Vintage Bank Kansas on Your Credit Report
In short: Vintage Bank Kansas is a KS-based institution — specifically a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator — that has held a charter since 1902 and appears in the FDIC directory as certificate 17927. Its most recent call report, dated 06/30/2026, shows 12 FDIC-reported offices and $289 million in assets. Any tradeline carrying the Vintage Bank Kansas name is furnished by the bank, not by a servicer, so disputes under FCRA §623 go straight to the institution that holds the records. 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 Vintage Bank Kansas actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Vintage Bank Kansas holds FDIC certificate 17927 on a charter established May 1, 1902, and reports $289 million in total assets across 12 FDIC-reported offices on its 06/30/2026 call report — about $24 million per office for a bank headquartered in Leon, KS.
How Vintage Bank Kansas appears on your credit report
Scale matters when you dispute. Vintage Bank Kansas reports $289 million in assets and 12 FDIC-reported offices — small enough that account histories are often reconstructed by hand from branch records in Leon. That tends to make verification slower but more thorough, and it means vague disputes get vague answers. Identify the account by its exact last four digits and open date, and state plainly which field is wrong rather than disputing the account as a whole.
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
- ◆Consumer installment loans for vehicles, equipment or debt consolidation
- ◆Agricultural operating lines carried on the owner’s personal file
Grounds to dispute a Vintage Bank Kansas entry
Each of these is a reason a Vintage Bank Kansas tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage paid at closing but still showing an outstanding balance with Vintage Bank Kansas
- ◆Branch-acquired account duplicated under both the old and new bank name
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆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
Vintage Bank Kansas 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, Vintage Bank Kansas 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 Vintage Bank Kansas a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Vintage Bank Kansas questions, answered
Is Vintage Bank Kansas FDIC-insured, and what is its certificate number?
Yes. Vintage Bank Kansas holds FDIC certificate 17927. The FDIC record shows a charter established May 1, 1902, headquarters in Leon, KS, and 12 FDIC-reported offices with $289 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 regulator.
Who regulates Vintage Bank Kansas, and where do I escalate if a dispute fails?
Vintage Bank Kansas is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal 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 Vintage Bank Kansas?
None that can be attributed with confidence. Vintage Bank Kansas does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 12-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 Vintage Bank Kansas would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Vintage Bank Kansas charge-off stay on my credit report?
A charged-off Vintage Bank Kansas 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 Vintage Bank Kansas 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 Vintage Bank Kansas and disputing with a collector?
Vintage Bank Kansas holds the primary file; a collector holds a copy of selected fields. Disputing both matters, but the §623 route to Vintage Bank Kansas is the one that reaches the original application and payment records, and an inaccuracy corrected at the source should flow through to any derived collection tradeline.
Does Vintage Bank Kansas report to all three credit bureaus?
That depends on the bank's own furnishing arrangements. Reporting is voluntary under the FCRA, and a bank the size of Vintage Bank Kansas — 12 offices, $289 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Vintage Bank Kansas 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.
Vintage Bank Kansas was acquired or changed names — why does my report show two accounts?
This is one of the most frequent duplicate-tradeline causes. A converted Vintage Bank Kansas 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 1902, core-system conversions are the usual cause.
Can I dispute Vintage Bank Kansas 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 Vintage Bank Kansas 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 Vintage Bank Kansas 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 124-year-old lender like Vintage Bank Kansas, 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 Vintage Bank Kansas; 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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