Cadence Bank on Your Credit Report
In short: Cadence Bank appears in the FDIC directory under certificate 11813, chartered in Tupelo, Mississippi with a charter established in 1876. The institution resulted from the combination of BancorpSouth and the former Cadence Bank, and served consumers across the South through branch banking, card and lending products. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Cadence actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Cadence's FDIC charter (certificate 11813, Tupelo, MS) is recorded as ENDED on February 1, 2026 — a charter event inside the current credit-reporting window, which is exactly when duplicate or stale tradelines tend to appear. The FDIC record shows the charter established March 1, 1876. The CFPB received 10 credit-card complaints naming Cadence since January 2025, led by fees or interest (3).
How Cadence appears on your credit report
The FDIC record for certificate 11813 shows this charter ended on February 1, 2026. Notably, the predecessor Cadence Bank, N.A. charter (certificate 4999) had already ended in 2021 — so this name has now been attached to two separate ended charters. Consumers may therefore see legacy BancorpSouth branding, Cadence branding, or both. This page states only what the certificate records show and does not infer what succeeded the charter.
Names it may report under
Products that commonly show up
- ◆Consumer credit card accounts
- ◆Personal and auto loans
- ◆Home equity lines of credit
- ◆Legacy BancorpSouth consumer accounts
What consumers report to the CFPB
These are counts of complaints filed with the Consumer Financial Protection Bureau about credit cards, from the CFPB's public complaint database. They describe the company's complaint history — they are not a prediction about any individual account.
Source: CFPB Consumer Complaint Database, product “Credit card”, company “CADENCE BANK”. Snapshot retrieved 2026-10-17. Complaint counts change over time.
Grounds to dispute a Cadence entry
Each of these is a reason a Cadence tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Legacy BancorpSouth account reporting alongside its Cadence successor
- ◆Duplicate tradeline spanning the charter transition
- ◆Open date reset to a conversion date rather than the original account opening
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Cadence Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Cadence Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Cadence Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Cadence Bank questions, answered
Is Cadence FDIC-insured?
The FDIC record for certificate 11813 shows the charter ENDED on February 1, 2026. A charter that has ended does not mean deposits vanished — charters commonly end through merger or consolidation — but this page does not assert what happened to the charter afterwards, because that is not stated in the certificate record itself. If you hold an account, confirm the current insuring institution directly with the bank.
What do people complain to the CFPB about most with Cadence?
Of the 10 credit-card complaints naming Cadence in the CFPB's public database since January 2025, the largest single category is "Fees or interest" at 3, followed by "Problem when making payments" (3). These are public complaint statistics about the company, not a prediction about any individual account. Snapshot taken 2026-10-17.
How do I dispute a Cadence account on my credit report?
You can dispute with Equifax, Experian and TransUnion under FCRA §611, and you can dispute directly with Cadence as the furnisher under FCRA §623. Both routes are free and you can do them yourself. Put it in writing, identify the account by its last four digits and open date, state exactly what is inaccurate, and keep copies. Whether an item changes depends on what the furnisher can verify, and results vary.
How long can a Cadence delinquency stay on my report?
A delinquent or charged-off account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current. That clock does not restart because the account was charged off, sold, or transferred. If the date of first delinquency has been moved forward, that re-aging is itself a reportable FCRA inaccuracy.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Cadence Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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