Kingston National Bank on Your Credit Report
In short: Kingston National Bank runs a national bank chartered by the Office of the Comptroller of the Currency out of Kingston, Ohio. The FDIC records certificate 6616 with a charter date of January 1, 1909 — an early-twentieth-century institution by the FDIC's own dating. The 06/30/2026 call report shows $586 million in total assets spread across 7 FDIC-reported offices. Because Kingston National Bank originates and keeps its own loans, it furnishes the tradeline directly — which means you can dispute with the bank under §623 and with the bureaus under §611 at the same time. 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 Kingston National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Kingston National Bank reported $586 million in total assets and 7 FDIC-reported offices on its 06/30/2026 call report, operating from Kingston, Ohio under certificate 6616 since January 1, 1909.
How Kingston National Bank appears on your credit report
Kingston National Bank furnishes as the original creditor, which gives you a different and generally stronger route than disputing a collector. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Identify the account by last four digits and open date, say precisely which field is wrong, and run the bureau dispute in parallel rather than sequentially. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and installment loans originated in-branch
- ◆Residential mortgage and home-equity lending in Ohio
- ◆Consumer accounts originated across its 7 Ohio offices
Grounds to dispute a Kingston National Bank entry
Each of these is a reason a Kingston National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Loan paid off at closing but still showing a balance with Kingston National Bank
- ◆Settled-for-less account reported by Kingston National Bank as a full charge-off
- ◆Single Kingston National Bank loan appearing twice after a systems migration
- ◆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
Kingston National 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, Kingston National 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 Kingston National Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Kingston National Bank questions, answered
Is Kingston National Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 6616. That record lists Kingston National Bank as a national bank chartered by the Office of the Comptroller of the Currency headquartered in Kingston, OH, chartered January 1, 1909, with $586 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Kingston National Bank, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, Kingston National Bank answers primarily to the Office of the Comptroller of the Currency, with the FDIC as deposit insurer. 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 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Kingston National Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Kingston National Bank 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 Kingston National Bank charge-off stay on my credit report?
Roughly seven years, counted from the date of first delinquency — the missed payment on the Kingston National Bank account that was never brought current. Charging off, selling or transferring the balance does not restart that clock, and a Kingston National Bank entry whose delinquency date moves forward has been re-aged.
What is the difference between disputing with Kingston National Bank and disputing with a collector?
It comes down to who holds the paperwork. Kingston National Bank has the signed application and the full payment ledger; an assignee typically received a summary file. A §623 dispute to Kingston National Bank therefore reaches the only party able to verify the detail from source.
Does Kingston National Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming Kingston National Bank made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
Kingston National Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Kingston National 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 from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors.
Can I dispute Kingston National Bank reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the §611 and §623 routes directly; hiring help is optional, never required. Send Kingston National Bank a letter naming the one field at issue, send the bureaus the same, and retain proof of mailing. What happens next depends on the records, and results vary.
What should I check first on Kingston National 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. Given that a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, pull your own statements and check the Kingston National Bank entry field by field. One documented error beats a broad removal request every time.
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 Kingston National 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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