Midstates Bank, National Association on Your Credit Report
In short: Midstates Bank, National Association is an IA-based institution — specifically a national bank chartered by the Office of the Comptroller of the Currency — that has held a charter since 1913 and appears in the FDIC directory as certificate 4465. Its most recent call report, dated 06/30/2026, shows 10 FDIC-reported offices and $654 million in assets. Any tradeline carrying the Midstates Bank, National Association name is furnished by the bank, not by a servicer, so disputes under FCRA §623 go straight to the institution that holds the records. 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 Midstates Bank, National Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Midstates Bank, National Association has been in continuous operation for 113 years, chartered January 1, 1913 and carried on the FDIC's books as certificate 4465. Its 06/30/2026 call report shows 10 FDIC-reported offices and $654 million in total assets, averaging roughly $65 million per office.
How Midstates Bank, National Association appears on your credit report
Scale matters when you dispute. Midstates Bank, National Association reports $654 million in assets and 10 FDIC-reported offices — small enough that account histories are often reconstructed by hand from branch records in Council Bluffs. That tends to make verification slower but more thorough, and it means vague disputes get vague answers. A short, specific letter that points to one incorrect field usually gets a cleaner response than a broad demand to remove the account.
Names it may report under
Products that commonly show up
- ◆Construction and lot loans that convert to permanent financing
- ◆Co-signed family and student-support loans
- ◆Deposit-secured personal lines of credit
Grounds to dispute a Midstates Bank, National Association entry
Each of these is a reason a Midstates Bank, National Association tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Loan modified or deferred by Midstates Bank, National Association but still reporting the original delinquent status
- ◆Charge-off reported by Midstates Bank, National Association after the account was settled in full
- ◆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
Midstates Bank, National Association 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, Midstates Bank, National Association 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 Midstates Bank, National Association a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Midstates Bank, National Association questions, answered
Is Midstates Bank, National Association FDIC-insured, and what is its certificate number?
Yes. Midstates Bank, National Association holds FDIC certificate 4465. The FDIC record shows a charter established January 1, 1913, headquarters in Council Bluffs, IA, and 10 FDIC-reported offices with $654 million in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency.
Who regulates Midstates Bank, National Association, and where do I escalate if a dispute fails?
Midstates Bank, National Association is a national bank chartered by the Office of the Comptroller of the Currency, so its primary federal oversight runs through the Office of the Comptroller of the Currency (OCC). 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 Midstates Bank, National Association?
None that can be attributed with confidence. Midstates Bank, National Association does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 10-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Midstates Bank, National Association would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Midstates Bank, National Association charge-off stay on my credit report?
A charged-off Midstates Bank, National Association 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 Midstates Bank, National Association 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 Midstates Bank, National Association and disputing with a collector?
Midstates Bank, National Association holds the primary file; a collector holds a copy of selected fields. Disputing both matters, but the §623 route to Midstates Bank, National Association is the one that reaches the original application and payment records, and an inaccuracy corrected at the source should flow through to any derived collection tradeline.
Does Midstates Bank, National Association report to all three credit bureaus?
That depends on the bank's own furnishing arrangements. Reporting is voluntary under the FCRA, and a bank the size of Midstates Bank, National Association — 10 offices, $654 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Midstates Bank, National Association account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
Midstates Bank, National Association was acquired or changed names — why does my report show two accounts?
Name changes and acquisitions routinely produce this. A converted Midstates Bank, National Association account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1913, core-system conversions are the usual cause.
Can I dispute Midstates Bank, National Association reporting myself, without paying anyone?
Yes — the law puts this in your hands at no charge. Disputes to Midstates Bank, National Association under §623 and to the bureaus under §611 cost nothing but postage. Anyone promising certain deletion or a point gain is overstating what the process can deliver; results vary case by case.
What should I check first on Midstates Bank, National Association reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 113-year-old lender like Midstates Bank, National Association, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Midstates Bank, National Association; 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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