UBS Bank USA on Your Credit Report
In short: UBS Bank USA, National Association operates under FDIC certificate 57565 from Salt Lake City, Utah, on a charter established in 2003. It is the United States banking entity associated with UBS and serves wealth-management clients with deposit and securities-based lending products rather than mass-market cards. 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 UBS Bank USA actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
UBS Bank USA operates under FDIC certificate 57565, chartered in Salt Lake City, UT and established September 15, 2003 — 23 years of continuous charter history. Since January 2025 the CFPB has logged 11 credit-card complaints naming UBS Bank USA, the largest share of them about a disputed purchase on a statement (6).
How UBS Bank USA appears on your credit report
UBS Bank USA's consumer exposure runs through wealth-management relationships, and its signature product is securities-based lending — a line of credit collateralised by a brokerage portfolio. Those lines are sometimes reported as ordinary unsecured revolving accounts, which misstates the nature of the obligation and can distort utilisation. If a securities-backed line is reporting as a plain credit card, that mischaracterisation is worth disputing.
Names it may report under
Products that commonly show up
- ◆Securities-based lines of credit
- ◆Wealth-management linked credit cards
- ◆Mortgages for wealth clients
- ◆Deposit-linked overdraft lines
What consumers report to the CFPB
These are counts of complaints filed with the Consumer Financial Protection Bureau about credit cards, from the CFPB's public complaint database. They describe the company's complaint history — they are not a prediction about any individual account.
Source: CFPB Consumer Complaint Database, product “Credit card”, company “UBS BANK USA”. Snapshot retrieved 2026-10-17. Complaint counts change over time.
Grounds to dispute a UBS Bank USA entry
Each of these is a reason a UBS Bank USA tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Securities-based line of credit reported as unsecured revolving debt
- ◆Utilisation distorted by a collateralised line reported as a card
- ◆Account reporting under both the bank and the brokerage entity
- ◆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
UBS Bank USA 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, UBS Bank USA 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 UBS Bank USA a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
UBS Bank USA questions, answered
Is UBS Bank USA FDIC-insured?
Yes. UBS Bank USA appears in the FDIC's BankFind institution directory under certificate 57565, headquartered in Salt Lake City, UT, with a charter established September 15, 2003.
What do people complain to the CFPB about most with UBS Bank USA?
Of the 11 credit-card complaints naming UBS Bank USA in the CFPB's public database since January 2025, the largest single category is "Problem with a purchase shown on your statement" at 6, followed by "Getting a credit card" (2). These are public complaint statistics about the company, not a prediction about any individual account. Snapshot taken 2026-10-17.
How do I dispute a UBS Bank USA account on my credit report?
You can dispute with Equifax, Experian and TransUnion under FCRA §611, and you can dispute directly with UBS Bank USA as the furnisher under FCRA §623. Both routes are free and you can do them yourself. Put it in writing, identify the account by its last four digits and open date, state exactly what is inaccurate, and keep copies. Whether an item changes depends on what the furnisher can verify, and results vary.
How long can a UBS Bank USA delinquency stay on my report?
A delinquent or charged-off account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current. That clock does not restart because the account was charged off, sold, or transferred. If the date of first delinquency has been moved forward, that re-aging is itself a reportable FCRA inaccuracy.
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 UBS Bank USA; 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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