The Park Bank on Your Credit Report
In short: Operating 10 FDIC-reported offices from a head office in Madison, Wisconsin, The Park Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator under FDIC certificate 19608. The charter dates to July 18, 1966 and the most recent call report, dated 06/30/2026, shows $1.54 billion in total assets. As an original creditor, Park Bank is the furnisher on its own tradelines, not an assignee of someone else's. 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 Park Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Park Bank carries FDIC certificate 19608, operates 10 FDIC-reported offices and reported $1.54 billion in assets on its most recent call report in Madison, Wisconsin.
How The Park Bank appears on your credit report
Because Park 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 Park Bank therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 10 offices in Wisconsin, 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
- ◆Deposit-linked overdraft lines attached to Park Bank checking accounts
- ◆Installment loans originated across the 10 Wisconsin offices of Park Bank
- ◆Construction and lot loans underwritten locally by Park Bank in Madison
Grounds to dispute The Park Bank entry
Each of these is a reason The Park 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 Madison office credited to the wrong Park Bank account number
- ◆Account still reporting open after Park Bank closed it at your request
- ◆First-delinquency date shifted forward on a later Park 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 Park 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 Park 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 Park 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 Park Bank questions, answered
Does the FDIC insure deposits at The Park Bank?
It is insured, and certificate 19608 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Madison, WI, chartered July 18, 1966, reporting $1.54 billion and 10 offices as of 06/30/2026.
Which regulator oversees The Park Bank?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Park 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 Park Bank head office in Madison, Wisconsin.
How many credit-card complaints does the CFPB show against The Park Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Park 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 Park 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 Park 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 Park Bank and disputing with a collector?
The records live in different places. As the original creditor, Park 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 Park Bank therefore lands where the evidence actually is.
Does The Park Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The Park Bank — 10 offices in Wisconsin — 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 Park Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The Park Bank has operated since 1966, 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 Park Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Park 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 Park Bank headquartered, and does that affect my dispute?
The Park Bank is headquartered in Madison, Wisconsin, with 10 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 Park 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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