R Bank on Your Credit Report
In short: R Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Round Rock, Texas. The FDIC lists it under certificate 58935, established June 22, 2009. As a modern charter, it has been furnishing account data for longer than the modern credit file has existed in its current form. Its 06/30/2026 call report shows $1.03 billion in total assets across 9 reported offices. Since the loans are originated and held by R Bank 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 R Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
R Bank appears in the FDIC's institution directory as certificate 58935, a modern charter established June 22, 2009 in Round Rock, Texas, now reporting $1.03 billion in assets over 9 offices on its 06/30/2026 call report.
How R Bank appears on your credit report
The distinction that matters: R Bank is the original creditor on the account, not a third party that bought it. At $1.03 billion in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. What results depends entirely on what the bank's records show, which differs from account to account.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Texas offices
- ◆Home-equity and mortgage lending secured by Texas property
- ◆Consumer accounts originated across its 9 Texas offices
Grounds to dispute a R Bank entry
Each of these is a reason a R Bank 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 R Bank
- ◆Account settled with R Bank still reporting the original charged-off balance
- ◆Duplicate R Bank tradeline created when the account migrated between core systems
- ◆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
R 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, R 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 R Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
R Bank questions, answered
Is R Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 58935. That record lists R Bank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Round Rock, TX, chartered June 22, 2009, with $1.03 billion in assets across 9 FDIC-reported offices on the 06/30/2026 call report.
Who regulates R Bank, and where do I escalate if a dispute fails?
R Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, so its primary 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 R Bank?
We do not publish a figure for R Bank. A 9-office mid-size regional bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to R Bank would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a R Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the R Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. A R Bank 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 R Bank and disputing with a collector?
The records sit in different places. R Bank 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 R Bank under §623 puts your challenge in front of whoever can actually check it against source documents.
Does R Bank report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a mid-size regional institution may furnish to a subset of the bureaus on staggered cycles. Review all three reports side by side. Treat a balance discrepancy as a likely timing difference, but treat a conflicting account status or date of first delinquency on the R Bank tradeline as a genuine dispute target.
R Bank was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted R Bank account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a relatively modern charter is more often affected by an acquisition or a core-platform switch than by age alone. Identify both versions by last four digits and open date when you dispute.
Can I dispute R Bank reporting myself, without paying anyone?
Entirely. Nothing about disputing R Bank 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 R Bank 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 relatively modern charter is more often affected by an acquisition or a core-platform switch than by age alone, pull your own statements and check the R Bank 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 R 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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