Safra National Bank of New York on Your Credit Report
In short: Safra National Bank of New York runs a national bank chartered by the Office of the Comptroller of the Currency out of New York, New York. The FDIC records certificate 26876 with a charter date of January 1, 1987 — a late-twentieth-century institution by the FDIC's own dating. On the 06/30/2026 call report Safra National Bank of New York reported $15.7 billion in assets and 7 offices. Safra National Bank of New York 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 open 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 Safra National Bank of New York actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Safra National Bank of New York is recorded by the FDIC under certificate 26876 as a national bank chartered by the Office of the Comptroller of the Currency, established January 1, 1987 in New York, New York, with $15.7 billion in assets and 7 offices as of 06/30/2026.
How Safra National Bank of New York appears on your credit report
Safra National Bank of New York is an original creditor, not a collector, and that changes the mechanics. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and installment loans originated in-branch
- ◆Home loans and home-equity lines originated locally in New York
- ◆Consumer accounts originated across its 7 New York offices
Grounds to dispute a Safra National Bank of New York entry
Each of these is a reason a Safra National Bank of New York tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payoff posted by Safra National Bank of New York to the wrong account number
- ◆Settled-for-less account reported by Safra National Bank of New York as a full charge-off
- ◆Single Safra National Bank of New York loan appearing twice after a systems 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
Safra National Bank of New York 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, Safra National Bank of New York 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 Safra National Bank of New York a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Safra National Bank of New York questions, answered
Is Safra National Bank of New York FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 26876. That record lists Safra National Bank of New York as a national bank chartered by the Office of the Comptroller of the Currency headquartered in New York, NY, chartered January 1, 1987, with $15.7 billion in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Safra National Bank of New York, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, Safra National Bank of New York answers primarily to the Office of the Comptroller of the Currency, with the FDIC as deposit insurer. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Safra National Bank of New York?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Safra National Bank of New York 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 Safra National Bank of New York charge-off stay on my credit report?
Roughly seven years, counted from the date of first delinquency — the missed payment on the Safra National Bank of New York account that was never brought current. Charging off, selling or transferring the balance does not restart that clock, and a Safra National Bank of New York entry whose delinquency date moves forward has been re-aged.
What is the difference between disputing with Safra National Bank of New York and disputing with a collector?
Safra National Bank of New York is the original creditor and holds the underlying file — application, statements, posting history. A collector holds whatever was transferred with the account. That is why a §623 dispute to Safra National Bank of New York tends to resolve factual questions a collector simply cannot answer.
Does Safra National Bank of New York report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming Safra National Bank of New York made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
Safra National Bank of New York was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Safra National Bank of New York migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, this charter was electronic from early on, which usually means cleaner history but also means errors propagate automatically once introduced.
Can I dispute Safra National Bank of New York reporting myself, without paying anyone?
Yes — entirely on your own and without a fee. Safra National Bank of New York must investigate a §623 dispute from you just as it would from anyone else. Name the specific inaccurate field, file with the bureaus in parallel, and keep copies. Results depend on the underlying documentation.
What should I check first on Safra National Bank of New York reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that this charter was electronic from early on, which usually means cleaner history but also means errors propagate automatically once introduced, pull your own statements and check the Safra National Bank of New York entry field by field. One documented error beats a broad removal request every time.
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 Safra National Bank of New York; 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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