Citizens Deposit Bank of Arlington, Inc. on Your Credit Report
In short: Citizens Deposit Bank of Arlington, Inc. is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Arlington, Kentucky. The charter behind FDIC certificate 16852 dates to December 1, 1949 — a twentieth-century charter whose reporting practices long predate the FCRA. As of the 06/30/2026 call report, Citizens Deposit Bank of Arlington, Inc. held $348 million in assets and operated 5 FDIC-reported offices. As the originating lender, Citizens Deposit Bank of Arlington, Inc. furnishes the tradeline itself — meaning a §623 dispute reaches the party holding the underlying paperwork, and a §611 dispute runs in parallel through the bureaus. 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 Deposit Bank of Arlington, Inc. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Citizens Deposit Bank of Arlington, Inc. appears in the FDIC's ACTIVE institution list under certificate 16852, with 5 FDIC-reported offices and $348 million in total assets in Arlington, Kentucky.
How Citizens Deposit Bank of Arlington, Inc. appears on your credit report
Treat Citizens Deposit Bank of Arlington, Inc. as the furnisher of record. An original creditor retains the application, the statements and the posting history; an assignee generally does not. Chartered in Kentucky and operating 5 FDIC-reported offices, Citizens Deposit Bank of Arlington, Inc. handles disputes against its own records. Send it in writing, be specific about which field is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and installment credit booked through its 5 Kentucky locations
- ◆Residential mortgage and home-equity lending in and around Arlington
- ◆Negative deposit balances charged off and reported
Grounds to dispute a Citizens Deposit Bank of Arlington, Inc. entry
Each of these is a reason a Citizens Deposit Bank of Arlington, Inc. tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at an Arlington teller window credited a day late and reported as delinquent
- ◆Paid-in-full account still reporting an outstanding balance from Citizens Deposit Bank of Arlington, Inc.
- ◆Single Citizens Deposit Bank of Arlington, Inc. account reporting twice following a data migration
- ◆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 Deposit Bank of Arlington, 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 Deposit Bank of Arlington, 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 Deposit Bank of Arlington, 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 Deposit Bank of Arlington, Inc. questions, answered
Is Citizens Deposit Bank of Arlington, Inc. FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 16852. That record lists Citizens Deposit Bank of Arlington, Inc. as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Arlington, KY, chartered December 1, 1949, with $348 million in assets across 5 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Citizens Deposit Bank of Arlington, Inc., and where do I escalate if a dispute fails?
As a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, Citizens Deposit Bank of Arlington, Inc. answers primarily to that regulator. Where a §611 and a §623 dispute both come back "verified" against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against Citizens Deposit Bank of Arlington, Inc.?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Citizens Deposit Bank of Arlington, Inc. 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 a Citizens Deposit Bank of Arlington, Inc. charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Citizens Deposit Bank of Arlington, Inc. account. The clock runs from the original delinquency — a charge-off or sale does not restart it. If the date of first delinquency moves forward, that is re-aging, and it is itself an FCRA violation worth disputing.
What is the difference between disputing with Citizens Deposit Bank of Arlington, Inc. and disputing with a collector?
Citizens Deposit Bank of Arlington, Inc. is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. Disputing directly with Citizens Deposit Bank of Arlington, Inc. under §623 puts the question to the party that can actually check it against source documents.
Does Citizens Deposit Bank of Arlington, Inc. report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and a bank operating 5 offices often does not. Pull all three files and compare them. With Citizens Deposit Bank of Arlington, Inc., a balance that differs between bureaus usually reflects different refresh dates; an account status or date of first delinquency that differs is the real signal worth disputing.
Citizens Deposit Bank of Arlington, Inc. changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Citizens Deposit Bank of Arlington, Inc. has operated since 1949, and a charter of that age has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines explicitly.
Can I dispute a Citizens Deposit Bank of Arlington, Inc. account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Citizens Deposit Bank of Arlington, Inc. are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is Citizens Deposit Bank of Arlington, Inc. headquartered, and does that affect my dispute?
Citizens Deposit Bank of Arlington, Inc. is headquartered in Arlington, Kentucky, with 5 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Deposit Bank of Arlington, 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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