Pineland Bank on Your Credit Report
In short: Pineland Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Alma, Georgia. Its FDIC record is certificate 15699, with a charter date of October 1, 1939. The mid-century charter date matters here only because a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate. Its 06/30/2026 call report shows $597 million in total assets across 9 reported offices. Since the loans are originated and held by Pineland Bank itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each 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 Pineland Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Pineland Bank holds FDIC certificate 15699, chartered October 1, 1939 in Alma, Georgia (87 years old), and reported $597 million in total assets across 9 offices on the 06/30/2026 call report.
How Pineland Bank appears on your credit report
Pineland Bank furnishes its own tradelines as the original creditor, which matters for how you write. At $597 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Pin the account down by last four digits and open date, state precisely which field is inaccurate, and mirror the dispute to all three bureaus so the §611 and §623 tracks proceed together. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Georgia offices
- ◆First-lien mortgages and home-equity lines on Georgia property
- ◆Overdraft lines and deposit-linked credit tied to Pineland Bank checking accounts
Grounds to dispute a Pineland Bank entry
Each of these is a reason a Pineland Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Georgia home-equity line closed at refinance yet still reporting open with Pineland Bank
- ◆Charge-off reported by Pineland Bank after the account was settled in full
- ◆Duplicate Pineland Bank tradeline created when the account migrated between core systems
- ◆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
Pineland 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, Pineland 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 Pineland Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Pineland Bank questions, answered
Is Pineland Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 15699. That record lists Pineland Bank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Alma, GA, chartered October 1, 1939, with $597 million in assets across 9 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Pineland Bank, and where do I escalate if a dispute fails?
Supervision of Pineland Bank sits with the FDIC and its state banking regulator. If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against Pineland Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Pineland 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 Pineland Bank charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For Pineland Bank, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with Pineland Bank and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Pineland Bank's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Pineland Bank tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Pineland Bank report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding Pineland Bank has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
Pineland Bank was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate, a Pineland Bank account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute Pineland Bank reporting myself, without paying anyone?
Entirely. Nothing about disputing Pineland Bank reporting requires a paid service. Put the inaccurate field in writing to the bank, send a matching dispute to each bureau, and retain copies. Anyone promising you a specific point increase or a removal timeline is describing something they cannot control.
What should I check first on Pineland 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 a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate, pull your own statements and check the Pineland 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 Pineland 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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