Tioga State Bank National Association on Your Credit Report
In short: Tioga State Bank National Association is a national bank chartered by the Office of the Comptroller of the Currency, operating from Spencer, NY on a charter established in 1884. FDIC certificate 9410 records 10 FDIC-reported offices and $625 million in total assets on the 06/30/2026 call report. An account reported by Tioga State Bank National Association is furnished by the bank itself, so your FCRA §623 rights attach to Tioga State Bank National Association directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 Tioga State Bank National Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Tioga State Bank National Association has been in continuous operation for 142 years, chartered March 24, 1884 and carried on the FDIC's books as certificate 9410. Its 06/30/2026 call report shows 10 FDIC-reported offices and $625 million in total assets, averaging roughly $63 million per office.
How Tioga State Bank National Association appears on your credit report
Disputing a Tioga State Bank National Association tradeline is not the same as disputing one from a national issuer. With $625 million in assets across 10 offices, the bank's credit reporting is handled by far fewer people than at a large card company, so a well-documented letter frequently reaches someone with authority to correct the record rather than a scripted queue. A short, specific letter that points to one incorrect field usually gets a cleaner response than a broad demand to remove the account.
Names it may report under
Products that commonly show up
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Deposit-secured personal lines of credit
- ◆Co-signed family and student-support loans
Grounds to dispute a Tioga State Bank National Association entry
Each of these is a reason a Tioga State Bank National Association tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆Branch-acquired account duplicated under both the old and new bank name
- ◆Mortgage paid at closing but still showing an outstanding balance with Tioga State Bank National Association
- ◆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
Tioga State Bank National Association 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, Tioga State Bank National Association 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 Tioga State Bank National Association a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Tioga State Bank National Association questions, answered
Is Tioga State Bank National Association FDIC-insured, and what is its certificate number?
Yes. Tioga State Bank National Association holds FDIC certificate 9410. The FDIC record shows a charter established March 24, 1884, headquarters in Spencer, NY, and 10 FDIC-reported offices with $625 million in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency.
Who regulates Tioga State Bank National Association, and where do I escalate if a dispute fails?
Tioga State Bank National Association is a national bank chartered by the Office of the Comptroller of the Currency, so its primary federal oversight runs through the Office of the Comptroller of the Currency (OCC). 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 Tioga State Bank National Association?
None that can be attributed with confidence. Tioga State Bank National Association does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 10-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Tioga State Bank National Association would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Tioga State Bank National Association charge-off stay on my credit report?
A charged-off Tioga State Bank National Association account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Tioga State Bank National Association charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Tioga State Bank National Association and disputing with a collector?
The records live in different places. Tioga State Bank National Association originated the account in Spencer, so it holds the signed documents and the posting history; a collector works from a data file. That is why disputing the Tioga State Bank National Association tradeline directly under FCRA §623 can surface proof that a collector could not produce.
Does Tioga State Bank National Association report to all three credit bureaus?
There is no single answer that holds for every community bank. Reporting is voluntary under the FCRA, and a bank the size of Tioga State Bank National Association — 10 offices, $625 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Tioga State Bank National Association account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
Tioga State Bank National Association was acquired or changed names — why does my report show two accounts?
This is one of the most frequent duplicate-tradeline causes. A converted Tioga State Bank National Association account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1884, core-system conversions are the usual cause.
Can I dispute Tioga State Bank National Association 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 Tioga State Bank National Association 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 Tioga State Bank National Association reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 142-year-old lender like Tioga State Bank National Association, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Tioga State Bank National Association; 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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