Woodlands National Bank on Your Credit Report
In short: Woodlands National Bank is a national bank chartered by the Office of the Comptroller of the Currency headquartered in Hinckley, Minnesota. FDIC certificate 1417 records the charter as established October 1, 1908. That makes 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. The 06/30/2026 call report shows $331 million in total assets across 7 FDIC-reported offices. As the originating furnisher, Woodlands National Bank holds the source records, so a §623 dispute and a §611 bureau dispute can run in parallel. 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 Woodlands National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Woodlands National Bank appears in FDIC records as certificate 1417 — $331 million in total assets, 7 offices, headquartered in Hinckley, Minnesota, on a charter 118 years old as of 2026.
How Woodlands National Bank appears on your credit report
Woodlands National Bank is an original creditor, not a collector, and that changes the mechanics. Across 7 offices the servicing and reporting functions are usually centralised, so address the dispute to the bank's compliance or credit-reporting contact rather than a branch. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer installment loans booked across its branch network
- ◆Mortgage and home-equity credit originated in Minnesota
- ◆Consumer accounts originated across its 7 Minnesota offices
Grounds to dispute a Woodlands National Bank entry
Each of these is a reason a Woodlands 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 Woodlands 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
Woodlands 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, Woodlands 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 Woodlands 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.
Woodlands National Bank questions, answered
Is Woodlands National Bank FDIC-insured, and what is its certificate number?
Yes. Woodlands National Bank carries FDIC certificate 1417. The FDIC describes it as a national bank chartered by the Office of the Comptroller of the Currency based in Hinckley, MN, established October 1, 1908, reporting $331 million in total assets and 7 offices as of 06/30/2026.
Who regulates Woodlands 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, Woodlands National Bank answers primarily to the Office of the Comptroller of the Currency, with the FDIC as deposit insurer. If both the §623 furnisher dispute and the §611 bureau dispute return verified while your own records say otherwise, you can file a CFPB complaint and, where warranted, pursue the private right of action under FCRA §§616–617. Both routes are free to you.
How many credit-card complaints does the CFPB show against Woodlands National Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Woodlands National Bank 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 a Woodlands 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 Woodlands National Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. A tradeline whose delinquency date drifts later has been re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Woodlands National Bank and disputing with a collector?
Woodlands 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 Woodlands National Bank reaches the source documents instead.
Does Woodlands National Bank report to all three credit bureaus?
Furnishing to all three bureaus is voluntary under the FCRA, and an institution with 7 offices may report to only one or two. Compare all three files first. With Woodlands National Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Woodlands 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 Woodlands National Bank 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 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 Woodlands 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 Woodlands 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 Woodlands 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. Pull your own statements and check the Woodlands National Bank 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 Woodlands 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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