The Evangeline Bank and Trust Company on Your Credit Report
In short: Operating out of Ville Platte, LA since its 1933 charter, The Evangeline Bank and Trust Company is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator carrying FDIC certificate 12611. Call-report data filed 06/30/2026 puts the bank at $1.1 billion in total assets and 11 FDIC-reported offices. As an original creditor, The Evangeline Bank and Trust Company furnishes its own data to the credit bureaus, which means you have two independent dispute channels: §611 through Equifax, Experian and TransUnion, and §623 directly to the bank. 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 The Evangeline Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Evangeline Bank and Trust Company appears in the FDIC's institution directory under certificate 12611, chartered January 1, 1933 in LA and reporting 11 FDIC-reported offices with $1.1 billion in total assets on the 06/30/2026 call report.
How The Evangeline Bank and Trust Company appears on your credit report
Scale matters when you dispute. The Evangeline Bank and Trust Company reports $1.1 billion in assets and 11 FDIC-reported offices — small enough that account histories are often reconstructed by hand from branch records in Ville Platte. That tends to make verification slower but more thorough, and it means vague disputes get vague answers. Put the dispute in writing, name the specific field that is inaccurate, and keep a copy of what you sent and when.
Names it may report under
Products that commonly show up
- ◆Overdraft lines attached to a checking account
- ◆Construction and lot loans that convert to permanent financing
Grounds to dispute a The Evangeline Bank and Trust Company entry
Each of these is a reason a The Evangeline Bank and Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Closed The Evangeline Bank and Trust Company deposit-secured line still reporting as an open revolving account
- ◆Agricultural or seasonal line reported late when the renewal was already approved
- ◆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
The Evangeline Bank and Trust Company 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, The Evangeline Bank and Trust Company 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 The Evangeline Bank and Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Evangeline Bank and Trust Company questions, answered
Is The Evangeline Bank and Trust Company FDIC-insured, and what is its certificate number?
Yes. The Evangeline Bank and Trust Company holds FDIC certificate 12611. The FDIC record shows a charter established January 1, 1933, headquarters in Ville Platte, LA, and 11 FDIC-reported offices with $1.1 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates The Evangeline Bank and Trust Company, and where do I escalate if a dispute fails?
The Evangeline Bank and Trust Company is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal 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 The Evangeline Bank and Trust Company?
None that can be attributed with confidence. The Evangeline Bank and Trust Company does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 11-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to The Evangeline Bank and Trust Company would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a The Evangeline Bank and Trust Company charge-off stay on my credit report?
A charged-off The Evangeline Bank and Trust Company 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 The Evangeline Bank and Trust Company 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 The Evangeline Bank and Trust Company and disputing with a collector?
The Evangeline Bank and Trust Company holds the primary file; a collector holds a copy of selected fields. Disputing both matters, but the §623 route to The Evangeline Bank and Trust Company is the one that reaches the original application and payment records, and an inaccuracy corrected at the source should flow through to any derived collection tradeline.
Does The Evangeline Bank and Trust Company report to all three credit bureaus?
Usually yes, though it is worth verifying rather than assuming. Reporting is voluntary under the FCRA, and a bank the size of The Evangeline Bank and Trust Company — 11 offices, $1.1 billion in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding the Evangeline Bank and Trust Company account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
The Evangeline Bank and Trust Company was acquired or changed names — why does my report show two accounts?
Name changes and acquisitions routinely produce this. A converted The Evangeline Bank and Trust Company account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1933, core-system conversions are the usual cause.
Can I dispute The Evangeline Bank and Trust Company reporting myself, without paying anyone?
Yes. Both routes — FCRA §611 through Equifax, Experian and TransUnion, and FCRA §623 directly with The Evangeline Bank and Trust Company — are free and open to you. No one can lawfully promise a specific outcome or score change, and results vary with what the bank can verify. Paid help is a convenience, never a requirement.
What should I check first on The Evangeline Bank and Trust Company reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 93-year-old lender like The Evangeline Bank and Trust Company, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
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 The Evangeline Bank and Trust Company; 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.