West Texas National Bank on Your Credit Report
In short: West Texas National Bank is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System. The FDIC record lists certificate 22957, a charter dating to 1979, headquarters in Midland, TX, and 13 FDIC-reported offices holding $2.88 billion in assets as of 06/30/2026. When West Texas National Bank reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a bureau. 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 West Texas National Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
West Texas National Bank was chartered September 24, 1979 and is insured under FDIC certificate 22957. It reported $2.88 billion in total assets and 13 FDIC-reported offices on its 06/30/2026 call report — about $222 million per reported office across its TX footprint.
How West Texas National Bank appears on your credit report
West Texas National Bank furnishes its own tradelines rather than selling them to a servicer, and at $2.88 billion over 13 FDIC-reported offices it does so from a single TX operation. A 47-year-old charter of this size often carries accounts through legacy core systems, which is exactly where date and status fields get mangled — so ask in writing what the furnished date of first delinquency is and compare it against your own records.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and share-secured credit lines opened at West Texas National Bank
- ◆Home-equity lines and mortgage accounts serviced under the West Texas National Bank name
- ◆Personal installment loans originated at West Texas National Bank offices
Grounds to dispute a West Texas National Bank entry
Each of these is a reason a West Texas National Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Paid-off West Texas National Bank installment loan still showing a balance after the final payment cleared
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Closed West Texas National Bank deposit-secured line still reporting as an open revolving account
- ◆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
West Texas 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, West Texas 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 West Texas 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.
West Texas National Bank questions, answered
Is West Texas National Bank FDIC-insured, and what is its certificate number?
Yes. West Texas National Bank holds FDIC certificate 22957. The FDIC record shows a charter established September 24, 1979, headquarters in Midland, TX, and 13 FDIC-reported offices with $2.88 billion in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System.
Who regulates West Texas National Bank, and where do I escalate if a dispute fails?
West Texas National Bank is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System, so its primary federal oversight comes from the Office of the Comptroller of the Currency (OCC). If a dispute with the bank and the bureaus both fail, you can complain to the OCC, to the TX state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the West Texas National Bank charter, and why does that matter for my credit report?
West Texas National Bank's charter dates to September 24, 1979, making it 47 years old — modern enough that the FCRA already governed consumer reporting when it opened, but old enough to have been through at least one core-system migration. Those migrations are a common source of duplicated or re-dated tradelines, so if you see two entries for one West Texas National Bank account, dispute the duplicate specifically rather than the balance.
How big is West Texas National Bank, and what does that mean for disputing an account?
West Texas National Bank reports $2.88 billion across 13 FDIC-reported offices — roughly $222 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a West Texas National Bank account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with West Texas National Bank as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what West Texas National Bank can verify, and results vary from case to case.
Does TX law change anything about a West Texas National Bank account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. West Texas National Bank being headquartered in Midland, TX does not make TX law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a West Texas National Bank account stay on my credit report?
About seven years, measured from the date of first delinquency on the West Texas National Bank account rather than from any later event. A charge-off, a sale to a debt buyer, or a transfer of servicing does not reset that clock, and neither does a payment you make now. Pull your report, find the date of first delinquency West Texas National Bank furnished, and if it does not match when you actually fell behind, that discrepancy is disputable on its own.
Does West Texas National Bank appear in the CFPB complaint database?
We do not publish a complaint figure for West Texas National Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 22957, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with West Texas National Bank and disputing with a collection agency?
West Texas National Bank is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to West Texas National Bank; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
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 West Texas 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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