US Metro Bank on Your Credit Report
In short: Headquartered in Garden Grove, CA, US Metro Bank has operated since 2006 as a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC lists it under certificate 58310 with $1.6 billion in total assets spread across 11 reported offices as of 06/30/2026. Because US Metro Bank lends directly rather than servicing another lender's paper, it is the furnisher of record on its own tradelines — which is what gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. 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 US Metro Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
US Metro Bank appears in the FDIC's institution directory under certificate 58310, chartered September 15, 2006 in CA and reporting 11 FDIC-reported offices with $1.6 billion in total assets on the 06/30/2026 call report.
How US Metro Bank appears on your credit report
US Metro Bank is a regional lender headquartered in Garden Grove, CA, with 11 FDIC-reported offices and $1.6 billion in assets, on a charter 20 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. 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
- ◆Home-equity lines of credit secured by the borrower’s residence
- ◆Construction and lot loans that convert to permanent financing
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
Grounds to dispute a US Metro Bank entry
Each of these is a reason a US Metro Bank 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
- ◆Charge-off reported by US Metro Bank after the account was settled in full
- ◆Payment made in-branch on the due date but posted the following business day
- ◆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
US Metro 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, US Metro 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 US Metro Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
US Metro Bank questions, answered
Is US Metro Bank FDIC-insured, and what is its certificate number?
Yes. US Metro Bank holds FDIC certificate 58310. The FDIC record shows a charter established September 15, 2006, headquarters in Garden Grove, CA, and 11 FDIC-reported offices with $1.6 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 US Metro Bank, and where do I escalate if a dispute fails?
US Metro Bank 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 runs through the FDIC and its state banking regulator. 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 US Metro Bank?
None that can be attributed with confidence. US Metro Bank does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 11-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 US Metro Bank would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a US Metro Bank charge-off stay on my credit report?
A charged-off US Metro Bank 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 US Metro Bank 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 US Metro Bank and disputing with a collector?
A collector's tradeline is secondary — it restates information supplied to it. US Metro Bank is the source. When you dispute with US Metro Bank under §623, the investigation runs against the bank's own ledger rather than a purchased summary, so the two routes can produce different outcomes on the same debt.
Does US Metro Bank report to all three credit bureaus?
Most banks in this asset range do, but it is not automatic. Reporting is voluntary under the FCRA, and a bank the size of US Metro Bank — 11 offices, $1.6 billion in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding an US Metro Bank 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.
US Metro Bank was acquired or changed names — why does my report show two accounts?
A rebrand or merger is the usual explanation. A converted US Metro Bank 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 2006, core-system conversions are the usual cause.
Can I dispute US Metro Bank reporting myself, without paying anyone?
Yes, and at no cost. You can write US Metro Bank directly as the furnisher, or file through the three bureaus, or both. Outcomes depend entirely on what the Garden Grove bank's records show, so be wary of anyone promising a result in advance — results vary and no outcome is assured.
What should I check first on US Metro Bank 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 20-year-old lender like US Metro Bank, 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 US Metro 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.