All America Bank on Your Credit Report
In short: All America Bank runs a state-chartered commercial bank that is not a member of the Federal Reserve System out of Oklahoma City, Oklahoma. The FDIC records certificate 20093 with a charter date of December 22, 1969 — a post-war institution by the FDIC's own dating. On the 06/30/2026 call report All America Bank reported $611 million in assets and 7 offices. Because All America Bank originates and keeps its own loans, it furnishes the tradeline directly — which means you can dispute with the bank under §623 and with the bureaus under §611 at the same time. 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 All America Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
All America Bank holds FDIC certificate 20093, chartered December 22, 1969 in Oklahoma City, Oklahoma (57 years old), and reported $611 million in total assets across 7 offices on the 06/30/2026 call report.
How All America Bank appears on your credit report
All America Bank is an original creditor, not a collector, and that changes the mechanics. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Identify the account by last four digits and open date, say precisely which field is wrong, and run the bureau dispute in parallel rather than sequentially. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and installment loans originated in-branch
- ◆Home loans and home-equity lines originated locally in Oklahoma
- ◆Consumer accounts originated across its 7 Oklahoma offices
Grounds to dispute a All America Bank entry
Each of these is a reason a All America Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payoff posted by All America Bank to the wrong account number
- ◆Settled-for-less account reported by All America Bank as a full charge-off
- ◆Single All America Bank loan appearing twice after a systems migration
- ◆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
All America 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, All America 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 All America Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
All America Bank questions, answered
Is All America Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 20093. That record lists All America Bank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Oklahoma City, OK, chartered December 22, 1969, with $611 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates All America Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, All America Bank answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against All America Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched All America 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 an All America Bank charge-off stay on my credit report?
Roughly seven years, counted from the date of first delinquency — the missed payment on the All America Bank account that was never brought current. Charging off, selling or transferring the balance does not restart that clock, and an All America Bank entry whose delinquency date moves forward has been re-aged.
What is the difference between disputing with All America Bank and disputing with a collector?
It comes down to who holds the paperwork. All America Bank has the signed application and the full payment ledger; an assignee typically received a summary file. A §623 dispute to All America Bank therefore reaches the only party able to verify the detail from source.
Does All America Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming All America Bank made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
All America Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When All America Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter of this age predates automated bureau furnishing, so older account history was loaded in by conversion rather than entered natively.
Can I dispute All America Bank reporting myself, without paying anyone?
Yes — entirely on your own and without a fee. All America Bank must investigate a §623 dispute from you just as it would from anyone else. Name the specific inaccurate field, file with the bureaus in parallel, and keep copies. Results depend on the underlying documentation.
What should I check first on All America Bank reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter of this age predates automated bureau furnishing, so older account history was loaded in by conversion rather than entered natively, pull your own statements and check the All America Bank entry field by field. One documented error beats a broad removal request every time.
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 All America 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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