Phoenixville Federal Bank and Trust on Your Credit Report
In short: Phoenixville Federal Bank and Trust is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Phoenixville, Pennsylvania. The charter behind FDIC certificate 29995 dates to January 1, 1911 — a twentieth-century charter old enough that early account history was kept on paper and later migrated. As of the 06/30/2026 call report, Phoenixville Federal Bank and Trust held $648 million in assets and operated 7 FDIC-reported offices. Phoenixville Federal Bank and Trust is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are open to you. 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 Phoenixville Federal Bank and Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Phoenixville Federal Bank and Trust appears in FDIC records as certificate 29995 — $648 million in total assets, 7 offices, headquartered in Phoenixville, Pennsylvania, on a charter 115 years old as of 2026.
How Phoenixville Federal Bank and Trust appears on your credit report
Phoenixville Federal Bank and Trust is the furnisher here, not an assignee, which matters: an assignee usually receives a data file while the originator keeps the paperwork. Chartered in Pennsylvania and operating 7 offices, Phoenixville Federal Bank and Trust handles disputes against its own records. Put the dispute in writing, cite the specific field, and run the §611 bureau route alongside it. No outcome is guaranteed — it depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Mortgage and home-equity credit originated in its Pennsylvania market
- ◆Vehicle and personal installment loans booked at its 7 offices
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute a Phoenixville Federal Bank and Trust entry
Each of these is a reason a Phoenixville Federal Bank and Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment posted at a Phoenixville branch on time but credited after the due date
- ◆Mortgage payoff recorded by the title company but not updated by Phoenixville Federal Bank and Trust
- ◆Duplicate tradeline created when Phoenixville Federal Bank and Trust converted its loan platform
- ◆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
Phoenixville Federal Bank and Trust 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, Phoenixville Federal Bank and Trust 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 Phoenixville Federal Bank and Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Phoenixville Federal Bank and Trust questions, answered
Is Phoenixville Federal Bank and Trust FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 29995. That record lists Phoenixville Federal Bank and Trust 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 Phoenixville, PA, chartered January 1, 1911, with $648 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Phoenixville Federal Bank and Trust, and where do I escalate if a dispute fails?
As a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, Phoenixville Federal Bank and Trust answers primarily to that regulator. Where a §611 and a §623 dispute both come back verified against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against Phoenixville Federal Bank and Trust?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Phoenixville Federal Bank and Trust 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 Phoenixville Federal Bank and Trust charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Phoenixville Federal Bank and Trust account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with Phoenixville Federal Bank and Trust and disputing with a collector?
Phoenixville Federal Bank and Trust is the original creditor and holds the underlying file — application, statements, posting history. Collectors typically receive a data file, not the original paperwork. Disputing directly with Phoenixville Federal Bank and Trust under §623 puts the question to the party that can actually check it.
Does Phoenixville Federal Bank and Trust report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With Phoenixville Federal Bank and Trust, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Phoenixville Federal Bank and Trust was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. Phoenixville Federal Bank and Trust has operated since 1911, and charters that old have usually been through at least one core-system migration. One 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 Phoenixville Federal Bank and Trust account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Phoenixville Federal Bank and Trust are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise a specific result. Anything accurate and timely stays on the report.
Where is Phoenixville Federal Bank and Trust headquartered, and does that affect my dispute?
Phoenixville Federal Bank and Trust is headquartered in Phoenixville, Pennsylvania, with 7 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies the same way 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 Phoenixville Federal Bank and Trust; 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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