The Queenstown Bank of Maryland on Your Credit Report
In short: The Queenstown Bank of Maryland is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Queenstown, Maryland. The institution carries FDIC certificate 8816 and a charter dated January 1, 1899. The nineteenth-century charter date matters here only because a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. On the 06/30/2026 call report it reported $730 million in total assets and 9 FDIC-reported offices. Because The Queenstown Bank of Maryland 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 The Queenstown Bank of Maryland actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Queenstown Bank of Maryland holds FDIC certificate 8816, chartered January 1, 1899 in Queenstown, Maryland (127 years old), and reported $730 million in total assets across 9 offices on the 06/30/2026 call report.
How The Queenstown Bank of Maryland appears on your credit report
The Queenstown Bank of Maryland is an original creditor, not a collector, and that changes the mechanics. At $730 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. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Maryland offices
- ◆First-lien mortgages and home-equity lines on Maryland property
- ◆Overdraft lines and deposit-linked credit tied to The Queenstown Bank of Maryland checking accounts
Grounds to dispute a The Queenstown Bank of Maryland entry
Each of these is a reason a The Queenstown Bank of Maryland tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Maryland mortgage paid at closing but still showing a balance with The Queenstown Bank of Maryland
- ◆Charge-off reported by The Queenstown Bank of Maryland after the account was settled in full
- ◆Duplicate Queenstown Bank of Maryland 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
The Queenstown Bank of Maryland 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 Queenstown Bank of Maryland 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 Queenstown Bank of Maryland a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Queenstown Bank of Maryland questions, answered
Is The Queenstown Bank of Maryland FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 8816. That record lists The Queenstown Bank of Maryland as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Queenstown, MD, chartered January 1, 1899, with $730 million in assets across 9 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The Queenstown Bank of Maryland, and where do I escalate if a dispute fails?
Supervision of The Queenstown Bank of Maryland sits with the FDIC and its state banking regulator. If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against The Queenstown Bank of Maryland?
We do not publish a figure for The Queenstown Bank of Maryland. 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 The Queenstown Bank of Maryland would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Queenstown Bank of Maryland charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Queenstown Bank of Maryland account. That anchor date does not reset when the balance is charged off, sold, or transferred. A Queenstown Bank of Maryland tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with The Queenstown Bank of Maryland and disputing with a collector?
The records sit in different places. The Queenstown Bank of Maryland originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with The Queenstown Bank of Maryland under §623 puts your challenge in front of whoever can actually check it against source documents.
Does The Queenstown Bank of Maryland report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on The Queenstown Bank of Maryland's own arrangements. A lender with 9 offices and $730 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Queenstown Bank of Maryland account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
The Queenstown Bank of Maryland was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When The Queenstown Bank of Maryland 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 charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten.
Can I dispute The Queenstown Bank of Maryland 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 The Queenstown Bank of Maryland 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 Queenstown Bank of Maryland 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. Given that a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten, pull your own statements and check the Queenstown Bank of Maryland entry field by field. One documented error beats a broad removal request every time.
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 Queenstown Bank of Maryland; 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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