Citizens Bank of West Virginia, Inc. on Your Credit Report
In short: Citizens Bank of West Virginia, Inc. is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Elkins, West Virginia. The institution carries FDIC certificate 6760 and a charter dated January 22, 1924. That makes it a pre-deposit-insurance charter, so its reporting history predates most of the systems that now carry it. On the 06/30/2026 call report it reported $772 million in total assets and 9 FDIC-reported offices. Since the loans are originated and held by Citizens Bank of West Virginia, Inc. 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 Citizens Bank of West Virginia, Inc. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Citizens Bank of West Virginia, Inc. is an FDIC-insured state bank under certificate 6760, headquartered in Elkins, West Virginia, with $772 million in total assets and 9 FDIC-reported offices as of the 06/30/2026 call report; its charter dates to January 22, 1924.
How Citizens Bank of West Virginia, Inc. appears on your credit report
Citizens Bank of West Virginia, Inc. furnishes its own tradelines as the original creditor, which matters for how you write. At $772 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. 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
- ◆Personal and signature loans originated at its 9 West Virginia offices
- ◆Mortgage and home-equity credit originated in the West Virginia market
- ◆Overdraft lines and deposit-linked credit tied to Citizens Bank of West Virginia, Inc. checking accounts
Grounds to dispute a Citizens Bank of West Virginia, Inc. entry
Each of these is a reason a Citizens Bank of West Virginia, Inc. tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆West Virginia home-equity line closed at refinance yet still reporting open with Citizens Bank of West Virginia, Inc.
- ◆Charge-off reported by Citizens Bank of West Virginia, Inc. after the account was settled in full
- ◆Duplicate Citizens Bank of West Virginia, Inc. tradeline created when the account migrated between core systems
- ◆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
Citizens Bank of West Virginia, Inc. 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, Citizens Bank of West Virginia, Inc. 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 Citizens Bank of West Virginia, Inc. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Citizens Bank of West Virginia, Inc. questions, answered
Is Citizens Bank of West Virginia, Inc. FDIC-insured, and what is its certificate number?
Yes. Citizens Bank of West Virginia, Inc. holds FDIC certificate 6760. The FDIC record shows a charter established January 22, 1924, headquarters in Elkins, WV, and 9 FDIC-reported offices with $772 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state banking regulator.
Who regulates Citizens Bank of West Virginia, Inc., and where do I escalate if a dispute fails?
Citizens Bank of West Virginia, Inc. is a state-chartered commercial bank that is not a member of the Federal Reserve System, so its primary oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Citizens Bank of West Virginia, Inc.?
We do not publish a figure for Citizens Bank of West Virginia, Inc.. A 9-office community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Citizens Bank of West Virginia, Inc. would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Citizens Bank of West Virginia, Inc. charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For Citizens Bank of West Virginia, Inc., find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with Citizens Bank of West Virginia, Inc. and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Citizens Bank of West Virginia, Inc.'s tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Citizens Bank of West Virginia, Inc. tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Citizens Bank of West Virginia, Inc. 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 Citizens Bank of West Virginia, Inc. 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.
Citizens Bank of West Virginia, Inc. was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Citizens Bank of West Virginia, Inc. 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 predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect.
Can I dispute Citizens Bank of West Virginia, Inc. 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 Citizens Bank of West Virginia, Inc. 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 Citizens Bank of West Virginia, Inc. reporting?
Check the delinquency date first, since it controls the reporting window; then account status, which decides how the item is read; then the balance and limit, which drive utilization. With Citizens Bank of West Virginia, Inc., a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Verify each against statements in your possession — a dispute anchored to one specific provable discrepancy is the one that moves.
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 Citizens Bank of West Virginia, Inc.; 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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