Dime Bank on Your Credit Report
In short: Operating 14 FDIC-reported offices from a head office in Norwich, Connecticut, Dime Bank is a state-chartered savings institution supervised by the FDIC and its state regulator under FDIC certificate 18200. The charter dates to January 1, 1869 and the most recent call report, dated 06/30/2026, shows $1.21 billion in total assets. As an original creditor, Dime Bank is the furnisher on its own tradelines, not an assignee of someone else's. 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 Dime Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Dime Bank carries FDIC certificate 18200, operates 14 FDIC-reported offices and reported $1.21 billion in assets on its most recent call report in Norwich, Connecticut.
How Dime Bank appears on your credit report
Dime Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With a Connecticut charter and 14 FDIC-reported offices, Dime Bank adjudicates these disputes internally. Put it in writing, name the specific field you say 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
- ◆Deposit-linked overdraft lines attached to Dime Bank checking accounts
- ◆Installment loans originated across the 14 Connecticut offices of Dime Bank
- ◆Construction and lot loans underwritten locally by Dime Bank in Norwich
Grounds to dispute a Dime Bank entry
Each of these is a reason a Dime Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Norwich office credited to the wrong Dime Bank account number
- ◆Account still reporting open after Dime Bank closed it at your request
- ◆First-delinquency date shifted forward on a later Dime Bank pull
- ◆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
Dime 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, Dime 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 Dime Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Dime Bank questions, answered
Does the FDIC insure deposits at Dime Bank?
It is insured, and certificate 18200 is the number to quote. The FDIC lists a state-chartered savings institution supervised by the FDIC and its state regulator, headquartered Norwich, CT, chartered January 1, 1869, reporting $1.21 billion and 14 offices as of 06/30/2026.
Which regulator oversees Dime Bank?
Dime Bank answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Dime Bank head office in Norwich is the right address for the written record.
How many credit-card complaints does the CFPB show against Dime Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Dime 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 Dime Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Dime Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Dime Bank and disputing with a collector?
The records live in different places. As the original creditor, Dime Bank holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Dime Bank therefore lands where the evidence actually is.
Does Dime Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Dime Bank — 14 offices in Connecticut — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Dime Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Dime Bank has operated since 1869, and a charter that old 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.
Can I dispute a Dime Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Dime Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Dime Bank headquartered, and does that affect my dispute?
Dime Bank is headquartered in Norwich, Connecticut, with 14 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 Dime 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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