The Ohio Valley Bank Company on Your Credit Report
In short: Headquartered in Gallipolis, OH, The Ohio Valley Bank Company has operated under FDIC certificate 384 since its charter was established in 1872. Its 06/30/2026 call report shows $1.6 billion in total assets and 16 FDIC-reported offices. 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. Any account it reports makes The Ohio Valley Bank Company the furnisher of that tradeline, which is what gives you a direct FCRA §623 dispute route against the bank and not only against the bureaus. 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 Ohio Valley Bank Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Chartered January 1, 1872 and insured under FDIC certificate 384, The Ohio Valley Bank Company reported $1.6 billion in total assets and 16 FDIC-reported offices on its 06/30/2026 call report. That is about $103 million per reported office across its OH footprint.
How The Ohio Valley Bank Company appears on your credit report
The Ohio Valley Bank Company runs 16 FDIC-reported offices against $1.6 billion in assets, a branch-dense retail profile. Accounts at this kind of bank are typically opened and serviced in person, which means the supporting paperwork — signature cards, payment receipts, deferment agreements — usually exists locally. Requesting the specific document that contradicts the tradeline is often more effective than a general assertion of disagreement.
Names it may report under
Products that commonly show up
- ◆Construction and lot loans that convert to permanent financing
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Deposit accounts charged off to a negative balance
Grounds to dispute a The Ohio Valley Bank Company entry
Each of these is a reason a The Ohio Valley Bank Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment posted at a The Ohio Valley Bank Company office in Gallipolis but reported late because of a processing-date mismatch
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆Payment posted at a The Ohio Valley Bank Company office in Gallipolis but reported late because of a processing-date mismatch
- ◆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 Ohio Valley 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 Ohio Valley 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 Ohio Valley 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 Ohio Valley Bank Company questions, answered
Is The Ohio Valley Bank Company FDIC-insured, and what is its certificate number?
Yes. The Ohio Valley Bank Company holds FDIC certificate 384. The FDIC record shows a charter established January 1, 1872, headquarters in Gallipolis, OH, and 16 FDIC-reported offices with $1.6 billion 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 Ohio Valley Bank Company, and where do I escalate if a dispute fails?
The Ohio Valley Bank Company is a state-chartered bank that is a member of the Federal Reserve System, which makes the Federal Reserve its primary federal regulator alongside the OH state banking department. If disputes fail, complaints can go to the Federal Reserve, the state regulator, or the CFPB. The supervisory route differs from a national bank's, though your FCRA §611 and §623 rights are identical either way.
How old is the The Ohio Valley Bank Company charter, and why does that matter for my credit report?
The Ohio Valley Bank Company's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1872 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 Ohio Valley 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 Ohio Valley Bank Company, and what does that mean for disputing an account?
The Ohio Valley Bank Company reports $1.6 billion across 16 FDIC-reported offices — roughly $103 million per office, a retail-weighted profile. Bear in mind the FDIC's office count includes every reported location, not only retail branches, so this is a measure of reported footprint rather than a count of storefronts. In practice it means consumer accounts are likely serviced locally and the underlying paperwork can usually be retrieved from the originating office.
How do I dispute a The Ohio Valley 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 Ohio Valley 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 Ohio Valley Bank Company can verify, and results vary from case to case.
Does OH law change anything about a The Ohio Valley 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 Ohio Valley Bank Company being headquartered in Gallipolis, 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 a The Ohio Valley Bank Company account stay on my credit report?
Generally up to seven years from the date of first delinquency on that The Ohio Valley Bank Company account — the original missed payment that was never brought current — not seven years from when it was charged off, sold, or last updated. Transferring the account to another servicer does not restart it either. If The Ohio Valley Bank Company or a later owner has moved that date forward, the re-aging is itself an FCRA inaccuracy and is worth disputing on its own, separately from whether you owe the balance.
Does The Ohio Valley Bank Company appear in the CFPB complaint database?
We do not publish a complaint figure for The Ohio Valley Bank Company. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 384, 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 Ohio Valley Bank Company and disputing with a collection agency?
The Ohio Valley 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 Ohio Valley 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 Ohio Valley 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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