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 2026-05-15

1,480
Total complaints
168
Last 12 months
99.1%
Timely response
43
States affected

The verdict

First Horizon Bank ranks #257 of 3,848 financial companies by CFPB complaint volume, with 1,480 complaints on record. It answers 99.1% of complaints on time - above the 93% median for companies with 100+ complaints.

#257
of 3,848 companies by volume
99.1%
answered on time
Checking or savings …
most-complained product
43
states with complaints
First Horizon Bank timely response rate 99.1%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Checking or savings account - Checking account 503
Mortgage - Conventional home mortgage 109
Bank account or service - Checking account 104
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 75
Mortgage - Other mortgage 68
Checking or savings account - Other banking product or service 58
Mortgage - Home equity loan or line of credit 56
Credit reporting or other personal consumer reports - Credit reporting 48
Mortgage - Conventional fixed mortgage 42
Mortgage - Home equity loan or line of credit (HELOC) 39

Top Issues

1.Managing an account 398
2.Trouble during payment process 94
3.Loan modification,collection,foreclosure 91
4.Incorrect information on your report 90
5.Opening an account 76
6.Loan servicing, payments, escrow account 76
7.Account opening, closing, or management 64
8.Problem with a lender or other company charging your account 51
9.Closing an account 50
10.Deposits and withdrawals 40

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
2026 49

Complaints by State (Top 15)

Tennessee 486
North Carolina 151
Florida 144
Louisiana 93
Texas 77
California 65
Georgia 59
Mississippi 34
Virginia 33
Arkansas 31
Maryland 30
South Carolina 25
New York 25
Alabama 21
Pennsylvania 20

Company Responses

Closed with explanation 1,232
Closed with monetary relief 139
Closed with non-monetary relief 52
Closed without relief 45
Closed 6
Closed with relief 5
In progress 1

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 answers 99.1% of forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 23.8% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 16.3% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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?

99.1% of the CFPB complaints against First Horizon Bank get a response within 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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.