The Security National Bank of Sioux City, Iowa on Your Credit Report
In short: Operating out of Sioux City, IA since its 1884 charter, The Security National Bank of Sioux City, Iowa is a national bank chartered by the Office of the Comptroller of the Currency carrying FDIC certificate 4506. Call-report data filed 06/30/2026 puts the bank at $1.7 billion in total assets and 10 FDIC-reported offices. As an original creditor, The Security National Bank of Sioux City, Iowa furnishes its own data to the credit bureaus, which means you have two independent dispute channels: §611 through Equifax, Experian and TransUnion, and §623 directly to the bank. 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 Security National Bank of Sioux City, Iowa actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Security National Bank of Sioux City, Iowa has been in continuous operation for 142 years, chartered January 1, 1884 and carried on the FDIC's books as certificate 4506. Its 06/30/2026 call report shows 10 FDIC-reported offices and $1.7 billion in total assets, averaging roughly $169 million per office.
How The Security National Bank of Sioux City, Iowa appears on your credit report
Disputing the Security National Bank of Sioux City, Iowa tradeline is not the same as disputing one from a national issuer. With $1.7 billion in assets across 10 offices, the bank's credit reporting is handled by far fewer people than at a large card company, so a well-documented letter frequently reaches someone with authority to correct the record rather than a scripted queue. Identify the account by its exact last four digits and open date, and state plainly which field is wrong rather than disputing the account as a whole.
Names it may report under
Products that commonly show up
- ◆Co-signed family and student-support loans
- ◆Agricultural operating lines carried on the owner’s personal file
- ◆Home-equity lines of credit secured by the borrower’s residence
Grounds to dispute a The Security National Bank of Sioux City, Iowa entry
Each of these is a reason a The Security National Bank of Sioux City, Iowa tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan personally pledged by the owner reporting on the personal file without the pledge in place
- ◆Payment made in-branch on the due date but posted the following business day
- ◆Agricultural or seasonal line reported late when the renewal was already approved
- ◆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 Security National Bank of Sioux City, Iowa 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 Security National Bank of Sioux City, Iowa 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 Security National Bank of Sioux City, Iowa a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Security National Bank of Sioux City, Iowa questions, answered
Is The Security National Bank of Sioux City, Iowa FDIC-insured, and what is its certificate number?
Yes. The Security National Bank of Sioux City, Iowa holds FDIC certificate 4506. The FDIC record shows a charter established January 1, 1884, headquarters in Sioux City, IA, and 10 FDIC-reported offices with $1.7 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.
Who regulates The Security National Bank of Sioux City, Iowa, and where do I escalate if a dispute fails?
The Security National Bank of Sioux City, Iowa is a national bank chartered by the Office of the Comptroller of the Currency, so its primary federal oversight runs through the Office of the Comptroller of the Currency (OCC). 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 The Security National Bank of Sioux City, Iowa?
None that can be attributed with confidence. The Security National Bank of Sioux City, Iowa does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 10-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to The Security National Bank of Sioux City, Iowa would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a The Security National Bank of Sioux City, Iowa charge-off stay on my credit report?
A charged-off The Security National Bank of Sioux City, Iowa 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 The Security National Bank of Sioux City, Iowa 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 The Security National Bank of Sioux City, Iowa and disputing with a collector?
The Security National Bank of Sioux City, Iowa 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 The Security National Bank of Sioux City, Iowa reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does The Security National Bank of Sioux City, Iowa report to all three credit bureaus?
There is no single answer that holds for every community bank. Reporting is voluntary under the FCRA, and a bank the size of The Security National Bank of Sioux City, Iowa — 10 offices, $1.7 billion in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding the Security National Bank of Sioux City, Iowa account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
The Security National Bank of Sioux City, Iowa was acquired or changed names — why does my report show two accounts?
This is one of the most frequent duplicate-tradeline causes. A converted The Security National Bank of Sioux City, Iowa account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1884, core-system conversions are the usual cause.
Can I dispute The Security National Bank of Sioux City, Iowa 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 The Security National Bank of Sioux City, Iowa 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 The Security National Bank of Sioux City, Iowa reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 142-year-old lender like The Security National Bank of Sioux City, Iowa, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Security National Bank of Sioux City, Iowa; 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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