Amerasia Bank on Your Credit Report
In short: From its Flushing, New York headquarters, Amerasia Bank operates as a state-chartered commercial bank that is not a member of the Federal Reserve System. FDIC certificate 27267 records the charter as established June 20, 1988. That makes it a late-twentieth-century charter, so its reporting history predates most of the systems that now carry it. As of the 06/30/2026 call report, Amerasia Bank held $1.08 billion in assets and operated 8 FDIC-reported offices. Since the loans are originated and held by Amerasia Bank itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each bureau. 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 Amerasia Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Amerasia Bank holds FDIC certificate 27267, chartered June 20, 1988 in Flushing, New York (38 years old), and reported $1.08 billion in total assets across 8 offices on the 06/30/2026 call report.
How Amerasia Bank appears on your credit report
Amerasia Bank is an original creditor, not a collector, and that changes the mechanics. A bank in this size range typically runs reporting through a small operations team, which is why a letter identifying one specific field usually outperforms a general demand. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in the New York market
- ◆Consumer accounts originated across its 8 New York offices
Grounds to dispute a Amerasia Bank entry
Each of these is a reason a Amerasia Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Amerasia Bank
- ◆Account settled with Amerasia Bank still reporting the original charged-off balance
- ◆State-chartered account duplicated after a core-system conversion
- ◆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
Amerasia 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, Amerasia 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 Amerasia Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Amerasia Bank questions, answered
Is Amerasia Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 27267. That record lists Amerasia Bank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Flushing, NY, chartered June 20, 1988, with $1.08 billion in assets across 8 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Amerasia 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, Amerasia 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 Amerasia Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Amerasia 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 Amerasia Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Amerasia Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. An Amerasia Bank tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Amerasia Bank and disputing with a collector?
The records sit in different places. Amerasia Bank originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with Amerasia Bank under §623 puts your challenge in front of whoever can actually check it against source documents.
Does Amerasia Bank report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding Amerasia Bank has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
Amerasia Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Amerasia 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 from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors.
Can I dispute Amerasia Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to Amerasia Bank naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on Amerasia 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 from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, pull your own statements and check the Amerasia 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 Amerasia 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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