CBNA (Citibank, N.A.) primarily collects on debts and outstanding balances associated with its own proprietary credit card portfolios, retail banking loans, personal lines of credit, and commercial financing accounts. When customers default on Citibank-issued credit cards or consumer loans, internal recovery teams or authorized third-party collection agencies acting on behalf of CBNA manage the outreach and recovery process. In addition, the bank may occasionally manage legacy portfolios or specialized credit products originated through specific retail partnerships and co-branded card agreements.