The Pauls Valley National Bank on Your Credit Report
In short: The Pauls Valley National Bank is a national bank chartered by the Office of the Comptroller of the Currency headquartered in Pauls Valley, Oklahoma. The charter behind FDIC certificate 4173 dates to January 1, 1905 — a twentieth-century charter that predates every federal credit-reporting statute now governing it. As of the 06/30/2026 call report, The Pauls Valley National Bank held $357 million in assets and operated 6 FDIC-reported offices. As the originating lender, The Pauls Valley National Bank furnishes the tradeline itself — meaning a §623 dispute reaches the party holding the underlying paperwork, and a §611 dispute runs in parallel through 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 Pauls Valley National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Pauls Valley National Bank holds FDIC certificate 4173 and reported $357 million in assets across 6 FDIC-reported offices from its Pauls Valley, Oklahoma headquarters.
How The Pauls Valley National Bank appears on your credit report
The distinction between The Pauls Valley National Bank and a collector is substantive: The Pauls Valley National Bank holds the original file, while an assignee typically works from a transferred data extract. Chartered in Oklahoma and operating 6 FDIC-reported offices, The Pauls Valley National Bank handles disputes against its own records. Put the dispute in writing, identify the exact field you say is wrong, and open the §611 bureau route at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer and installment accounts originated across its 6 Oklahoma offices
- ◆Mortgage and home-equity credit originated in its Oklahoma market
- ◆Small-business and commercial credit backed by a personal pledge
Grounds to dispute The Pauls Valley National Bank entry
Each of these is a reason The Pauls Valley National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Counter deposit at the Pauls Valley National Bank branch in Pauls Valley posted after cutoff and reported late
- ◆Paid-in-full account still reporting an outstanding balance from The Pauls Valley National Bank
- ◆Two tradelines for one Pauls Valley National Bank account after a core-system change
- ◆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 Pauls Valley National 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 Pauls Valley National 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 Pauls Valley National 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 Pauls Valley National Bank questions, answered
Is The Pauls Valley National Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 4173. That record lists The Pauls Valley National Bank as a national bank chartered by the Office of the Comptroller of the Currency headquartered in Pauls Valley, OK, chartered January 1, 1905, with $357 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The Pauls Valley National Bank, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, The Pauls Valley National Bank 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 Pauls Valley National Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Pauls Valley National Bank 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 Pauls Valley National Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Pauls Valley National Bank account. Neither a charge-off, a sale to a debt buyer, nor a transfer between servicers resets that date. If the date of first delinquency moves forward, that is re-aging, and it is itself an FCRA violation worth disputing.
What is the difference between disputing with The Pauls Valley National Bank and disputing with a collector?
The Pauls Valley National Bank is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. Disputing directly with The Pauls Valley National Bank under §623 puts the question to the party that can actually check it against source documents.
Does The Pauls Valley National Bank report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and a bank operating 6 offices often does not. Pull all three files and compare them. With The Pauls Valley National Bank, a balance that differs between bureaus usually reflects different refresh dates; an account status or date of first delinquency that differs is the real signal worth disputing.
The Pauls Valley National Bank changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. The Pauls Valley National Bank has operated since 1905, and a charter of that age 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 explicitly.
Can I dispute the Pauls Valley National Bank account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to The Pauls Valley National Bank are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is The Pauls Valley National Bank headquartered, and does that affect my dispute?
The Pauls Valley National Bank is headquartered in Pauls Valley, Oklahoma, with 6 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 Pauls Valley National 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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