The Campbell & Fetter Bank on Your Credit Report
In short: The Campbell & Fetter Bank 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 Kendallville, Indiana. FDIC records place the charter's origin at January 1, 1863 and assign it certificate 16757. The 06/30/2026 call report lists $355 million in assets across 8 FDIC-reported offices. Because Campbell & Fetter Bank 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 The Campbell & Fetter Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Campbell & Fetter Bank is recorded by the FDIC under certificate 16757 as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, with 8 offices in Indiana and $355 million in assets at the 06/30/2026 call report.
How The Campbell & Fetter Bank appears on your credit report
The Campbell & Fetter Bank is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Campbell & Fetter Bank, and file the §611 dispute in parallel. The Campbell & Fetter Bank reviews these internally from Kendallville, Indiana. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Deposit-linked overdraft lines attached to Campbell & Fetter Bank checking accounts
- ◆Installment loans originated across the 8 Indiana offices of Campbell & Fetter Bank
- ◆Construction and lot loans underwritten locally by Campbell & Fetter Bank in Kendallville
Grounds to dispute The Campbell & Fetter Bank entry
Each of these is a reason The Campbell & Fetter 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 Kendallville posted after the due date and reported 30 days late
- ◆Balance not updated to zero after Campbell & Fetter Bank completed the payoff
- ◆Duplicate Campbell & Fetter 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
The Campbell & Fetter 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, The Campbell & Fetter 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 The Campbell & Fetter Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Campbell & Fetter Bank questions, answered
Does the FDIC insure deposits at The Campbell & Fetter Bank?
It is insured, and certificate 16757 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 Kendallville, IN, chartered January 1, 1863, reporting $355 million and 8 offices as of 06/30/2026.
Which regulator oversees The Campbell & Fetter Bank?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Campbell & Fetter 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 Campbell & Fetter Bank head office in Kendallville, Indiana.
How many credit-card complaints does the CFPB show against The Campbell & Fetter Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Campbell & Fetter 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 Campbell & Fetter Bank charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Campbell & Fetter 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 The Campbell & Fetter Bank and disputing with a collector?
Go to whoever holds the documents. The Campbell & Fetter Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Campbell & Fetter Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does The Campbell & Fetter Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The Campbell & Fetter Bank — 8 offices in Indiana — 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 The Campbell & Fetter Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The Campbell & Fetter Bank has operated since 1863, 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 Campbell & Fetter Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Campbell & Fetter 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 The Campbell & Fetter Bank headquartered, and does that affect my dispute?
The Campbell & Fetter Bank is headquartered in Kendallville, Indiana, 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 The Campbell & Fetter 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.
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