Hometown Bank of Pennsylvania on Your Credit Report
In short: Hometown Bank of Pennsylvania is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Bedford, Pennsylvania. The charter behind FDIC certificate 58470 dates to April 9, 2007 — a modern charter that has furnished electronically for its whole life. As of the 06/30/2026 call report, Hometown Bank of Pennsylvania held $454 million in assets and operated 7 FDIC-reported offices. Hometown Bank of Pennsylvania 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 Hometown Bank of Pennsylvania actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Hometown Bank of Pennsylvania holds FDIC certificate 58470 and reported $454 million in assets across 7 FDIC-reported offices from its Bedford, Pennsylvania headquarters.
How Hometown Bank of Pennsylvania appears on your credit report
Hometown Bank of Pennsylvania is the furnisher here, not an assignee, which matters: an assignee usually receives a data file while the originator keeps the paperwork. Chartered in Pennsylvania and operating 7 offices, Hometown Bank of Pennsylvania handles disputes against its own records. Put the dispute in writing, cite the specific field, and run the §611 bureau route alongside it. No outcome is promised — it depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer and installment accounts originated across its 7 Pennsylvania offices
- ◆Real-estate secured credit originated around Bedford
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute a Hometown Bank of Pennsylvania entry
Each of these is a reason a Hometown Bank of Pennsylvania tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment posted the next business day and flagged delinquent
- ◆Balance still reporting once Hometown Bank of Pennsylvania had applied the payoff
- ◆Second tradeline appearing after Hometown Bank of Pennsylvania migrated 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
Hometown Bank of Pennsylvania 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, Hometown Bank of Pennsylvania 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 Hometown Bank of Pennsylvania a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Hometown Bank of Pennsylvania questions, answered
Is Hometown Bank of Pennsylvania FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 58470. That record lists Hometown Bank of Pennsylvania as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Bedford, PA, chartered April 9, 2007, with $454 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Hometown Bank of Pennsylvania, and where do I escalate if a dispute fails?
As a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, Hometown Bank of Pennsylvania answers primarily to that regulator. Where a §611 and a §623 dispute both come back verified against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against Hometown Bank of Pennsylvania?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Hometown Bank of Pennsylvania 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 Hometown Bank of Pennsylvania charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Hometown Bank of Pennsylvania account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with Hometown Bank of Pennsylvania and disputing with a collector?
Hometown Bank of Pennsylvania 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 Hometown Bank of Pennsylvania under §623 puts the question to the party that can actually check it.
Does Hometown Bank of Pennsylvania 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 Hometown Bank of Pennsylvania, differing balances tend to be timing; differing status or first-delinquency dates are what deserve a dispute.
Hometown Bank of Pennsylvania was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. Hometown Bank of Pennsylvania has operated since 2007, and charters that old have usually been through at least one core-system migration. One 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 Hometown Bank of Pennsylvania account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Hometown Bank of Pennsylvania are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise a specific result. What is accurate and still reportable will remain.
Where is Hometown Bank of Pennsylvania headquartered, and does that affect my dispute?
Hometown Bank of Pennsylvania is headquartered in Bedford, Pennsylvania, with 7 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies the same way 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 Hometown Bank of Pennsylvania; 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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