Austin County State Bank on Your Credit Report
In short: Headquartered in Bellville, Texas, Austin County State Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. Certificate 58484 was issued against a charter dating to June 26, 2007, a modern charter. The 06/30/2026 call report puts Austin County State Bank at $543 million in assets across 5 FDIC-reported offices. Austin County State 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 available 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 Austin County State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Austin County State Bank carries FDIC certificate 58484, operates 5 FDIC-reported offices and reported $543 million in assets on its most recent call report in Bellville, Texas.
How Austin County State Bank appears on your credit report
Austin County State Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. Austin County State Bank is Texas-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and personal installment credit written at its 5 Texas offices
- ◆Mortgage and home-equity accounts originated in the Bellville market
- ◆Small-business credit backed by a personal pledge
Grounds to dispute an Austin County State Bank entry
Each of these is a reason an Austin County State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Bellville teller window credited a day late and reported as delinquent
- ◆Paid-in-full Austin County State Bank loan continuing to report an outstanding balance
- ◆One Austin County State Bank obligation appearing as two tradelines after a core-system conversion
- ◆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
Austin County State 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, Austin County State 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 Austin County State Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Austin County State Bank questions, answered
Does the FDIC insure deposits at Austin County State Bank?
Certificate 58484 is the FDIC record for Austin County State Bank. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Bellville, TX, with a charter dating to June 26, 2007; the 06/30/2026 call report shows $543 million in assets and 5 offices.
My dispute with Austin County State Bank failed — who do I complain to?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever Austin County State Bank tells you.
How many credit-card complaints does the CFPB show against Austin County State Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Austin County State 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.
When does an Austin County State Bank charge-off fall off my report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the Austin County State Bank tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Is it better to go to Austin County State Bank or to the collector?
Go to whoever holds the documents. Austin County State Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Austin County State Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Austin County State Bank report to all three credit bureaus?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Austin County State Bank, with 5 offices around Bellville, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Why does one Austin County State Bank account appear twice on my report?
One account showing twice is a classic conversion artifact. Austin County State Bank has operated since 2007, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Do I need to hire someone to dispute an Austin County State Bank entry?
No payment is required. Writing to the bureaus under §611 or to Austin County State Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Austin County State Bank headquartered, and does that affect my dispute?
Austin County State Bank is based in Bellville, Texas and reports 5 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 Austin County State 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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