First National Bank Of Commerce on Your Credit Report
In short: Based in Walnut Ridge, Arkansas, First National Bank Of Commerce is a national bank chartered by the Office of the Comptroller of the Currency. Certificate 3896 puts the charter date at March 27, 1919, placing First National Bank Of Commerce in the early-twentieth-century cohort of surviving charters. On the 06/30/2026 call report First National Bank Of Commerce reported $297 million in assets and 6 offices. Since the loans are originated and held by First National Bank Of Commerce itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each bureau. 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 National Bank Of Commerce actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First National Bank Of Commerce is recorded by the FDIC under certificate 3896 as a national bank chartered by the Office of the Comptroller of the Currency, established March 27, 1919 in Walnut Ridge, Arkansas, with $297 million in assets and 6 offices as of 06/30/2026.
How First National Bank Of Commerce appears on your credit report
First National Bank Of Commerce furnishes as the original creditor, which gives you a different and generally stronger route than disputing a collector. A bank in this size range typically runs reporting through a small operations team, which is why a letter identifying one specific field usually outperforms a general demand. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer loans written and serviced in-house
- ◆Home loans and home-equity lines originated locally in Arkansas
- ◆Consumer accounts originated across its 6 Arkansas offices
Grounds to dispute a First National Bank Of Commerce entry
Each of these is a reason a First National Bank Of Commerce tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payoff posted by First National Bank Of Commerce to the wrong account number
- ◆Balance not zeroed after First National Bank Of Commerce accepted a settlement
- ◆Nationally chartered account duplicated 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
First National Bank Of Commerce 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 National Bank Of Commerce 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 National Bank Of Commerce a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First National Bank Of Commerce questions, answered
Is First National Bank Of Commerce FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 3896. That record lists First National Bank Of Commerce as a national bank chartered by the Office of the Comptroller of the Currency headquartered in Walnut Ridge, AR, chartered March 27, 1919, with $297 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates First National Bank Of Commerce, and where do I escalate if a dispute fails?
As a national bank chartered by the Office of the Comptroller of the Currency, First National Bank Of Commerce answers primarily to the Office of the Comptroller of the Currency, with the FDIC as deposit insurer. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against First National Bank Of Commerce?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First National Bank Of Commerce 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 National Bank Of Commerce charge-off stay on my credit report?
About seven years from the original date of first delinquency on the First National Bank Of Commerce loan. Neither a charge-off entry nor a later sale to a collector resets it. If the First National Bank Of Commerce tradeline shows a delinquency date later than your own records support, that is re-aging and it is disputable on its own.
What is the difference between disputing with First National Bank Of Commerce and disputing with a collector?
The records sit in different places. First National Bank Of Commerce originated the account, so it has the application, the statement history and the payment postings. A collector works from a data file it was given, which is usually thinner. Disputing with First National Bank Of Commerce under §623 puts your challenge in front of whoever can actually check it against source documents.
Does First National Bank Of Commerce report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding First National Bank Of Commerce has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
First National Bank Of Commerce was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When First National Bank Of Commerce migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors.
Can I dispute First National Bank Of Commerce reporting myself, without paying anyone?
Yes — entirely on your own and without a fee. First National Bank Of Commerce must investigate a §623 dispute from you just as it would from anyone else. Name the specific inaccurate field, file with the bureaus in parallel, and keep copies. Results depend on the underlying documentation.
What should I check first on First National Bank Of Commerce reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, pull your own statements and check the First National Bank Of Commerce entry field by field. One documented error beats a broad removal request every time.
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 National Bank Of Commerce; 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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