Ciera Bank on Your Credit Report
In short: Operating 8 FDIC-reported offices from a head office in Graham, Texas, Ciera Bank is a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator under FDIC certificate 3226. The charter dates to October 10, 1889 and the most recent call report, dated 06/30/2026, shows $993 million in total assets. As an original creditor, Ciera Bank is the furnisher on its own tradelines, not an assignee of someone else's. 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 Ciera Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Ciera Bank appears in FDIC BankFind as certificate 3226, headquartered Graham, Texas, chartered October 10, 1889, with 8 FDIC-reported offices and $993 million in assets.
How Ciera Bank appears on your credit report
Because Ciera Bank originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to Ciera Bank therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in Texas, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by Ciera Bank in Texas
- ◆Home-improvement and second-lien lending booked near Graham
- ◆Commercial and owner-occupied real-estate credit held by Ciera Bank
Grounds to dispute a Ciera Bank entry
Each of these is a reason a Ciera 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 Graham office credited to the wrong Ciera Bank account number
- ◆Account still reporting open after Ciera Bank closed it at your request
- ◆First-delinquency date shifted forward on a later Ciera Bank pull
- ◆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
Ciera 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, Ciera 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 Ciera Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Ciera Bank questions, answered
Is Ciera Bank FDIC-insured, and under what certificate?
Yes — Ciera Bank appears in FDIC BankFind under certificate 3226. The record shows a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator based in Graham, TX, with a charter dated October 10, 1889, $993 million in assets and 8 offices at the 06/30/2026 call report.
Who supervises Ciera Bank if a dispute goes nowhere?
Ciera Bank answers primarily to the Federal Reserve and its state banking regulator. If a §611 and a §623 dispute both return "verified" against paperwork you hold, take it to the CFPB; FCRA §§616–617 also create a private right of action. You do not need to pay anyone to do either. The Ciera Bank head office in Graham is the right address for the written record.
How many credit-card complaints does the CFPB show against Ciera Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Ciera 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 Ciera Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Ciera Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Ciera Bank and disputing with a collector?
Go to whoever holds the documents. Ciera Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Ciera Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Ciera Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Ciera Bank — 8 offices in Texas — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Ciera Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Ciera Bank has operated since 1889, 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.
Can I dispute a Ciera Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Ciera 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 Ciera Bank headquartered, and does that affect my dispute?
Ciera Bank is headquartered in Graham, Texas, with 8 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
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 Ciera 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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