Southern Hills Community Bank on Your Credit Report
In short: Headquartered in Leesburg, Ohio, Southern Hills Community Bank is a state-chartered savings bank supervised by the FDIC and its state regulator. The charter behind FDIC certificate 29749 dates to January 1, 1884. At the 06/30/2026 reporting date the bank showed $210 million in total assets and 8 FDIC-reported offices. Southern Hills Community Bank 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 available 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 Southern Hills Community Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Southern Hills Community Bank appears in FDIC BankFind as certificate 29749, headquartered Leesburg, Ohio, chartered January 1, 1884, with 8 FDIC-reported offices and $210 million in assets.
How Southern Hills Community Bank appears on your credit report
Because Southern Hills Community Bank 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 Southern Hills Community Bank therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in Ohio, 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
- ◆Personal and signature loans booked through Southern Hills Community Bank branch staff in Ohio
- ◆First-lien residential mortgages and refinances written around Leesburg
- ◆Small-business and agricultural credit carried on the Southern Hills Community Bank balance sheet
Grounds to dispute a Southern Hills Community Bank entry
Each of these is a reason a Southern Hills Community Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Leesburg posted after the due date and reported 30 days late
- ◆Balance not updated to zero after Southern Hills Community Bank completed the payoff
- ◆Duplicate Southern Hills Community Bank tradeline created when the loan was renumbered internally
- ◆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
Southern Hills Community 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, Southern Hills Community 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 Southern Hills Community Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Southern Hills Community Bank questions, answered
Is Southern Hills Community Bank FDIC-insured, and under what certificate?
Yes — Southern Hills Community Bank appears in FDIC BankFind under certificate 29749. The record shows a state-chartered savings bank supervised by the FDIC and its state regulator based in Leesburg, OH, with a charter dated January 1, 1884, $210 million in assets and 8 offices at the 06/30/2026 call report.
Which regulator oversees Southern Hills Community Bank?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Southern Hills Community Bank 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 Southern Hills Community Bank head office in Leesburg, Ohio.
How many credit-card complaints does the CFPB show against Southern Hills Community Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Southern Hills Community 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 Southern Hills Community Bank charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Southern Hills Community Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with Southern Hills Community Bank and disputing with a collector?
Go to whoever holds the documents. Southern Hills Community Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Southern Hills Community Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Southern Hills Community Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Southern Hills Community Bank — 8 offices in Ohio — 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 Southern Hills Community Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Southern Hills Community Bank has operated since 1884, 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 Southern Hills Community Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Southern Hills Community Bank 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 Southern Hills Community Bank headquartered, and does that affect my dispute?
Southern Hills Community Bank is headquartered in Leesburg, Ohio, 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 Southern Hills Community 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.