Charlevoix State Bank on Your Credit Report
In short: Headquartered in Charlevoix, Michigan, Charlevoix State Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System. Under FDIC certificate 33926, the charter was established August 16, 1994, making it a late-twentieth-century charter, so its reporting history largely begins inside electronic systems. The 06/30/2026 call report shows $248 million in total assets across 7 FDIC-reported offices. Accounts originated here are furnished by Charlevoix State Bank itself, which means a §623 dispute goes to the institution that holds the underlying file. 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 Charlevoix State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Charlevoix State Bank operates 7 FDIC-reported offices out of Charlevoix, Michigan, under certificate 33926, and the 06/30/2026 call report puts its total assets at $248 million on a charter dating to August 16, 1994.
How Charlevoix State Bank appears on your credit report
Charlevoix State 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. 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
- ◆Auto and equipment loans financed through local dealers
- ◆Personal lines of credit tied to a Charlevoix State Bank deposit relationship
- ◆Consumer installment loans booked across its branch network
Grounds to dispute a Charlevoix State Bank entry
Each of these is a reason a Charlevoix State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account settled with Charlevoix State Bank still reporting the original charged-off balance
- ◆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
- ◆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
Charlevoix State 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, Charlevoix State 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 Charlevoix State Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Charlevoix State Bank questions, answered
Is Charlevoix State Bank FDIC-insured, and what is its certificate number?
Yes. Charlevoix State Bank carries FDIC certificate 33926. The FDIC describes it as a state-chartered commercial bank that is not a member of the Federal Reserve System based in Charlevoix, MI, established August 16, 1994, reporting $248 million in total assets and 7 offices as of 06/30/2026.
Who regulates Charlevoix State 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, Charlevoix State Bank answers primarily to the FDIC and its state banking regulator. 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 Charlevoix State Bank?
None is listed. Charlevoix State Bank did not match any company key in the CFPB credit-card complaint dataset on an exact-name basis, and we decline to estimate from a loose match. You can search the public database yourself at consumerfinance.gov.
How long can a Charlevoix State Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Charlevoix State Bank 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 Charlevoix State Bank and disputing with a collector?
Charlevoix State Bank 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 Charlevoix State Bank tends to resolve factual questions a collector simply cannot answer.
Does Charlevoix State 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 Charlevoix State Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Charlevoix State Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Charlevoix State Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Push for removal of the duplicate entry instead of accepting a "closed" notation, which does not undo the scoring impact. In this case the charter is a late-twentieth-century charter, so its reporting history largely begins inside electronic systems.
Can I dispute Charlevoix State 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. Send Charlevoix State Bank a written dispute identifying the exact field at issue, file the same dispute with the bureaus, and retain mailing receipts. What results depends on the underlying file.
What should I check first on Charlevoix State 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. Match the Charlevoix State Bank entry to your statements before writing. A specific, documented inaccuracy moves an investigation that a blanket request will not.
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 Charlevoix State 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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