North State Bank on Your Credit Report
In short: North State Bank runs a state-chartered commercial bank that is a member of the Federal Reserve System out of Raleigh, North Carolina. Certificate 35519 puts the charter date at June 1, 2000, placing North State Bank in the modern cohort of surviving charters. As of the 06/30/2026 call report, North State Bank held $1.46 billion in assets and operated 7 FDIC-reported offices. Because North State 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 North State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
North State Bank holds FDIC certificate 35519, chartered June 1, 2000 in Raleigh, North Carolina (26 years old), and reported $1.46 billion in total assets across 7 offices on the 06/30/2026 call report.
How North State Bank appears on your credit report
North State Bank is an original creditor, not a collector, and that changes the mechanics. 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
- ◆Consumer loans written and serviced in-house
- ◆Mortgage and home-equity credit originated in the North Carolina footprint
- ◆Consumer accounts originated across its 7 North Carolina offices
Grounds to dispute a North State Bank entry
Each of these is a reason a North State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by North State Bank
- ◆Balance not zeroed after North State Bank accepted a settlement
- ◆Single North State 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
North State 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, North State 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 North State Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
North State Bank questions, answered
Is North State Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 35519. That record lists North State Bank as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Raleigh, NC, chartered June 1, 2000, with $1.46 billion in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates North State Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, North State Bank answers primarily to the Federal Reserve and its state banking regulator, with FDIC deposit insurance. 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 North State Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched North State 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 North State Bank charge-off stay on my credit report?
About seven years from the original date of first delinquency on the North State Bank loan. Neither a charge-off entry nor a later sale to a collector resets it. If the North State Bank tradeline shows a delinquency date later than your own records support, that is re-aging and it is disputable on its own.
What is the difference between disputing with North State Bank and disputing with a collector?
It comes down to who holds the paperwork. North State Bank has the signed application and the full payment ledger; an assignee typically received a summary file. A §623 dispute to North State Bank therefore reaches the only party able to verify the detail from source.
Does North State 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 North State Bank made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
North State Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When North State 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, this is a recent charter, so its reporting was automated from the start and a stray record is more often a matching error than a conversion artifact.
Can I dispute North State Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to North State Bank naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on North State 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 this is a recent charter, so its reporting was automated from the start and a stray record is more often a matching error than a conversion artifact, pull your own statements and check the North State 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 North State 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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