TrustTexas Bank, SSB on Your Credit Report
In short: Headquartered in Cuero, Texas, TrustTexas Bank, SSB is a state-chartered savings institution supervised by the FDIC and its state regulator. Certificate 28515 was issued against a charter dating to January 1, 1921, a charter older than the FDIC itself. At the 06/30/2026 reporting date the bank showed $393 million in total assets and 6 FDIC-reported offices. TrustTexas Bank, SSB 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 TrustTexas Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
TrustTexas Bank, SSB carries FDIC certificate 28515, operates 6 FDIC-reported offices and reported $393 million in assets on its most recent call report in Cuero, Texas.
How TrustTexas Bank appears on your credit report
TrustTexas Bank, SSB furnishes this tradeline directly rather than acquiring it, so the underlying documentation sits with the bank itself. Chartered in Texas and operating 6 FDIC-reported offices, TrustTexas Bank handles disputes against its own records. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and personal installment credit written at its 6 Texas offices
- ◆First-lien residential mortgages and second-lien home-equity credit around Cuero
- ◆Small-business credit backed by a personal pledge
Grounds to dispute a TrustTexas Bank entry
Each of these is a reason a TrustTexas Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment delivered to the Cuero office on time but posted to the next cycle
- ◆Balance not updated to zero after TrustTexas Bank completed the payoff
- ◆Single TrustTexas Bank account reporting twice following a data migration
- ◆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
TrustTexas Bank, SSB 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, TrustTexas Bank, SSB 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 TrustTexas Bank, SSB a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
TrustTexas Bank, SSB questions, answered
Does the FDIC insure deposits at TrustTexas Bank, SSB?
It is insured, and certificate 28515 is the number to quote. The FDIC lists a state-chartered savings institution supervised by the FDIC and its state regulator, headquartered Cuero, TX, chartered January 1, 1921, reporting $393 million and 6 offices as of 06/30/2026.
Who regulates TrustTexas Bank, SSB, and where do I escalate if a dispute fails?
The supervising authority is the FDIC and its state banking regulator. A dispute that fails on both the §611 and §623 tracks despite contrary documentation belongs in front of the CFPB — and FCRA §§616–617 mean litigation remains available. Neither route requires a paid intermediary, whatever TrustTexas Bank tells you.
How many credit-card complaints does the CFPB show against TrustTexas Bank, SSB?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched TrustTexas Bank, SSB 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.
When does a TrustTexas Bank, SSB charge-off fall off my report?
The seven-year window runs from first delinquency on the underlying TrustTexas Bank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
Is it better to go to TrustTexas Bank, SSB or to the collector?
Go to whoever holds the documents. TrustTexas Bank, SSB has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to TrustTexas Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does TrustTexas Bank, SSB report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and TrustTexas Bank, operating 6 offices, may not. Pull all three files and compare. A balance that differs between bureaus usually reflects different refresh dates; a status or first-delinquency date that differs is the real signal worth disputing with TrustTexas Bank.
I see duplicate TrustTexas Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. TrustTexas Bank, SSB has operated since 1921, 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.
Do I need to hire someone to dispute a TrustTexas Bank, SSB entry?
No payment is required. Writing to the bureaus under §611 or to TrustTexas Bank 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 TrustTexas Bank, SSB headquartered, and does that affect my dispute?
TrustTexas Bank is based in Cuero, Texas and reports 6 offices to the FDIC. Location has no bearing on the federal dispute timeline, but it identifies the state banking regulator that shares supervision — useful only once CFPB escalation is on the table.
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 TrustTexas Bank, SSB; 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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