The Dime Bank on Your Credit Report
In short: Headquartered in Honesdale, Pennsylvania, The Dime Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 9888 dates to January 1, 1906. At the 06/30/2026 reporting date the bank showed $1.19 billion in total assets and 9 FDIC-reported offices. The Dime 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 The Dime Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Dime Bank holds FDIC certificate 9888 from a charter dated January 1, 1906, running 9 FDIC-reported offices out of Honesdale, Pennsylvania against $1.19 billion in reported assets.
How The Dime Bank appears on your credit report
The Dime Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With a Pennsylvania charter and 9 FDIC-reported offices, Dime Bank adjudicates these disputes internally. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans booked through Dime Bank branch staff in Pennsylvania
- ◆First-lien residential mortgages and refinances written around Honesdale
- ◆Small-business and agricultural credit carried on the Dime Bank balance sheet
Grounds to dispute The Dime Bank entry
Each of these is a reason The Dime Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Honesdale office credited to the wrong Dime Bank account number
- ◆Account still reporting open after Dime Bank closed it at your request
- ◆First-delinquency date shifted forward on a later Dime Bank pull
- ◆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 Dime 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 Dime 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 Dime 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 Dime Bank questions, answered
Is The Dime Bank FDIC-insured, and under what certificate?
Yes — The Dime Bank appears in FDIC BankFind under certificate 9888. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Honesdale, PA, with a charter dated January 1, 1906, $1.19 billion in assets and 9 offices at the 06/30/2026 call report.
Who supervises The Dime Bank if a dispute goes nowhere?
The Dime Bank answers primarily to the FDIC and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Dime Bank head office in Honesdale is the right address for the written record.
How many credit-card complaints does the CFPB show against The Dime Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Dime 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 Dime Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Dime Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with The Dime Bank and disputing with a collector?
The records live in different places. As the original creditor, Dime Bank holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Dime Bank therefore lands where the evidence actually is.
Does The Dime Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The Dime Bank — 9 offices in Pennsylvania — 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 Dime Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The Dime Bank has operated since 1906, 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 Dime Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Dime 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 Dime Bank headquartered, and does that affect my dispute?
The Dime Bank is headquartered in Honesdale, Pennsylvania, with 9 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 Dime 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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