Greater State Bank on Your Credit Report
In short: Greater State Bank operates out of Mcallen, Texas as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 31762 dates to January 1, 1974 — a late-twentieth-century charter. At the 06/30/2026 reporting date the bank showed $180 million in total assets and 6 FDIC-reported offices. Greater State Bank 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 Greater State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Greater State Bank carries FDIC certificate 31762, operates 6 FDIC-reported offices and reported $180 million in assets on its most recent call report in Mcallen, Texas.
How Greater State Bank appears on your credit report
Greater State Bank furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. With a Texas charter and 6 FDIC-reported offices, Greater State Bank adjudicates these disputes internally. 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
- ◆Consumer lines of credit opened at its 6 Texas banking offices
- ◆First-lien residential mortgages and second-lien home-equity credit around Mcallen
- ◆Small-business credit backed by a personal pledge
Grounds to dispute a Greater State Bank entry
Each of these is a reason a Greater State Bank 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 Mcallen office on time but posted to the next cycle
- ◆Account still showing a balance after Greater State Bank processed the final payment
- ◆One Greater State Bank obligation appearing as two tradelines 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
Greater State Bank 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, Greater State Bank 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 Greater State Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Greater State Bank questions, answered
What is the FDIC certificate number for Greater State Bank?
It is insured, and certificate 31762 is the number to quote. The FDIC lists a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, headquartered Mcallen, TX, chartered January 1, 1974, reporting $180 million and 6 offices as of 06/30/2026.
Which regulator oversees Greater State Bank?
Greater State Bank answers primarily to the FDIC and its state banking regulator. 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 Greater State Bank head office in Mcallen is the right address for the written record.
How many credit-card complaints does the CFPB show against Greater State Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Greater State Bank 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 Greater State Bank charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Greater State Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with Greater State Bank and disputing with a collector?
The distinction matters because of who holds the evidence. Greater State Bank originated the account and retains the application and statement history; a collector usually works from a transferred data summary. Disputing under §623 with Greater State Bank reaches the records themselves.
Does Greater State Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Greater State Bank — 6 offices in Texas — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Greater State Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Greater State Bank has operated since 1974, 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 Greater State Bank account myself without paying anyone?
You can, at no cost. The §611 route through the bureaus and the §623 route straight to Greater State 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 Greater State Bank headquartered, and does that affect my dispute?
Greater State Bank is headquartered in Mcallen, Texas, with 6 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 Greater State Bank; 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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