Metairie Bank & Trust Company on Your Credit Report
In short: From its Metairie, Louisiana headquarters, Metairie Bank & Trust Company operates as a state-chartered commercial bank that is not a member of the Federal Reserve System. The FDIC lists it under certificate 16539, established February 15, 1947 — a postwar charter, placing its growth in the period when consumer installment lending became a mainstream bank product. Its 06/30/2026 call report shows $666 million in total assets across 8 reported offices. Because Metairie Bank & Trust Company lends on its own balance sheet rather than servicing another lender's paper, it is the furnisher of record on its own tradelines, which gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three 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 Metairie Bank & Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Metairie Bank & Trust Company holds FDIC certificate 16539, chartered February 15, 1947 in Metairie, Louisiana (79 years old), and reported $666 million in total assets across 8 offices on the 06/30/2026 call report.
How Metairie Bank & Trust Company appears on your credit report
Handling a Metairie Bank & Trust Company entry differs from disputing a national issuer's tradeline. A bank in this size range typically runs reporting through a small operations team, which is why a letter identifying one specific field usually outperforms a general demand. Name the account by its last four digits and open date, isolate the one field you can disprove, and file the same dispute with the bureaus so both statutory routes run at once. Results depend on what the bank can document, and differ from one file to the next.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Home-equity and mortgage lending secured by Louisiana property
- ◆Consumer accounts originated across its 8 Louisiana offices
Grounds to dispute a Metairie Bank & Trust Company entry
Each of these is a reason a Metairie Bank & Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Louisiana mortgage paid at closing but still showing a balance with Metairie Bank & Trust Company
- ◆Charge-off reported by Metairie Bank & Trust Company after the account was settled in full
- ◆State-chartered account duplicated after a core-system conversion
- ◆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
Metairie Bank & Trust Company 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, Metairie Bank & Trust Company 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 Metairie Bank & Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Metairie Bank & Trust Company questions, answered
Is Metairie Bank & Trust Company FDIC-insured, and what is its certificate number?
Yes. Metairie Bank & Trust Company holds FDIC certificate 16539. The FDIC record shows a charter established February 15, 1947, headquarters in Metairie, LA, and 8 FDIC-reported offices with $666 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Metairie Bank & Trust Company, and where do I escalate if a dispute fails?
Metairie Bank & Trust Company is a state-chartered commercial bank that is not a member of the Federal Reserve System, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Metairie Bank & Trust Company?
We do not publish a figure for Metairie Bank & Trust Company. A 8-office community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Metairie Bank & Trust Company would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Metairie Bank & Trust Company charge-off stay on my credit report?
A charged-off Metairie Bank & Trust Company account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Metairie Bank & Trust Company charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Metairie Bank & Trust Company and disputing with a collector?
Metairie Bank & Trust Company is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to Metairie Bank & Trust Company reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Metairie Bank & Trust Company report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Metairie Bank & Trust Company's own arrangements. A lender with 8 offices and $666 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Metairie Bank & Trust Company account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
Metairie Bank & Trust Company was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Metairie Bank & Trust Company account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. A postwar-era charter has normally been through at least one major system migration. Identify both versions by last four digits and open date when you dispute.
Can I dispute Metairie Bank & Trust Company reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send Metairie Bank & Trust Company a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on Metairie Bank & Trust Company reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. Accounts opened before this bank's records were fully digitised are where date errors cluster. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Metairie Bank & Trust Company; 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.