The Killbuck Savings Bank Company on Your Credit Report
In short: The Killbuck Savings Bank Company is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. The FDIC record lists certificate 11860, a charter dating to 1900, headquarters in Killbuck, OH, and 13 FDIC-reported offices holding $954 million in assets as of 06/30/2026. When The Killbuck Savings Bank Company reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a bureau. 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 Killbuck Savings Bank Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Killbuck Savings Bank Company was chartered January 1, 1900 and is insured under FDIC certificate 11860. It reported $954 million in total assets and 13 FDIC-reported offices on its 06/30/2026 call report — about $73 million per reported office across its OH footprint.
How The Killbuck Savings Bank Company appears on your credit report
Because The Killbuck Savings Bank Company is regional — $954 million in assets, 13 FDIC-reported offices, headquartered in Killbuck, OH — its credit-reporting function is rarely a dedicated department. Disputes sent under FCRA §623 should identify the account by last four digits and open date and state precisely which field is inaccurate, because a vague dispute is far more likely to come back simply "verified".
Names it may report under
Products that commonly show up
- ◆Auto and other secured consumer loans booked at The Killbuck Savings Bank Company offices
- ◆Overdraft lines of credit attached to The Killbuck Savings Bank Company deposit accounts
- ◆Deposit-secured and share-secured credit lines opened at The Killbuck Savings Bank Company
Grounds to dispute a The Killbuck Savings Bank Company entry
Each of these is a reason a The Killbuck Savings Bank Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆Automatic-payment enrolment that lapsed at The Killbuck Savings Bank Company without notice, producing a late mark
- ◆Account transferred between The Killbuck Savings Bank Company systems after a core conversion and duplicated
- ◆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 Killbuck Savings Bank Company 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 Killbuck Savings Bank Company 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 Killbuck Savings Bank Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Killbuck Savings Bank Company questions, answered
Is The Killbuck Savings Bank Company FDIC-insured, and what is its certificate number?
Yes. The Killbuck Savings Bank Company holds FDIC certificate 11860. The FDIC record shows a charter established January 1, 1900, headquarters in Killbuck, OH, and 13 FDIC-reported offices with $954 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator.
Who regulates The Killbuck Savings Bank Company, and where do I escalate if a dispute fails?
The Killbuck Savings Bank Company is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, so its primary federal oversight comes from the Federal Reserve, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the Federal Reserve, to the OH state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is The Killbuck Savings Bank Company charter, and why does that matter for my credit report?
The Killbuck Savings Bank Company's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1900 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask The Killbuck Savings Bank Company in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is The Killbuck Savings Bank Company, and what does that mean for disputing an account?
The Killbuck Savings Bank Company reports $954 million across 13 FDIC-reported offices — roughly $73 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute The Killbuck Savings Bank Company account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with The Killbuck Savings Bank Company as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what The Killbuck Savings Bank Company can verify, and results vary from case to case.
Does OH law change anything about The Killbuck Savings Bank Company account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. The Killbuck Savings Bank Company being headquartered in Killbuck, OH does not make OH law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can The Killbuck Savings Bank Company account stay on my credit report?
The FCRA window runs about seven years from the date of first delinquency — the first payment you missed on The Killbuck Savings Bank Company account and never caught up on. It does not run from the charge-off date, the sale date, or the date The Killbuck Savings Bank Company last updated the tradeline. Watch for re-aging: if the furnished date drifts later than your own records show, dispute the date itself, because that is an accuracy problem independent of the balance.
Does The Killbuck Savings Bank Company appear in the CFPB complaint database?
We do not publish a complaint figure for The Killbuck Savings Bank Company. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 11860, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with The Killbuck Savings Bank Company and disputing with a collection agency?
The Killbuck Savings Bank Company is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to The Killbuck Savings Bank Company; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
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 Killbuck Savings Bank Company; 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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