The First National Bank of Bangor on Your Credit Report
In short: Headquartered in Bangor, Wisconsin, The First National Bank of Bangor is a nationally chartered bank supervised by the Office of the Comptroller of the Currency. FDIC certificate 5337 traces to July 1, 1903, a charter older than the FDIC itself. As of the 06/30/2026 call report, The First National Bank of Bangor held $364 million in assets and operated 5 FDIC-reported offices. The First National Bank of Bangor 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 First National Bank of Bangor actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The First National Bank of Bangor carries FDIC certificate 5337, operates 5 FDIC-reported offices and reported $364 million in assets on its most recent call report in Bangor, Wisconsin.
How The First National Bank of Bangor appears on your credit report
The First National Bank of Bangor furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With a Wisconsin charter and 5 FDIC-reported offices, The First National Bank of Bangor adjudicates these disputes internally. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer installment and personal lending across its 5 Wisconsin offices
- ◆Home-equity lines and residential mortgages originated near Bangor
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute The First National Bank of Bangor entry
Each of these is a reason The First National Bank of Bangor tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Bangor teller window credited a day late and reported as delinquent
- ◆Balance not updated to zero after The First National Bank of Bangor completed the payoff
- ◆One The First National Bank of Bangor obligation appearing as two tradelines after a core-system conversion
- ◆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 First National Bank of Bangor 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 First National Bank of Bangor 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 First National Bank of Bangor a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The First National Bank of Bangor questions, answered
Does the FDIC insure deposits at The First National Bank of Bangor?
Yes — deposits are FDIC-insured under certificate 5337. The FDIC record lists The First National Bank of Bangor as a nationally chartered bank supervised by the Office of the Comptroller of the Currency headquartered in Bangor, WI, chartered July 1, 1903, holding $364 million across 5 offices at the 06/30/2026 call report.
Which regulator oversees The First National Bank of Bangor?
Oversight sits with the Office of the Comptroller of the Currency. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Wisconsin you banked with The First National Bank of Bangor.
How many credit-card complaints does the CFPB show against The First National Bank of Bangor?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The First National Bank of Bangor 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 The First National Bank of Bangor charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on The First National Bank of Bangor account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
Should I dispute with The First National Bank of Bangor directly or with the collection agency?
Go to whoever holds the documents. The First National Bank of Bangor has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to The First National Bank of Bangor tends to produce a substantive answer rather than a rubber-stamp verification.
Does The First National Bank of Bangor report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The First National Bank of Bangor — 5 offices in Wisconsin — 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.
The First National Bank of Bangor changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. The First National Bank of Bangor has operated since 1903, 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 The First National Bank of Bangor account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to The First National Bank of Bangor 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 First National Bank of Bangor headquartered, and does that affect my dispute?
The home office is in Bangor, Wisconsin, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the Office of the Comptroller of the Currency if you need to escalate.
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 First National Bank of Bangor; 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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