The Apple Creek Banking Company on Your Credit Report
In short: The Apple Creek Banking Company is a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator headquartered in Apple Creek, Ohio. The charter behind FDIC certificate 737 dates to February 1, 1904 — a twentieth-century charter that spans the shift from paper ledgers to electronic furnishing. As of the 06/30/2026 call report, The Apple Creek Banking Company held $271 million in assets and operated 6 FDIC-reported offices. The Apple Creek Banking Company 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 open 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 The Apple Creek Banking Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Apple Creek Banking Company carries FDIC certificate 737, 6 FDIC-reported offices and $271 million in total assets on the 06/30/2026 call report, based in Apple Creek, Ohio.
How The Apple Creek Banking Company appears on your credit report
The Apple Creek Banking Company is the furnisher here, not an assignee, which matters: an assignee usually receives a data file while the originator keeps the paperwork. Chartered in Ohio and operating 6 offices, The Apple Creek Banking Company handles disputes against its own records. Dispute in writing, name the exact field in question, and run the §611 bureau route in parallel. No outcome is promised — it depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer and installment accounts originated across its 6 Ohio offices
- ◆Residential mortgage and home-equity lines booked in Ohio
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute The Apple Creek Banking Company entry
Each of these is a reason The Apple Creek Banking Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Counter deposit at a Apple Creek branch posted after cutoff and reported late
- ◆Account still showing a balance after The Apple Creek Banking Company processed the payoff
- ◆Two tradelines for one account following a system change at The Apple Creek Banking Company
- ◆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
The Apple Creek Banking 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, The Apple Creek Banking 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 The Apple Creek Banking Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Apple Creek Banking Company questions, answered
Is The Apple Creek Banking Company FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 737. That record lists The Apple Creek Banking Company as a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator headquartered in Apple Creek, OH, chartered February 1, 1904, with $271 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The Apple Creek Banking Company, and where do I escalate if a dispute fails?
As a state-chartered bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, The Apple Creek Banking Company answers primarily to that regulator. Where a §611 and a §623 dispute both come back verified against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against The Apple Creek Banking Company?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Apple Creek Banking Company 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 The Apple Creek Banking Company's charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on The Apple Creek Banking Company account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with The Apple Creek Banking Company and disputing with a collector?
The Apple Creek Banking Company is the original creditor and holds the underlying file — application, statements, posting history. Collectors typically receive a data file, not the original paperwork. Disputing directly with The Apple Creek Banking Company under §623 puts the question to the party that can actually check it.
Does The Apple Creek Banking Company report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With The Apple Creek Banking Company, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
The Apple Creek Banking Company was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. The Apple Creek Banking Company has operated since 1904, and charters that old have usually been through at least one core-system migration. One 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 The Apple Creek Banking Company's account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to The Apple Creek Banking Company are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise a specific result. Accurate, in-date information remains on the file.
Where is The Apple Creek Banking Company headquartered, and does that affect my dispute?
The Apple Creek Banking Company is headquartered in Apple Creek, Ohio, with 6 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies the same way 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 The Apple Creek Banking 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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