American Bank of Commerce on Your Credit Report
In short: American Bank of Commerce is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC record lists certificate 18609, a charter dating to 1962, headquarters in Wolfforth, TX, and 13 FDIC-reported offices holding $1.86 billion in assets as of 06/30/2026. An account reported by American Bank of Commerce is furnished by the bank itself, so your FCRA §623 rights attach to American Bank of Commerce directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 American Bank of Commerce actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
American Bank of Commerce has been in continuous operation for 64 years, chartered September 11, 1962 and carried on the FDIC's books as certificate 18609. Its 06/30/2026 call report shows 13 FDIC-reported offices and $1.86 billion in total assets, averaging roughly $143 million per office.
How American Bank of Commerce appears on your credit report
American Bank of Commerce is a regional lender headquartered in Wolfforth, TX, with 13 FDIC-reported offices and $1.86 billion in assets, on a charter 64 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Auto and other secured consumer loans booked at American Bank of Commerce offices
- ◆Overdraft lines of credit attached to American Bank of Commerce deposit accounts
- ◆Deposit-secured and share-secured credit lines opened at American Bank of Commerce
Grounds to dispute a American Bank of Commerce entry
Each of these is a reason a American Bank of Commerce tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account transferred between American Bank of Commerce systems after a core conversion and duplicated
- ◆Account reported under a predecessor institution name after a merger into American Bank of Commerce
- ◆Payment posted at American Bank of Commerce in Wolfforth, TX but reported late because of a processing-date mismatch
- ◆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
American Bank of Commerce 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, American Bank of Commerce 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 American Bank of Commerce a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
American Bank of Commerce questions, answered
Is American Bank of Commerce FDIC-insured, and what is its certificate number?
Yes. American Bank of Commerce holds FDIC certificate 18609. The FDIC record shows a charter established September 11, 1962, headquarters in Wolfforth, TX, and 13 FDIC-reported offices with $1.86 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates American Bank of Commerce, and where do I escalate if a dispute fails?
American Bank of Commerce is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the TX state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the American Bank of Commerce charter, and why does that matter for my credit report?
American Bank of Commerce was chartered in 1962, after federal deposit insurance existed but long before the FCRA was enacted in 1970. A bank of this vintage has usually absorbed smaller institutions along the way, so a 64-year-old account may still be reporting under a predecessor's name. If the furnisher name on your report is not one you recognise, ask American Bank of Commerce to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is American Bank of Commerce, and what does that mean for disputing an account?
American Bank of Commerce reports $1.86 billion across 13 FDIC-reported offices — roughly $143 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute an American Bank of Commerce account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with American Bank of Commerce as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what American Bank of Commerce can verify, and results vary from case to case.
Does TX law change anything about an American Bank of Commerce account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. American Bank of Commerce being headquartered in Wolfforth, TX does not make TX law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can an American Bank of Commerce account stay on my credit report?
About seven years, measured from the date of first delinquency on the American Bank of Commerce account rather than from any later event. A charge-off, a sale to a debt buyer, or a transfer of servicing does not reset that clock, and neither does a payment you make now. Pull your report, find the date of first delinquency American Bank of Commerce furnished, and if it does not match when you actually fell behind, that discrepancy is disputable on its own.
Does American Bank of Commerce appear in the CFPB complaint database?
We do not publish a complaint figure for American Bank of Commerce. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 18609, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with American Bank of Commerce and disputing with a collection agency?
An original creditor like American Bank of Commerce and a collection agency are governed by different laws, and sending the wrong letter costs you time. American Bank of Commerce is the furnisher, so FCRA §623 accuracy is the lever. A collector is an FDCPA entity, and §809 gives you 30 days from its first contact to demand validation of the debt. Confirm from the report itself which one is furnishing the tradeline you want corrected before drafting anything.
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 American Bank of Commerce; 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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