CBBC Bank on Your Credit Report
In short: CBBC Bank is a community bank operating as a state-chartered commercial bank that is not a member of the Federal Reserve System, based in Maryville, Tennessee. The charter behind FDIC certificate 21227 dates to September 24, 1973 — a late-twentieth-century charter, so its reporting history largely begins inside electronic systems. The 06/30/2026 call report shows $562 million in total assets across 7 FDIC-reported offices. CBBC Bank is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are open to you. 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 CBBC Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
CBBC Bank holds FDIC certificate 21227, chartered September 24, 1973 in Maryville, Tennessee (53 years old), and reported $562 million in total assets across 7 offices on the 06/30/2026 call report.
How CBBC Bank appears on your credit report
CBBC Bank is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. Name the account by its last four digits and open date, state the one field you believe is wrong, and file the bureau dispute at the same time. Outcomes depend entirely on what the records show.
Names it may report under
Products that commonly show up
- ◆Consumer accounts originated across its 7 Tennessee offices
- ◆Deposit-account overdraft balances referred for collection
- ◆Small-business and agricultural credit carrying a personal guaranty
Grounds to dispute a CBBC Bank entry
Each of these is a reason a CBBC Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Duplicate tradeline created when CBBC Bank converted its loan platform
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆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
CBBC 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, CBBC 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 CBBC Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
CBBC Bank questions, answered
Is CBBC Bank FDIC-insured, and what is its certificate number?
Yes. CBBC Bank carries FDIC certificate 21227. The FDIC describes it as a state-chartered commercial bank that is not a member of the Federal Reserve System based in Maryville, TN, established September 24, 1973, reporting $562 million in total assets and 7 offices as of 06/30/2026.
Who regulates CBBC 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, CBBC 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 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against CBBC Bank?
We do not publish a figure for CBBC Bank. 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 CBBC Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the CBBC Bank account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with CBBC Bank and disputing with a collector?
CBBC Bank is the original creditor and holds the underlying file — application, statements, posting history. Collectors typically receive a data file, not the original paperwork. Disputing directly with CBBC Bank under §623 puts the question to the party that can actually check it.
Does CBBC Bank report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With CBBC Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
CBBC Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When CBBC Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a late-twentieth-century charter, so its reporting history largely begins inside electronic systems.
Can I dispute CBBC 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 CBBC 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 CBBC 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. Compare the CBBC Bank 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 CBBC 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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