West Point Bank on Your Credit Report
In short: West Point Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Radcliff, Kentucky. The charter behind FDIC certificate 12166 dates to July 1, 1914 — a twentieth-century charter old enough that early account history was kept on paper and later migrated. As of the 06/30/2026 call report, West Point Bank held $561 million in assets and operated 5 FDIC-reported offices. West Point Bank is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are open to you. 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 West Point Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
West Point Bank holds FDIC certificate 12166, reporting $561 million in assets across 5 FDIC-reported offices from Radcliff, Kentucky, on the 06/30/2026 call report.
How West Point Bank appears on your credit report
West Point Bank furnishes the tradeline itself, so a §623 dispute goes to the party that can actually check the record. At $561 million in assets across 5 offices, West Point Bank is small enough that the originating branch in Radcliff may still hold the physical file. Identify the account by last four digits and open date, name the single disputed field, and send the bureau dispute at the same time. Results turn on what the file shows.
Names it may report under
Products that commonly show up
- ◆Personal and installment loans originated through its Radcliff offices
- ◆Residential mortgage credit secured by Kentucky property
- ◆Overdraft and deposit-related balances charged off and referred out
Grounds to dispute a West Point Bank entry
Each of these is a reason a West Point Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment posted at a Radcliff branch on time but credited after the due date
- ◆Mortgage payoff recorded by the title company but not updated by West Point Bank
- ◆Duplicate tradeline created when West Point Bank converted its loan platform
- ◆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
West Point 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, West Point 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 West Point Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
West Point Bank questions, answered
Is West Point Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 12166. That record lists West Point Bank as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Radcliff, KY, chartered July 1, 1914, with $561 million in assets across 5 FDIC-reported offices on the 06/30/2026 call report.
Who regulates West Point Bank, and where do I escalate if a dispute fails?
As a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, West Point Bank answers primarily to that regulator. Where a §611 and a §623 dispute both come back verified against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against West Point Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched West Point 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 West Point Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the West Point Bank account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with West Point Bank and disputing with a collector?
West Point Bank is the original creditor and holds the underlying file — application, statements, posting history. Collectors typically receive a data file, not the original paperwork. Disputing directly with West Point Bank under §623 puts the question to the party that can actually check it.
Does West Point Bank report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With West Point Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
West Point Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. West Point Bank has operated since 1914, and charters that old have usually been through at least one core-system migration. One 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 a West Point Bank account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to West Point Bank are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise a specific result. Anything accurate and timely stays on the report.
Where is West Point Bank headquartered, and does that affect my dispute?
West Point Bank is headquartered in Radcliff, Kentucky, with 5 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies the same way 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 West Point 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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