Southwestern National Bank on Your Credit Report
In short: Southwestern National Bank is a nationally chartered commercial bank, headquartered in Houston, Texas. Its FDIC record is certificate 34319, with a charter date of November 3, 1997. 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 $1.39 billion in total assets across 9 reported offices. Southwestern National Bank 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 Southwestern National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Southwestern National Bank appears in the FDIC's institution directory as certificate 34319, a modern charter established November 3, 1997 in Houston, Texas, now reporting $1.39 billion in assets over 9 offices on its 06/30/2026 call report.
How Southwestern National Bank appears on your credit report
Southwestern National Bank furnishes its own tradelines as the original creditor, which matters for how you write. At $1.39 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. 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. 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 Southwestern National Bank entry
Each of these is a reason a Southwestern National 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 Southwestern National Bank
- ◆Account settled with Southwestern National Bank still reporting the original charged-off balance
- ◆Duplicate Southwestern National 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
Southwestern National 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, Southwestern National 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 Southwestern National Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Southwestern National Bank questions, answered
Is Southwestern National Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 34319. That record lists Southwestern National Bank as a nationally chartered commercial bank headquartered in Houston, TX, chartered November 3, 1997, with $1.39 billion in assets across 9 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Southwestern National Bank, and where do I escalate if a dispute fails?
Southwestern National Bank is a nationally chartered commercial bank, so its primary oversight runs through the Office of the Comptroller of the Currency (OCC). 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 Southwestern National Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Southwestern National 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 Southwestern National Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Southwestern National Bank account. That anchor date does not reset when the balance is charged off, sold, or transferred. A Southwestern National 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 Southwestern National Bank and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Southwestern National Bank's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Southwestern National Bank tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Southwestern National 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 Southwestern National Bank tradeline as a genuine dispute target.
Southwestern National Bank was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Southwestern National 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 Southwestern National Bank reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send Southwestern National Bank a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on Southwestern National 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 Southwestern National 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 Southwestern National 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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