Plains Commerce Bank on Your Credit Report
In short: Plains Commerce Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Sioux Falls, South Dakota. The FDIC lists it under certificate 1678, established July 16, 1931 — a charter granted in the era that produced federal deposit insurance, so its reporting history spans the entire modern credit-file system. Its 06/30/2026 call report shows $1.3 billion in total assets across 8 reported offices. Because Plains Commerce Bank 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 Plains Commerce Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Plains Commerce Bank holds FDIC certificate 1678, chartered July 16, 1931 in Sioux Falls, South Dakota (95 years old), and reported $1.3 billion in total assets across 8 offices on the 06/30/2026 call report.
How Plains Commerce Bank appears on your credit report
Disputes against Plains Commerce Bank follow a different path than those against a big card bank. At this size the bank has a formal compliance function but nothing like a national issuer's scripted dispute queue, so documentary evidence carries unusual weight. Reference the last four digits and open date, point to a single incorrect field rather than the whole tradeline, and send a parallel dispute to the bureaus under §611. Outcomes depend on what the bank's own records show, and vary from case to case.
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 South Dakota property
- ◆Consumer accounts originated across its 8 South Dakota offices
Grounds to dispute a Plains Commerce Bank entry
Each of these is a reason a Plains Commerce Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆South Dakota mortgage paid at closing but still showing a balance with Plains Commerce Bank
- ◆Charge-off reported by Plains Commerce Bank 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
Plains Commerce 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, Plains Commerce 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 Plains Commerce Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Plains Commerce Bank questions, answered
Is Plains Commerce Bank FDIC-insured, and what is its certificate number?
Yes. Plains Commerce Bank holds FDIC certificate 1678. The FDIC record shows a charter established July 16, 1931, headquarters in Sioux Falls, SD, and 8 FDIC-reported offices with $1.3 billion 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 Plains Commerce Bank, and where do I escalate if a dispute fails?
Plains Commerce Bank 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 Plains Commerce Bank?
We do not publish a figure for Plains Commerce Bank. 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 Plains Commerce Bank would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Plains Commerce Bank charge-off stay on my credit report?
A charged-off Plains Commerce Bank 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 Plains Commerce Bank 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 Plains Commerce Bank and disputing with a collector?
Plains Commerce Bank 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 Plains Commerce Bank reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Plains Commerce Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Plains Commerce Bank's own arrangements. A lender with 8 offices and $1.3 billion in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Plains Commerce Bank 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.
Plains Commerce Bank was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Plains Commerce Bank 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. For a charter of this era, a mid-century conversion is the usual cause. Identify both versions by last four digits and open date when you dispute.
Can I dispute Plains Commerce Bank 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 Plains Commerce Bank 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 Plains Commerce Bank 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. On a charter of this vintage, decades-old conversions are the common source of stale status codes. 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 Plains Commerce 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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