First Commercial Bank, National Association on Your Credit Report
In short: First Commercial Bank, National Association is a national bank chartered by the Office of the Comptroller of the Currency headquartered in Seguin, Texas. The charter behind FDIC certificate 24603 dates to July 1, 1983 — a twentieth-century charter, old enough that legacy account data has been migrated at least once. As of the 06/30/2026 call report, First Commercial Bank, National Association held $566 million in assets and operated 7 FDIC-reported offices. First Commercial Bank, National Association 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 First Commercial Bank, National Association actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Commercial Bank, National Association is listed by the FDIC as certificate 24603, $566 million in total assets and 7 FDIC-reported offices, headquartered in Seguin, Texas.
How First Commercial Bank, National Association appears on your credit report
First Commercial Bank, National Association is the furnisher here, not an assignee, which matters because an assignee usually receives a data file while the originator keeps the paperwork. Chartered in Texas and operating 7 FDIC-reported offices, First Commercial Bank, National Association handles disputes against its own records. Write it down, name the precise field in dispute, and run the §611 bureau route in parallel. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Personal and installment credit booked through its 7 Texas locations
- ◆Real-estate secured credit written in its Texas footprint
- ◆Negative deposit balances charged off and reported
Grounds to dispute a First Commercial Bank, National Association entry
Each of these is a reason a First Commercial Bank, National Association 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 Seguin posted to the wrong account and reported as missed
- ◆Balance not updated to zero after First Commercial Bank, National Association completed the payoff
- ◆Two tradelines for one First Commercial Bank, National Association account after a core-system change
- ◆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
First Commercial Bank, National Association 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, First Commercial Bank, National Association 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 First Commercial Bank, National Association a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Commercial Bank, National Association questions, answered
Is First Commercial Bank, National Association FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 24603. That record lists First Commercial Bank, National Association as a national bank chartered by the Office of the Comptroller of the Currency headquartered in Seguin, TX, chartered July 1, 1983, with $566 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates First Commercial Bank, National Association, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, First Commercial Bank, National Association answers primarily to that regulator. Where a §611 and a §623 dispute both come back "verified" against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against First Commercial Bank, National Association?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First Commercial Bank, National Association 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 First Commercial Bank, National Association charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the First Commercial Bank, National Association account. Charging the balance off, selling it, or transferring it to a servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging, and it is itself an FCRA violation worth disputing.
What is the difference between disputing with First Commercial Bank, National Association and disputing with a collector?
First Commercial Bank, National Association is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. Disputing directly with First Commercial Bank, National Association under §623 puts the question to the party that can actually check it against source documents.
Does First Commercial Bank, National Association report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and a bank operating 7 offices often does not. Pull all three files and compare them. With First Commercial Bank, National Association, a balance that differs between bureaus usually reflects different refresh dates; an account status or date of first delinquency that differs is the real signal worth disputing.
First Commercial Bank, National Association changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. First Commercial Bank, National Association has operated since 1983, and a charter of that age 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 explicitly.
Can I dispute a First Commercial Bank, National Association account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to First Commercial Bank, National Association are free and available to you directly. 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 First Commercial Bank, National Association headquartered, and does that affect my dispute?
First Commercial Bank, National Association is headquartered in Seguin, Texas, with 7 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 First Commercial Bank, National Association; 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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