CFPB Consumer Complaint Profile
First Horizon Bank - West Congress Street Branch
Consumers have filed 256 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
- 256
- Total complaints
- Above average
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 26
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, First Horizon Bank - West Congress Street Branch sits at #776, with 256 complaints logged. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #776
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Checking or savings …
- most-complained product
- 26
- states with complaints
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 - West Congress Street Branch vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 2019 to 2020 complete years
- Annual CFPB complaint volume moved from 40 in 2019 to 11 in 2020 (2019 → 2020).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 8 |
| 2013 | 18 |
| 2014 | 24 |
| 2015 | 34 |
| 2016 | 36 |
| 2017 | 32 |
| 2018 | 53 |
| 2019 | 40 |
| 2020 | 11 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First Horizon Bank - West Congress Street Branch
256 complaints against First Horizon Bank - West Congress Street Branch appear in the CFPB record, including 0 from the trailing year. The 26 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Checking or savings account," which sits at the top of the product breakdown. Inside that category, "Managing an account" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
First Horizon Bank - West Congress Street Branch's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 12.1% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 11.3%.
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 - West Congress Street Branch have?
The CFPB has logged 256 complaints against First Horizon Bank - West Congress Street Branch to date, of which 0 came in over the last 12 months.
Does First Horizon Bank - West Congress Street Branch respond to complaints on time?
First Horizon Bank - West Congress Street Branch has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for First Horizon Bank - West Congress Street Branch?
The most complained-about product for First Horizon Bank - West Congress Street Branch 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 - West Congress Street Branch?
The most common issue reported by consumers about First Horizon Bank - West Congress Street Branch is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against First Horizon Bank - West Congress Street Branch?
You can file a complaint against First Horizon Bank - West Congress Street Branch 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 - West Congress Street Branch?
First Horizon Bank - West Congress Street Branch has drawn CFPB complaints from 26 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 - West Congress Street Branch: 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 dispute rates
Nearest companies by share of complaints marked disputed (12.1% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.