The First National Bank of Bellevue on Your Credit Report
In short: The First National Bank of Bellevue is a nationally chartered commercial bank, headquartered in Bellevue, Ohio. The FDIC lists it under certificate 6528, established September 15, 1875. The nineteenth-century charter date matters here only because a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. As of the 06/30/2026 call report, The First National Bank of Bellevue held $310 million in assets and operated 9 FDIC-reported offices. Lending from its own balance sheet makes The First National Bank of Bellevue the furnisher of record rather than an assignee, so your FCRA §623 dispute reaches the institution that actually holds the account documents. 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 National Bank of Bellevue actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The First National Bank of Bellevue holds FDIC certificate 6528, chartered September 15, 1875 in Bellevue, Ohio (151 years old), and reported $310 million in total assets across 9 offices on the 06/30/2026 call report.
How The First National Bank of Bellevue appears on your credit report
The First National Bank of Bellevue furnishes its own tradelines as the original creditor, which matters for how you write. At $310 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Ohio offices
- ◆First-lien mortgages and home-equity lines on Ohio property
- ◆Small-business and consumer accounts carried on the First National Bank of Bellevue balance sheet
Grounds to dispute a The First National Bank of Bellevue entry
Each of these is a reason a The First National Bank of Bellevue tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Ohio mortgage paid at closing but still showing a balance with The First National Bank of Bellevue
- ◆Paid-in-full installment loan still showing a First National Bank of Bellevue charge-off status
- ◆Duplicate First National Bank of Bellevue tradeline created when the account migrated between core systems
- ◆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 National Bank of Bellevue 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 National Bank of Bellevue 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 National Bank of Bellevue 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 National Bank of Bellevue questions, answered
Is The First National Bank of Bellevue FDIC-insured, and what is its certificate number?
The First National Bank of Bellevue is FDIC-insured under certificate number 6528. Per the FDIC, the charter dates to September 15, 1875, the head office is in Bellevue, OH, and the 06/30/2026 call report shows $310 million in total assets over 9 FDIC-reported offices. Oversight runs through the Office of the Comptroller of the Currency (OCC).
Who regulates The First National Bank of Bellevue, and where do I escalate if a dispute fails?
As a nationally chartered commercial bank, The First National Bank of Bellevue answers primarily to the Office of the Comptroller of the Currency (OCC). 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 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against The First National Bank of Bellevue?
We do not carry a complaint count for The First National Bank of Bellevue. The CFPB credit-card dataset is keyed to company names that did not resolve unambiguously to this 9-office institution, and publishing a loose match would misattribute another company's record. Absence of a figure here is not a claim that there are no complaints — search consumerfinance.gov directly.
How long can a First National Bank of Bellevue charge-off stay on my credit report?
A charged-off The First National Bank of Bellevue account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date The First National Bank of Bellevue charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with The First National Bank of Bellevue and disputing with a collector?
The First National Bank of Bellevue is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to The First National Bank of Bellevue reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does The First National Bank of Bellevue report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on The First National Bank of Bellevue's own arrangements. A lender with 9 offices and $310 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a First National Bank of Bellevue account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
The First National Bank of Bellevue was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten, a First National Bank of Bellevue account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute The First National Bank of Bellevue reporting myself, without paying anyone?
Entirely. Nothing about disputing The First National Bank of Bellevue reporting requires a paid service. Put the inaccurate field in writing to the bank, send a matching dispute to each bureau, and retain copies. Anyone promising you a specific point increase or a removal timeline is describing something they cannot control.
What should I check first on The First National Bank of Bellevue 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. Given that a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten, pull your own statements and check the First National Bank of Bellevue entry field by field. One documented error beats a broad removal request every time.
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 National Bank of Bellevue; 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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