WSFS Bank on Your Credit Report
In short: WSFS Bank operates under the legal name Wilmington Savings Fund Society, FSB, FDIC certificate 17838, from Wilmington, Delaware. Its charter dates to 1832, making it one of the oldest bank charters still operating in the United States. It serves the Delaware Valley through consumer banking, lending and trust services. 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 WSFS actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
WSFS operates under FDIC certificate 17838, chartered in Wilmington, DE and established February 18, 1832 — 194 years of continuous charter history. Since January 2025 the CFPB has logged 5 credit-card complaints naming WSFS, the largest share of them about other features, terms or problems (3).
How WSFS appears on your credit report
The legal name on the FDIC charter — Wilmington Savings Fund Society, FSB — looks nothing like the retail brand WSFS, and the bank also absorbed the Bryn Mawr Trust brand. A tradeline can therefore surface under any of three names for the same institution. This is one of the clearest cases where a consumer should confirm identity by account number and open date before filing a 'not mine' dispute, because all three names are legitimately the same furnisher.
Names it may report under
Products that commonly show up
- ◆Consumer credit card accounts
- ◆Personal and auto loans
- ◆Home equity lines of credit
- ◆Bryn Mawr Trust legacy consumer accounts
What consumers report to the CFPB
These are counts of complaints filed with the Consumer Financial Protection Bureau about credit cards, from the CFPB's public complaint database. They describe the company's complaint history — they are not a prediction about any individual account.
Source: CFPB Consumer Complaint Database, product “Credit card”, company “WSFS FINANCIAL CORPORATION”. Snapshot retrieved 2026-10-17. Complaint counts change over time.
Grounds to dispute a WSFS entry
Each of these is a reason a WSFS tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account reporting under Wilmington Savings Fund Society rather than the WSFS retail brand
- ◆Legacy Bryn Mawr Trust account reporting alongside its WSFS successor
- ◆Trust or fiduciary account appearing as personal consumer debt
- ◆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
WSFS 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, WSFS 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 WSFS Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
WSFS Bank questions, answered
Is WSFS FDIC-insured?
Yes. WSFS appears in the FDIC's BankFind institution directory under certificate 17838, headquartered in Wilmington, DE, with a charter established February 18, 1832.
What do people complain to the CFPB about most with WSFS?
Of the 5 credit-card complaints naming WSFS in the CFPB's public database since January 2025, the largest single category is "Other features, terms, or problems" at 3, followed by "Problem with a purchase shown on your statement" (1). These are public complaint statistics about the company, not a prediction about any individual account. Snapshot taken 2026-10-17.
How do I dispute a WSFS account on my credit report?
You can dispute with Equifax, Experian and TransUnion under FCRA §611, and you can dispute directly with WSFS as the furnisher under FCRA §623. Both routes are free and you can do them yourself. Put it in writing, identify the account by its last four digits and open date, state exactly what is inaccurate, and keep copies. Whether an item changes depends on what the furnisher can verify, and results vary.
How long can a WSFS delinquency stay on my report?
A delinquent or charged-off account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current. That clock does not restart because the account was charged off, sold, or transferred. If the date of first delinquency has been moved forward, that re-aging is itself a reportable FCRA inaccuracy.
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 WSFS 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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