The Farmers Bank of Appomattox on Your Credit Report
In short: Headquartered in Appomattox, Virginia, The Farmers Bank of Appomattox is a state-chartered commercial bank that is a member of the Federal Reserve System. Under FDIC certificate 6813, the charter was established September 16, 1918, making it a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. As of the 06/30/2026 call report, The Farmers Bank of Appomattox held $375 million in assets and operated 6 FDIC-reported offices. Because The Farmers Bank of Appomattox furnishes its own tradelines, you can dispute through the bureaus under §611 and directly with the bank under §623. 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 Farmers Bank of Appomattox actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Farmers Bank of Appomattox holds FDIC certificate 6813, chartered September 16, 1918 in Appomattox, Virginia (108 years old), and reported $375 million in total assets across 6 offices on the 06/30/2026 call report.
How Farmers Bank of Appomattox appears on your credit report
The Farmers Bank of Appomattox is an original creditor, not a collector, and that changes the mechanics. With 6 offices, the branch that opened the account is often still the fastest route to the original paperwork — ask for it by branch, not just by account number. Put the account number's last four digits, the open date and the specific disputed field in writing, and run the §611 and §623 disputes in parallel. Results vary with what the file actually contains.
Names it may report under
Products that commonly show up
- ◆Consumer accounts originated across its 6 Virginia offices
- ◆Deposit-account overdraft balances referred for collection
- ◆Small-business and agricultural credit carrying a personal guaranty
Grounds to dispute a Farmers Bank of Appomattox entry
Each of these is a reason a Farmers Bank of Appomattox tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account settled with Farmers Bank of Appomattox still reporting the original charged-off balance
- ◆Overdraft balance reported as a loan default rather than a deposit item
- ◆Payment posted at a branch on time but credited after the due date
- ◆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
The Farmers Bank of Appomattox 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, The Farmers Bank of Appomattox 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 The Farmers Bank of Appomattox a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Farmers Bank of Appomattox questions, answered
Is The Farmers Bank of Appomattox FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 6813. That record lists The Farmers Bank of Appomattox as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Appomattox, VA, chartered September 16, 1918, with $375 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The Farmers Bank of Appomattox, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, The Farmers Bank of Appomattox answers primarily to the Federal Reserve and its state banking regulator, with the FDIC as deposit insurer. 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 The Farmers Bank of Appomattox?
None is listed. The Farmers Bank of Appomattox did not match any company key in the CFPB credit-card complaint dataset on an exact-name basis, and we decline to estimate from a loose match. You can search the public database yourself at consumerfinance.gov.
How long can a Farmers Bank of Appomattox charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Farmers Bank of Appomattox account. Neither a charge-off entry nor a sale to a collector resets the seven-year window. A delinquency date that shifts later is the signal that the account has been re-aged.
What is the difference between disputing with The Farmers Bank of Appomattox and disputing with a collector?
The Farmers Bank of Appomattox is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to Farmers Bank of Appomattox reaches the source documents instead.
Does The Farmers Bank of Appomattox 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 Farmers Bank of Appomattox, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
The Farmers Bank of Appomattox was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Farmers Bank of Appomattox migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems.
Can I dispute The Farmers Bank of Appomattox 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 Farmers Bank of Appomattox 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 The Farmers Bank of Appomattox reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Match the Farmers Bank of Appomattox entry to your statements before writing. A specific, documented inaccuracy moves an investigation that a blanket request will not.
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 The Farmers Bank of Appomattox; 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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