Cross County Savings Bank on Your Credit Report
In short: Cross County Savings Bank is a state-chartered savings institution supervised by the FDIC and its state regulator headquartered in Middle Village, New York. The charter behind FDIC certificate 30260 dates to January 1, 1888 — a nineteenth-century charter that predates the credit-reporting system entirely. As of the 06/30/2026 call report, Cross County Savings Bank held $525 million in assets and operated 6 FDIC-reported offices. Cross County Savings 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 Cross County Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Cross County Savings Bank carries FDIC certificate 30260, 6 FDIC-reported offices and $525 million in total assets on the 06/30/2026 call report, based in Middle Village, New York.
How Cross County Savings Bank appears on your credit report
Cross County Savings Bank is the furnisher here, not an assignee, which matters: an assignee usually receives a data file while the originator keeps the paperwork. Chartered in New York and operating 6 offices, Cross County Savings Bank handles disputes against its own records. Dispute in writing, name the exact field in question, and run the §611 bureau route in parallel. No outcome is promised — it depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer and installment accounts originated across its 6 New York offices
- ◆Real-estate secured credit originated around Middle Village
- ◆Negative deposit balances charged off and reported
Grounds to dispute a Cross County Savings Bank entry
Each of these is a reason a Cross County Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment posted the next business day and flagged delinquent
- ◆Account still showing a balance after Cross County Savings Bank processed the payoff
- ◆Duplicate tradeline created by a Middle Village core-system conversion
- ◆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
Cross County Savings 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, Cross County Savings 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 Cross County Savings Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Cross County Savings Bank questions, answered
Is Cross County Savings Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 30260. That record lists Cross County Savings Bank as a state-chartered savings institution supervised by the FDIC and its state regulator headquartered in Middle Village, NY, chartered January 1, 1888, with $525 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Cross County Savings Bank, and where do I escalate if a dispute fails?
As a state-chartered savings institution supervised by the FDIC and its state regulator, Cross County Savings Bank 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 Cross County Savings Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Cross County Savings Bank 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 Cross County Savings Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Cross County Savings 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 Cross County Savings Bank and disputing with a collector?
Cross County Savings 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 Cross County Savings Bank under §623 puts the question to the party that can actually check it.
Does Cross County Savings Bank report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With Cross County Savings Bank, a balance that differs by bureau is usually a refresh-date artifact, while a differing status or date of first delinquency is the genuine signal.
Cross County Savings Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. Cross County Savings Bank has operated since 1888, and charters that old have usually been through at least one core-system migration. One 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.
Can I dispute a Cross County Savings Bank account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Cross County Savings Bank are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise a specific result. Accurate, in-date information remains on the file.
Where is Cross County Savings Bank headquartered, and does that affect my dispute?
Cross County Savings Bank is headquartered in Middle Village, New York, with 6 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies the same way 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 Cross County Savings 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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