Newfield National Bank on Your Credit Report
In short: Newfield National Bank is a nationally chartered commercial bank, headquartered in Newfield, New Jersey. Its FDIC record is certificate 14646, with a charter date of January 1, 1934. Its mid-century charter means the bank's records span multiple eras of consumer-reporting practice. Its 06/30/2026 call report shows $889 million in total assets across 9 reported offices. Because Newfield National Bank lends on its own balance sheet rather than servicing another lender's paper, it is the furnisher of record on its own tradelines, which gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. 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 Newfield National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Newfield National Bank operates under FDIC certificate 14646 from Newfield, New Jersey, where its charter has run since January 1, 1934; the 06/30/2026 call report shows $889 million in total assets and 9 FDIC-reported offices.
How Newfield National Bank appears on your credit report
Newfield National Bank is an original creditor, not a collector, and that changes the mechanics. At $889 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Pin the account down by last four digits and open date, state precisely which field is inaccurate, and mirror the dispute to all three bureaus so the §611 and §623 tracks proceed together. Any outcome turns on the documentation behind the account, so results vary.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 New Jersey offices
- ◆Residential mortgage and HELOC accounts secured by New Jersey real estate
- ◆Overdraft lines and deposit-linked credit tied to Newfield National Bank checking accounts
Grounds to dispute a Newfield National Bank entry
Each of these is a reason a Newfield National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Newfield National Bank
- ◆Charge-off reported by Newfield National Bank after the account was settled in full
- ◆Duplicate Newfield National Bank tradeline created when the account migrated between core systems
- ◆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
Newfield National 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, Newfield National 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 Newfield National Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Newfield National Bank questions, answered
Is Newfield National Bank FDIC-insured, and what is its certificate number?
Newfield National Bank is FDIC-insured under certificate number 14646. Per the FDIC, the charter dates to January 1, 1934, the head office is in Newfield, NJ, and the 06/30/2026 call report shows $889 million in total assets over 9 FDIC-reported offices. Oversight runs through the Office of the Comptroller of the Currency (OCC).
Who regulates Newfield National Bank, and where do I escalate if a dispute fails?
Newfield National Bank is a nationally chartered commercial bank, so its primary oversight runs through the Office of the Comptroller of the Currency (OCC). 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 Newfield National Bank?
We do not publish a figure for Newfield National Bank. A 9-office community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Newfield National Bank would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Newfield National Bank charge-off stay on my credit report?
A charged-off Newfield National Bank 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 Newfield National Bank 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 Newfield National Bank and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Newfield National Bank's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Newfield National Bank tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Newfield National Bank report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a community institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the Newfield National Bank tradeline as a genuine dispute target.
Newfield National Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Newfield National Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate.
Can I dispute Newfield National Bank 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 Newfield National Bank 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 Newfield National Bank reporting?
Check the delinquency date first, since it controls the reporting window; then account status, which decides how the item is read; then the balance and limit, which drive utilization. With Newfield National Bank, a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate. Verify each against statements in your possession — a dispute anchored to one specific provable discrepancy is the one that moves.
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 Newfield National 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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