The Western State Bank on Your Credit Report
In short: Operating 9 FDIC-reported offices from a head office in Garden City, Kansas, The Western State Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator under FDIC certificate 21121. The charter dates to June 19, 1973 and the most recent call report, dated 06/30/2026, shows $802 million in total assets. As an original creditor, Western State Bank is the furnisher on its own tradelines, not an assignee of someone else's. 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 Western State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Western State Bank is recorded by the FDIC under certificate 21121 as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, with 9 offices in Kansas and $802 million in assets at the 06/30/2026 call report.
How The Western State Bank appears on your credit report
The Western State Bank is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Western State Bank, and file the §611 dispute in parallel. The Western State Bank reviews these internally from Garden City, Kansas. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Deposit-linked overdraft lines attached to Western State Bank checking accounts
- ◆Installment loans originated across the 9 Kansas offices of Western State Bank
- ◆Construction and lot loans underwritten locally by Western State Bank in Garden City
Grounds to dispute The Western State Bank entry
Each of these is a reason The Western State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with Western State Bank not reflected in the monthly status
- ◆The Western State Bank account reported in the name of a co-signer who never signed
- ◆Charge-off reported by Western State Bank without the underlying itemization on file
- ◆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 Western State 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 Western State 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 Western State 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 Western State Bank questions, answered
Does the FDIC insure deposits at The Western State Bank?
It is insured, and certificate 21121 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Garden City, KS, chartered June 19, 1973, reporting $802 million and 9 offices as of 06/30/2026.
Who supervises The Western State Bank if a dispute goes nowhere?
The Western State 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 Western State Bank head office in Garden City is the right address for the written record.
How many credit-card complaints does the CFPB show against The Western State Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Western State 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 Western State Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Western State Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with The Western State Bank and disputing with a collector?
The records live in different places. As the original creditor, Western State Bank holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Western State Bank therefore lands where the evidence actually is.
Does The Western State Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The Western State Bank — 9 offices in Kansas — 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.
I see duplicate The Western State Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The Western State Bank has operated since 1973, 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.
Can I dispute Western State Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Western State Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is The Western State Bank headquartered, and does that affect my dispute?
The Western State Bank is headquartered in Garden City, Kansas, with 9 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 Western State 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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