The Bank of Tampa on Your Credit Report
In short: Headquartered in Tampa, FL, The Bank of Tampa has operated under FDIC certificate 21031 since its charter was established in 1973. Its 06/30/2026 call report shows $3.02 billion in total assets and 13 FDIC-reported offices. 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. An account reported by The Bank of Tampa is furnished by the bank itself, so your FCRA §623 rights attach to The Bank of Tampa directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 The Bank of Tampa actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Bank of Tampa was chartered March 30, 1973 and is insured under FDIC certificate 21031. It reported $3.02 billion in total assets and 13 FDIC-reported offices on its 06/30/2026 call report — about $233 million per reported office across its FL footprint.
How The Bank of Tampa appears on your credit report
Because The Bank of Tampa is mid-size regional — $3.02 billion in assets, 13 FDIC-reported offices, headquartered in Tampa, FL — its credit-reporting function is rarely a dedicated department. Disputes sent under FCRA §623 should identify the account by last four digits and open date and state precisely which field is inaccurate, because a vague dispute is far more likely to come back simply "verified".
Names it may report under
Products that commonly show up
- ◆Credit lines tied to The Bank of Tampa relationship account
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a The Bank of Tampa entry
Each of these is a reason a The Bank of Tampa 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 The Bank of Tampa but still reporting the original delinquent status
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆Paid-off The Bank of Tampa installment loan still showing a balance after the final payment cleared
- ◆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
The Bank of Tampa 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, The Bank of Tampa 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 The Bank of Tampa a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Bank of Tampa questions, answered
Is The Bank of Tampa FDIC-insured, and what is its certificate number?
Yes. The Bank of Tampa holds FDIC certificate 21031. The FDIC record shows a charter established March 30, 1973, headquarters in Tampa, FL, and 13 FDIC-reported offices with $3.02 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 The Bank of Tampa, and where do I escalate if a dispute fails?
The Bank of Tampa is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the FL state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is The Bank of Tampa charter, and why does that matter for my credit report?
The Bank of Tampa's charter dates to March 30, 1973, making it 53 years old — modern enough that the FCRA already governed consumer reporting when it opened, but old enough to have been through at least one core-system migration. Those migrations are a common source of duplicated or re-dated tradelines, so if you see two entries for one The Bank of Tampa account, dispute the duplicate specifically rather than the balance.
How big is The Bank of Tampa, and what does that mean for disputing an account?
The Bank of Tampa reports $3.02 billion across 13 FDIC-reported offices — roughly $233 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute The Bank of Tampa account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with The Bank of Tampa as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what The Bank of Tampa can verify, and results vary from case to case.
Does FL law change anything about The Bank of Tampa account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. The Bank of Tampa being headquartered in Tampa, FL does not make FL law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can The Bank of Tampa account stay on my credit report?
Generally up to seven years from the date of first delinquency on that The Bank of Tampa account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If The Bank of Tampa or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does The Bank of Tampa appear in the CFPB complaint database?
We do not publish a complaint figure for The Bank of Tampa. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 21031, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with The Bank of Tampa and disputing with a collection agency?
The Bank of Tampa is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to The Bank of Tampa; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
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 The Bank of Tampa; 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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