Jonestown Bank and Trust Company, of Jonestown, Pennsylvania on Your Credit Report
In short: Headquartered in Jonestown, PA, Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has operated under FDIC certificate 10677 since its charter was established in 1873. Its 06/30/2026 call report shows $1.01 billion in total assets and 14 FDIC-reported offices. 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. Because Jonestown Bank and Trust Company, of Jonestown, Pennsylvania furnishes the tradeline itself, the FCRA §623 accuracy duty runs directly against the bank — so you can dispute with it as well as with 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 Jonestown Bank and Trust Company, of Jonestown, Pennsylvania actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has been in continuous operation for 153 years, chartered January 1, 1873 and carried on the FDIC's books as certificate 10677. Its 06/30/2026 call report shows 14 FDIC-reported offices and $1.01 billion in total assets, averaging roughly $72 million per office.
How Jonestown Bank and Trust Company, of Jonestown, Pennsylvania appears on your credit report
Because Jonestown Bank and Trust Company, of Jonestown, Pennsylvania is regional — $1.01 billion in assets, 14 FDIC-reported offices, headquartered in Jonestown, PA — its credit-reporting function is rarely a dedicated department. Disputes sent under FCRA §623 should identify the account by last four digits and open date and state precisely which field is inaccurate, because a vague dispute is far more likely to come back simply "verified".
Names it may report under
Products that commonly show up
- ◆Home-equity lines and mortgage accounts serviced under the Jonestown Bank and Trust Company, of Jonestown, Pennsylvania name
- ◆Personal installment loans originated at Jonestown Bank and Trust Company, of Jonestown, Pennsylvania offices
- ◆Agricultural and equipment loans carried on the consumer file when personally obligated
Grounds to dispute a Jonestown Bank and Trust Company, of Jonestown, Pennsylvania entry
Each of these is a reason a Jonestown Bank and Trust Company, of Jonestown, Pennsylvania tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Loan modified or deferred by Jonestown Bank and Trust Company, of Jonestown, Pennsylvania but still reporting the original delinquent status
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆Paid-off Jonestown Bank and Trust Company, of Jonestown, Pennsylvania installment loan still showing a balance after the final payment cleared
- ◆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
Jonestown Bank and Trust Company, of Jonestown, 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, Jonestown Bank and Trust Company, of Jonestown, 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 Jonestown Bank and Trust Company, of Jonestown, Pennsylvania a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania questions, answered
Is Jonestown Bank and Trust Company, of Jonestown, Pennsylvania FDIC-insured, and what is its certificate number?
Yes. Jonestown Bank and Trust Company, of Jonestown, Pennsylvania holds FDIC certificate 10677. The FDIC record shows a charter established January 1, 1873, headquarters in Jonestown, PA, and 14 FDIC-reported offices with $1.01 billion 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 Jonestown Bank and Trust Company, of Jonestown, Pennsylvania, and where do I escalate if a dispute fails?
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania 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 comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the PA state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the Jonestown Bank and Trust Company, of Jonestown, Pennsylvania charter, and why does that matter for my credit report?
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1873 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask Jonestown Bank and Trust Company, of Jonestown, Pennsylvania in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is Jonestown Bank and Trust Company, of Jonestown, Pennsylvania, and what does that mean for disputing an account?
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania reports $1.01 billion across 14 FDIC-reported offices — roughly $72 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a Jonestown Bank and Trust Company, of Jonestown, Pennsylvania account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with Jonestown Bank and Trust Company, of Jonestown, Pennsylvania as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what Jonestown Bank and Trust Company, of Jonestown, Pennsylvania can verify, and results vary from case to case.
Does PA law change anything about a Jonestown Bank and Trust Company, of Jonestown, Pennsylvania account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. Jonestown Bank and Trust Company, of Jonestown, Pennsylvania being headquartered in Jonestown, PA does not make PA law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a Jonestown Bank and Trust Company, of Jonestown, Pennsylvania account stay on my credit report?
Seven years from the date of first delinquency is the general rule for a Jonestown Bank and Trust Company, of Jonestown, Pennsylvania tradeline. The date that matters is when the account first went delinquent and stayed that way — not when Jonestown Bank and Trust Company, of Jonestown, Pennsylvania charged it off or when it was last reported. If the account has been re-aged so that it will report longer than it should, the wrong date is an FCRA inaccuracy in its own right and can be disputed separately from the debt.
Does Jonestown Bank and Trust Company, of Jonestown, Pennsylvania appear in the CFPB complaint database?
We do not publish a complaint figure for Jonestown Bank and Trust Company, of Jonestown, Pennsylvania. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 10677, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with Jonestown Bank and Trust Company, of Jonestown, Pennsylvania and disputing with a collection agency?
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania furnishes the account itself; a collection agency only handles it after the fact. Practically, that means the FDCPA's validation right under §809 is available against the agency but not against Jonestown Bank and Trust Company, of Jonestown, Pennsylvania, while the FCRA §623 accuracy duty applies to Jonestown Bank and Trust Company, of Jonestown, Pennsylvania directly. If both appear on your report for the same debt, check that they are not reporting duplicate balances — one account should not show as two open obligations.
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 Jonestown Bank and Trust Company, of Jonestown, 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.