TAB Bank on Your Credit Report: The Bank Behind EasyPay Finance

Your transmission failed, or the vet needed paying, or the sofa was on sale. Somebody slid a tablet across a counter, you signed, and you drove away. Months later a credit report you pulled for a mortgage shows TAB Bank — a bank in Ogden, Utah that you have never called, written to or heard of. This page explains how a bank you never chose ended up as your creditor, what to check on the tradeline, and what to do if the numbers on it are wrong. We represent consumers only, and only where the reporting is inaccurate. If the contract is yours and the payment record is right, there is nothing here a lawyer can fix, and we would rather say so now.

Who is TAB Bank, and why is it on your credit report?

TAB Bank is the trade name of Transportation Alliance Bank, Inc. It holds FDIC Certificate #34781 and was established on October 1, 1998. Its charter class is a state-chartered commercial bank that is not a member of the Federal Reserve System. Its main office is at 4185 Harrison Boulevard, Suite 200, Ogden, Utah 84403, its general telephone number is 1-800-355-3063, and it holds roughly $1.6 billion in total assets.

The name is a clue to where it started. The bank grew up serving the trucking industry, and it still describes itself as a technology-driven online bank serving small businesses, families and individuals nationwide since 1998.

Now read its published list of business lines: personal deposit accounts, business banking, accounts receivable financing, asset-based lending, trucking invoice factoring, small business factoring, equipment financing, commercial real estate lending, insurance services. Notice what is missing from that list — consumer installment lending at retail. The bank does not advertise it, does not brand it, and does not sell it. It supplies the charter, and a partner does everything else.

That partner is why most people reading this page have a TAB Bank line on a credit report.

EasyPay Finance: the contract you signed at a service counter

EasyPay Finance is a consumer financing program owned by Duvera Billing Services. It is not a bank and does not hold a charter. TAB Bank is the lender of record on EasyPay contracts, which is why the credit report shows a Utah bank while every piece of paper you were handed says EasyPay.

The distribution channel is what makes this program different from anything else covered on this site. EasyPay is not sold on a website you searched for. It is sold at the counter of a business you went to for a different reason, at a moment when you had already committed. The National Consumer Law Center's 2022 report on the program documents the retail channels: auto repair chains including AAMCO, Jiffy Lube, Meineke and Midas, plus furniture stores and pet stores.

Think about the decision environment. Your car is on a lift and disassembled. The dog is already yours. The delivery is scheduled. The financing offer arrives as the solution to a problem you cannot walk away from, and the paperwork is a signature on a screen rather than a stack of pages you take home to read. People remember the shop. They do not remember the finance company, and they have no reason to register a bank that was never mentioned aloud.

None of that makes the tradeline wrong. It does explain why so many people looking at this entry are certain it is fraud when it is not — and why the ones for whom it genuinely is fraud have a hard time being believed.

What consumer advocates and state attorneys general have said about these loans

The EasyPay program has drawn sustained criticism and two documented state settlements. Because attribution matters, here is exactly who said what.

The National Consumer Law Center, a consumer advocacy organization, published a 2022 report titled Predatory Lenders TAB Bank & EasyPay Finance. It states that TAB Bank helps EasyPay Finance charge up to 189% on loans, and that in states where such rates are prohibited, EasyPay launders its loans through TAB Bank so that it can charge exorbitant rates. The report documents specific annual percentage rates from consumer contracts: 189% on a puppy purchase in Nevada, 151% on an auto repair in Illinois, 130% on a dog purchase in Florida, 119% and 96% on vehicle repairs in Virginia. That report is advocacy, not an agency finding, and we describe it as such.

Massachusetts. On May 22, 2024, Attorney General Andrea Campbell announced a settlement with EasyPay requiring $625,000 in restitution, ending EasyPay's lending in the Commonwealth and requiring it to cease collection on all active and defaulted loans there. The Attorney General's announcement described a rent-a-bank scheme operating since 2018 with an out-of-state bank, and stated that the average annual percentage rate exceeded 100%. The Massachusetts announcement does not name TAB Bank. It is the NCLC report that identifies TAB as the bank behind EasyPay contracts, and we keep those two statements separate rather than merging them into one.

Colorado. On April 24, 2023, the Colorado Attorney General announced a settlement providing $275,000 in restitution over consumer loans that exceeded the state's interest rate limits.

One boundary worth stating plainly: none of this is a finding about credit reporting accuracy. These are rate and licensing matters. A high rate on a loan you agreed to is not an FCRA violation, and no amount of criticism of a lending program removes an accurate tradeline. What follows is about the entries that are actually wrong.

Paid in full, still reported delinquent: the pattern worth checking

Alongside the rate findings, the NCLC report collected consumer complaints describing a reporting pattern we see constantly in retail installment lending: accounts reported delinquent despite having been paid, and accounts never updated to show paid in full. That is not a rate complaint. That is a furnishing complaint, and it is the kind the Fair Credit Reporting Act was written for.

The mechanics are usually mundane rather than sinister. A payoff is taken by the servicer's collections platform. The monthly file that goes to the bureaus is generated by a different system on a fixed calendar. If the two systems do not reconcile before the cutoff, the account ages one more bucket and goes out with a delinquency mark. Nobody decided to report you late. Nobody stopped it either. And once it is in the file, it stays until someone makes it stop.

Three fields deserve your attention on any retail installment tradeline. The balance, which should be zero on a contract you paid. The account status, which should read paid or closed rather than open or charged off. And the date of last payment, which should match your bank statement, because a wrong date here can push the whole delinquency history out of alignment.

Check the date of first delinquency as well. Under 15 U.S.C. 1681c, most negative information may be reported for seven years running from that date. If it was reset when the account was placed with a collector or sold, the item will linger past its lawful expiry. That is re-aging, it is provable from your own statements, and it is worth catching.

The paperwork you already have, and what it proves

An unfamiliar bank on a credit report feels unanswerable until you realize the answer is usually sitting in a drawer or an email archive. Retail installment financing generates more documentation than app-based lending does, and the documents are dated.

Start with the repair order or sales invoice from the business where you signed. It carries the date, the amount and the name of the merchant, and the amount should match the original amount on the tradeline almost exactly. Then find the installment contract itself, which names the lender, the program and the term. Then pull bank or card statements for the months of payment.

Those three documents together answer every question the dispute process will ask. They establish that the account is yours or is not. They establish the correct original amount and term. They establish what you paid and when. A dispute built on documents is a different animal from one built on a recollection, and furnishers treat it differently.

If the merchant is a chain — a repair franchise, a furniture retailer — the store can usually reprint an invoice years later from the vehicle identification number, the phone number on file or the original card used. It is worth the phone call before you write anything.

Which programs put a TAB Bank name on your credit report

Transportation Alliance Bank, doing business as TAB Bank, reaches most consumer credit files as the issuing or originating bank behind a product marketed under someone else's name. If a TAB Bank or Transportation Alliance Bank entry appeared and you have never held an account you would describe as a TAB Bank account, start here.

• Mission Lane — the Mission Lane Visa is issued by Transportation Alliance Bank, Inc., doing business as TAB Bank, member FDIC, of Ogden, Utah. Depending on how the account is furnished and how a particular bureau displays it, the tradeline may read Mission Lane, or it may read some form of TAB Bank or Transportation Alliance Bank. Neither is automatically wrong, and seeing both is not automatically a duplicate.
• NetCredit — NetCredit's disclosures have historically named Transportation Alliance Bank d/b/a TAB Bank in connection with lines of credit, alongside other originating banks that vary by state.

Before you treat an unfamiliar bank name as fraud, compare the open date, the original amount and the monthly payment against the paperwork for the account you do recognize. A rebranded issuer and an identity-theft tradeline look identical at a glance, and they are handled in completely different ways.

What the FCRA requires once you dispute a TAB Bank tradeline

Two provisions do the work, and they bind different companies. Sending the dispute to the right place is what separates a legal claim from a filed complaint.

15 U.S.C. 1681i binds the credit reporting agency. On receiving your dispute it must reinvestigate at no charge, ordinarily within thirty days and up to forty-five if you supply more material during the period, must forward everything relevant you sent to the furnisher, and must delete or modify anything it cannot verify.

15 U.S.C. 1681s-2(b) binds the furnisher. Once the bureau notifies it, the furnisher must conduct an investigation, review the information the bureau forwarded, report the results back, and correct or delete inaccurate, incomplete or unverifiable data with every nationwide bureau it reported to. A reasonable investigation means examining what the company actually has in its records, not confirming that the file it already sent matches the file it already sent.

In a program like this the practical question is which entity is the furnisher, and the answer is functional: whichever company transmits the data. That may be the bank, the program operator, a purchaser of the contract or a collection agency that took it over. None of them satisfies the statute by pointing at another. "That account is handled by the finance company" is a deflection, not an investigation.

And one procedural trap that ends claims before they start. Section 1681s-2(a), the duty to report accurately in the first place, is not privately enforceable by consumers. Only a dispute routed through a credit reporting agency creates the duty you can sue on. Where a violation is negligent, section 1681o allows actual damages plus attorney's fees; where it is willful, section 1681n allows statutory damages of $100 to $1,000 per violation plus punitive damages.

Is the TAB Bank account on your report actually yours?

Sort your situation into one of these before you write to anyone. The remedies are different enough that guessing wastes months.

• It is yours, and the counter transaction hid it. You financed a repair, a purchase or an animal through EasyPay at a merchant, and the originating bank is what reports. Match the open date and the original amount to an invoice. If they line up, the entry belongs on your file — read every field on it anyway.
• It is yours, but a field is wrong. A balance surviving a payoff, delinquency marks in months you paid, a status of open on a contract you closed, a charge-off that never happened, a re-aged first delinquency date. These are specific and provable, and each is disputed by naming the field and stating the correct value with proof attached.
• It is one debt reported as two. If the bank and a purchaser or collection agency both report, one contract appears twice. Same open date and same original amount on two lines is the signature of duplication. Say which line should remain.
• It is not yours at all. Counter financing is approved on identifiers in under a minute, which makes it a soft target for someone using your information — and bureau matching sometimes merges a stranger's file into yours. For the first, see our identity theft credit report page and the four-business-day block under section 1681c-2. For the second, see mixed credit file cases.

A useful test for the last category: EasyPay financing is tied to a physical merchant in a specific place. If the open date falls in a period when you were nowhere near that state, or the merchant type is something you have never purchased, the fraud explanation moves from possible to likely.

Disputing a TAB Bank or EasyPay entry, step by step

Pull all three reports at AnnualCreditReport.com. Retail lenders furnish inconsistently, and an error frequently appears on one bureau and not the others. A single-bureau score app will not show you the problem.

Identify the account by open date, original amount and last four digits rather than by the name on the line. If you cannot place it, call the servicer number on the statement and ask which merchant originated the contract and on what date. That one answer usually resolves an unfamiliar entry without any letter at all.

Then be specific about the defect. "This is not accurate" invites a form response. "The status reads charged off; the contract was paid in full on April 9 and the correct status is paid, balance zero" does not. Name the field, state the correct value, attach the invoice, the contract and the statements.

Send the dispute in writing to every credit reporting agency showing the error. That is the step that starts section 1681i and, through it, the furnisher's section 1681s-2(b) duty. Our credit dispute letter guide shows the structure. Send a parallel letter to the servicer if you want a fast explanation, but that letter alone does not create your claim.

Mail certified with return receipt and keep an intact copy of the whole package. Proof of what the bureau received and when is often worth more in litigation than the wording inside. If a bureau verifies the item and it is still wrong, get advice rather than resending the same letter — repeated identical disputes can be treated as frivolous and stop generating obligations.

How The Kim Law Firm handles TAB Bank reporting problems

We represent consumers nationwide and act only for the plaintiff. The TAB Bank and EasyPay matters that become cases involve reporting that is demonstrably wrong: a contract paid in full still reported with a balance or as delinquent, a settled account reported as charged off, one obligation reported by both the bank and a collection agency, delinquency marks in months your statements show payment, a re-aged date of first delinquency, an account opened at a merchant you never visited, or a debt discharged in bankruptcy still reported as owing.

Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.

We do not help remove accurate negative information, and we will not take a case built on the rate being unfair. A high annual percentage rate on a contract you signed is not a credit reporting error, however unpleasant it is, and we will tell you that on the first call rather than after a paid consultation.

Where the reporting is inaccurate and a properly routed dispute left the error standing, you may be entitled to actual damages — credit denied, a worse rate, a lost apartment or job, and the emotional harm courts have long recognized in FCRA cases — plus attorney's fees and costs. Because the statute shifts fees when a consumer prevails, we work on contingency: no fee unless we win.

Our FCRA lawyer guide explains how a case unfolds and the credit reporting errors overview covers the patterns we see most. Other banks and lenders we handle are listed on our creditors and lenders page. When you are ready, contact us for a free review.

The bank behind the tablet at the counter

Point-of-sale financing is signed on a tablet at a counter, and the screen belongs to whoever is selling. The bank funding the loan is disclosed somewhere in the flow, usually in text nobody reads standing up in a store, and TAB Bank of Ogden, Utah is one of the institutions that ends up on the resulting tradeline. From the customer's side it looks like the merchant extended credit. From the credit file's side, a Utah bank they have never contacted is reporting an account with an open date, a balance and a payment history they are responsible for.

• Medallion Bank — a Utah lender funding recreational and home-improvement purchases.
• Indigo — a card brand issued through partner banks rather than its own charter.
• Merrick Bank — another Utah issuer appearing on files under its own name.
• Fortiva — retail financing reporting under a bank abbreviation.
• Pathward — a sponsor bank furnishing data for brands consumers know by other names.

Ask the merchant for a copy of the financing agreement if you did not keep one; you signed it and you are entitled to it. Compare the amount financed, the term and the payment schedule against what the tradeline reports. Where a purchase was returned, canceled or never delivered and the loan is still reporting a balance, that is an accuracy dispute with the bank as furnisher, not a customer service matter with the store.

TAB Bank phone numbers and mailing address

TAB Bank is the trade name of Transportation Alliance Bank, Inc., a Utah bank that does two very different things. It lends to trucking companies and small businesses, and it acts as an issuing bank for consumer credit cards marketed under other companies' brand names. Which of those brought you to this page changes which number below is the right one. Everything here is published by TAB Bank on its own contact page.

Phone numbers TAB Bank publishes

• Customer service: 800-355-3063, also written 1-800-355-3063, (800) 355-3063 or 8003553063. TAB Bank lists the hours as Monday through Friday 6:00am to 7:00pm Mountain Time and Saturday 9:00am to 3:00pm Mountain, excluding federal holidays.
• New accounts: (800) 215-7128, Monday through Friday 8:00am to 5:00pm Mountain.
• Treasury management: (877) 487-8558, Monday through Friday 8:00am to 5:00pm Mountain.
• Accounts receivable financing, operations: (877) 664-5503, fax (801) 624-5309.
• Accounts receivable financing, sales: (888) 440-4541, fax (801) 624-5368.
• Equipment loans: (877) 664-5503, fax (801) 624-5345.

Where TAB Bank is located

• Address: TAB Bank, 4185 Harrison Blvd., Ogden, UT 84403.

The 801 area code on the fax lines is Utah, which is consistent with the Ogden address. TAB Bank does not publish a separate post office box for consumer correspondence or a dedicated credit bureau dispute address on its contact page.

Why TAB Bank may appear on a credit report you do not recognize

Transportation Alliance Bank issues consumer credit cards for companies that market under their own brand names. The most widely held of these is the Mission Lane Visa, which Mission Lane discloses is issued by "Transportation Alliance Bank, Inc. dba TAB Bank, Member FDIC, or WebBank."

That disclosure is worth reading twice, because it names two possible issuers for the same product. Two cardholders holding what looks like the same Mission Lane card can have accounts held by two different banks, and the credit report can show either bank's name. If you are searching a report for a Mission Lane account and cannot find it, search for Transportation Alliance Bank, TAB Bank and WebBank as well.

The corollary matters too. An unexplained TAB Bank entry on a consumer credit report is much more likely to be a consumer card issued under a brand name than a commercial trucking loan, and calling the commercial lending lines above about it will not get you to the right department. Servicing for a brand-name card runs through the brand, not through the issuing bank's switchboard.

Where a TAB Bank credit report dispute actually goes

TAB Bank does not publish a dedicated credit bureau dispute address, and that absence makes the routing rule decisive rather than optional. Under the Fair Credit Reporting Act, a furnisher's obligation to investigate is triggered when the dispute reaches it from a credit bureau, not when it arrives in the mail from you directly.

Dispute in writing with Equifax, Experian and TransUnion. Send a copy to the servicer for the brand printed on the card, and a copy to TAB Bank at 4185 Harrison Blvd., Ogden, UT 84403 if you want the issuing bank to hold its own dated record. Keep proof of every mailing. If the bureau reinvestigation comes back verifying information you know is wrong, that paper trail is what shows what the furnisher knew and when.

Working out which bank actually holds your account

When a product can be issued by more than one bank, the cardholder agreement is the document that settles it. The issuing bank is named in the agreement and generally on the back of the card itself. That matters for more than curiosity: it determines whose name should appear on the tradeline, and a dispute sent to the wrong institution goes to a company with no record of the account.

If the bank named in your agreement and the bank named on your credit report are different, that discrepancy is worth documenting before you dispute. It is not necessarily an error — portfolios do move — but it is exactly the kind of inconsistency that a reinvestigation should resolve rather than simply verify.

Numbers and addresses that are not on this list

Banks and the companies that service cards on their behalf use outbound calling vendors and short-code messaging services, so a legitimate call or text about a TAB Bank issued account can come from a number that appears nowhere in the bank's published material. An unlisted number is not proof of a scam, and a number that matches this list is not proof the caller is genuine — caller ID is trivially spoofed. If you want to be certain, hang up and call the number printed on your statement or listed above.

There is a different problem worth separating out. If a TAB Bank or Transportation Alliance Bank entry appears on a report when you never applied for anything, the question is not whether a caller is real — it is that an application may have been submitted in your name. A hard inquiry generally stays on a credit report for two years, and the Fair Credit Reporting Act permits a consumer report to be obtained only for a permissible purpose.

To check what you are actually looking at:

• Pull all three reports at AnnualCreditReport.com and search for Transportation Alliance Bank and TAB Bank, and for WebBank if the account may be a Mission Lane card.
• Read the cardholder agreement to confirm which bank actually issued the account, then compare that against the name on the tradeline.
• Compare the three reports against each other. An account opened without your authorization frequently appears on one bureau before the others, and that difference is often the whole story.
• Dispute with the credit bureaus in writing, and send a copy to TAB Bank at 4185 Harrison Blvd., Ogden, UT 84403.
• Keep the dispute letters, the bureau responses and the envelopes. The paper trail is what establishes what the furnisher knew and when.

An account opened in your name without your authorization is an identity theft problem on your credit report, and the Fair Credit Reporting Act provides rights against both the furnisher and the bureaus that continue reporting it after a dispute.

Frequently asked questions

Why is TAB Bank on my credit report when I have never used that bank?

Because TAB Bank is the lender of record on EasyPay Finance contracts. If you financed a car repair, a furniture purchase or a pet through a merchant offering EasyPay, the bank that legally extended the credit was TAB, and a credit report records the legal creditor rather than the brand on your paperwork. Match the open date and original amount against the invoice from the merchant.

What is TAB Bank and where is it located?

TAB Bank is the trade name of Transportation Alliance Bank, Inc., FDIC Certificate #34781, established October 1, 1998, with its main office at 4185 Harrison Boulevard, Suite 200, Ogden, Utah 84403 and a general number of 1-800-355-3063. It is a real state-chartered bank with roughly $1.6 billion in assets, originally built around the trucking industry.

Did a state attorney general take action over EasyPay loans?

Yes, twice that we can document. Massachusetts announced a settlement with EasyPay on May 22, 2024 requiring $625,000 in restitution and ending its lending and collection in the state, describing a rent-a-bank arrangement with an out-of-state bank that the announcement did not name. Colorado announced a $275,000 restitution settlement on April 24, 2023 over loans exceeding the state's rate limits. Both concerned interest rates and licensing, not credit reporting accuracy.

My EasyPay contract is paid off but the report still shows a balance. What do I do?

Dispute it in writing with every credit reporting agency showing the error, and be specific: give the payoff date, the amount, and state that the correct balance is zero and the correct status is paid. Attach the payoff confirmation and the bank statement showing the final payment. This paid-but-still-reported pattern appears repeatedly in the complaint record for this program and it is exactly the kind of inaccuracy the FCRA addresses.

Can I get the tradeline removed because the interest rate was too high?

No. Whether a rate was lawful is a separate question from whether the credit report is accurate, and the Fair Credit Reporting Act only reaches accuracy and investigation. If the contract is yours and the payment history is correctly reported, the entry stays. If a field on it is wrong, that is a different matter and one worth pursuing.

What phone number does TAB Bank use?

TAB Bank publishes customer service at 800-355-3063, also written (800) 355-3063 or 8003553063, with hours of Monday through Friday 6:00am to 7:00pm Mountain and Saturday 9:00am to 3:00pm Mountain, excluding federal holidays. It also publishes new accounts at (800) 215-7128, treasury management at (877) 487-8558, accounts receivable financing operations at (877) 664-5503, accounts receivable financing sales at (888) 440-4541 and equipment loans at (877) 664-5503.

What is TAB Bank's mailing address?

TAB Bank's address is 4185 Harrison Blvd., Ogden, UT 84403. The 801 area code on its published fax lines is Utah, which is consistent with that address. TAB Bank does not publish a separate post office box for consumer correspondence or a dedicated credit bureau dispute address on its contact page.

Why is TAB Bank on my credit report?

TAB Bank is the trade name of Transportation Alliance Bank, Inc., which issues consumer credit cards for companies that market under their own brand names. The most widely held is the Mission Lane Visa, which Mission Lane discloses is issued by Transportation Alliance Bank, Inc. dba TAB Bank, Member FDIC, or WebBank. An unexplained TAB Bank entry on a consumer report is far more likely to be a brand-name credit card than a commercial trucking or equipment loan.

How do I find out which bank actually holds my account?

When a card product can be issued by more than one bank, the cardholder agreement is the document that settles it, and the issuing bank is generally named on the back of the card as well. That matters for more than curiosity, because it determines whose name should appear on the tradeline, and a dispute sent to the wrong institution goes to a company with no record of the account. If the bank named in your agreement and the bank named on your credit report differ, document that discrepancy before disputing.

How do I dispute a TAB Bank account on my credit report?

TAB Bank does not publish a dedicated credit bureau dispute address, which makes the routing rule decisive. Under the Fair Credit Reporting Act, a furnisher's obligation to investigate is triggered when the dispute reaches it from a credit bureau, not when it arrives in the mail from you directly. Dispute in writing with Equifax, Experian and TransUnion, send a copy to the servicer for the brand printed on the card and a copy to TAB Bank at 4185 Harrison Blvd., Ogden, UT 84403, and keep proof of every mailing.

Location does not limit us. The Kim Law Firm represents consumers across the country in Fair Credit Reporting Act matters, working from our offices in Philadelphia, Pennsylvania. If a TAB Bank or EasyPay Finance entry on your credit report shows a balance you already paid, a delinquency that did not happen, or a contract you never signed, and disputing it has not fixed it, we would like to hear from you.