The First National Bank of McConnelsville on Your Credit Report
In short: The First National Bank of McConnelsville is a national bank chartered and supervised by the Office of the Comptroller of the Currency headquartered in Mcconnelsville, Ohio. Certificate 6637 records the charter opening on July 1, 1863 — a nineteenth-century charter that predates the credit-reporting system entirely. As of the 06/30/2026 call report, The First National Bank of McConnelsville held $200 million in assets and operated 6 FDIC-reported offices. The First National Bank of McConnelsville 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 The First National Bank of McConnelsville actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The First National Bank of McConnelsville carries FDIC certificate 6637, 6 FDIC-reported offices and $200 million in total assets on the 06/30/2026 call report, based in Mcconnelsville, Ohio.
How The First National Bank of McConnelsville appears on your credit report
The First National Bank of McConnelsville is the furnisher here, not an assignee, which matters: an assignee usually receives a data file while the originator keeps the paperwork. Chartered in Ohio and operating 6 offices, The First National Bank of McConnelsville handles disputes against its own records. Dispute in writing, name the exact field in question, and run the §611 bureau route in parallel. No outcome is promised — it depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer and installment accounts originated across its 6 Ohio offices
- ◆Residential mortgage and home-equity lines booked in Ohio
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute The First National Bank of McConnelsville entry
Each of these is a reason The First National Bank of McConnelsville tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment posted the next business day and flagged delinquent
- ◆Account still showing a balance after The First National Bank of McConnelsville processed the payoff
- ◆Duplicate tradeline created by a Mcconnelsville core-system conversion
- ◆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 McConnelsville 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 McConnelsville 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 McConnelsville 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 McConnelsville questions, answered
Is The First National Bank of McConnelsville FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 6637. That record lists The First National Bank of McConnelsville as a national bank chartered and supervised by the Office of the Comptroller of the Currency headquartered in Mcconnelsville, OH, chartered July 1, 1863, with $200 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The First National Bank of McConnelsville, and where do I escalate if a dispute fails?
As a national bank chartered and supervised by the Office of the Comptroller of the Currency, The First National Bank of McConnelsville answers primarily to that regulator. Where a §611 and a §623 dispute both come back verified against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against The First National Bank of McConnelsville?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The First National Bank of McConnelsville 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 The First National Bank of McConnelsville's charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on The First National Bank of McConnelsville account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with The First National Bank of McConnelsville and disputing with a collector?
The First National Bank of McConnelsville is the original creditor and holds the underlying file — application, statements, posting history. Collectors typically receive a data file, not the original paperwork. Disputing directly with The First National Bank of McConnelsville under §623 puts the question to the party that can actually check it.
Does The First National Bank of McConnelsville report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With The First National Bank of McConnelsville, differing balances tend to be timing; differing status or first-delinquency dates are what deserve a dispute.
The First National Bank of McConnelsville was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. The First National Bank of McConnelsville has operated since 1863, and charters that old have usually been through at least one core-system migration. One 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 The First National Bank of McConnelsville's account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to The First National Bank of McConnelsville are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise a specific result. What is accurate and still reportable will remain.
Where is The First National Bank of McConnelsville headquartered, and does that affect my dispute?
The First National Bank of McConnelsville is headquartered in Mcconnelsville, Ohio, with 6 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies the same way 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 National Bank of McConnelsville; 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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