Goppert State Service Bank on Your Credit Report
In short: Goppert State Service Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Garnett, Kansas. The institution carries FDIC certificate 17317 and a charter dated July 11, 1899. The nineteenth-century charter date matters here only because 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. The 06/30/2026 call report puts total assets at $345 million, spread over 9 FDIC-reported offices. Goppert State Service Bank books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through the bureaus. 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 Goppert State Service Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Goppert State Service Bank holds FDIC certificate 17317, chartered July 11, 1899 in Garnett, Kansas (127 years old), and reported $345 million in total assets across 9 offices on the 06/30/2026 call report.
How Goppert State Service Bank appears on your credit report
Goppert State Service Bank is an original creditor, not a collector, and that changes the mechanics. At $345 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Identify the account by its last four digits and open date, name the single field that is wrong, and send the same dispute to all three bureaus so both FCRA tracks run in parallel. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Kansas offices
- ◆First-lien mortgages and home-equity lines on Kansas property
- ◆Small-business and consumer accounts carried on the Goppert State Service Bank balance sheet
Grounds to dispute a Goppert State Service Bank entry
Each of these is a reason a Goppert State Service Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Kansas mortgage paid at closing but still showing a balance with Goppert State Service Bank
- ◆Paid-in-full installment loan still showing a Goppert State Service Bank charge-off status
- ◆Duplicate Goppert State Service Bank tradeline created when the account migrated between core systems
- ◆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
Goppert State Service 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, Goppert State Service 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 Goppert State Service Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Goppert State Service Bank questions, answered
Is Goppert State Service Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 17317. That record lists Goppert State Service Bank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Garnett, KS, chartered July 11, 1899, with $345 million in assets across 9 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Goppert State Service Bank, and where do I escalate if a dispute fails?
Supervision of Goppert State Service Bank sits with the FDIC 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 Goppert State Service Bank?
We do not publish a figure for Goppert State Service Bank. A 9-office small 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 Goppert State Service Bank would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Goppert State Service Bank charge-off stay on my credit report?
A charged-off Goppert State Service 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 Goppert State Service 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 Goppert State Service Bank and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Goppert State Service Bank's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Goppert State Service Bank tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Goppert State Service Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Goppert State Service Bank's own arrangements. A lender with 9 offices and $345 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Goppert State Service 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.
Goppert State Service Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Goppert State Service 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 Goppert State Service 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 Goppert State Service 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 Goppert State Service 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 Goppert State Service 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 Goppert State Service 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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