Stearns Bank National Association on Your Credit Report
In short: Stearns Bank National Association operates from Saint Cloud, Minnesota, as a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System. The FDIC lists it under certificate 10988, established May 28, 1912 — 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 $3.3 billion in total assets across 8 reported offices. Because Stearns Bank National Association 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 Stearns Bank National Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Stearns Bank National Association holds FDIC certificate 10988, chartered May 28, 1912 in Saint Cloud, Minnesota (114 years old), and reported $3.3 billion in total assets across 8 offices on the 06/30/2026 call report.
How Stearns Bank National Association appears on your credit report
Stearns Bank National Association is an original creditor, not a collector, and that changes the mechanics. Even at this size the bank is regional rather than a national card issuer, so disputes are still handled by staff who can reach the underlying account records directly. Pin the account down by last four digits and open date, state precisely which field is inaccurate, and mirror the dispute to all three bureaus so the §611 and §623 tracks proceed together. Whether anything changes depends on the underlying records, and that varies by account.
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 Minnesota property
- ◆Consumer accounts originated across its 8 Minnesota offices
Grounds to dispute a Stearns Bank National Association entry
Each of these is a reason a Stearns Bank National Association tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Minnesota mortgage paid at closing but still showing a balance with Stearns Bank National Association
- ◆Charge-off reported by Stearns Bank National Association after the account was settled in full
- ◆National-charter conversion leaving a tradeline under a superseded bank name
- ◆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
Stearns 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, Stearns 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 Stearns 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.
Stearns Bank National Association questions, answered
Is Stearns Bank National Association FDIC-insured, and what is its certificate number?
Yes. Stearns Bank National Association holds FDIC certificate 10988. The FDIC record shows a charter established May 28, 1912, headquarters in Saint Cloud, MN, and 8 FDIC-reported offices with $3.3 billion 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 and a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Stearns Bank National Association, and where do I escalate if a dispute fails?
Stearns Bank National Association is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System, so its primary federal oversight runs through the Office of the Comptroller of the Currency. 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 Stearns Bank National Association?
We do not publish a figure for Stearns Bank National Association. 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 Stearns Bank National Association would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Stearns Bank National Association charge-off stay on my credit report?
A charged-off Stearns 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 Stearns 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 Stearns Bank National Association and disputing with a collector?
Stearns Bank National Association 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 Stearns Bank National Association reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Stearns Bank National Association report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Stearns Bank National Association's own arrangements. A lender with 8 offices and $3.3 billion in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Stearns Bank National Association 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.
Stearns Bank National Association was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Stearns Bank National Association 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 Stearns Bank National Association 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 Stearns Bank National Association 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 Stearns Bank National Association 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 Stearns 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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