United Citizens Bank & Trust Company on Your Credit Report
In short: United Citizens Bank & Trust Company is a community-scale lender operating as a state-chartered commercial bank that is not a member of the Federal Reserve System, based in Campbellsburg, Kentucky. FDIC certificate 15249 records the charter as established January 1, 1872. That makes it a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts. The 06/30/2026 call report shows $219 million in total assets across 7 FDIC-reported offices. Accounts originated here are furnished by United Citizens Bank & Trust Company itself, which means a §623 dispute goes to the institution that holds the underlying file. 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 United Citizens Bank & Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
United Citizens Bank & Trust Company appears in FDIC records as certificate 15249 — $219 million in total assets, 7 offices, headquartered in Campbellsburg, Kentucky, on a charter 154 years old as of 2026.
How United Citizens Bank & Trust Company appears on your credit report
United Citizens Bank & Trust Company is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Auto and equipment loans financed through local dealers
- ◆Personal lines of credit tied to a United Citizens Bank & Trust Company deposit relationship
- ◆Consumer installment loans booked across its branch network
Grounds to dispute a United Citizens Bank & Trust Company entry
Each of these is a reason a United Citizens Bank & Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Overdraft balance reported as a loan default rather than a deposit item
- ◆Payment posted at a branch on time but credited after the due date
- ◆Mortgage payoff recorded by the title company but not updated by United Citizens Bank & Trust Company
- ◆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
United Citizens Bank & Trust Company 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, United Citizens Bank & Trust Company 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 United Citizens Bank & Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
United Citizens Bank & Trust Company questions, answered
Is United Citizens Bank & Trust Company FDIC-insured, and what is its certificate number?
Yes. United Citizens Bank & Trust Company carries FDIC certificate 15249. The FDIC describes it as a state-chartered commercial bank that is not a member of the Federal Reserve System based in Campbellsburg, KY, established January 1, 1872, reporting $219 million in total assets and 7 offices as of 06/30/2026.
Who regulates United Citizens Bank & Trust Company, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, United Citizens Bank & Trust Company answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against United Citizens Bank & Trust Company?
We do not publish a figure for United Citizens Bank & Trust Company. An exact-name query against the CFPB's credit-card complaint company list returned no match, and partial-name matching is unreliable enough to attach another company's complaints to this one. The public database at consumerfinance.gov is searchable directly.
How long can a United Citizens Bank & Trust Company charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the United Citizens Bank & Trust Company account. That anchor date does not reset when the balance is charged off, sold, or transferred. A tradeline whose delinquency date drifts later has been re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with United Citizens Bank & Trust Company and disputing with a collector?
United Citizens Bank & Trust Company is the original creditor and holds the underlying file — application, statements, posting history. A collector holds only what was transferred with the account. That is why a §623 dispute to United Citizens Bank & Trust Company tends to resolve factual questions a collector simply cannot answer.
Does United Citizens Bank & Trust Company report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With United Citizens Bank & Trust Company, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
United Citizens Bank & Trust Company was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When United Citizens Bank & Trust Company migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Push for removal of the duplicate entry instead of accepting a "closed" notation, which does not undo the scoring impact. In this case the charter is a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts.
Can I dispute United Citizens Bank & Trust Company 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 United Citizens Bank & Trust Company 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 United Citizens Bank & Trust Company reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Compare the United Citizens Bank & Trust Company tradeline against your own statements line by line; a single provable discrepancy is worth more than a general complaint.
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 United Citizens Bank & Trust Company; 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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