Whitesville State Bank on Your Credit Report
In short: Whitesville State 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 Whitesville, West Virginia. The charter behind FDIC certificate 16453 dates to July 8, 1946 — a twentieth-century charter, which means its records have outlived more than one generation of account-numbering. As of the 06/30/2026 call report, Whitesville State Bank held $138 million in assets and operated 5 FDIC-reported offices. Whitesville State Bank reports as an original creditor rather than an assignee, so the §623 direct dispute and the §611 bureau dispute are both open routes. 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 Whitesville State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Whitesville State Bank appears in the FDIC's ACTIVE institution list under certificate 16453, with 5 FDIC-reported offices and $138 million in total assets in Whitesville, West Virginia.
How Whitesville State Bank appears on your credit report
Treat Whitesville State Bank as the furnisher of record. An original creditor retains the application, the statements and the posting history; an assignee generally does not. Chartered in West Virginia and operating 5 FDIC-reported offices, Whitesville State Bank handles disputes against its own records. Send it in writing, be specific about which field is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and installment credit booked through its 5 West Virginia locations
- ◆Home-equity lines and residential mortgages booked locally in West Virginia
- ◆Overdrawn checking balances charged off to collection
Grounds to dispute a Whitesville State Bank entry
Each of these is a reason a Whitesville State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Counter deposit at a Whitesville State Bank branch in Whitesville posted after cutoff and reported late
- ◆Account still showing a balance after Whitesville State Bank processed the payoff
- ◆Single Whitesville State Bank account reporting twice following a data migration
- ◆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
Whitesville State 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, Whitesville State 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 Whitesville State Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Whitesville State Bank questions, answered
Is Whitesville State Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 16453. That record lists Whitesville State 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 Whitesville, WV, chartered July 8, 1946, with $138 million in assets across 5 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Whitesville State 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, Whitesville State 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 Whitesville State Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Whitesville State 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 Whitesville State Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Whitesville State Bank account. The clock runs from the original delinquency — a charge-off or sale does not restart it. If the date of first delinquency moves forward, that is re-aging, and it is itself an FCRA violation worth disputing.
What is the difference between disputing with Whitesville State Bank and disputing with a collector?
Whitesville State Bank is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. Disputing directly with Whitesville State Bank under §623 puts the question to the party that can actually check it against source documents.
Does Whitesville State Bank report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and a bank operating 5 offices often does not. Pull all three files and compare them. With Whitesville State Bank, a balance that differs between bureaus usually reflects different refresh dates; an account status or date of first delinquency that differs is the real signal worth disputing.
Whitesville State Bank changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Whitesville State Bank has operated since 1946, and a charter of that age has usually been through at least one core-system migration. An 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 explicitly.
Can I dispute a Whitesville State Bank account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Whitesville State 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 you a specific result. Anything accurate and timely stays on the report.
Where is Whitesville State Bank headquartered, and does that affect my dispute?
Whitesville State Bank is headquartered in Whitesville, West Virginia, with 5 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically 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 Whitesville State 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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