O'Bannon Banking Company on Your Credit Report
In short: O'Bannon Banking Company operates out of Buffalo, Missouri as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 8295 dates to November 20, 1905 — a charter older than the FDIC itself. Call-report figures for 06/30/2026 list $333 million in assets spread over 5 FDIC-reported offices. Because O'Bannon Banking Company originates these accounts rather than buying them, it is the furnisher of record — you can dispute through §623 directly or §611 via the 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 O'Bannon Banking actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
O'Bannon Banking Company carries FDIC certificate 8295, operates 5 FDIC-reported offices and reported $333 million in assets on its most recent call report in Buffalo, Missouri.
How O'Bannon Banking appears on your credit report
This tradeline is furnished by O'Bannon Banking Company itself, not purchased from another lender, which means the source documents are held in-house. O'Bannon Banking is Missouri-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Send it in writing, identify precisely which field is wrong, and run the §611 bureau dispute in parallel. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer installment and personal lending across its 5 Missouri offices
- ◆Residential mortgage and home-equity lending in and around Buffalo
- ◆Agricultural and small-business operating credit reported to the bureaus
Grounds to dispute an O'Bannon Banking entry
Each of these is a reason an O'Bannon Banking tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Buffalo posted after the due date and reported 30 days late
- ◆Account still showing a balance after O'Bannon Banking processed the final payment
- ◆Duplicate O'Bannon Banking tradeline created when the loan was renumbered internally
- ◆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
O'Bannon Banking Company 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, O'Bannon Banking Company 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 O'Bannon Banking Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
O'Bannon Banking Company questions, answered
What is the FDIC certificate number for O'Bannon Banking Company?
Yes — deposits are FDIC-insured under certificate 8295. The FDIC record lists O'Bannon Banking Company 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 Buffalo, MO, chartered November 20, 1905, holding $333 million across 5 offices at the 06/30/2026 call report.
My dispute with O'Bannon Banking Company failed — who do I complain to?
O'Bannon Banking Company answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The O'Bannon Banking head office in Buffalo is the right address for the written record.
Does the CFPB complaint database list O'Bannon Banking Company?
We do not publish a figure for O'Bannon Banking Company. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
How long can an O'Bannon Banking Company charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the O'Bannon Banking Company account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with O'Bannon Banking Company and disputing with a collector?
The distinction matters because of who holds the evidence. O'Bannon Banking Company originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with O'Bannon Banking reaches the records themselves.
Will an O'Bannon Banking Company account show on all three reports?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and O'Bannon Banking, with 5 offices around Buffalo, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
O'Bannon Banking Company changed names or was acquired — why does my report show two accounts?
Duplicates of this kind usually trace to a data migration. With a charter running back to 1905, O'Bannon Banking has likely changed core processors at least once, and old and new records can both survive. A predecessor name is acceptable; two live balances for one debt is not — dispute it and cite both entries.
Can I dispute an O'Bannon Banking Company account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to O'Bannon Banking are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Does it matter that O'Bannon Banking Company is based in Buffalo?
O'Bannon Banking Company is headquartered in Buffalo, Missouri, with 5 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically 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 O'Bannon Banking Company; 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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