CFPB Consumer Complaint Profile
First Horizon Bank
Consumers have filed 1,480 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 1,480
- Total complaints
- Among the highest
- 168
- Last 12 months
- 99.1%
- Timely response
- Above median
- 43
- States affected
The verdict
First Horizon Bank ranks #258 of 3,843 financial companies by CFPB complaint volume, with 1,480 complaints on record. It posts a 99.1% on-time response rate, the 62nd percentile among companies with 100+ complaints.
- #258
- of 3,843 companies by volume
- 99.1%
- on time (62nd pctile)
- Checking or savings …
- most-complained product
- 43
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
First Horizon Bank vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.1% Higher than most higher than 62% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 162 in 2024 to 149 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2011 | 2 |
| 2012 | 94 |
| 2013 | 74 |
| 2014 | 60 |
| 2015 | 63 |
| 2016 | 70 |
| 2017 | 79 |
| 2018 | 86 |
| 2019 | 73 |
| 2020 | 125 |
| 2021 | 138 |
| 2022 | 131 |
| 2023 | 125 |
| 2024 | 162 |
| 2025 | 149 |
| 2026year in progress | 49 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First Horizon Bank
The CFPB Consumer Complaint Database has logged 1,480 complaints against First Horizon Bank overall, with 168 of those filed in the trailing 12 months. Reports have come from consumers in 43 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Checking or savings account," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Managing an account," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, First Horizon Bank posts a 99.1% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 23.8% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 16.3% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does First Horizon Bank have?
1,480 complaints have been filed against First Horizon Bank with the CFPB overall - 168 of them in the past year.
Does First Horizon Bank respond to complaints on time?
CFPB complaints against First Horizon Bank draw a 99.1% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for First Horizon Bank?
The most complained-about product for First Horizon Bank is "Checking or savings account." You can view the full product breakdown on this page.
What is the most common complaint issue with First Horizon Bank?
Consumers most often cite "Managing an account" when complaining about First Horizon Bank; the full issue list with counts is above.
How do I file a complaint against First Horizon Bank?
You can file a complaint against First Horizon Bank directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about First Horizon Bank?
First Horizon Bank has drawn CFPB complaints from 43 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for First Horizon Bank: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (1,480 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (23.8% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does First Horizon Bank have?
1,480 complaints have been filed against First Horizon Bank with the CFPB overall - 168 of them in the past year.
Does First Horizon Bank respond to complaints on time?
CFPB complaints against First Horizon Bank draw a 99.1% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for First Horizon Bank?
The most complained-about product for First Horizon Bank is "Checking or savings account." You can view the full product breakdown on this page.
What is the most common complaint issue with First Horizon Bank?
Consumers most often cite "Managing an account" when complaining about First Horizon Bank; the full issue list with counts is above.
How do I file a complaint against First Horizon Bank?
You can file a complaint against First Horizon Bank directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about First Horizon Bank?
First Horizon Bank has drawn CFPB complaints from 43 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.