Mediapolis Savings Bank on Your Credit Report
In short: Mediapolis Savings Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Mediapolis, Iowa. The charter behind FDIC certificate 15772 dates to September 16, 1940 — a mid-century charter that predates the FCRA. Call-report figures for 06/30/2026 list $270 million in assets spread over 5 FDIC-reported offices. Because Mediapolis Savings Bank originates these accounts rather than buying them, it is the furnisher of record — you can dispute through §623 directly or §611 via the bureaus. 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 Mediapolis Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Mediapolis Savings Bank carries FDIC certificate 15772, operates 5 FDIC-reported offices and reported $270 million in assets on its most recent call report in Mediapolis, Iowa.
How Mediapolis Savings Bank appears on your credit report
Mediapolis Savings Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With an Iowa charter and 5 FDIC-reported offices, Mediapolis Savings Bank adjudicates these disputes internally. Send it in writing, identify precisely which field is wrong, and run the §611 bureau dispute in parallel. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at its 5 Iowa banking offices
- ◆Residential mortgage and home-equity lending in and around Mediapolis
- ◆Vehicle and equipment paper financed directly through the bank
Grounds to dispute a Mediapolis Savings Bank entry
Each of these is a reason a Mediapolis Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Mediapolis posted after the due date and reported 30 days late
- ◆Paid-in-full Mediapolis Savings Bank loan continuing to report an outstanding balance
- ◆Single Mediapolis Savings Bank account reporting twice following a data migration
- ◆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
Mediapolis Savings 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, Mediapolis Savings 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 Mediapolis Savings Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Mediapolis Savings Bank questions, answered
Is Mediapolis Savings Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 15772. The FDIC record lists Mediapolis Savings Bank as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Mediapolis, IA, chartered September 16, 1940, holding $270 million across 5 offices at the 06/30/2026 call report.
Which regulator oversees Mediapolis Savings Bank?
Mediapolis Savings Bank answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Mediapolis Savings Bank head office in Mediapolis is the right address for the written record.
Does the CFPB complaint database list Mediapolis Savings Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Mediapolis Savings 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.
What is the reporting limit on a Mediapolis Savings Bank account?
The FCRA ceiling is roughly seven years from the date of first delinquency on the Mediapolis Savings Bank account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with Mediapolis Savings Bank and disputing with a collector?
Mediapolis Savings Bank is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to Mediapolis Savings Bank puts the question to the party that can actually check it against source documents.
Does Mediapolis Savings Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Mediapolis Savings Bank — 5 offices in Iowa — 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.
Mediapolis Savings Bank changed names or was acquired — why does my report show two accounts?
Duplicates of this kind usually trace to a data migration. With a charter running back to 1940, Mediapolis Savings Bank has likely changed core processors at least once, and old and new records can both survive. A predecessor name is acceptable; two live balances for one debt is not — dispute it and cite both entries.
Do I need to hire someone to dispute a Mediapolis Savings Bank entry?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Mediapolis Savings Bank are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Does it matter that Mediapolis Savings Bank is based in Mediapolis?
Mediapolis Savings Bank is headquartered in Mediapolis, Iowa, with 5 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 Mediapolis Savings 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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