Texas National Bank of Jacksonville on Your Credit Report
In short: Texas National Bank of Jacksonville is a nationally chartered commercial bank, headquartered in Jacksonville, Texas. Its FDIC record is certificate 26181, with a charter date of March 19, 1985. As a late-twentieth-century 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 $852 million in total assets across 9 reported offices. Texas National Bank of Jacksonville 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 Texas National Bank of Jacksonville actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Texas National Bank of Jacksonville appears in the FDIC's institution directory as certificate 26181, a late-twentieth-century charter established March 19, 1985 in Jacksonville, Texas, now reporting $852 million in assets over 9 offices on its 06/30/2026 call report.
How Texas National Bank of Jacksonville appears on your credit report
Treat Texas National Bank of Jacksonville as an original creditor rather than a collection agency — the dispute route is different. At $852 million 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. Pin the account down by last four digits and open date, state precisely which field is inaccurate, and mirror the dispute to all three bureaus so the §611 and §623 tracks proceed 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
- ◆Overdraft lines and deposit-linked credit tied to Texas National Bank of Jacksonville checking accounts
Grounds to dispute a Texas National Bank of Jacksonville entry
Each of these is a reason a Texas National Bank of Jacksonville 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 Texas National Bank of Jacksonville
- ◆Charge-off reported by Texas National Bank of Jacksonville after the account was settled in full
- ◆Duplicate Texas National Bank of Jacksonville 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
Texas National Bank of Jacksonville 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, Texas National Bank of Jacksonville 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 Texas National Bank of Jacksonville a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Texas National Bank of Jacksonville questions, answered
Is Texas National Bank of Jacksonville FDIC-insured, and what is its certificate number?
Yes. Texas National Bank of Jacksonville holds FDIC certificate 26181. The FDIC record shows a charter established March 19, 1985, headquarters in Jacksonville, TX, and 9 FDIC-reported offices with $852 million in total assets as of the 06/30/2026 call report. It is a nationally chartered commercial bank, supervised by the Office of the Comptroller of the Currency (OCC).
Who regulates Texas National Bank of Jacksonville, and where do I escalate if a dispute fails?
Supervision of Texas National Bank of Jacksonville sits with the Office of the Comptroller of the Currency (OCC). If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against Texas National Bank of Jacksonville?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Texas National Bank of Jacksonville 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 Texas National Bank of Jacksonville charge-off stay on my credit report?
A charged-off Texas National Bank of Jacksonville account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Texas National Bank of Jacksonville charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Texas National Bank of Jacksonville and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Texas National Bank of Jacksonville's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Texas National Bank of Jacksonville tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Texas National Bank of Jacksonville report to all three credit bureaus?
Not necessarily — reporting is voluntary, and a community 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 Texas National Bank of Jacksonville tradeline as a genuine dispute target.
Texas National Bank of Jacksonville was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, a Texas National Bank of Jacksonville account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute Texas National Bank of Jacksonville reporting myself, without paying anyone?
Entirely. Nothing about disputing Texas National Bank of Jacksonville 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 Texas National Bank of Jacksonville 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 charter from this period was computerised mid-life, and the migration from paper ledgers is a frequent source of date errors, pull your own statements and check the Texas National Bank of Jacksonville 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 Texas National Bank of Jacksonville; 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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