First Port City Bank on Your Credit Report
In short: Headquartered in Bainbridge, Georgia, First Port City Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System. Under FDIC certificate 21784, the charter was established October 7, 1974, making it a late-twentieth-century charter, so its reporting history largely begins inside electronic systems. The 06/30/2026 call report shows $624 million in total assets across 7 FDIC-reported offices. First Port City 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 First Port City Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Port City Bank operates 7 FDIC-reported offices out of Bainbridge, Georgia, under certificate 21784, and the 06/30/2026 call report puts its total assets at $624 million on a charter dating to October 7, 1974.
How First Port City Bank appears on your credit report
First Port City Bank is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. 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
- ◆Mortgage and home-equity credit originated in the Bainbridge area
- ◆Consumer accounts originated across its 7 Georgia offices
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute a First Port City Bank entry
Each of these is a reason a First Port City Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆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
- ◆Mortgage payoff recorded by the title company but not updated by First Port City Bank
- ◆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
First Port City 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, First Port City 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 First Port City Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Port City Bank questions, answered
Is First Port City Bank FDIC-insured, and what is its certificate number?
Yes. First Port City Bank carries FDIC certificate 21784. The FDIC describes it as a state-chartered commercial bank that is not a member of the Federal Reserve System based in Bainbridge, GA, established October 7, 1974, reporting $624 million in total assets and 7 offices as of 06/30/2026.
Who regulates First Port City Bank, 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, First Port City Bank answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against First Port City Bank?
None is listed. First Port City Bank did not match any company key in the CFPB credit-card complaint dataset on an exact-name basis, and we decline to estimate from a loose match. You can search the public database yourself at consumerfinance.gov.
How long can a First Port City Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the First Port City Bank 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 First Port City Bank and disputing with a collector?
First Port City 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 First Port City Bank under §623 puts the question to the party that can actually check it.
Does First Port City Bank report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With First Port City Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
First Port City Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When First Port City 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 the charter is a late-twentieth-century charter, so its reporting history largely begins inside electronic systems.
Can I dispute First Port City Bank 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. Send First Port City Bank a written dispute identifying the exact field at issue, file the same dispute with the bureaus, and retain mailing receipts. What results depends on the underlying file.
What should I check first on First Port City Bank 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. Match the First Port City Bank entry to your statements before writing. A specific, documented inaccuracy moves an investigation that a blanket request will not.
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 First Port City 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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