EvaBank on Your Credit Report
In short: EvaBank, based in Eva, Alabama, is a state-chartered commercial bank that is not a member of the Federal Reserve System. Under FDIC certificate 26799, the charter was established October 13, 1986, making it a late-twentieth-century charter, so its reporting history largely begins inside electronic systems. As of the 06/30/2026 call report, EvaBank held $491 million in assets and operated 6 FDIC-reported offices. EvaBank 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 EvaBank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
EvaBank holds FDIC certificate 26799, chartered October 13, 1986 in Eva, Alabama (40 years old), and reported $491 million in total assets across 6 offices on the 06/30/2026 call report.
How EvaBank appears on your credit report
EvaBank is an original creditor, not a collector, and that changes the mechanics. With 6 offices, the branch that opened the account is often still the fastest route to the original paperwork — ask for it by branch, not just by account number. Put the account number's last four digits, the open date and the specific disputed field in writing, and run the §611 and §623 disputes in parallel. Results vary with what the file actually contains.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in Alabama
- ◆Consumer accounts originated across its 6 Alabama offices
Grounds to dispute a EvaBank entry
Each of these is a reason a EvaBank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account settled with EvaBank still reporting the original charged-off balance
- ◆Overdraft balance reported as a loan default rather than a deposit item
- ◆Payment posted at a branch on time but credited after the due date
- ◆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
EvaBank 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, EvaBank 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 EvaBank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
EvaBank questions, answered
Is EvaBank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 26799. That record lists EvaBank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Eva, AL, chartered October 13, 1986, with $491 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates EvaBank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, EvaBank answers primarily to the FDIC and its state banking regulator. If both the §623 furnisher dispute and the §611 bureau dispute return verified while your own records say otherwise, you can file a CFPB complaint and, where warranted, pursue the private right of action under FCRA §§616–617. Both routes are free to you.
How many credit-card complaints does the CFPB show against EvaBank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched EvaBank 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 an EvaBank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the EvaBank account. Neither a charge-off entry nor a sale to a collector resets the seven-year window. A delinquency date that shifts later is the signal that the account has been re-aged.
What is the difference between disputing with EvaBank and disputing with a collector?
EvaBank is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to EvaBank reaches the source documents instead.
Does EvaBank 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 EvaBank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
EvaBank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When EvaBank 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 the charter is a late-twentieth-century charter, so its reporting history largely begins inside electronic systems.
Can I dispute EvaBank 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 EvaBank 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 EvaBank reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Pull your own statements and check the EvaBank entry field by field. One documented error beats a broad removal request every time.
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 EvaBank; 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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