Passumpsic Savings Bank on Your Credit Report
In short: Operating 13 FDIC-reported offices from a head office in Saint Johnsbury, Vermont, Passumpsic Savings Bank is a state-chartered savings institution supervised by the FDIC and its state regulator under FDIC certificate 14134. The charter dates to February 24, 1853 and the most recent call report, dated 06/30/2026, shows $934 million in total assets. As an original creditor, Passumpsic Savings Bank is the furnisher on its own tradelines, not an assignee of someone else's. 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 Passumpsic Savings Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Passumpsic Savings Bank is recorded by the FDIC under certificate 14134 as a state-chartered savings institution supervised by the FDIC and its state regulator, with 13 offices in Vermont and $934 million in assets at the 06/30/2026 call report.
How Passumpsic Savings Bank appears on your credit report
Passumpsic Savings Bank is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Passumpsic Savings Bank, and file the §611 dispute in parallel. the Passumpsic Savings Bank reviews these internally from Saint Johnsbury, Vermont. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by Passumpsic Savings Bank in Vermont
- ◆Home-improvement and second-lien lending booked near Saint Johnsbury
- ◆Commercial and owner-occupied real-estate credit held by Passumpsic Savings Bank
Grounds to dispute a Passumpsic Savings Bank entry
Each of these is a reason a Passumpsic Savings Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with Passumpsic Savings Bank not reflected in the monthly status
- ◆Passumpsic Savings Bank account reported in the name of a co-signer who never signed
- ◆Charge-off reported by Passumpsic Savings Bank without the underlying itemization on file
- ◆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
Passumpsic Savings 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, Passumpsic Savings 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 Passumpsic Savings Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Passumpsic Savings Bank questions, answered
Does the FDIC insure deposits at Passumpsic Savings Bank?
Yes — Passumpsic Savings Bank appears in FDIC BankFind under certificate 14134. The record shows a state-chartered savings institution supervised by the FDIC and its state regulator based in Saint Johnsbury, VT, with a charter dated February 24, 1853, $934 million in assets and 13 offices at the 06/30/2026 call report.
Who supervises Passumpsic Savings Bank if a dispute goes nowhere?
Passumpsic Savings Bank 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 Passumpsic Savings Bank head office in Saint Johnsbury is the right address for the written record.
How many credit-card complaints does the CFPB show against Passumpsic Savings Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Passumpsic Savings 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 Passumpsic Savings Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Passumpsic Savings Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Passumpsic Savings Bank and disputing with a collector?
The records live in different places. As the original creditor, Passumpsic Savings Bank holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Passumpsic Savings Bank therefore lands where the evidence actually is.
Does Passumpsic Savings Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Passumpsic Savings Bank — 13 offices in Vermont — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Passumpsic Savings Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Passumpsic Savings Bank has operated since 1853, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute a Passumpsic Savings Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Passumpsic Savings Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Passumpsic Savings Bank headquartered, and does that affect my dispute?
Passumpsic Savings Bank is headquartered in Saint Johnsbury, Vermont, with 13 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 Passumpsic Savings 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.