Sturgis Bank & Trust Company on Your Credit Report
In short: Headquartered in Sturgis, MI, Sturgis Bank & Trust Company has operated under FDIC certificate 28593 since its charter was established in 1905. Its 06/30/2026 call report shows $1.03 billion in total assets and 17 FDIC-reported offices. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. An account reported by Sturgis Bank & Trust Company is furnished by the bank itself, so your FCRA §623 rights attach to Sturgis Bank & Trust Company directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 Sturgis Bank & Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Sturgis Bank & Trust Company appears in the FDIC's active-institution file as certificate 28593, established January 1, 1905. As of the 06/30/2026 call report it carried $1.03 billion in total assets and 17 FDIC-reported offices, an average of about $61 million per office.
How Sturgis Bank & Trust Company appears on your credit report
With $1.03 billion across 17 FDIC-reported offices, Sturgis Bank & Trust Company sits well below the national card issuers in scale. That matters for a dispute: a regional bank in Sturgis, MI is more likely to route your letter to a named person than to an automated queue, so citing the specific field in error — balance, status, date of first delinquency — usually gets further than a blanket denial of the debt.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and share-secured credit lines opened at Sturgis Bank & Trust Company
- ◆Home-equity lines and mortgage accounts serviced under the Sturgis Bank & Trust Company name
- ◆Personal installment loans originated at Sturgis Bank & Trust Company offices
Grounds to dispute a Sturgis Bank & Trust Company entry
Each of these is a reason a Sturgis Bank & Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆Automatic-payment enrolment that lapsed at Sturgis Bank & Trust Company without notice, producing a late mark
- ◆Account transferred between Sturgis Bank & Trust Company systems after a core conversion and duplicated
- ◆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
Sturgis Bank & Trust Company 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, Sturgis Bank & Trust Company 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 Sturgis Bank & Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Sturgis Bank & Trust Company questions, answered
Is Sturgis Bank & Trust Company FDIC-insured, and what is its certificate number?
Yes. Sturgis Bank & Trust Company holds FDIC certificate 28593. The FDIC record shows a charter established January 1, 1905, headquarters in Sturgis, MI, and 17 FDIC-reported offices with $1.03 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Sturgis Bank & Trust Company, and where do I escalate if a dispute fails?
Sturgis Bank & Trust Company is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the MI state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the Sturgis Bank & Trust Company charter, and why does that matter for my credit report?
Sturgis Bank & Trust Company's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1905 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask Sturgis Bank & Trust Company in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is Sturgis Bank & Trust Company, and what does that mean for disputing an account?
Sturgis Bank & Trust Company reports $1.03 billion across 17 FDIC-reported offices — roughly $61 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a Sturgis Bank & Trust Company account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with Sturgis Bank & Trust Company as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what Sturgis Bank & Trust Company can verify, and results vary from case to case.
Does MI law change anything about a Sturgis Bank & Trust Company account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. Sturgis Bank & Trust Company being headquartered in Sturgis, MI does not make MI law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a Sturgis Bank & Trust Company account stay on my credit report?
About seven years, measured from the date of first delinquency on the Sturgis Bank & Trust Company account rather than from any later event. A charge-off, a sale to a debt buyer, or a transfer of servicing does not reset that clock, and neither does a payment you make now. Pull your report, find the date of first delinquency Sturgis Bank & Trust Company furnished, and if it does not match when you actually fell behind, that discrepancy is disputable on its own.
Does Sturgis Bank & Trust Company appear in the CFPB complaint database?
We do not publish a complaint figure for Sturgis Bank & Trust Company. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 28593, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with Sturgis Bank & Trust Company and disputing with a collection agency?
Sturgis Bank & Trust Company furnishes the account itself; a collection agency only handles it after the fact. Practically, that means the FDCPA's validation right under §809 is available against the agency but not against Sturgis Bank & Trust Company, while the FCRA §623 accuracy duty applies to Sturgis Bank & Trust Company directly. If both appear on your report for the same debt, check that they are not reporting duplicate balances — one account should not show as two open obligations.
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 Sturgis Bank & Trust Company; 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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