The Bank of Romney on Your Credit Report
In short: Headquartered in Romney, West Virginia, The Bank of Romney is a state-chartered commercial bank that is a member of the Federal Reserve System. FDIC certificate 845 records the charter as established January 1, 1888. That makes it a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts. The 06/30/2026 call report shows $369 million in total assets across 7 FDIC-reported offices. The Bank of Romney 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 Bank of Romney actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Bank of Romney appears in FDIC records as certificate 845 — $369 million in total assets, 7 offices, headquartered in Romney, West Virginia, on a charter 138 years old as of 2026.
How Bank of Romney appears on your credit report
The Bank of Romney is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Mortgage and home-equity credit originated in the Romney area
- ◆Consumer accounts originated across its 7 West Virginia offices
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute a Bank of Romney entry
Each of these is a reason a Bank of Romney tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆Account settled with Bank of Romney still reporting the original charged-off balance
- ◆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 Bank of Romney 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 Bank of Romney 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 Bank of Romney a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Bank of Romney questions, answered
Is The Bank of Romney FDIC-insured, and what is its certificate number?
Yes. The Bank of Romney carries FDIC certificate 845. The FDIC describes it as a state-chartered commercial bank that is a member of the Federal Reserve System based in Romney, WV, established January 1, 1888, reporting $369 million in total assets and 7 offices as of 06/30/2026.
Who regulates The Bank of Romney, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, The Bank of Romney answers primarily to the Federal Reserve and its state banking regulator, with the FDIC as deposit insurer. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against The Bank of Romney?
None is listed. The Bank of Romney did not match any company key in the CFPB credit-card complaint dataset on an exact-name basis, and we decline to estimate from a loose match. You can search the public database yourself at consumerfinance.gov.
How long can a Bank of Romney charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Bank of Romney account. That anchor date does not reset when the balance is charged off, sold, or transferred. A tradeline whose delinquency date drifts later has been re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with The Bank of Romney and disputing with a collector?
The Bank of Romney is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to Bank of Romney reaches the source documents instead.
Does The Bank of Romney report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With Bank of Romney, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
The Bank of Romney was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Bank of Romney migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case the charter is a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts.
Can I dispute The Bank of Romney 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 Bank of Romney 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 The Bank of Romney reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Match the Bank of Romney entry to your statements before writing. A specific, documented inaccuracy moves an investigation that a blanket request will not.
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 Bank of Romney; 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.