The Poca Valley Bank, Inc. on Your Credit Report
In short: The Poca Valley Bank, Inc. is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Walton, West Virginia. The institution carries FDIC certificate 11952 and a charter dated September 24, 1908. That makes it a pre-Federal-Reserve charter, so its reporting history predates most of the systems that now carry it. On the 06/30/2026 call report it reported $666 million in total assets and 9 FDIC-reported offices. The Poca Valley Bank, Inc. books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route 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 Poca Valley Bank, Inc. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Poca Valley Bank, Inc. is an FDIC-insured state bank under certificate 11952, headquartered in Walton, West Virginia, with $666 million in total assets and 9 FDIC-reported offices as of the 06/30/2026 call report; its charter dates to September 24, 1908.
How The Poca Valley Bank, Inc. appears on your credit report
Treat The Poca Valley Bank, Inc. as an original creditor rather than a collection agency — the dispute route is different. At $666 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 West Virginia offices
- ◆Mortgage and home-equity credit originated in the West Virginia market
- ◆Overdraft lines and deposit-linked credit tied to The Poca Valley Bank, Inc. checking accounts
Grounds to dispute a The Poca Valley Bank, Inc. entry
Each of these is a reason a The Poca Valley Bank, Inc. tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆West Virginia mortgage paid at closing but still showing a balance with The Poca Valley Bank, Inc.
- ◆Charge-off reported by The Poca Valley Bank, Inc. after the account was settled in full
- ◆Duplicate Poca Valley Bank, Inc. tradeline created when the account migrated between core systems
- ◆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 Poca Valley Bank, Inc. 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 Poca Valley Bank, Inc. 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 Poca Valley Bank, Inc. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Poca Valley Bank, Inc. questions, answered
Is The Poca Valley Bank, Inc. FDIC-insured, and what is its certificate number?
Yes. The Poca Valley Bank, Inc. holds FDIC certificate 11952. The FDIC record shows a charter established September 24, 1908, headquarters in Walton, WV, and 9 FDIC-reported offices with $666 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state banking regulator.
Who regulates The Poca Valley Bank, Inc., and where do I escalate if a dispute fails?
The Poca Valley Bank, Inc. is a state-chartered commercial bank that is not a member of the Federal Reserve System, so its primary oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against The Poca Valley Bank, Inc.?
We do not carry a complaint count for The Poca Valley Bank, Inc.. The CFPB credit-card dataset is keyed to company names that did not resolve unambiguously to this 9-office institution, and publishing a loose match would misattribute another company's record. Absence of a figure here is not a claim that there are no complaints — search consumerfinance.gov directly.
How long can a Poca Valley Bank, Inc. charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Poca Valley Bank, Inc. account. That anchor date does not reset when the balance is charged off, sold, or transferred. A Poca Valley Bank, Inc. tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with The Poca Valley Bank, Inc. and disputing with a collector?
The records sit in different places. The Poca Valley Bank, Inc. originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with The Poca Valley Bank, Inc. under §623 puts your challenge in front of whoever can actually check it against source documents.
Does The Poca Valley Bank, Inc. report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on The Poca Valley Bank, Inc.'s own arrangements. A lender with 9 offices and $666 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Poca Valley Bank, Inc. account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
The Poca Valley Bank, Inc. was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted The Poca Valley Bank, Inc. account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Identify both versions by last four digits and open date when you dispute.
Can I dispute The Poca Valley Bank, Inc. reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send The Poca Valley Bank, Inc. a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on The Poca Valley Bank, Inc. reporting?
Check the delinquency date first, since it controls the reporting window; then account status, which decides how the item is read; then the balance and limit, which drive utilization. With The Poca Valley Bank, Inc., a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Verify each against statements in your possession — a dispute anchored to one specific provable discrepancy is the one that moves.
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 Poca Valley Bank, Inc.; 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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