Pointbank on Your Credit Report
In short: Based in Pilot Point, Texas, Pointbank is a state-chartered commercial bank that is a member of the Federal Reserve System. Its FDIC record is certificate 3389, with a charter date of July 13, 1892. That makes it a nineteenth-century charter, so its reporting history predates most of the systems that now carry it. Its 06/30/2026 call report shows $1.16 billion in total assets across 10 reported offices. Pointbank books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through the 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 Pointbank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Pointbank appears in the FDIC's institution directory as certificate 3389, a nineteenth-century charter established July 13, 1892 in Pilot Point, Texas, now reporting $1.16 billion in assets over 10 offices on its 06/30/2026 call report.
How Pointbank appears on your credit report
Treat Pointbank as an original creditor rather than a collection agency — the dispute route is different. A 10-office mid-size regional bank rarely has a dedicated disputes department, so precision in your letter does more work than volume. 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
- ◆Deposit-secured and consumer installment credit written in-branch
- ◆Mortgage and home-equity credit originated in the Texas market
- ◆Consumer accounts originated across its 10 Texas offices
Grounds to dispute a Pointbank entry
Each of these is a reason a Pointbank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Pointbank
- ◆Account settled with Pointbank still reporting the original charged-off balance
- ◆The same Pointbank loan appearing twice after a branch or system consolidation
- ◆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
Pointbank 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, Pointbank 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 Pointbank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Pointbank questions, answered
Is Pointbank FDIC-insured, and what is its certificate number?
Yes. Pointbank holds FDIC certificate 3389. The FDIC record shows a charter established July 13, 1892, headquarters in Pilot Point, TX, and 10 FDIC-reported offices with $1.16 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is a member of the Federal Reserve System, supervised by the Federal Reserve and its state banking regulator.
Who regulates Pointbank, and where do I escalate if a dispute fails?
Pointbank is a state-chartered commercial bank that is a member of the Federal Reserve System, so its primary oversight runs through the Federal Reserve 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 Pointbank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Pointbank 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 Pointbank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Pointbank account. That anchor date does not reset when the balance is charged off, sold, or transferred. A Pointbank tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Pointbank and disputing with a collector?
The records sit in different places. Pointbank 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 Pointbank under §623 puts your challenge in front of whoever can actually check it against source documents.
Does Pointbank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Pointbank's own arrangements. A lender with 10 offices and $1.16 billion in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Pointbank account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
Pointbank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Pointbank 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 this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten.
Can I dispute Pointbank reporting myself, without paying anyone?
Entirely. Nothing about disputing Pointbank reporting requires a paid service. Put the inaccurate field in writing to the bank, send a matching dispute to each bureau, and retain copies. Anyone promising you a specific point increase or a removal timeline is describing something they cannot control.
What should I check first on Pointbank reporting?
Check the delinquency date first, since it controls the reporting window; then account status, which decides how the item is read; then the balance and limit, which drive utilization. With Pointbank, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Verify each against statements in your possession — a dispute anchored to one specific provable discrepancy is the one that moves.
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 Pointbank; 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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