Bank of Cave City on Your Credit Report
In short: Bank of Cave City is a community-scale lender operating as a state-chartered commercial bank that is a member of the Federal Reserve System, based in Cave City, Arkansas. Under FDIC certificate 105, the charter was established July 1, 1906, making it a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. On the 06/30/2026 call report the bank reported $194 million in assets, served from 5 FDIC-reported offices. As the originating furnisher, Bank of Cave City holds the source records, so a §623 dispute and a §611 bureau dispute can run in parallel. 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 Bank of Cave City actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bank of Cave City appears in FDIC records as certificate 105 — $194 million in total assets, 5 offices, headquartered in Cave City, Arkansas, on a charter 120 years old as of 2026.
How Bank of Cave City appears on your credit report
Bank of Cave City is an original creditor, not a collector, and that changes the mechanics. An institution this size usually has one person who can actually pull the original file, so naming the exact field you are challenging gets further than a broad request. Put the account number's last four digits, the open date and the specific disputed field in writing, and run the §611 and §623 disputes in parallel. Results vary with what the file actually contains.
Names it may report under
Products that commonly show up
- ◆Mortgage and home-equity credit originated in Arkansas
- ◆Consumer accounts originated across its 5 Arkansas offices
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute a Bank of Cave City entry
Each of these is a reason a Bank of Cave City tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Overdraft balance reported as a loan default rather than a deposit item
- ◆Payment posted at a branch on time but credited after the due date
- ◆Mortgage payoff recorded by the title company but not updated by Bank of Cave City
- ◆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
Bank of Cave City 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, Bank of Cave City 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 Bank of Cave City a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Bank of Cave City questions, answered
Is Bank of Cave City FDIC-insured, and what is its certificate number?
Deposits are insured under FDIC certificate 105. The FDIC record shows a state-chartered commercial bank that is a member of the Federal Reserve System in Cave City, AR, chartered July 1, 1906, holding $194 million across 5 offices on the 06/30/2026 call report.
Who regulates Bank of Cave City, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, Bank of Cave City answers primarily to the Federal Reserve and its state banking regulator, with the FDIC as deposit insurer. If both the §623 furnisher dispute and the §611 bureau dispute return verified while your own records say otherwise, you can file a CFPB complaint and, where warranted, pursue the private right of action under FCRA §§616–617. Both routes are free to you.
How many credit-card complaints does the CFPB show against Bank of Cave City?
We do not publish a figure for Bank of Cave City. An exact-name query against the CFPB's credit-card complaint company list returned no match, and partial-name matching is unreliable enough to attach another company's complaints to this one. The public database at consumerfinance.gov is searchable directly.
How long can a Bank of Cave City charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Bank of Cave City account. Neither a charge-off entry nor a sale to a collector resets the seven-year window. A delinquency date that shifts later is the signal that the account has been re-aged.
What is the difference between disputing with Bank of Cave City and disputing with a collector?
Bank of Cave City is the original creditor and holds the underlying file — application, statements, posting history. A collector holds only what was transferred with the account. That is why a §623 dispute to Bank of Cave City tends to resolve factual questions a collector simply cannot answer.
Does Bank of Cave City report to all three credit bureaus?
Nothing in the FCRA compels a furnisher to report to all three nationwide bureaus, so coverage can be uneven. Compare all three files first. With Bank of Cave City, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Bank of Cave City was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Bank of Cave City 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 the charter is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems.
Can I dispute Bank of Cave City 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 Bank of Cave City 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 Bank of Cave City 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. Compare the Bank of Cave City tradeline against your own statements line by line; a single provable discrepancy is worth more than a general complaint.
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 Bank of Cave City; 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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