Schertz Bank & Trust on Your Credit Report
In short: Schertz Bank & Trust is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Schertz, Texas. The charter behind FDIC certificate 10344 dates to August 13, 1913 — a charter older than the FDIC itself. The 06/30/2026 call report puts Schertz Bank & Trust at $770 million in assets across 6 FDIC-reported offices. Schertz Bank & Trust 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 Schertz Bank & Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Schertz Bank & Trust carries FDIC certificate 10344, operates 6 FDIC-reported offices and reported $770 million in assets on its most recent call report in Schertz, Texas.
How Schertz Bank & Trust appears on your credit report
Schertz Bank & Trust furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. Schertz Bank & Trust is Texas-chartered with 6 FDIC-reported offices, and reviews disputes against records it maintains itself. 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
- ◆Mortgage and home-equity accounts originated in the Schertz market
- ◆Deposit overdrafts and returned-item balances charged off to collection
Grounds to dispute a Schertz Bank & Trust entry
Each of these is a reason a Schertz Bank & Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Schertz posted after the due date and reported 30 days late
- ◆Paid-in-full Schertz Bank & Trust loan continuing to report an outstanding balance
- ◆Duplicate Schertz Bank & Trust 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
Schertz Bank & Trust 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, Schertz Bank & Trust 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 Schertz Bank & Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Schertz Bank & Trust questions, answered
Is Schertz Bank & Trust FDIC-insured, and what is its certificate number?
Certificate 10344 is the FDIC record for Schertz Bank & Trust. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Schertz, TX, with a charter dating to August 13, 1913; the 06/30/2026 call report shows $770 million in assets and 6 offices.
My dispute with Schertz Bank & Trust failed — who do I complain to?
Schertz Bank & Trust 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 Schertz Bank & Trust head office in Schertz is the right address for the written record.
How many credit-card complaints does the CFPB show against Schertz Bank & Trust?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Schertz Bank & Trust 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 Schertz Bank & Trust 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 Schertz Bank & Trust tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
What is the difference between disputing with Schertz Bank & Trust and disputing with a collector?
Schertz Bank & Trust 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 Schertz Bank & Trust puts the question to the party that can actually check it against source documents.
Does Schertz Bank & Trust report to all three credit bureaus?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and Schertz Bank & Trust, with 6 offices around Schertz, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Why does one Schertz Bank & Trust account appear twice on my report?
One account showing twice is a classic conversion artifact. Schertz Bank & Trust has operated since 1913, 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 Schertz Bank & Trust account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to Schertz Bank & Trust 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 Schertz Bank & Trust headquartered, and does that affect my dispute?
Schertz Bank & Trust is headquartered in Schertz, 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 Schertz Bank & Trust; 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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