1st National Bank on Your Credit Report
In short: Operating 8 FDIC-reported offices from a head office in Lebanon, Ohio, 1st National Bank is a national bank chartered by the Office of the Comptroller of the Currency under FDIC certificate 6646. The charter dates to January 1, 1907 and the most recent call report, dated 06/30/2026, shows $247 million in total assets. As an original creditor, 1st National 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 1st National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
1st National Bank holds FDIC certificate 6646 from a charter dated January 1, 1907, running 8 FDIC-reported offices out of Lebanon, Ohio against $247 million in reported assets.
How 1st National Bank appears on your credit report
1st National Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With an Ohio charter and 8 FDIC-reported offices, 1st National Bank adjudicates these disputes internally. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans booked through 1st National Bank branch staff in Ohio
- ◆First-lien residential mortgages and refinances written around Lebanon
- ◆Small-business and agricultural credit carried on the 1st National Bank balance sheet
Grounds to dispute a 1st National Bank entry
Each of these is a reason a 1st National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with 1st National Bank not reflected in the monthly status
- ◆1st National Bank account reported in the name of a co-signer who never signed
- ◆Charge-off reported by 1st National Bank without the underlying itemization on file
- ◆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
1st National 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, 1st National 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 1st National Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
1st National Bank questions, answered
Is 1st National Bank FDIC-insured, and under what certificate?
Yes — 1st National Bank appears in FDIC BankFind under certificate 6646. The record shows a national bank chartered by the Office of the Comptroller of the Currency based in Lebanon, OH, with a charter dated January 1, 1907, $247 million in assets and 8 offices at the 06/30/2026 call report.
Who supervises 1st National Bank if a dispute goes nowhere?
Supervision sits with the Office of the Comptroller of the Currency. When both the §611 bureau dispute and the §623 direct dispute to 1st National 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 1st National Bank head office in Lebanon, Ohio.
How many credit-card complaints does the CFPB show against 1st National Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched 1st National 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 a 1st National 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 1st National 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 1st National Bank and disputing with a collector?
The records live in different places. As the original creditor, 1st National 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 1st National Bank therefore lands where the evidence actually is.
Does 1st National Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so 1st National Bank — 8 offices in Ohio — 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 1st National Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. 1st National Bank has operated since 1907, 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 a 1st National Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to 1st National 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 1st National Bank headquartered, and does that affect my dispute?
1st National Bank is headquartered in Lebanon, Ohio, with 8 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 1st National 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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