Hiawatha National Bank on Your Credit Report
In short: Headquartered in Hager City, Wisconsin, Hiawatha National Bank is a national bank chartered by the Office of the Comptroller of the Currency. The charter behind FDIC certificate 13058 dates to January 1, 1917. At the 06/30/2026 reporting date the bank showed $781 million in total assets and 8 FDIC-reported offices. Hiawatha National Bank is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. 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 Hiawatha National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Hiawatha National Bank carries FDIC certificate 13058, operates 8 FDIC-reported offices and reported $781 million in assets on its most recent call report in Hager City, Wisconsin.
How Hiawatha National Bank appears on your credit report
Hiawatha National Bank is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Hiawatha National Bank, and file the §611 dispute in parallel. the Hiawatha National Bank reviews these internally from Hager City, Wisconsin. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at the 8 Wisconsin banking offices of Hiawatha National Bank
- ◆Home-equity lines and residential mortgages originated near Hager City
- ◆Vehicle and equipment paper financed directly through Hiawatha National Bank
Grounds to dispute a Hiawatha National Bank entry
Each of these is a reason a Hiawatha National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Hager City office credited to the wrong Hiawatha National Bank account number
- ◆Account still reporting open after Hiawatha National Bank closed it at your request
- ◆First-delinquency date shifted forward on a later Hiawatha National Bank pull
- ◆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
Hiawatha National 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, Hiawatha National 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 Hiawatha National Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Hiawatha National Bank questions, answered
Does the FDIC insure deposits at Hiawatha National Bank?
It is insured, and certificate 13058 is the number to quote. The FDIC lists a national bank chartered by the Office of the Comptroller of the Currency, headquartered Hager City, WI, chartered January 1, 1917, reporting $781 million and 8 offices as of 06/30/2026.
Who supervises Hiawatha National Bank if a dispute goes nowhere?
Supervision sits with the Office of the Comptroller of the Currency. When both the §611 bureau dispute and the §623 direct dispute to Hiawatha National Bank come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Hiawatha National Bank head office in Hager City, Wisconsin.
How many credit-card complaints does the CFPB show against Hiawatha National Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Hiawatha National Bank exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can a Hiawatha National Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Hiawatha National Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Hiawatha National Bank and disputing with a collector?
Go to whoever holds the documents. Hiawatha National Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Hiawatha National Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Hiawatha National Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Hiawatha National Bank — 8 offices in Wisconsin — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Hiawatha National Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Hiawatha National Bank has operated since 1917, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute a Hiawatha National Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Hiawatha National Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Hiawatha National Bank headquartered, and does that affect my dispute?
Hiawatha National Bank is headquartered in Hager City, Wisconsin, with 8 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Hiawatha National 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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