Commercial National Bank of Texarkana on Your Credit Report
In short: Commercial National Bank of Texarkana is a nationally chartered bank supervised by the Office of the Comptroller of the Currency headquartered in Texarkana, Texas. FDIC certificate 19024 traces to February 5, 1964, a mid-century charter that predates the FCRA. The 06/30/2026 call report puts Commercial National Bank of Texarkana at $330 million in assets across 6 FDIC-reported offices. Commercial National Bank of Texarkana 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 Commercial National Bank of Texarkana actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Commercial National Bank of Texarkana carries FDIC certificate 19024, operates 6 FDIC-reported offices and reported $330 million in assets on its most recent call report in Texarkana, Texas.
How Commercial National Bank of Texarkana appears on your credit report
Because Commercial National Bank of Texarkana originated the account, it furnishes the tradeline directly and holds the original file. With a Texas charter and 6 FDIC-reported offices, Commercial National Bank of Texarkana adjudicates these disputes internally. Submit it in writing, point to the single field you are challenging, and lodge the §611 dispute at the same time. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Unsecured personal notes and installment paper originated in Texas
- ◆First-lien residential mortgages and second-lien home-equity credit around Texarkana
- ◆Overdrawn deposit balances charged off and referred out for collection
Grounds to dispute a Commercial National Bank of Texarkana entry
Each of these is a reason a Commercial National Bank of Texarkana tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Texarkana posted after the due date and reported 30 days late
- ◆Paid-in-full Commercial National Bank of Texarkana loan continuing to report an outstanding balance
- ◆Duplicate Commercial National Bank of Texarkana tradeline created when the loan was renumbered internally
- ◆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
Commercial National Bank of Texarkana 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, Commercial National Bank of Texarkana 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 Commercial National Bank of Texarkana a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Commercial National Bank of Texarkana questions, answered
Is Commercial National Bank of Texarkana FDIC-insured, and what is its certificate number?
Certificate 19024 is the FDIC record for Commercial National Bank of Texarkana. It describes a nationally chartered bank supervised by the Office of the Comptroller of the Currency based in Texarkana, TX, with a charter dating to February 5, 1964; the 06/30/2026 call report shows $330 million in assets and 6 offices.
Which regulator oversees Commercial National Bank of Texarkana?
Oversight sits with the Office of the Comptroller of the Currency. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Texas you banked with Commercial National Bank of Texarkana.
How many credit-card complaints does the CFPB show against Commercial National Bank of Texarkana?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Commercial National Bank of Texarkana, and approximating by substring is how unrelated companies get conflated. The absence of a published count is not a claim of zero complaints; check consumerfinance.gov directly.
How long can a Commercial National Bank of Texarkana charge-off stay on my credit 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 Commercial National Bank of Texarkana tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Should I dispute with Commercial National Bank of Texarkana directly or with the collection agency?
Commercial National Bank of Texarkana is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to Commercial National Bank of Texarkana puts the question to the party that can actually check it against source documents.
Does Commercial National Bank of Texarkana furnish to Equifax, Experian and TransUnion?
Furnishing is voluntary under the FCRA, so Commercial National Bank of Texarkana — 6 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.
Why does one Commercial National Bank of Texarkana account appear twice on my report?
One account showing twice is a classic conversion artifact. Commercial National Bank of Texarkana has operated since 1964, 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 Commercial National Bank of Texarkana account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Commercial National Bank of Texarkana are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is Commercial National Bank of Texarkana headquartered, and does that affect my dispute?
The home office is in Texarkana, Texas, across 6 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the Office of the Comptroller of the Currency if you need to escalate.
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 Commercial National Bank of Texarkana; 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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