SJN Bank of Kansas on Your Credit Report
In short: SJN Bank of Kansas is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, operating from Saint John, Kansas. FDIC records place the charter's origin at January 1, 1905 and assign it certificate 4766. The 06/30/2026 call report lists $303 million in assets across 8 FDIC-reported offices. Because SJN Bank of Kansas originates its own paper rather than buying it, the documentation behind any tradeline sits with the bank — which is what makes a §623 direct dispute worth filing here. 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 SJN Bank of Kansas actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
SJN Bank of Kansas appears in FDIC BankFind as certificate 4766, headquartered Saint John, Kansas, chartered January 1, 1905, with 8 FDIC-reported offices and $303 million in assets.
How SJN Bank of Kansas appears on your credit report
Because SJN Bank of Kansas originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to SJN Bank of Kansas therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in Kansas, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at the 8 Kansas banking offices of SJN Bank of Kansas
- ◆Home-equity lines and residential mortgages originated near Saint John
- ◆Vehicle and equipment paper financed directly through SJN Bank of Kansas
Grounds to dispute a SJN Bank of Kansas entry
Each of these is a reason a SJN Bank of Kansas 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 Saint John office credited to the wrong SJN Bank of Kansas account number
- ◆Account still reporting open after SJN Bank of Kansas closed it at your request
- ◆First-delinquency date shifted forward on a later SJN Bank of Kansas 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
SJN Bank of Kansas 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, SJN Bank of Kansas 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 SJN Bank of Kansas a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
SJN Bank of Kansas questions, answered
Is SJN Bank of Kansas FDIC-insured, and under what certificate?
It is insured, and certificate 4766 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Saint John, KS, chartered January 1, 1905, reporting $303 million and 8 offices as of 06/30/2026.
Who supervises SJN Bank of Kansas 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 SJN Bank of Kansas 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 SJN Bank of Kansas head office in Saint John, Kansas.
How many credit-card complaints does the CFPB show against SJN Bank of Kansas?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched SJN Bank of Kansas 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 an SJN Bank of Kansas 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 SJN Bank of Kansas 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 SJN Bank of Kansas and disputing with a collector?
The records live in different places. As the original creditor, SJN Bank of Kansas 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 SJN Bank of Kansas therefore lands where the evidence actually is.
Does SJN Bank of Kansas report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so SJN Bank of Kansas — 8 offices in Kansas — 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 SJN Bank of Kansas tradelines — is that allowed?
One account showing twice is a classic conversion artifact. SJN Bank of Kansas has operated since 1905, 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 an SJN Bank of Kansas account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to SJN Bank of Kansas 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 SJN Bank of Kansas headquartered, and does that affect my dispute?
SJN Bank of Kansas is headquartered in Saint John, Kansas, 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 SJN Bank of Kansas; 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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