The First Citizens National Bank of Upper Sandusky on Your Credit Report
In short: Headquartered in Upper Sandusky, Ohio, The First Citizens National Bank of Upper Sandusky is a national bank chartered by the Office of the Comptroller of the Currency. The charter behind FDIC certificate 14355 dates to December 1, 1902. At the 06/30/2026 reporting date the bank showed $390 million in total assets and 8 FDIC-reported offices. The First Citizens National Bank of Upper Sandusky 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 First Citizens National Bank of Upper Sandusky actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The First Citizens National Bank of Upper Sandusky appears in FDIC BankFind as certificate 14355, headquartered Upper Sandusky, Ohio, chartered December 1, 1902, with 8 FDIC-reported offices and $390 million in assets.
How The First Citizens National Bank of Upper Sandusky appears on your credit report
The First Citizens National Bank of Upper Sandusky furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With an Ohio charter and 8 FDIC-reported offices, First Citizens National Bank of Upper Sandusky 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 First Citizens National Bank of Upper Sandusky branch staff in Ohio
- ◆First-lien residential mortgages and refinances written around Upper Sandusky
- ◆Small-business and agricultural credit carried on the First Citizens National Bank of Upper Sandusky balance sheet
Grounds to dispute The First Citizens National Bank of Upper Sandusky entry
Each of these is a reason The First Citizens National Bank of Upper Sandusky tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with First Citizens National Bank of Upper Sandusky not reflected in the monthly status
- ◆The First Citizens National Bank of Upper Sandusky account reported in the name of a co-signer who never signed
- ◆Charge-off reported by First Citizens National Bank of Upper Sandusky without the underlying itemization on file
- ◆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 First Citizens National Bank of Upper Sandusky 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 First Citizens National Bank of Upper Sandusky 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 First Citizens National Bank of Upper Sandusky a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The First Citizens National Bank of Upper Sandusky questions, answered
Is The First Citizens National Bank of Upper Sandusky FDIC-insured, and under what certificate?
Yes — The First Citizens National Bank of Upper Sandusky appears in FDIC BankFind under certificate 14355. The record shows a national bank chartered by the Office of the Comptroller of the Currency based in Upper Sandusky, OH, with a charter dated December 1, 1902, $390 million in assets and 8 offices at the 06/30/2026 call report.
Who supervises The First Citizens National Bank of Upper Sandusky if a dispute goes nowhere?
The First Citizens National Bank of Upper Sandusky answers primarily to the Office of the Comptroller of the Currency. 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 First Citizens National Bank of Upper Sandusky head office in Upper Sandusky is the right address for the written record.
How many credit-card complaints does the CFPB show against The First Citizens National Bank of Upper Sandusky?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The First Citizens National Bank of Upper Sandusky 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 First Citizens National Bank of Upper Sandusky 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 First Citizens National Bank of Upper Sandusky 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 First Citizens National Bank of Upper Sandusky and disputing with a collector?
The records live in different places. As the original creditor, First Citizens National Bank of Upper Sandusky 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 First Citizens National Bank of Upper Sandusky therefore lands where the evidence actually is.
Does The First Citizens National Bank of Upper Sandusky report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The First Citizens National Bank of Upper Sandusky — 8 offices in Ohio — 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 First Citizens National Bank of Upper Sandusky tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The First Citizens National Bank of Upper Sandusky has operated since 1902, 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 First Citizens National Bank of Upper Sandusky account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to First Citizens National Bank of Upper Sandusky 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 First Citizens National Bank of Upper Sandusky headquartered, and does that affect my dispute?
The First Citizens National Bank of Upper Sandusky is headquartered in Upper Sandusky, Ohio, 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 First Citizens National Bank of Upper Sandusky; 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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