The Fidelity Bank on Your Credit Report
In short: Headquartered in Fuquay Varina, North Carolina, The Fidelity Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 11507 dates to January 1, 1909. At the 06/30/2026 reporting date the bank showed $4.66 billion in total assets and 58 FDIC-reported offices. The Fidelity Bank 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 available 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 The Fidelity Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Fidelity Bank appears in FDIC BankFind as certificate 11507, headquartered Fuquay Varina, North Carolina, chartered January 1, 1909, with 58 FDIC-reported offices and $4.66 billion in assets.
How The Fidelity Bank appears on your credit report
Because Fidelity Bank originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to Fidelity Bank therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 58 offices in North Carolina, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans booked through Fidelity Bank branch staff in North Carolina
- ◆First-lien residential mortgages and refinances written around Fuquay Varina
- ◆Small-business and agricultural credit carried on the Fidelity Bank balance sheet
Grounds to dispute The Fidelity Bank entry
Each of these is a reason The Fidelity Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Fuquay Varina office credited to the wrong Fidelity Bank account number
- ◆Account still reporting open after Fidelity Bank closed it at your request
- ◆First-delinquency date shifted forward on a later Fidelity Bank pull
- ◆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 Fidelity 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, The Fidelity 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 The Fidelity Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Fidelity Bank questions, answered
Is The Fidelity Bank FDIC-insured, and under what certificate?
Yes — The Fidelity Bank appears in FDIC BankFind under certificate 11507. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Fuquay Varina, NC, with a charter dated January 1, 1909, $4.66 billion in assets and 58 offices at the 06/30/2026 call report.
Which regulator oversees The Fidelity Bank?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Fidelity Bank come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Fidelity Bank head office in Fuquay Varina, North Carolina.
How many credit-card complaints does the CFPB show against The Fidelity Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Fidelity Bank 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 Fidelity Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Fidelity Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with The Fidelity Bank and disputing with a collector?
The records live in different places. As the original creditor, Fidelity Bank holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Fidelity Bank therefore lands where the evidence actually is.
Does The Fidelity Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The Fidelity Bank — 58 offices in North Carolina — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate The Fidelity Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The Fidelity Bank has operated since 1909, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute Fidelity Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Fidelity Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is The Fidelity Bank headquartered, and does that affect my dispute?
The Fidelity Bank is headquartered in Fuquay Varina, North Carolina, with 58 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Fidelity 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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