The Hicksville Bank on Your Credit Report
In short: The Hicksville Bank operates out of Hicksville, Ohio as 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 16370 dates to January 9, 1946 — a mid-century charter that predates the FCRA. As of the 06/30/2026 call report, The Hicksville Bank held $221 million in assets and operated 5 FDIC-reported offices. The Hicksville 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 Hicksville Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Hicksville Bank carries FDIC certificate 16370, operates 5 FDIC-reported offices and reported $221 million in assets on its most recent call report in Hicksville, Ohio.
How The Hicksville Bank appears on your credit report
This tradeline is furnished by The Hicksville Bank itself, not purchased from another lender, which means the source documents are held in-house. With an Ohio charter and 5 FDIC-reported offices, The Hicksville 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 installment credit booked through its 5 Ohio locations
- ◆Home-equity lines and residential mortgages originated near Hicksville
- ◆Small-business credit backed by a personal pledge
Grounds to dispute The Hicksville Bank entry
Each of these is a reason The Hicksville Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Hicksville office on time but posted to the next cycle
- ◆Paid-in-full The Hicksville Bank loan continuing to report an outstanding balance
- ◆Duplicate The Hicksville 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 Hicksville 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 Hicksville 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 Hicksville 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 Hicksville Bank questions, answered
What is the FDIC certificate number for The Hicksville Bank?
Certificate 16370 is the FDIC record for The Hicksville Bank. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Hicksville, OH, with a charter dating to January 9, 1946; the 06/30/2026 call report shows $221 million in assets and 5 offices.
Which regulator oversees The Hicksville Bank?
The Hicksville 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 Hicksville Bank head office in Hicksville is the right address for the written record.
How many credit-card complaints does the CFPB show against The Hicksville Bank?
We do not publish a figure for The Hicksville Bank. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
What is the reporting limit on The Hicksville Bank account?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch The Hicksville Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
What is the difference between disputing with The Hicksville Bank and disputing with a collector?
The distinction matters because of who holds the evidence. The Hicksville Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with The Hicksville Bank reaches the records themselves.
Will The Hicksville Bank account show on all three reports?
Furnishing is voluntary under the FCRA, so The Hicksville Bank — 5 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.
Why does one The Hicksville Bank account appear twice on my report?
One account showing twice is a classic conversion artifact. The Hicksville Bank has operated since 1946, 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.
Is there a free way to dispute The Hicksville Bank tradeline?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to The Hicksville Bank are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Where is The Hicksville Bank headquartered, and does that affect my dispute?
The Hicksville Bank is headquartered in Hicksville, Ohio, with 5 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 Hicksville 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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