Savings Bank of Mendocino County on Your Credit Report
In short: Savings Bank of Mendocino County is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Ukiah, California. The institution carries FDIC certificate 8011 and a charter dated November 28, 1903. The pre-Federal-Reserve charter date matters here only because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Its 06/30/2026 call report shows $1.28 billion in total assets across 9 reported offices. Since the loans are originated and held by Savings Bank of Mendocino County 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 Savings Bank of Mendocino County actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Savings Bank of Mendocino County holds FDIC certificate 8011, chartered November 28, 1903 in Ukiah, California (123 years old), and reported $1.28 billion in total assets across 9 offices on the 06/30/2026 call report.
How Savings Bank of Mendocino County appears on your credit report
The distinction that matters: Savings Bank of Mendocino County is the original creditor on the account, not a third party that bought it. At $1.28 billion 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. Identify the account by its last four digits and open date, name the single field that is wrong, and send the same dispute to all three bureaus so both FCRA tracks run in parallel. 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 California offices
- ◆First-lien mortgages and home-equity lines on California property
- ◆Consumer accounts originated across its 9 California offices
Grounds to dispute a Savings Bank of Mendocino County entry
Each of these is a reason a Savings Bank of Mendocino County tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆California home-equity line closed at refinance yet still reporting open with Savings Bank of Mendocino County
- ◆Account settled with Savings Bank of Mendocino County still reporting the original charged-off balance
- ◆Duplicate Savings Bank of Mendocino County 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
Savings Bank of Mendocino County 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, Savings Bank of Mendocino County 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 Savings Bank of Mendocino County a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Savings Bank of Mendocino County questions, answered
Is Savings Bank of Mendocino County FDIC-insured, and what is its certificate number?
Savings Bank of Mendocino County is FDIC-insured under certificate number 8011. Per the FDIC, the charter dates to November 28, 1903, the head office is in Ukiah, CA, and the 06/30/2026 call report shows $1.28 billion in total assets over 9 FDIC-reported offices. Oversight runs through the FDIC and its state banking regulator.
Who regulates Savings Bank of Mendocino County, and where do I escalate if a dispute fails?
Supervision of Savings Bank of Mendocino County 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 Savings Bank of Mendocino County?
We do not carry a complaint count for Savings Bank of Mendocino County. The CFPB credit-card dataset is keyed to company names that did not resolve unambiguously to this 9-office institution, and publishing a loose match would misattribute another company's record. Absence of a figure here is not a claim that there are no complaints — search consumerfinance.gov directly.
How long can a Savings Bank of Mendocino County charge-off stay on my credit report?
A charged-off Savings Bank of Mendocino County account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Savings Bank of Mendocino County charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Savings Bank of Mendocino County and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Savings Bank of Mendocino County's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Savings Bank of Mendocino County tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Savings Bank of Mendocino County 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 Savings Bank of Mendocino County 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.
Savings Bank of Mendocino County was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Savings Bank of Mendocino County account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Identify both versions by last four digits and open date when you dispute.
Can I dispute Savings Bank of Mendocino County reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to Savings Bank of Mendocino County naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on Savings Bank of Mendocino County reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Savings Bank of Mendocino County; 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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