SouthTrust Bank, N.A. on Your Credit Report
In short: Headquartered in George West, Texas, SouthTrust Bank, N.A. is a national bank chartered by the Office of the Comptroller of the Currency. The charter behind FDIC certificate 13919 dates to February 17, 1934. At the 06/30/2026 reporting date the bank showed $579 million in total assets and 8 FDIC-reported offices. SouthTrust Bank, N.A. 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 SouthTrust Bank, N.A. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
SouthTrust Bank, N.A. appears in FDIC BankFind as certificate 13919, headquartered George West, Texas, chartered February 17, 1934, with 8 FDIC-reported offices and $579 million in assets.
How SouthTrust Bank, N.A. appears on your credit report
Because SouthTrust Bank, N.A. originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to SouthTrust Bank, N.A. therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in Texas, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by SouthTrust Bank, N.A. in Texas
- ◆Home-improvement and second-lien lending booked near George West
- ◆Commercial and owner-occupied real-estate credit held by SouthTrust Bank, N.A.
Grounds to dispute a SouthTrust Bank, N.A. entry
Each of these is a reason a SouthTrust Bank, N.A. tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with SouthTrust Bank, N.A. not reflected in the monthly status
- ◆SouthTrust Bank, N.A. account reported in the name of a co-signer who never signed
- ◆Charge-off reported by SouthTrust Bank, N.A. without the underlying itemization on file
- ◆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
SouthTrust Bank, N.A. 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, SouthTrust Bank, N.A. 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 SouthTrust Bank, N.A. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
SouthTrust Bank, N.A. questions, answered
Is SouthTrust Bank, N.A. FDIC-insured, and under what certificate?
Yes — SouthTrust Bank, N.A. appears in FDIC BankFind under certificate 13919. The record shows a national bank chartered by the Office of the Comptroller of the Currency based in George West, TX, with a charter dated February 17, 1934, $579 million in assets and 8 offices at the 06/30/2026 call report.
Who supervises SouthTrust Bank, N.A. if a dispute goes nowhere?
Supervision sits with the Office of the Comptroller of the Currency. When both the §611 bureau dispute and the §623 direct dispute to SouthTrust Bank, N.A. come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the SouthTrust Bank, N.A. head office in George West, Texas.
How many credit-card complaints does the CFPB show against SouthTrust Bank, N.A.?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched SouthTrust Bank, N.A. 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 SouthTrust Bank, N.A. charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date SouthTrust Bank, N.A. last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with SouthTrust Bank, N.A. and disputing with a collector?
Go to whoever holds the documents. SouthTrust Bank, N.A. has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to SouthTrust Bank, N.A. tends to produce a substantive answer rather than a rubber-stamp verification.
Does SouthTrust Bank, N.A. report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so SouthTrust Bank, N.A. — 8 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 SouthTrust Bank, N.A. tradelines — is that allowed?
One account showing twice is a classic conversion artifact. SouthTrust Bank, N.A. has operated since 1934, 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 SouthTrust Bank, N.A. account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to SouthTrust Bank, N.A. under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is SouthTrust Bank, N.A. headquartered, and does that affect my dispute?
SouthTrust Bank, N.A. is headquartered in George West, Texas, with 8 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 SouthTrust Bank, N.A.; 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.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.