Hamlin Bank and Trust Company on Your Credit Report
In short: Headquartered in Smethport, PA, Hamlin Bank and Trust Company has operated since 1863 as a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC lists it under certificate 11113 with $503 million in total assets spread across 10 reported offices as of 06/30/2026. Because Hamlin Bank and Trust Company lends directly rather than servicing another lender's paper, it is the furnisher of record on its own tradelines — which is what gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three 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 Hamlin Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Hamlin Bank and Trust Company is a 163-year-old PA institution chartered December 31, 1863, operating 10 FDIC-reported offices with $503 million in total assets as of the 06/30/2026 call report, under FDIC certificate 11113.
How Hamlin Bank and Trust Company appears on your credit report
Hamlin Bank and Trust Company is a regional lender headquartered in Smethport, PA, with 10 FDIC-reported offices and $503 million in assets, on a charter 163 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Deposit-secured personal lines of credit
- ◆Home-equity lines of credit secured by the borrower’s residence
Grounds to dispute a Hamlin Bank and Trust Company entry
Each of these is a reason a Hamlin Bank and Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Charge-off reported by Hamlin Bank and Trust Company after the account was settled in full
- ◆Loan modified or deferred by Hamlin Bank and Trust Company but still reporting the original delinquent status
- ◆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
Hamlin Bank and Trust Company 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, Hamlin Bank and Trust Company 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 Hamlin Bank and Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Hamlin Bank and Trust Company questions, answered
Is Hamlin Bank and Trust Company FDIC-insured, and what is its certificate number?
Yes. Hamlin Bank and Trust Company holds FDIC certificate 11113. The FDIC record shows a charter established December 31, 1863, headquarters in Smethport, PA, and 10 FDIC-reported offices with $503 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Hamlin Bank and Trust Company, and where do I escalate if a dispute fails?
Hamlin Bank and Trust Company is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Hamlin Bank and Trust Company?
None that can be attributed with confidence. Hamlin Bank and Trust Company does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 10-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Hamlin Bank and Trust Company would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Hamlin Bank and Trust Company charge-off stay on my credit report?
A charged-off Hamlin Bank and Trust Company 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 Hamlin Bank and Trust Company 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 Hamlin Bank and Trust Company and disputing with a collector?
A collector's tradeline is secondary — it restates information supplied to it. Hamlin Bank and Trust Company is the source. When you dispute with Hamlin Bank and Trust Company under §623, the investigation runs against the bank's own ledger rather than a purchased summary, so the two routes can produce different outcomes on the same debt.
Does Hamlin Bank and Trust Company report to all three credit bureaus?
That depends on the bank's own furnishing arrangements. Reporting is voluntary under the FCRA, and a bank the size of Hamlin Bank and Trust Company — 10 offices, $503 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Hamlin Bank and Trust Company account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
Hamlin Bank and Trust Company was acquired or changed names — why does my report show two accounts?
Charter consolidations are common in this part of the industry. A converted Hamlin Bank and Trust Company account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1863, core-system conversions are the usual cause.
Can I dispute Hamlin Bank and Trust Company reporting myself, without paying anyone?
Yes, and at no cost. You can write Hamlin Bank and Trust Company directly as the furnisher, or file through the three bureaus, or both. Outcomes depend entirely on what the Smethport bank's records show, so be wary of anyone promising a result in advance — results vary and no outcome is assured.
What should I check first on Hamlin Bank and Trust Company reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 163-year-old lender like Hamlin Bank and Trust Company, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Hamlin Bank and Trust Company; 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.