Lumbee Guaranty Bank on Your Credit Report
In short: Lumbee Guaranty Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Pembroke, NC on a charter established in 1971. FDIC certificate 20568 records 14 FDIC-reported offices and $583 million in total assets on the 06/30/2026 call report. When Lumbee Guaranty Bank reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a bureau. 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 Lumbee Guaranty Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Lumbee Guaranty Bank was chartered December 22, 1971 and is insured under FDIC certificate 20568. It reported $583 million in total assets and 14 FDIC-reported offices on its 06/30/2026 call report — about $42 million per reported office across its NC footprint.
How Lumbee Guaranty Bank appears on your credit report
Lumbee Guaranty Bank is a community-scale lender headquartered in Pembroke, NC, with 14 FDIC-reported offices and $583 million in assets, on a charter 55 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
- ◆Home-equity lines and mortgage accounts serviced under the Lumbee Guaranty Bank name
- ◆Personal installment loans originated at Lumbee Guaranty Bank offices
- ◆Agricultural and equipment loans carried on the consumer file when personally obligated
Grounds to dispute a Lumbee Guaranty Bank entry
Each of these is a reason a Lumbee Guaranty Bank 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 Lumbee Guaranty Bank but still reporting the original delinquent status
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆Paid-off Lumbee Guaranty Bank 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
Lumbee Guaranty 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, Lumbee Guaranty 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 Lumbee Guaranty Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Lumbee Guaranty Bank questions, answered
Is Lumbee Guaranty Bank FDIC-insured, and what is its certificate number?
Yes. Lumbee Guaranty Bank holds FDIC certificate 20568. The FDIC record shows a charter established December 22, 1971, headquarters in Pembroke, NC, and 14 FDIC-reported offices with $583 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 Lumbee Guaranty Bank, and where do I escalate if a dispute fails?
Lumbee Guaranty Bank 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 NC 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 Lumbee Guaranty Bank charter, and why does that matter for my credit report?
Lumbee Guaranty Bank's charter dates to December 22, 1971, making it 55 years old — modern enough that the FCRA already governed consumer reporting when it opened, but old enough to have been through at least one core-system migration. Those migrations are a common source of duplicated or re-dated tradelines, so if you see two entries for one Lumbee Guaranty Bank account, dispute the duplicate specifically rather than the balance.
How big is Lumbee Guaranty Bank, and what does that mean for disputing an account?
Lumbee Guaranty Bank reports $583 million across 14 FDIC-reported offices — roughly $42 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 Lumbee Guaranty Bank 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 Lumbee Guaranty Bank 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 Lumbee Guaranty Bank can verify, and results vary from case to case.
Does NC law change anything about a Lumbee Guaranty Bank 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. Lumbee Guaranty Bank being headquartered in Pembroke, NC does not make NC 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 Lumbee Guaranty Bank account stay on my credit report?
About seven years, measured from the date of first delinquency on the Lumbee Guaranty Bank account rather than from any later event. A charge-off, a sale to a debt buyer, or a transfer of servicing does not reset that clock, and neither does a payment you make now. Pull your report, find the date of first delinquency Lumbee Guaranty Bank furnished, and if it does not match when you actually fell behind, that discrepancy is disputable on its own.
Does Lumbee Guaranty Bank appear in the CFPB complaint database?
We do not publish a complaint figure for Lumbee Guaranty Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 20568, 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 Lumbee Guaranty Bank and disputing with a collection agency?
An original creditor like Lumbee Guaranty Bank and a collection agency are governed by different laws, and sending the wrong letter costs you time. Lumbee Guaranty Bank is the furnisher, so FCRA §623 accuracy is the lever. A collector is an FDCPA entity, and §809 gives you 30 days from its first contact to demand validation of the debt. Confirm from the report itself which one is furnishing the tradeline you want corrected before drafting anything.
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 Lumbee Guaranty 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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