The Farmers Bank of Willards on Your Credit Report
In short: Headquartered in Willards, Maryland, The Farmers Bank of Willards is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 5885 dates to January 3, 1925. At the 06/30/2026 reporting date the bank showed $548 million in total assets and 8 FDIC-reported offices. The Farmers Bank of Willards 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 available 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 The Farmers Bank of Willards actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Farmers Bank of Willards appears in FDIC BankFind as certificate 5885, headquartered Willards, Maryland, chartered January 3, 1925, with 8 FDIC-reported offices and $548 million in assets.
How The Farmers Bank of Willards appears on your credit report
Because Farmers Bank of Willards originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to Farmers Bank of Willards therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in Maryland, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Deposit-linked overdraft lines attached to Farmers Bank of Willards checking accounts
- ◆Installment loans originated across the 8 Maryland offices of Farmers Bank of Willards
- ◆Construction and lot loans underwritten locally by Farmers Bank of Willards in Willards
Grounds to dispute The Farmers Bank of Willards entry
Each of these is a reason The Farmers Bank of Willards tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Autopay set up with Farmers Bank of Willards failed and the missed cycle reported before notice reached you
- ◆Paid-in-full Farmers Bank of Willards loan still showing a balance after the payoff cleared
- ◆The Farmers Bank of Willards tradeline reporting a credit limit that was never approved in writing
- ◆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 Willards 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 Willards 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 Willards 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 Willards questions, answered
Is The Farmers Bank of Willards FDIC-insured, and under what certificate?
It is insured, and certificate 5885 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Willards, MD, chartered January 3, 1925, reporting $548 million and 8 offices as of 06/30/2026.
Which regulator oversees The Farmers Bank of Willards?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Farmers Bank of Willards come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Farmers Bank of Willards head office in Willards, Maryland.
How many credit-card complaints does the CFPB show against The Farmers Bank of Willards?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Farmers Bank of Willards 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 Farmers Bank of Willards charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Farmers Bank of Willards account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with The Farmers Bank of Willards and disputing with a collector?
The records live in different places. As the original creditor, Farmers Bank of Willards holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at Farmers Bank of Willards therefore lands where the evidence actually is.
Does The Farmers Bank of Willards report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The Farmers Bank of Willards — 8 offices in Maryland — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate The Farmers Bank of Willards tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The Farmers Bank of Willards has operated since 1925, and a charter that old 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.
Can I dispute Farmers Bank of Willards account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Farmers Bank of Willards under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is The Farmers Bank of Willards headquartered, and does that affect my dispute?
The Farmers Bank of Willards is headquartered in Willards, Maryland, with 8 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 The Farmers Bank of Willards; 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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