Rollstone Bank & Trust on Your Credit Report
In short: Operating 8 FDIC-reported offices from a head office in Fitchburg, Massachusetts, Rollstone Bank & Trust is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator under FDIC certificate 17797. The charter dates to February 12, 1846 and the most recent call report, dated 06/30/2026, shows $816 million in total assets. As an original creditor, Rollstone Bank & Trust 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 Rollstone Bank & Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Rollstone Bank & Trust appears in FDIC BankFind as certificate 17797, headquartered Fitchburg, Massachusetts, chartered February 12, 1846, with 8 FDIC-reported offices and $816 million in assets.
How Rollstone Bank & Trust appears on your credit report
Rollstone Bank & Trust 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 Rollstone Bank & Trust, and file the §611 dispute in parallel. the Rollstone Bank & Trust reviews these internally from Fitchburg, Massachusetts. 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 Rollstone Bank & Trust in Massachusetts
- ◆Home-improvement and second-lien lending booked near Fitchburg
- ◆Commercial and owner-occupied real-estate credit held by Rollstone Bank & Trust
Grounds to dispute a Rollstone Bank & Trust entry
Each of these is a reason a Rollstone Bank & Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Fitchburg office credited to the wrong Rollstone Bank & Trust account number
- ◆Account still reporting open after Rollstone Bank & Trust closed it at your request
- ◆First-delinquency date shifted forward on a later Rollstone Bank & Trust pull
- ◆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
Rollstone Bank & 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, Rollstone Bank & 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 Rollstone Bank & Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Rollstone Bank & Trust questions, answered
Is Rollstone Bank & Trust FDIC-insured, and under what certificate?
Yes — Rollstone Bank & Trust appears in FDIC BankFind under certificate 17797. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Fitchburg, MA, with a charter dated February 12, 1846, $816 million in assets and 8 offices at the 06/30/2026 call report.
Who supervises Rollstone Bank & Trust if a dispute goes nowhere?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Rollstone Bank & Trust come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Rollstone Bank & Trust head office in Fitchburg, Massachusetts.
How many credit-card complaints does the CFPB show against Rollstone Bank & Trust?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Rollstone Bank & 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 Rollstone Bank & Trust 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 Rollstone Bank & Trust 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 Rollstone Bank & Trust and disputing with a collector?
Go to whoever holds the documents. Rollstone Bank & Trust has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Rollstone Bank & Trust tends to produce a substantive answer rather than a rubber-stamp verification.
Does Rollstone Bank & Trust report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Rollstone Bank & Trust — 8 offices in Massachusetts — 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 Rollstone Bank & Trust tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Rollstone Bank & Trust has operated since 1846, 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 Rollstone Bank & Trust account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Rollstone Bank & Trust 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 Rollstone Bank & Trust headquartered, and does that affect my dispute?
Rollstone Bank & Trust is headquartered in Fitchburg, Massachusetts, with 8 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 Rollstone Bank & 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.