Frontier Bank of Texas on Your Credit Report
In short: Headquartered in Elgin, TX, Frontier Bank of Texas has operated since 2007 as a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC lists it under certificate 58509 with $1.1 billion in total assets spread across 11 reported offices as of 06/30/2026. Because Frontier Bank of Texas lends directly rather than servicing another lender's paper, it is the furnisher of record on its own tradelines — which is what gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. 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 Frontier Bank of Texas actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Frontier Bank of Texas appears in the FDIC's institution directory under certificate 58509, chartered June 11, 2007 in TX and reporting 11 FDIC-reported offices with $1.1 billion in total assets on the 06/30/2026 call report.
How Frontier Bank of Texas appears on your credit report
As an original creditor chartered in 2007, Frontier Bank of Texas furnishes directly and holds the source documents for every account it reports. With only 11 offices and $1.1 billion in assets, there is rarely a dedicated credit-reporting department; disputes are commonly routed to lending or operations staff who can pull the actual file. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Personal signature loans underwritten in-branch
- ◆Construction and lot loans that convert to permanent financing
- ◆Deposit-secured personal lines of credit
Grounds to dispute a Frontier Bank of Texas entry
Each of these is a reason a Frontier Bank of Texas tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Closed Frontier Bank of Texas deposit-secured line still reporting as an open revolving account
- ◆Mortgage paid at closing but still showing an outstanding balance with Frontier Bank of Texas
- ◆Branch-acquired account duplicated under both the old and new bank name
- ◆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
Frontier Bank of Texas 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, Frontier Bank of Texas 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 Frontier Bank of Texas a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Frontier Bank of Texas questions, answered
Is Frontier Bank of Texas FDIC-insured, and what is its certificate number?
Yes. Frontier Bank of Texas holds FDIC certificate 58509. The FDIC record shows a charter established June 11, 2007, headquarters in Elgin, TX, and 11 FDIC-reported offices with $1.1 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Frontier Bank of Texas, and where do I escalate if a dispute fails?
Frontier Bank of Texas is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Frontier Bank of Texas?
None that can be attributed with confidence. Frontier Bank of Texas does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 11-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Frontier Bank of Texas would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Frontier Bank of Texas charge-off stay on my credit report?
A charged-off Frontier Bank of Texas account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Frontier Bank of Texas charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Frontier Bank of Texas and disputing with a collector?
A collector's tradeline is secondary — it restates information supplied to it. Frontier Bank of Texas is the source. When you dispute with Frontier Bank of Texas under §623, the investigation runs against the bank's own ledger rather than a purchased summary, so the two routes can produce different outcomes on the same debt.
Does Frontier Bank of Texas report to all three credit bureaus?
There is no single answer that holds for every community bank. Reporting is voluntary under the FCRA, and a bank the size of Frontier Bank of Texas — 11 offices, $1.1 billion in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Frontier Bank of Texas account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
Frontier Bank of Texas was acquired or changed names — why does my report show two accounts?
A rebrand or merger is the usual explanation. A converted Frontier Bank of Texas account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 2007, core-system conversions are the usual cause.
Can I dispute Frontier Bank of Texas reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send Frontier Bank of Texas a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on Frontier Bank of Texas reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 19-year-old lender like Frontier Bank of Texas, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 Frontier Bank of Texas; 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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