First National Bank of Huntsville on Your Credit Report
In short: First National Bank of Huntsville is a nationally chartered bank supervised by the Office of the Comptroller of the Currency headquartered in Huntsville, Texas. The charter behind FDIC certificate 3269 dates to January 1, 1890 — a nineteenth-century charter that predates every federal credit-reporting statute. As of the 06/30/2026 call report, First National Bank of Huntsville held $585 million in assets and operated 5 FDIC-reported offices. First National Bank of Huntsville 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 National Bank of Huntsville actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First National Bank of Huntsville carries FDIC certificate 3269, operates 5 FDIC-reported offices and reported $585 million in assets on its most recent call report in Huntsville, Texas.
How First National Bank of Huntsville appears on your credit report
First National Bank of Huntsville furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. Chartered in Texas and operating 5 FDIC-reported offices, First National Bank of Huntsville handles disputes against its own records. 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 Huntsville
- ◆Deposit overdrafts and returned-item balances charged off to collection
Grounds to dispute a First National Bank of Huntsville entry
Each of these is a reason a First National Bank of Huntsville tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Huntsville office on time but posted to the next cycle
- ◆Account still showing a balance after First National Bank of Huntsville processed the final payment
- ◆Duplicate First National Bank of Huntsville 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
First National Bank of Huntsville 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 Huntsville 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 Huntsville 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 Huntsville questions, answered
Is First National Bank of Huntsville FDIC-insured, and what is its certificate number?
Certificate 3269 is the FDIC record for First National Bank of Huntsville. It describes a nationally chartered bank supervised by the Office of the Comptroller of the Currency based in Huntsville, TX, with a charter dating to January 1, 1890; the 06/30/2026 call report shows $585 million in assets and 5 offices.
Who regulates First National Bank of Huntsville, and where do I escalate if a dispute fails?
First National Bank of Huntsville answers primarily to the Office of the Comptroller of the Currency. 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 First National Bank of Huntsville head office in Huntsville is the right address for the written record.
How many credit-card complaints does the CFPB show against First National Bank of Huntsville?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched First National Bank of Huntsville 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 Huntsville 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 First National Bank of Huntsville tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
What is the difference between disputing with First National Bank of Huntsville and disputing with a collector?
First National Bank of Huntsville 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 First National Bank of Huntsville puts the question to the party that can actually check it against source documents.
Does First National Bank of Huntsville report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and First National Bank of Huntsville, operating 5 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with First National Bank of Huntsville.
Why does one First National Bank of Huntsville account appear twice on my report?
One account showing twice is a classic conversion artifact. First National Bank of Huntsville has operated since 1890, 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 First National Bank of Huntsville account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to First National Bank of Huntsville 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 First National Bank of Huntsville headquartered, and does that affect my dispute?
First National Bank of Huntsville is headquartered in Huntsville, Texas, with 5 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 National Bank of Huntsville; 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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