Coastal Heritage Bank on Your Credit Report
In short: Based in Weymouth, Massachusetts, Coastal Heritage Bank is a state-chartered commercial bank that is a member of the Federal Reserve System. Its FDIC record is certificate 26591, with a charter date of January 1, 1889. As a nineteenth-century charter, it has been furnishing account data for longer than the modern credit file has existed in its current form. The 06/30/2026 call report puts total assets at $984 million, spread over 10 FDIC-reported offices. Lending from its own balance sheet makes Coastal Heritage Bank the furnisher of record rather than an assignee, so your FCRA §623 dispute reaches the institution that actually holds the account documents. 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 Coastal Heritage Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Coastal Heritage Bank operates under FDIC certificate 26591 from Weymouth, Massachusetts, where its charter has run since January 1, 1889; the 06/30/2026 call report shows $984 million in total assets and 10 FDIC-reported offices.
How Coastal Heritage Bank appears on your credit report
Coastal Heritage Bank furnishes its own tradelines as the original creditor, which matters for how you write. A 10-office community bank rarely has a dedicated disputes department, so precision in your letter does more work than volume. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. What results depends entirely on what the bank's records show, which differs from account to account.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and consumer installment credit written in-branch
- ◆Home-equity and mortgage lending secured by Massachusetts property
- ◆Overdraft lines and deposit-linked credit tied to Coastal Heritage Bank checking accounts
Grounds to dispute a Coastal Heritage Bank entry
Each of these is a reason a Coastal Heritage Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Coastal Heritage Bank
- ◆Charge-off reported by Coastal Heritage Bank after the account was settled in full
- ◆The same Coastal Heritage Bank loan appearing twice after a branch or system consolidation
- ◆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
Coastal Heritage 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, Coastal Heritage 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 Coastal Heritage Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Coastal Heritage Bank questions, answered
Is Coastal Heritage Bank FDIC-insured, and what is its certificate number?
Yes. Coastal Heritage Bank holds FDIC certificate 26591. The FDIC record shows a charter established January 1, 1889, headquarters in Weymouth, MA, and 10 FDIC-reported offices with $984 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state banking regulator.
Who regulates Coastal Heritage Bank, and where do I escalate if a dispute fails?
Supervision of Coastal Heritage Bank sits with the Federal Reserve and its state banking regulator. If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against Coastal Heritage Bank?
We do not publish a figure for Coastal Heritage Bank. A 10-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 Coastal Heritage Bank would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Coastal Heritage Bank charge-off stay on my credit report?
A charged-off Coastal Heritage Bank account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Coastal Heritage Bank charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Coastal Heritage Bank and disputing with a collector?
Coastal Heritage Bank is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to Coastal Heritage Bank reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Coastal Heritage Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Coastal Heritage Bank's own arrangements. A lender with 10 offices and $984 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Coastal Heritage Bank account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
Coastal Heritage Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Coastal Heritage Bank 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 this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten.
Can I dispute Coastal Heritage Bank reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send Coastal Heritage Bank a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on Coastal Heritage Bank 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 Coastal Heritage Bank, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. 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 Coastal Heritage 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.