Tower Community Bank on Your Credit Report
In short: Tower Community Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Jasper, Tennessee. FDIC certificate 20100 records the charter as established January 2, 1970. Its late-twentieth-century charter means the bank's records span multiple eras of consumer-reporting practice. The 06/30/2026 call report puts total assets at $375 million, spread over 9 FDIC-reported offices. Lending from its own balance sheet makes Tower Community Bank the furnisher of record rather than an assignee, so your FCRA §623 dispute reaches the institution that actually holds the account documents. 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 Tower Community Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Tower Community Bank operates under FDIC certificate 20100 from Jasper, Tennessee, where its charter has run since January 2, 1970; the 06/30/2026 call report shows $375 million in total assets and 9 FDIC-reported offices.
How Tower Community Bank appears on your credit report
Tower Community Bank furnishes its own tradelines as the original creditor, which matters for how you write. At $375 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. Pin the account down by last four digits and open date, state precisely which field is inaccurate, and mirror the dispute to all three bureaus so the §611 and §623 tracks proceed together. Any outcome turns on the documentation behind the account, so results vary.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Tennessee offices
- ◆Residential mortgage and HELOC accounts secured by Tennessee real estate
- ◆Small-business and consumer accounts carried on the Tower Community Bank balance sheet
Grounds to dispute a Tower Community Bank entry
Each of these is a reason a Tower Community Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Tower Community Bank
- ◆Paid-in-full installment loan still showing a Tower Community Bank charge-off status
- ◆Duplicate Tower Community Bank 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
Tower Community 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, Tower Community 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 Tower Community Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Tower Community Bank questions, answered
Is Tower Community Bank FDIC-insured, and what is its certificate number?
Yes. Tower Community Bank holds FDIC certificate 20100. The FDIC record shows a charter established January 2, 1970, headquarters in Jasper, TN, and 9 FDIC-reported offices with $375 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 Tower Community Bank, and where do I escalate if a dispute fails?
Tower Community Bank 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 Tower Community Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Tower Community 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 a Tower Community Bank charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For Tower Community Bank, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with Tower Community Bank and disputing with a collector?
The records sit in different places. Tower Community Bank 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 Tower Community Bank under §623 puts your challenge in front of whoever can actually check it against source documents.
Does Tower Community Bank report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a small community institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the Tower Community Bank tradeline as a genuine dispute target.
Tower Community Bank was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, a Tower Community Bank account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute Tower Community Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to Tower Community Bank naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on Tower Community Bank reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
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 Tower Community 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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