Cypress Bank, SSB on Your Credit Report
In short: Cypress Bank, SSB operates out of Pittsburg, Texas as a state-chartered savings institution supervised by the FDIC and its state regulator. Certificate 31905 was issued against a charter dating to January 1, 1976, a late-twentieth-century charter. As of the 06/30/2026 call report, Cypress Bank, SSB held $236 million in assets and operated 5 FDIC-reported offices. Cypress Bank, SSB 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 Cypress Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Cypress Bank, SSB carries FDIC certificate 31905, operates 5 FDIC-reported offices and reported $236 million in assets on its most recent call report in Pittsburg, Texas.
How Cypress Bank appears on your credit report
Because Cypress Bank, SSB originated the account, it furnishes the tradeline directly and holds the original file. Cypress 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
- ◆Consumer lines of credit opened at its 5 Texas banking offices
- ◆Residential mortgage and home-equity lending in and around Pittsburg
- ◆Charged-off deposit-account balances passed to a third-party collector
Grounds to dispute a Cypress Bank entry
Each of these is a reason a Cypress Bank 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 Pittsburg posted after the due date and reported 30 days late
- ◆Balance not updated to zero after Cypress Bank completed the payoff
- ◆Duplicate Cypress Bank 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
Cypress Bank, SSB 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, Cypress Bank, SSB 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 Cypress Bank, SSB a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Cypress Bank, SSB questions, answered
What is the FDIC certificate number for Cypress Bank, SSB?
Yes — deposits are FDIC-insured under certificate 31905. The FDIC record lists Cypress Bank, SSB as a state-chartered savings institution supervised by the FDIC and its state regulator headquartered in Pittsburg, TX, chartered January 1, 1976, holding $236 million across 5 offices at the 06/30/2026 call report.
My dispute with Cypress Bank, SSB 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 Cypress Bank tells you.
How many credit-card complaints does the CFPB show against Cypress Bank, SSB?
None is listed here, deliberately. An exact-name query against the CFPB credit-card complaint keys produced no match for Cypress Bank, SSB, 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 Cypress Bank, SSB charge-off stay on my credit report?
The FCRA ceiling is roughly seven years from the date of first delinquency on the Cypress Bank, SSB account. Charging it off, selling it, or moving it to a servicer does not restart that clock. If the date of first delinquency drifts forward, that is re-aging — itself an FCRA violation worth disputing.
Is it better to go to Cypress Bank, SSB or to the collector?
The distinction matters because of who holds the evidence. Cypress Bank, SSB originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Cypress Bank reaches the records themselves.
Does Cypress Bank, SSB furnish to Equifax, Experian and TransUnion?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Cypress Bank, with 5 offices around Pittsburg, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Cypress Bank, SSB changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. Cypress Bank, SSB has operated since 1976, 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 Cypress Bank, SSB account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Cypress Bank are both open to consumers directly. Any firm offering to do it is selling convenience, not access — and no outcome can lawfully be promised. Accurate, timely information remains regardless.
Where is Cypress Bank, SSB headquartered, and does that affect my dispute?
Cypress Bank is based in Pittsburg, 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 Cypress Bank, SSB; 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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