The Pennsville National Bank on Your Credit Report
In short: Headquartered in Pennsville, New Jersey, The Pennsville National Bank is a national bank chartered by the Office of the Comptroller of the Currency. The charter behind FDIC certificate 19978 dates to June 23, 1969 — a mid-twentieth-century charter, old enough that early account history exists only on paper and migrated into digital systems later. As of the 06/30/2026 call report, The Pennsville National Bank held $282 million in assets and operated 6 FDIC-reported offices. The Pennsville National Bank 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 open 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 Pennsville National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Pennsville National Bank appears in FDIC records as certificate 19978 — $282 million in total assets, 6 offices, headquartered in Pennsville, New Jersey, on a charter 57 years old as of 2026.
How Pennsville National Bank appears on your credit report
The Pennsville National Bank 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. Name the account by its last four digits and open date, state the one field you believe is wrong, and file the bureau dispute at the same time. Outcomes depend entirely on what the records show.
Names it may report under
Products that commonly show up
- ◆Mortgage and home-equity credit originated in its New Jersey market
- ◆Consumer accounts originated across its 6 New Jersey offices
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute a Pennsville National Bank entry
Each of these is a reason a Pennsville National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆Account settled with Pennsville National Bank still reporting the original charged-off balance
- ◆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 Pennsville 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, The Pennsville 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 The Pennsville 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.
The Pennsville National Bank questions, answered
Is The Pennsville National Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 19978. That record lists The Pennsville National Bank as a national bank chartered by the Office of the Comptroller of the Currency headquartered in Pennsville, NJ, chartered June 23, 1969, with $282 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The Pennsville National Bank, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, The Pennsville National Bank answers primarily to the Office of the Comptroller of the Currency, 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 Pennsville National Bank?
None is listed. The Pennsville National Bank 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 Pennsville National Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Pennsville National Bank account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with The Pennsville National Bank and disputing with a collector?
The Pennsville National Bank 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 Pennsville National Bank reaches the source documents instead.
Does The Pennsville National Bank 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 Pennsville National Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
The Pennsville 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 Pennsville National Bank 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 mid-twentieth-century charter, old enough that early account history exists only on paper and migrated into digital systems later.
Can I dispute The Pennsville 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 Pennsville 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 The Pennsville National Bank 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 Pennsville National Bank 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 Pennsville 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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