Capital Community Bank (CCBank) on Your Credit Report and How to Fix Errors

You borrowed from LoanMart, or Xact, or Rise, or OppLoans. You have never heard of Capital Community Bank, and yet there it is on your credit report, attached to a balance that looks familiar. This is not a mistake, and it is not usually fraud. A Utah bank you never dealt with can be the lender of record on a loan a technology company sold you — and this particular bank is now changing its fintech-facing name, which makes an already confusing tradeline harder to track. This page decodes the entry and explains what to do when it is inaccurate. We represent consumers only.

Who is Capital Community Bank, and why is it on your credit report?

Capital Community Bank, which brands itself CCBank, is a Utah bank with FDIC Certificate #33823. It was established July 29, 1993, originally as Orem Community Bank, and its main office is at 3280 North University Avenue, Provo, Utah 84604. Recent coverage puts it at roughly $1.5 billion in assets across seven locations. It also operates Limelight Bank, an online certificate-of-deposit brand.

None of that explains why its name is on your report, because you almost certainly did not walk into a branch in Provo. The explanation is the bank's second business: it is a partner bank for consumer lending programs marketed by financial technology companies. The technology company builds the website, runs the advertising, takes the application and services the loan. The bank makes the loan.

The consequence for a credit report is exactly what you are looking at. You remember the brand. The tradeline carries the bank. Coverage of the bank's fintech business has named partners including OppFi, Lendly and NetCredit, and a 2023 consumer-group filing discussed further below named a longer list.

Before treating an unfamiliar bank name as fraud, do the arithmetic. Compare the open date, the original loan amount, the payment amount and the account number fragment against the loan documents from whichever brand you actually borrowed from. If they line up, you have found your own loan under its lender's name.

CCBank is becoming Quill Bank, and what a rename does to a tradeline

In 2026 the bank announced it was rebranding its fintech-facing business as Quill Bank, with the Quill Bank website launching on June 30, 2026. Its chief business development officer, Andrew Cusick, framed the change as additive rather than a retreat, saying the bank was not shifting away from community banking customers, but creating a brand to enhance the visibility and branding for the fintech side of the bank. Chief executive Mike Watson described the institution's approach in terms of relationships and reputation.

Corporate branding is not usually the business of a credit reporting page. It is here because a rename is one of the reliable generators of credit report errors, and this one will touch exactly the consumers who were already confused about who their lender was.

Three specific failures follow renames and program migrations, and all three are worth checking if a new name appears on your file. Duplicate tradelines, where the old name keeps reporting a balance the new entity now carries, so one loan shows as two. A reset open date, where the loan is reported as newly originated on the transition date, wiping out the account age you had built. And a reset date of first delinquency on an account that had already gone bad, which pushes the seven-year expiry further into the future.

So the instruction is concrete. If a Quill Bank entry appears and a CCBank or Capital Community Bank entry is still there, compare them field by field. If they describe the same loan, one of them should show a zero balance and a transferred status. Two live balances for one loan is a dispute, and it is a dispute you can document with a single loan statement.

Partner-bank lending: who is the creditor, who is the furnisher

Partner-bank lending, sometimes called bank-fintech partnership lending, works like this. A technology company designs and markets a loan product. A chartered bank originates the loan, so the bank is the creditor of record. The technology company or a related entity typically services it and may acquire the receivable afterward. You interact with one company and owe another.

For credit reporting purposes the question that matters is not who you spoke to. It is who furnished the data. The FCRA duties described below attach to the entity that reported the tradeline, and on a partner-bank loan that can be the bank, the servicer, or both at different points in the loan's life.

This produces a specific reporting hazard when a loan is transferred — from bank to servicer, from one servicer to another, or into a collection posture after default. Each transfer is an opportunity for the outgoing entity to keep reporting a balance it no longer holds while the incoming one reports the same debt. The correct pattern is always the same: the outgoing tradeline goes to zero with a transferred or sold status, and only one entry carries the live balance.

Keep every document the brand gave you, particularly the loan agreement, which names the originating bank. On a partner-bank loan that agreement is frequently the only piece of paper connecting the name you remember to the name on your report, and it is the first thing to attach to a dispute.

What a coalition of consumer groups told the FDIC in 2023

In a comment letter filed with the FDIC on March 30, 2023, a coalition of consumer organizations — including the National Consumer Law Center, the Center for Responsible Lending, the Consumer Federation of America, Americans for Financial Reform, Consumer Action, the National Community Reinvestment Coalition, Public Citizen, U.S. PIRG, the Woodstock Institute, Accountable.US and the Center for Economic Integrity — named CCBank among Utah banks used in what the groups called rent-a-bank arrangements.

The letter identified lending partners and rates the groups attributed to them: Wheels Financial, marketing as LoanMart and ChoiceCash, auto title loans at up to 178% APR and potentially higher; CNG Financial, marketing as Check 'n Go and Xact, installment loans at up to 225% APR; Elevate Credit, marketing as Rise, at up to 149% APR; Opportunity Financial (OppFi) at 160% APR; and also Total Loan Services at up to 224%, Lendly at a typical 199%, along with MoneyKey, SunUp Financial and Simple Fast Loans. The coalition wrote that such lenders launder their loans through CC Bank (and other Utah banks) in order to attempt to evade state interest rate laws. Among the consumer harms the letter listed were credit reporting problems, including incorrect information and failure to respond to disputes and errors. CCBank appears on the National Consumer Law Center's High-Cost Rent-a-Bank Loan Watch List.

Now the boundary, and it is not optional. Everything in the two paragraphs above consists of allegations made by advocacy organizations in a public comment letter. They are not findings by the FDIC, by any other regulator, or by any court. No agency determination that CCBank violated the Fair Credit Reporting Act is described here, because we have not located one. Anyone who tells you otherwise is overstating the record.

What the letter is legitimately good for is orientation. It is a public document explaining why a Provo bank's name appears on loans sold under a dozen unrelated brands, and it is a useful reference if you are trying to trace which brand corresponds to which lender. It is not evidence about your account, and a dispute that leans on it instead of on your own loan documents will go nowhere.

High-rate installment and title loans: the errors we see most

Loans in this segment carry rates and structures that produce a distinctive family of reporting problems. None of these are about the interest rate itself, which is a licensing and usury question rather than an FCRA question. They are about what the tradeline says.

The balance that does not move. On a high-rate installment loan, early payments are dominated by interest, so the principal falls slowly and a borrower can pay for a year without seeing much change. That is the amortization schedule, not an error. It becomes an error when payments you actually made are not reflected at all — when the reported balance is unchanged across months in which money left your account.

The paid-off loan still reporting a balance. Common on refinanced and rolled-over loans, where the old loan is satisfied out of the new one and nobody updates the old tradeline. Two balances, one debt.

Title loan collateral errors. On an auto title loan, if the vehicle was surrendered or repossessed and sold, the sale proceeds must be applied and only the shortfall should remain. A tradeline still reporting the full original balance after a sale overstates the debt, often by thousands.

Re-aging. Under 15 U.S.C. 1681c, most negative information may be reported for seven years, and the clock runs from the date of first delinquency — the month you first fell behind and never caught up. It does not restart on a refinance, on a transfer between servicers, on a rebrand, or on a sale to a debt buyer. Loans in this segment are refinanced and transferred often, which gives that date an unusual number of chances to be reset by mistake.

What the FCRA requires once you dispute a CCBank tradeline

Two provisions carry the weight, and they bind different companies.

15 U.S.C. 1681i binds the consumer reporting agency. On receiving your dispute it must reinvestigate free of charge, ordinarily within thirty days and up to forty-five where you supply additional information during the period, must forward the relevant information you provided to the furnisher, and must delete or modify anything it cannot verify.

15 U.S.C. 1681s-2(b) binds the furnisher. Once notified by the agency, it must investigate, review the information the agency forwarded, report its findings back, and correct or delete inaccurate, incomplete or unverifiable information with every nationwide agency it reported to. The investigation must be reasonable in substance — on a transferred loan, that means looking at the transfer and payment records, not merely confirming that a loan existed.

Partner-bank lending makes the routing question sharper than usual, because a single loan can involve an originating bank, a marketing brand, a servicer and, after default, a debt buyer. The duty attaches to whichever entity furnished the tradeline in question. Each owes its own independent investigation. None discharges the duty by pointing at another. If more than one entry describes your loan, name all of them in the dispute so the bureau forwards it to everyone reporting.

One procedural point ends claims before they begin. Section 1681s-2(a), the duty to furnish accurate information in the first instance, is not privately enforceable by consumers. Only a dispute routed through a consumer reporting agency triggers the duty you can sue on. Where a violation is negligent, section 1681o allows actual damages plus attorney's fees; where it is willful, section 1681n allows statutory damages of $100 to $1,000 per violation and punitive damages.

Is the CCBank entry on your report actually yours?

Sort your situation before writing to anyone. On a partner-bank loan the identification step is genuinely harder than usual, so do it deliberately.

• It is yours under a name you did not recognize. You borrowed from a brand, the bank originated the loan, and the tradeline uses the bank's name. Match the open date, original amount and payment against your loan agreement. If they line up, the entry belongs on your file — read every other field anyway.
• It is yours, but a field is wrong. Payments you made that are not reflected, a paid-off or refinanced loan still reporting a balance, a title loan still reporting the full balance after the vehicle was sold, or a delinquency in a month you paid on time.
• It is yours, but it appears more than once. The bank and the servicer both reporting a live balance, the old bank name and a new one both reporting after a rebrand, or the original lender and a debt buyer both carrying the same charged-off balance.
• It is not yours. A loan taken in your name with stolen identifying information, or another consumer's file merged into yours. For fraud see our identity theft page; for a merged file see mixed credit file cases.

Where the loan is fraudulent, use the block rather than an ordinary dispute. Under 15 U.S.C. 1681c-2, a consumer reporting agency must block information you identify as resulting from identity theft within four business days of receiving your identification, an identity theft report and a statement that the information is not yours. A report generated at IdentityTheft.gov satisfies the report requirement.

Disputing a Capital Community Bank entry, step by step

Pull all three reports at AnnualCreditReport.com. Partner-bank loans are notorious for appearing under different names at different bureaus — the brand at one, the bank at another, a servicer at the third — and that inconsistency is frequently the clearest evidence that something is being reported twice.

Then gather the documents: the loan agreement, which names the originating bank and is the link between the brand you remember and the name on your report; your payment records; any payoff or refinance documents; and, on a title loan, the notice of sale and the accounting of the sale proceeds. If you never received a post-sale accounting, request one in writing. You are entitled to know what the collateral sold for.

State the defect precisely. This loan is wrong gives a furnisher nothing to examine. The tradeline reports a balance of $4,180 as of June 2025; the loan was paid in full on March 3, 2025 through refinance number 44821 and the payoff letter is attached; the account should report a zero balance and paid status as of March 3, 2025 leaves nothing to shrug at. Name the field, state the correct value, attach the proof.

Send the dispute in writing to every consumer reporting agency showing the error. That is what triggers section 1681i and, through it, each furnisher's section 1681s-2(b) duty. Writing to the bank or the servicer as well is often useful, but only the bureau dispute creates enforceable obligations. Our credit dispute letter guide sets out the structure.

Mail certified with return receipt and keep a complete copy of everything you send. Proof of what an agency received and when is often worth more later than the wording inside. If an agency verifies the item and it is still wrong, get advice rather than resending the same letter — repeated identical disputes can be treated as frivolous and stop generating obligations.

How The Kim Law Firm handles Capital Community Bank reporting problems

We represent consumers nationwide and act only for the consumer. The Capital Community Bank matters that become cases involve reporting that is demonstrably wrong: payments made but not reflected in the reported balance, a paid-off or refinanced loan still reporting as owed, one loan reported twice under the bank name and a servicer or brand name, a rebrand that produced two live tradelines for a single debt, a title loan balance never reduced by the proceeds of a collateral sale, a re-aged date of first delinquency keeping an old loan on your file past seven years, a loan taken in your name by someone else, or another consumer's loan merged into your file.

We do not help remove accurate negative information, and we do not litigate interest rates. If the loan is yours, the payments were missed and the tradeline says so, no lawyer can lawfully make it disappear, and we will tell you that on the first call rather than after you have paid for a consultation.

Where the reporting is inaccurate and a properly routed dispute left the error in place, you may be entitled to actual damages — credit denied, a higher interest rate, a lost apartment or job, and the emotional harm courts have long recognized in FCRA cases — together with attorney's fees and costs. Because the statute shifts fees when a consumer prevails, we work on contingency: no fee unless we win.

Our FCRA lawyer guide explains how a case unfolds, and the credit reporting errors overview covers the patterns we see most. Other banks and lenders we handle appear on our creditors and lenders page. When you are ready, contact us for a free review.

Frequently asked questions

Why is Capital Community Bank on my credit report when I borrowed from someone else?

Because CCBank originates loans that financial technology companies market and service under their own brands. You applied through a website and dealt with that company, but the bank made the loan, so the bank is the creditor of record and its name is what reaches your credit file. Compare the open date, original amount and payment against your loan agreement, which names the originating bank on its face.

What is CCBank and where is it located?

CCBank is the brand name of Capital Community Bank, a Utah bank with FDIC Certificate #33823, established July 29, 1993 as Orem Community Bank. Its main office is at 3280 North University Avenue, Provo, Utah 84604, and recent coverage describes roughly $1.5 billion in assets across seven locations. It also operates Limelight Bank, an online certificate-of-deposit brand.

Is CCBank changing its name to Quill Bank?

It announced a rebrand of its fintech-facing business to Quill Bank, with the Quill Bank website launching June 30, 2026. Executives described the change as adding a brand for the fintech side rather than moving away from community banking. If both a Quill Bank entry and a CCBank entry appear on your report for the same loan, one of them should show a zero balance and a transferred status.

Do the rent-a-bank allegations against CCBank prove my tradeline is wrong?

No, and it is important to be precise about this. The March 30, 2023 material came from a comment letter filed with the FDIC by consumer advocacy organizations including the National Consumer Law Center and the Center for Responsible Lending. Those are allegations by advocacy groups, not findings by the FDIC or any court. Your dispute succeeds on your own loan documents, not on a comment letter.

My title loan vehicle was sold but the balance never dropped. Is that an error?

Very likely. Once collateral is sold, the proceeds must be applied and only the shortfall, the deficiency balance, should remain on the tradeline. If the report still shows the full original balance after the sale, the proceeds were never applied on your file. Request the accounting of the sale proceeds in writing, then dispute with each bureau stating the sale date, the amount realized and the correct remaining balance.

Location does not limit us. The Kim Law Firm represents consumers across the country in Fair Credit Reporting Act matters, working from our offices in Philadelphia, Pennsylvania. If a Capital Community Bank or CCBank entry on your credit report is inaccurate, duplicates a loan you already paid, or reports a debt that is not yours, and disputing it has not fixed it, we would like to hear from you.