| 12/04/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
Older American |
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TO : CFPB # XXXX & XXXX # XXXX FROM : XXXX XXXX, First Horizon Complainant Case No. XXXX DATE : XX/XX/XXXX RE : My Response to First Horizon Bank Letter Dated XX/XX/XXXX With Attachments provided by First Horizon : Dated XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The first thing, I would like to bring to the attention of these agencies is that for all of the letters dated above and attached to this reply, my company has always been addressed as a ( Doing Business As ) DBA XXXX XXXX XXXX, except for the last letter dated XX/XX/XXXX which does not even list the name of the business. The reason for that is, because after attending an on-line conference, I was told the difference between DBA account and an EIN IRS assigned business entity. And, on XX/XX/XXXX I went to a different bank in a different city and was told that all of the information needed to establish my business account was already on file. At that point the account title was changed to XXXX XXXX XXXX, without the DBA in the caption and no longer filed under my Social Security number. So, for nearly four ( 4 ) years my business account has been improperly labeled as a DBA and because of this I have been excluded from many business opportunities that could have advanced the business as a XXXX XXXX XXXX XXXX when opened in early XXXX. Being that I was a new business account holder I had limited knowledge as to what services the bank could provide to guide and support me as a XXXX XXXX XXXX XXXX. All I knew was I needed the EIN from IRS, get some clients, do the work and provide a service to those in need. Then, in late XXXX, I met Mr. XXXX XXXX through his next door neighbor after his wife had passed and discovered that my skills and services could benefit him as he had recently had a XXXX after his wifes death from trying to survive with taking care of XXXX adult children and XXXX adult grandchildren that were all living in the house with him. It was later discovered through Mr. XXXX that they all lacked the knowledgeable in the handling of an individual with such medical and financial needs. My company, XXXX XXXX XXXX is based upon the non-profit organization that I had just recently retired from when I officially met Mr. XXXX. Which was the XXXX XXXX XXXX where I had been the XXXX for XXXX years. Mr. XXXX needed someone to carry him to his doctor appointments, pay his bill, which were maxed out at nearly {$200.00}, XXXX of debt and to help with shopping for food and preparing it. This is a man that had lived for 40 years next door to my best friend and co-worker. So, this man was not a stranger to me, although we had never officially met as individuals before. After several months of helping him with going to XXXX XXXX keeping all of his medical appointments in a timely manner and cooking him good nutrition and well-balanced meals, Mr. XXXX became attached to me and we began spending more and more time together. Then, a more than personal relationship developed, as I became attached to him. He had made a full recovery and was so grateful for all the help I had provided that he asked me to move in with him. So, he decided that he did not want to go home where he and his wife had lived for XXXX years and stay there with XXXX adult children and XXXX adult grandchildren, with only XXXX working out of the XXXX ( XXXX ). So, we decided to get an apartment and live together and we both signed the lease on XX/XX/XXXX. Mr. XXXX was a very educated man ; he was a XXXX XXXX and XXXX XXXX XXXX Soon, I was tested by him for my honesty in the handling of his financial affairs and after proving my integrity he decided one and a half years later to transfer his money from his bank to the bank where I had my accounts, the then XXXX XXXX XXXX with a {$59000.00} deposit, at which time he granted me the Durable Power of Attorney ( POA ) and nearly one additional year later he added me as the Paid-On-Death Beneficiary, received and stamped as accepted XX/XX/XXXX. During this time I introduced him to the bank staff that had come to know me very well. And, soon they knew him by voice and site when ever he needed assistance and I was not available to go with him or handle it for him. The durable power was to allow me to handle both his finances and his medical decisions. With the medical decisions to only be activated once a medical diagnosis deemed him to be XXXX by a XXXX rendering him XXXX and/or XXXX XXXX. It granted me the specific power to make those decisions, but only once he had been declared XXXX by XXXX and/or XXXX XXXX. This was a Durable Power of Attorney which was executed at XXXX XXXX XXXX by one of their own notaries. The original was handed back to him on that day and the signature card was updated to show me as the POA on XX/XX/XXXX. And, from that day forward I was allowed to make deposits, make withdrawals, make transfers and for the next 2.5 years the branch manager or her assistant always signed off on all transactions made by me involving XXXX and XXXX. And, all during this time I never received any invitation nor have I ever been offered to attend any business conferences as a business owner by the bank. I had other customers many of whom were out of town and kept me going from state to state. I would carry Mr. XXXX with me most of the time and he enjoyed the traveling. I always kept the branch manager apprised of my movements on behalf of the business, because I shared all of my business experiences of helping others with her. She always commended me and told me what a great thing I was doing by helping those people, but never offered any business information to help me advance the company. And, she could see by my business account how much of my monies earned were going for business expenses and it would have been great to have some help.
All was going well with MrXXXX XXXX until at some point in late XXXX, nearly {$7000.00} came up missing from his personal bank account ending in XXXX. He questioned me about it and of course I assured him I would never take anything from his account without his permission. So, he asked me to look into the matter. And, with him present on speaker phone, I called the banks security number. While on speaker phone, security advised that he go to the bank the next day and close that account and open a new one. So, he sent me and the bank staff who knew me personally, as I frequently was there throughout the month for both myself, the business and Mr. XXXX. And, I would always have them call him and let him know I was there. Well, that security instruction was never carried out by the branch manager. Because when I told her what security had said, she told me, no that is not the way to handle that. I will just open a new account and put some money in there so his pension and social security benefits can keep going into the first account ending in XXXX. And, the branch manager called him while I was there and told him what she had done. Neither of us questioned her actions and neither did we ever hear back from security. I was remarkably busy traveling and helping my other clients so we just decided to let security handle it and they would get back with him. But, to my knowledge security never called back with an explanation and whenever I would inquire about it to the branch manager she would say they are working on it. So, we never found out what happened to the {$7000.00}. Time went on and before you knew it we were in XX/XX/XXXX celebrating and looking forward to yet another year together. In XX/XX/XXXX he had asked me to marry him, for more than one time and this time I said yes, but with a condition. The condition was he had to complete his last payment of nearly {$4000.00} to IRS which was the end of a long journey from my having navigated him through {$40000.00} of delinquent taxes inherited from his wifes mishandling of their IRS tax account. So, we agreed and set a plan in motion. I also agreed to have XXXX XXXX as we had planned a 7-Day cruise for the honeymoon. I shared all of this information with the branch manager and showed her the wedding rings. I was congratulated on my accomplishments with helping Mr. XXXX to overcome some nearly {$200.00}, XXXX worth of debt and become debt free, just as myself. And, yet no one ever offered me any guidance on how to prosper my business as a minority business owner. But, then the only doctor Mr. XXXX trusted to do my XXXX was located in XXXX TX where I had already had 2 other XXXX. I had shared all of this with the branch manager. She knew everything, as I had shared my business and personal life with her, as though she was my mother. So, I left going to Texas to have the XXXX on XX/XX/XXXX.
And, on XX/XX/XXXX XXXXr. XXXX had supper with his son at his sons apartment. And, by late evening XX/XX/XXXX he became so ill that he had to be transported to the Emergency Room. Long story short, we had the same primary care doctor, who was the admitting doctor and also knew I was in Texas preparing for the XXXX, because she had ordered it. By XX/XX/XXXX after Mr. XXXX had had XXXX surgeries the doctor reported to me that Mr. XXXX was becoming quite confused and she wanted to know if he had a power of attorney, because he was going to have another XXXX and might need someone to sign for him. The doctor then asked if I could sign for him? I replied yes, but I can not make any medical decisions for him unless he has become too incapacitated to make decisions for himself. I then, asked if she could have him evaluated to determine his mental status. She replied yes. And, then on XX/XX/XXXX the attached medical records will show that not only had his mental status changed, but also that without his XXXX XXXX he was XXXX XXXX. And, because his XXXX XXXX had been stolen from his hospital room along with his eyeglasses, his drivers license, wallet, and bank debit card with the PIN sometime on or about XX/XX/XXXX. And, then on XX/XX/XXXX, on the same day of the mental status evaluation, I contacted XXXX XXXX XXXX XXXX to see if he had any insurance coverage to replace those XXXX XXXX. The theft report had been taken by both the hospital administrator and the security office. The medical XXXX status report was done at approximately XXXX XXXX on XX/XX/XXXX. The doctor then informed the children that the girlfriend was out of town to have XXXX but that she had produced a POA giving her authorization to act on his behalf if and when he became incapacitated and could not sign for himself. Then, at approximately XXXX p.m. that same day XX/XX/XXXX, the children showed up in Mr. XXXX hospital room while confined to the bed, as testified by that retained attorney to the Tennessee XXXX XXXX XXXX XXXX ( XXXX ) who had drafted the 2nd Durable Power of Attorney ( DPOA ) which was meant to revoke the one the girlfriend had been granted. And, that is the one the son carried around with him to show he was now the new attorney-in-fact. So, the son presented it to the doctor and used it to sign for the fathers last XXXX of having a XXXX XXXX XXXX, a XXXX he vowed he would never agree to, which would put him on XXXX 3x a week. The son used it to take the father to his apartment instead of allowing him to return to our apartment. And, the son used it to file a XXXX XXXX XXXX against me claiming I had abused his father. Once I returned from XXXX and with two trips to the court and out of nearly {$3000.00} the case was dismissed in my favor. But, note the son did not take the new DPOA to the bank until more than one month after it had been allegedly signed by XXXX XXXX and only one ( 1 ) day after I had made the 2nd transfer on XX/XX/XXXX, wherein he then had attached an Affiant statements saying his father had granted him the authority to act on his behalf through the new revocation of the durable power of attorney. The son went to the bank without the father, who was still alive and with an affiant statement attached presented the 2nd DPOA dated XX/XX/XXXX. The bank notary, notarized the document and dated it on XX/XX/XXXX. Afterwhich, that bank customer service representative apparently accepted the document as valid, opened up Mr. XXXX bank record and then printed out all of the account information associated with XXXX XXXX account ending in XXXX. Within that information released was the transfers made from that account to my business account ( XX/XX/XXXX {$5000.00} signed by the branch manager and XX/XX/XXXX {$55000.00} signed by the branch manager ).
The bank records department had not received the documents. And, the bank has since admitted they do not have any such stamped Revocation of a Power of Attorney on file in their records on behalf of Mr. XXXX. Also, they have admitted they never had a Court-Order appointing the son over the fathers bank account while the father was still alive, as had been previously told to me as the reason they had released the money to the son/probate court. And, keep in mind XXXX XXXX was alive up until XX/XX/XXXX and I was in constant contact with the branch manager even all the time I was out of town, up to and through my recovery and even after I had returned home. So, after Mr. XXXX death and I had gotten a copy of his death certificate, I carried it to the bank where the branch manager knew me and I asked to be allowed to collect any monies due, as I was listed as the POD on Mr. XXXX account. The branch manager told me, no, he did not leave you anything. I insisted he did because I was with him when the signature card was updated. And, she insisted he did not and that was the end of that conversation. So, I got up and left the bank. My next step was to file a complaint with the Office of the Comptroller of Currency and it was forwarded to The Federal Reserve Board who then had me to file with the Consumer Financial Protection Bureau.
Now, I will reply to the banks letter dated : Paragraph 1 Page 1 I can find no other reason why the bank would have treated me so unfairly as a new business owner, other than the fact I am a XXXX XXXX XXXX XXXX ( XXXX ) and that their branch manager would have been able to help me prosper my business if the bank had reached out to help me. Because, none of the reasons they have provided as to why they froze my business account for nearly sixty plus days and denied me the Paid-On-Death Benefits signed by XXXX XXXX who left it for me, was denied by the bank. Their reasons provided are not true statements and I have attached documents to support my position : Please see the exhibits : 1 ) The original Durable Power of Attorney dated XX/XX/XXXX 2 ) The signature cards 3 ) The second Durable Power of Attorney dated XX/XX/XXXX 4 ) The Medical Report dated XX/XX/XXXX shows incapsitated diagnosis before signing just 3 hours before the attorney showed up 5 ) My attorneys email obtaining a copy of 2nd DPOA date XX/XX/XXXX XXXX ) Death Certificate DOD XX/XX/XXXX Note dates of the Physicians Signature & Registrars Signature 7 ) Court Order assigning son as the Administrator was not until XX/XX/XXXX, where the estate was opened two months after the fathers death 8 ) And, that the attorney is being admonished by the bar for drafting the 2nd DPOA as a revocation of a POA without adhering to the State of Tennessee Rule of L aw thereby causing that document to be ( INVALID/VOIDABLE ).
9 ) All letter submitted to me by the banks representative, Ms. XXXX XXXX XXXX /s/
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| 07/31/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Please find below a summary of the key events that occurred, in timeline form. The same information in a more-readable format can also be found in the attached " XXXX XXXX CFPB '' PDF.
XX/XX/XXXX On the above captioned date, I opened a High Interest Checking Account and Statement Savings account at XXXX XXXX XXXX, GA branch. I informed the banker that I wanted to take advantage of the new account promotions they had going on at the time. The bonuses and corresponding terms were broken down as follows : {$400.00} bonus for High Interest Checking Account : To qualify for {$400.00} Cash Bonus : Primary signer must be a new checking client to XXXX who ( 1 ) Opens a new High Interest Checking account with a minimum {$100.00} deposit balance with new money not currently held by XXXX ; ( 2 ) Maintains a daily minimum balance of {$5000.00} or more within 10 days of account opening ; ( 3 ) Has {$2000.00} or more of combined direct deposit per statement cycle made to this account within 60 days of account opening ; AND ( 4 ) Account remains active for at least six months.
{$150.00} bonus for Statement Savings Account : The primary signer must be a new consumer savings client to XXXX who 1 ) Opens a new Statement Savings account with a minimum {$50.00} deposit balance with new money not currently held by XXXX ; AND 2 ) Deposits and maintains a daily minimum balance of {$15000.00} or more within 10 days of account opening for 90 days from the date of deposit.
{$50.00} bonus for opening both a checking and savings account : To receive the extra {$50.00} : You must complete all requirements for BOTH the checking and savings bonus. After you have completed all requirements, we will deposit the remaining bonus due in your checking account within 10 business days.
The accounts were opened in the branch. I asked the banker if I needed to make any deposits at that time, but was told I had 10 days to make the required opening deposits.
XX/XX/XXXX Within the 10 day time period, I met the opening deposit requirements and daily minimum balance requirements for the bonuses with the following deposits : A {$5000.00} transfer from my external bank account was posted to the checking account A {$15000.00} transfer from my external bank account was posted to the savings account XX/XX/XXXX Despite having met the minimum balance requirement within 10 days and maintaining greater than a {$5000.00} balance in my checking account for the rest of the statement cycle, which ended on XX/XX/XXXX, I was charged a $ 20 monthly service fee.
XX/XX/XXXX Before the {$20.00} service fee was errantly charged, I initiated a transfer of {$1500.00} from my XXXX XXXX checking account to my external bank account. This should have resulted in an account balance of {$5000.00}.
XX/XX/XXXX I checked my online account and realized I was charged the {$20.00} service fee on my checking account. I immediately called the banker who opened my account, who acknowledged the mistake, apologized, and reversed the service charge.
The mistakenly charged {$20.00} service fee caused by balance to temporarily drop to {$4900.00} from XX/XX/XXXX until the service fee was refunded on XX/XX/XXXX.
XX/XX/XXXX I received the {$150.00} bonus for the Statement Savings account, as expected, exactly 90 days after my XX/XX/XXXX deposit. This indicates all terms of both the Consumer Products Consolidated Disclosures Truth in Savings Disclosure and the Bonus Addendum ( both attached ), including the minimum opening balance requirements, were met successfully.
XX/XX/XXXX After not receiving the expected {$400.00} checking and {$50.00} checking/savings bonuses, I called the banker who opened the account. They informed me I didnt receive the bonuses because I didnt meet the bonus requirement of maintaining a daily minimum balance of {$5000.00}. I pointed out that this was only because I was mistakenly charged the previously mentioned {$20.00} service fee by the bank, so that shouldnt preclude me from receiving the bonus since it was an error by the bank. The banker told me she would have someone reach out to me. Later in the day, I received a call from the assistant branch manager, who reviewed the facts of my case and told me they would have to contact the back office.
XX/XX/XXXX I received a call from the assistant branch manager who informed me I didnt receive the bonus because I didnt meet the requirement of opening the checking account with a minimum {$100.00} deposit. While untrue and a departure from what I was told the previous day, I dont believe this is why I didnt receive the bonus for the following three reasons : 1. The relevant terms of the Consumer Products Consolidated Disclosures/ Truth in Savings Disclosures match the terms of the Bonus Addendum. Specifically, the Consumer Products Consolidated Disclosures/Truth in Savings Disclosures requires a deposit of {$100.00} to open the High Interest Checking account. As seen in the terms of the Bonus Addendum, it requires the same {$100.00} deposit. The fact that the account was successfully opened proves that these terms were fully met.
2. The High Interest Checking Account and Statement Savings accounts were opened on the same day and funded on the same day. According to the Bonus Addendum, both accounts have the exact same minimum deposit terms, with the sole exception that the checking account requires {$100.00} while the savings account requires {$50.00}. See the terms in the attachment, or in the second and third paragraphs under the XX/XX/XXXX notes above. The fact that Statement Savings bonus was received proves the deposits made on XX/XX/XXXX satisfied the minimum deposit requirements of both accounts.
3. The banker who opened the account explicitly told me I had 10 days to fund the account to meet the terms of the Consumer Products Consolidated Disclosures/Truth in Savings Disclosures and the Bonus Addendum.
In summary, I satisfied all of the requirements necessary to qualify the {$400.00} bonus for High Interest Checking Account and the {$50.00} bonus for opening both a checking and savings account, but did not receive either of them. I believe the checking bonus was not triggered by the banks system because of the errant {$20.00} service fee that was mistakenly charged by the bank, which should not preclude me from receiving the bonus. I believe the {$50.00} bonus for opening both a checking and savings account was not triggered by the banks system because the checking bonus was not triggered. Therefore, since everything was done on my part to satisfy the bonus requirements, a fair resolution would be for XXXX XXXX to credit my account {$450.00} for the missing bonuses.
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| 06/08/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Confusing or missing disclosures
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Web |
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On XX/XX/2021 Between XXXX-XXXX I walked in the Iberia Bank Located In XXXX, As a new potential free Bussiness Checking Opportunity .I was asked by XXXX How May we Help you? I told her i wanted to open an Account .XXXX directed me to her desk to sit .XXXX At first started to ask me a couple of Questions about our establishment Mind you i thought it was proper banking protocol, but XXXX began to start making me feel ( LeaningForward ) uncomfortable moving forward she continued to antagonize and Provoke me with XXXX intimidated Gestures. XXXX collected My Identification card, XXXX XXXX Verify Letter and made copies and printed out the XXXX XXXX ( Articles of corp ) on the computer Laid out in front of Me on the desk XXXX had me write sensitive info my ssn, phone number email. She had me under the impression i thought we was going to continue to move forward with the account processing XXXX handed me a card W/ XXXX XXXX to let my secretary of the company to contact her with her social over the phone and to also come in with her signature which was understandable, But XXXX did not make the professional impression as a senior representative she began to act very disoriented towards me as a young XXXX female XXXX XXXX minority, XXXX made structural racism remark to me with an under tone with her voice low uncomfortable systemic XXXX bias question : Who told you about this bank? How did you know about this bank? where did you find this bank out at! A first intent of me clueless, dumbfounded i was shocked due to lack of XXXX bias discriminatory Bias treatment, i got at Iberia branch located in aventura .so i began to grab my belongings to exist the bank upon my arrival at the office i gotten a call from XXXX directly Approx. 30 min later after this time XXXX began to talk to me in a harsh tone i was confused on the phone XXXX ask me to provide her a physical address for the nonprofit i Already provided her the proof she needed prior leaving the bank i told XXXX that is our operating headquarters XXXX abruptly got so furious voice tone over the phone because i wouldn't Discuss nor break or violate or breach our organizational rules and client privilege 's matters with her over the phone so then XXXX told me upon closing the call that she will have to speak to her supervisor XXXX About this matter XXXX unprofessionally continued to coerce me thru the phone as if i needed to provided the required info and XXXX made a remark address towards me and said we are under the federal reserve, later on that day i went back to the iberiabank location in XXXX, fl around XXXX-XXXX to go speak and report to a branch supervior that evening upon my arrival i walk to ms XXXX desk and stood and asked her Respectfully can i have my papers w/ my sensitive info she had sitting on her desk uncompleted Immediatly i knew XXXX was not a Good fit or candidate as a Senior Rep for me to work with our company to open up a new bussiness account with that bold poor - discrimination, service she rendered thru - out the day .i once again ask XXXX may she give my sensitive papers she refused she tore-off ( ripped a piece of the paper and gave it to me from XXXX behavior did not show professionalism at all .But refuses to hand over all my paper works violating my consumers protection and community development making sure the common American citizen has protection against fraud and predatory institutions. now i was getting concern and Now Feeling a bit confusing into what was going on i quickly request for a supervior upon following XXXX to XXXX office she hands over my copied paperwork with my sensitive information over to her supervisor intercepted the conflict and she also knew what ms XXXX was doing thru out the day was wrong upon my second arrival coming but all together ms XXXX the supervisor knew well enough that ms XXXX was trying to play a demographic systemically XXXX confusion .All my paperwork 's were in order to open up a new business account As anybody Else that was as priveledge. Technically i got denied services, discourage me from being there to open up a account as a young XXXX female XXXX minority harressed & coerce into giving information that is not listed on public records .threated by a bank official being protected federal reserve as if i didnt have a place for growth and stimulate economic opportunity as a XXXX women i always wondered why there were these differences i can necessarily pin point just to see the proof of stratification economics i realize as a potential consumer there was no diversity mannerism coming from that bank institutions the over majority of explorations of XXXX disparities in economics outcome remain deeply tied to that view of race as an exogenous varaiable. in the hands of far too many economist it remains with the assumption that XXXX americans are stereotyped inferior until proven otherwise it places economists alone outside the mainstream of all other XXXX social science it is the constant micro aggression that XXXX American economist endure today. Apparently XXXX and supervisor XXXX at iberia bank location at XXXX model Representation that has race as exogenous, XXXX difference it was openly displayed to bring awareness of this matter .The model begins with a fallacy that assumes XXXX differences as a natural order .it biases there is a bulit in excuse for disparities that can not be solved too many XXXX are great at excusing themselves when policies they propose exacerbate XXXX disadvantage because of the worldview today, truth is XXXX and supervior XXXX position themselves to created a XXXX Hostile impacted environment. the structure and policy IberiaBank needs to be reevaluated on how to conduct the treatment of all diversity customers or become a prospect customer that would like to become member for there bussiness structure in the future that attitude will not be acceptable No person should feel like they are being violated In Any Way Federally Locally or Civilly this is not way a human being should be treated Respect is Due To everyone No matter where you come from in life. due to the heightened scrutiny was taliored out for indirect & direct discrimination morally questionable of ms XXXX & supervisor XXXX actions have bred XXXX tensiond and stigmatize the people they are intended to help .i do believe those two employees at iberia bank undermine the notion that XXXX preference still exists and need to be address as a consumer my rights were totally violated completely where now im suffering mental anguish over this sadden outcome. i feel so humiliated after this ordeal.
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| 06/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I have sent XXXX letters of complaint to the Office of the President at First Horizon Bank.
The first on XXXX XXXX and another on XXXX XXXX.
XXXX XXXX XXXX CEO Office of the President XXXX XXXX XXXX XXXX Tennessee XXXX XXXX By email & post XXXX XX/XX/XXXX Complaint Dear XXXX XXXX XXXX : ********************* I write to complain in the strongest possible terms at the unacceptable level of service that has been received from First Horizon following XXXX XXXX damage to our property.
My husband XXXX & I live in XXXX, but have a home in XXXX XXXX, Florida on which First Horizon holds a mortgage.
XXXX XX/XX/XXXX - our home was struck by XXXX XXXX, causing extensive damage resulting in the necessity of a completely new roof and other structural repairs.
XXXX XXXX- we flew over to Florida to assess the situation.
XXXX XXXX- entered a claim with our Insurers XXXX - Claim # XXXX XXXX XXXX - Loss Assessor assessed extent of damage and confirmed scope of repairs needed.
We flew back to XXXX.
Interim cheque from XXXX for {$9100.00} issued.
XXXX XXXX interim cheque received in XXXX and sent to First Horizon ( FH ) for endorsement.
XXXX XXXX cheque received and signed for at FH.
XXXX XXXX email sent to FH asking for an update.
XXXX XXXX reply from FH stating cheque would be sent out that day and asking for a copy of XXXX Assessors report. I telephoned FH to check where cheque would be sent.
See attached invoice from XXXX XXXX for the phone call.
XXXX XXXX - Copy report emailed to FH Loss Draft Dept.
XXXX XXXX email from FH Loss Draft Dept confirming receipt.
XXXX XXXX emailed FH chasing cheque see attached.
XXXX XXXXr FH finally responded saying that for security and privacy they could not provide any information and suggested that I ring.
We had to use our personal savings to transfer money to USA to pay the roofing Company.
XXXX XXXX email FH saying that I wanted someone to ring me as it was over XXXX weeks since I was supposedly sent my cheque.
XXXX XXXX I received XXXX x letters from FH both dated XXXX XXXX but post marked XXXX XXXX arriving over XXXX weeks later than posted and over XXXX weeks later than created.
Why such a deplorable delay?
Ironically XXXX of the letters states, We hope to assist you with repairing the property as quickly as possible Some hope!
Out of sheer frustration I rang FH and spoke at length to the Loss Draft dept who told me that our cheque had been returned to them on XXXX XXXX as undeliverable. They had apparently left a message on our telephone number in Florida despite knowing that we lived in XXXX and that is where the cheque was supposed to be going.
If I had not rung it would still be there! I was rightly, as you will agree, beyond angry!
FH clearly failed to provide a satisfactory standard of service.
I asked that the cheque be sent out again and ensured that they had the correct XXXX address. I was then transferred to a Customer Service Supervisor, XXXX, who apologised for the ongoing debacle, assured me that the cheque would be sent out as a matter of urgency. She also suggested that I write in with my formal complaint. I told her that I was expecting further cheques from Insurers and did not want the same thing to happen again.
I was on the phone for over an hour! See attached invoice from XXXX XXXX for the phone call.
XXXX XXXX yet another email to FH enquiring about the whereabouts of the cheque which was supposed to have been sent out by FH as a matter of urgency and still not received XXXX weeks later.
XXXX XXXX having had no reply to my email of XXXX, I emailed FH to make further complaint that I had been waiting for this cheque for 3 MONTHS and to ask about their Complaints Procedure.
XXXX XXXX email to FH requesting the courtesy of a response.
Deafening Silence!
XXXX XXXX cheque finally arrived attached to a letter from FH dated XXXX XX/XX/XXXX but because it had not been presented ASI put a stop on it on XXXX XXXX and reissued it.
I am still awaiting the replacement cheque and so this will have to happen all over again with cheques bouncing back & forth over the XXXX!
It is now XXXX weeks since our home was damaged and we are no further forward and it is down to the ineptitude and prevarication of FH.
All this time FH has been able to send us several Mortgage Statements and notices of Interest Rate change stating that my mortgage is going up by {$200.00} or so, so why has it not been able to do a simple task of endorsing and returning XXXX cheque?
I am so genuinely very XXXX XXXX and obviously distressed at, not only the mental, but the financial burden that all of this has placed upon myself and my husband through no fault of our own.
Not only have we suffered the damage to our house we have been made to suffer further by FHs failure to operate in a professional or efficient manner and to deal with the matter in a timely manner.
As an ex XXXX XXXX in Her Majestys government, I am appalled at the laisez-faire attitude of FH I am seeking an offer of recompense from FH for all the time ( XXXX hours and counting ), costs and angst that we have had to bear due to the direct failure of FH to provide a level of service that one could reasonably have expected it to provide. Also, some clear assurance that it will improve.
Your advices awaited.
Yours sincerely ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ By email & post XXXX XX/XX/XXXX Complaint Dear XXXX XXXX XXXX : I originally wrote to you on the XXXX of XX/XX/XXXX about the unacceptable level of service that we had received from First Horizon following XXXX XXXX damage to our property.
On XXXX XXXX I have received a very curt response from XXXX XXXX of your office asking for 30 days to investigate. She advised that we thereafter then receive a response as the matter had been escalated to the Office of the President.
Deafening silence! It would appear to have been filed, certainly not escalated.
I have phoned your offices on several occasions and have always been assured that someone will be in contact but I have heard nothing.
I wish to receive a letter of apology along with an offer of recompense within the next 21 days whereafter I will refer the matter to the Consumer Financial Protection Bureau for them to deal.
Your urgent advices awaited.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ First Horizon 's eventual response was factually incorrect and dismissive.
They have acted in a truly abhorrent, deceitful and unprofessional way and I want them reprimanded and made to offer an apology and fair compensation.
|
| 02/23/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
Older American |
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My name is XXXX XXXX XXXX. I am XXXX XXXX XXXX and a widow. My late husband and I were married for 43 years. He forged my signature on a first mortgage with the XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX in XXXX, FL while I was out of XXXX A HELOC in the amount of {$100000.00} was accessed that same day. On XX/XX/XXXX he executed a second HELOC with The XXXX XXXX XXXX XXXX as Trustee for First Horizon Mortgage XXXX XXXX for {$490000.00} which included a payoff for the XX/XX/XXXX HELOC. I was in Alabama and Georgia on both dates taking our daughters to their respective universities and have irrefutable proof of that in the form of witnesses, original credit card statements, and my day planner describing my activities and hotel confirmation numbers etc. The aforementioned banks know this to be true as a result of the 7 years of litigation that followed his death.
My husband, XXXX XXXX XXXX was and attorney in XXXX, FL for 40 years. He XXXX XXXX on XX/XX/XXXX. Afterwards I discovered that between XXXX and his death he'd secretly forged my name on 14 mortgages, 23 bank and brokerage accounts, income tax returns, 23 annual bank financial statements and numerous contractual agreements with individuals and corporations. Following his death I was advised to file a XXXX XXXX Bankruptcy for Individuals. The bankruptcy plan disputed the HELOC dated XX/XX/XXXX.
The following timeline will explain the events that took place concerning these 2 loans as will a memorandum of law my attorney recently submitted to the court that I uploaded to your website.
1. XX/XX/XXXX. During a title search on our home I became aware of the possibility that a second mortgage in the form of a HELOC may have been taken out on XX/XX/XXXX with First Horizon Bank. I called the bank and asked for information about this loan. I was told that the bank did not have a loan file, original mortgage or promissory note.
XXXX. XX/XX/XXXX. My husband died.
XXXX. XX/XX/XXXX. The XXXX XXXX XXXX initiated a XXXX XXXX for Individuals Bankruptcy case on my behalf. First Horizon made a claim for {$500000.00} which was disputed by the plan. The plan agreed to pay the first mortgage with the XXXX XXXX XXXX XXXX XXXXXXXX. Unfortunately I hadn't discovered that mortgage was also a forgery until after the plan was approved.
XXXX. XX/XX/XXXX. I put my home up for sale and had many showing but no offers due to potential buyer concerns over issues with the title.
5. That same month first mortgage holder, the XXXX XXXX XXXX XXXX XXXXXXXX began pre foreclosure proceedings. This negatively impacted the value of my home.
XXXX. XXXX. I applied for a Reverse Mortgage through XXXX XXXX XXXX. The agent 's name is XXXX XXXX XXXX. He advised me that the HELOC was not on my credit report but did come up in a title search. He requested a payoff amount 3 times over a 4 week period and received no response from First Horizon. An attorney in XXXX XXXX 's title department reached out to XXXX XXXX and was told they did not respond to the payoff request because they had no record of the loan.
7. XX/XX/XXXX. I agreed to sell my house but the closing agent was unable to get a payoff number from XXXX XXXX so the buyer withdrew. I had received an unsolicited bank appraisal from First Horizon valuing my house at $ XXXX.
XXXX. XX/XX/XXXX. My attorney, XXXX XXXX XXXX was successfully defending me in the foreclosure and reached a mediated agreement with both banks that would clear the title and allow me to sell the house. First Horizon ( the HELOC ) agreed to escrow the payoff amount, although a figure was not provided, until the litigation concluded and XXXX XXXX XXXX XXXX XXXX, having recognized my signature had been forged on both loans, agreed to withdraw the foreclosure for 6 months.
XXXX. XX/XX/XXXX. During discovery First Horizon had admitted in writing that they did not have an original mortgage or promissory note. Florida requires these documents to establish a a mortgage loan debt. First Horizon failed to file an affidavit of a lost instrument in a timely manner and the statute of limitations governing this expired. My attorney subsequently filed a Motion for Summary Judgment and the court approved an affirmative defense in this matter and scheduled a hearing for XX/XX/XXXX.
10. XX/XX/XXXX. I signed a contract with a cash buyer to sell my house for $ XXXX. {$900000.00} less than the aforementioned appraisal. The closing date was set for XX/XX/XXXX.
11. XX/XX/XXXX XXXX XXXX XXXX signed a commitment to issue title insurance for {>= $1,000,000}. My closing agent, XXXX XXXX XXXX. XXXX, FL requested and received payoff figures from everyone who had a claim on the title except First Horizon.
12. XX/XX/XXXX I was advised the closing was on track and to move out of the house before XX/XX/XXXX. In anticipation of closing I used all the money I had left to rent an apartment and moved out of my house.
13. XX/XX/XXXX. First Horizon reneged on our agreement to escrow the payoff. Another request for a payoff amount was made but no response was provided.
14. XX/XX/XXXX. My buyer agreed to the first extension on our contract.
15. XX/XX/XXXX. The XXXX XXXX XXXX XXXX XXXXXXXX was granted a foreclosure date of XX/XX/XXXX.
16. XX/XX/XXXX. Due to a court scheduling error the hearing concerning the missed statute of limitations deadline set for that same day was delayed until XX/XX/XXXX. The buyer granted a second extension.
17. A new judge had been assigned to the case and stated she had not read my attorney 's memorandum of law that had been timely submitted and erroneously ruled that a lawsuit needed to be filed before a summary judgment motion could be heard even though 2 lawsuits were already in progress.
18. My attorney filed yet another lawsuit against First Horizon and made another demand for a payoff amount.
19. XX/XX/XXXX. The deadline for First Horizon to file an answer to the most recent lawsuit and demand for a payoff figure to be provided passed with no response from First Horizon.
20. XX/XX/XXXX. The XXXX XXXX XXXX XXXX XXXXXXXX foreclosed and gave me 60 days to pay the first mortgage.
I have a buyer and I want to close and pay the XXXX XXXX XXXX XXXX but I First Horizon 's cloud on the title is preventing my buyer from getting title insurance. I am worried the banks have conspired to prevent me from closing. I understand to clear the title I must pay off the liens but the banks are preventing me from doing that.
|
| 07/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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First Horizon violated my protection under the wage earner law. Please trace the confirmation number for a payment I made on XX/XX/XXXX to First Horizon. - ( XXXX ). The payment was made to the Bankruptcy Department. The amount Of The payment was {$580.00}. I was under wage earner in XX/XX/XXXX when my loan was given to XXXX XXXX XXXX to service. The courts was n't notified to notify me of this transaction. My case number was XXXX. I paid my mortgage outside the courts per my agreement with the courts. I was discharge in XX/XX/XXXX. I physically drove to XXXX XXXX XXXX Tennessee and paid my representive who name is XXXX XXXX XXXX. I never mailed my payments I paid them through the bank or at that location. Suddenly I 'm homeless & told there is property in Texas with my social security number. I have never been to Texas. I was told by the FBI that it 's an inside job & to pull my tax returns. I learned my former employer XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX Family have prepared my death after I did n't pass away in XX/XX/XXXX when I was given an XXXX XXXX XXXX XXXX & flown to XXXX. I was told I needed a XXXX XX/XX/XXXX or I would n't survive. The XX/XX/XXXX case number is XXXX. XXXX XXXX XXXX did not report to IRS using my XXXX medical form & XXXX as noted that I was on medical leave. XXXX XXXX filed all of my medical claims without my knowledge. The company is a S-Corporation. There was a hostile take over in XX/XX/XXXX. My problems began with the new owners. I was in XXXX for a short period of time, due to XXXX XXXX XXXX. In XX/XX/XXXX the company used my employee owned senior preferred retirement pension to sell my home without my knowledge or permission. They reported all of these fraudulent transitions to IRS. In XX/XX/XXXX XXXX was used. The address was overridden to reflect First Horizon address in Texas. This is where the property come from in Texas the FBI and secret service told me I have. This is the reason my life have been in jeapordy. Due to all Of The fraudulent activities. I was wanted out of that house and on the streets. No on was satisfied until the government took the property from me. I was in my home for eighteen years. From XX/XX/XXXX-XX/XX/XXXX, I 've been beaten all my teeth broken. I finally found a secured sight to report my findings. My personal information was stolen. My drivers license number is XXXX. The case number prior to the other wage earner number is XXXX. I was discharge XX/XX/XXXX. The property was reaffirmed in XX/XX/XXXX through the Bankruptcy courts. Case number XXXX. I changed the bankruptcy to wage earner later and continued to make payments. They were payroll deducted weekly. My tax statements was stolen from my home. I had to pull my tax statements to learn everything that was done to me. The property is XXXX XXXX XXXX XXXX Tennessee XXXX. My social security number is XXXX. My home owners insurance was first with XXXX XXXX, later with XXXX. XXXX policy number is XXXX. The agent in XX/XX/XXXX was XXXX XXXX, his number was XXXX. He left to finish school. I met XXXX XXXX this is when everything came unglued. My home was hit by a tornado in XX/XX/XXXX. I put a new roof on the home. I remember my older sister talking ugly to me for no reason. I told my late father how she carried herself about my decision to repair my home. XXXX XXXX XXXX XXXX is her name. She forged my signature for get daughter XXXX XXXX. I was told by the United States Attorney General my youngest child power of attorney is on file to do all these damages. That child have a XXXX XXXX XXXX and he is a XXXX XXXX. He have receive assisstance from social security since XX/XX/XXXX-XX/XX/XXXX a little after I purchased the home. The family refinanced the second mtg I had with XXXX XXXX XXXX while I was in XXXX. The utilities appears to be stolen also. XXXX XXXX XXXX XXXX XXXX gave me a print from XX/XX/XXXX-XX/XX/XXXX showing the account number linked to the property. It is XXXX and everything I apply for is taken from me. All my credit information have been changed. IRS told me about this. In XX/XX/XXXX a tax return was filed using my personal information. It was n't what was on my XXXX or XXXX from the department of labor that was filed. I filed a bankruptcy in XX/XX/XXXX, because I needed everything in the courts with a Judge. My former employer EIN number is XXXX. It is with XXXX XXXX XXXX XXXX. My credit inquiry was done with XXXX XXXX XXXX Credit Inquiry Department XXXX TN XXXX in XX/XX/XXXX. The amount Of The original loan was {$49000.00}. I paid the Down Payment Assistance Loan off, the amount was {$2100.00}. The deed is XXXX with XXXX XXXX. I was given {$45.00} at the closing table. No one knows that but the agent that sold me the home. And the attorneys that was there. This how I find it so hard to believe it was so very to take a person home. Unless some kick backs was paid to attorneys. Example Attorney XXXX XXXX he conspired with the XXXX XXXX. XXXX XXXX was my agent in XX/XX/XXXX, she is the only person I associated with, when I purchased that property. When the property was sold in XX/XX/XXXX to Tennessee Housing Agency I was n't there. I was n't notified Of The sell. All of my mail in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX is being stolen. In XX/XX/XXXX when I began my depositions for the law sue filed in XX/XX/XXXX. The attorney XXXX XXXX filed it as workman 's compensation. All of my personal information became public knowledge. XXXX XXXX was served a subpoena on XX/XX/XXXX from The XXXX XXXX XXXX. The company refused to give the courts my employee records. This is the reason The government went to the company and pulled my employee records. They managed to get information to me. My home was broken into in XX/XX/XXXX, my laptops was taken. I 've paid attorneys to pull information for me. I was denied freedom of information.
|
| 04/10/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
COMPLAINT ABOUT OBERIA BANK-FIRST HORIZON Ive been a customer of Iberia Bank, well over 15 years now, I started with XXXX XXXX, which was acquired by XXXX XXXX ; subsequently by XXXX XXXX ; then Iberia bank and now once Again First horizon On XX/XX/2021 Ive noticed an unauthorized wire transfer on one of my accounts the very same XX/XX/XXXX, and immediately sent an email to everybody informing about the illegal activity the very same evening ; the next day XXXX expected a phone call first thing in the morning, since I did not receive any phone call then I call myself to XXXX XXXX who told me she received the email and the Bank was working on the issue, Next call she told me she was informed that my email account was hacked and I should run an antivirus, that the bank was recalling the wire transfer nevertheless the bank was going to take care as it should and redeposit the funds Now lets analyze the situation using a little of intelligence, this whole story is very suspicious to me and the facts speak for themselves in this case The bank recently decided to change a very proven two steps wire transfer policy followed by almost every bank I know, where you send a written wire transfer request from your email account on record and following you receive a phone call from your officer to confirm both identity and instructions to the phone number on record belonging to the customer ; For a Phone call to an 800 generic customer service center answered by an unknown agent who takes a verbal order and only a 4 Digit Pin to confirm it. This policy applies for domestic wire transfers only. Basically reducing the existing security level to practically nonexistent For International Wire transfers, I was informed that still a written request was required followed by phone call confirmation same as always only difference that the wire transfer was handled directly by the wire transfer department Despite the new policy, all my Wire transfers request were sent in writing from my email on record to the wire department with XXXX XXXX in copy, followed by my phone call from my phone number on record to confirm the written wire transfer instructions request This particular International wire transfer supposedly was done without any written instructions confirmation originated by my email and without receiving any confirmation call as required for international wire transfers, from an unknown phone number by an unknown Person without any security verification Now If you ask me what happened, the fact that this happened immediately after changing the existing wire transfer policy is very suspicious To me this is most likely an internal job from the bank by a dishonest employee who took advantage of the changed and new relaxed security policy, simply collected PIN #, have access to Customer Bank Accounts and activities, partnered with a third party to simply call the bank and request a wire transfer as it happened. Simple no verification of any kind by the bank nothing else require just a phone call and a PIN and voila!!!
If not there is no explanation why the only account that was chosen was the account I have done several international wire transfers ; the amount was suspiciously close to the available funds and a story of paying an international invoice was included, and of course conveniently the employee did not follow the rules for the international wire transfers.
I had more balance on other accounts at the time, but none of them were used for wire transfers, instead they chose the most likely the less suspicious and with the highest balance That is why your fraud department claim that my Email was hacked, is very weak and most likely inexistent, if it was the case this people without knowing the account balance try a small value first and then they go for a larger amount or would have tried my personal account with a balance of {$79000.00} at the time Now I would appreciate Straight answers if possible and not just vague descriptions 1 ) Why Should I be depending on a resolution from the other Bank, when this is clear the bank problem??
2 ) When I will be able to receive the funds back into my account??
3 ) Do you have the recording of the wire transfer request?? Yes or No??
4 ) Have you verified If the recording Belongs to me?? yes or no??
5 ) Have you verified from where the Phone call was originated Yes or No??
6 ) Do you have a recording of all the conversations I had With the Wire transfer department Yes or No??
7 ) Have you verified the Instruction I was given for International Wire transfers from the Wire department requiring a written instruction??
8 ) Why the Customer Service Agent did not follow the International wire transfer procedure I was given to receive a written request before ordering an international wire transfer??
9 ) Which is the bank policy ( If any ) they follow, for crediting the unauthorized wire transfer back to my account 10 ) Why do I have to rely on your explanation that The bank is working on it when nobody ever contacted me???
11 ) How do I know That this was not an internal Problem from the bank?????
THIS NEW WIRE TRANSFER BANK POLICY PROCEDURE IS COMPLETELY UNACCEPTABLE EXPOSING CLINETS TO UNNNECESSARY SECURITY PROBLEMS
|
| 11/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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On XX/XX/XXXX I went to Capital Bank in XXXX, NC on XXXX XXXX XXXX to make a small cash withdrawal from my checking account. The teller immediately said you dont have any money. I was very confused since I had just been paid by direct deposit payroll the night before. I was told that atm withdrawals had been made that morning along with a withdrawal at a US post office.Totaling almost XXXX dollars. I knew I had not made any withdrawals that day. I asked what I needed to do. The police were called and I filed a report that day. The office staff was not helpful and almost seemed to not believe that I didnt make the withdrawals. They also gave me a paper that they said needed to be notarized before they ( the bank ) would start an investigation.The bank also informed me that they did not have a notary and I could go to an attorney to get it notarized. This was a Friday on my way to work. I felt very helpless and upset that my bank who I had this checking account with for over 13 years would not offer any assistance. Not to mention this wiped out all the money I had in this account.
I spent the weekend worrying and upset about my money. I was unable to find a notary until the following Tuesday ( XX/XX/XXXX ) when I went to the XXXX XXXX XXXX XXXX to open another checking account. They notarized the form for me so I could return it to Capital Bank to start the investigation.They were also disturbed that a bank I had done business with for over 13 years treated me so disrespectful.Also that Capital Bank needed a service preformed ( notarization ) that they didnt even offer.
I then began what I thought was a 10 day wait to receive my stolen money back. I did not hear from or receive any information concerning the debit card withdrawals. In the meantime I was informed by mail approximately 10 days or longer after the fact that 2 fictitious checks had been deposited through an atm ( I am assuming a Capital Bank owned ATM ) totaling over XXXX. By the letter I received in the mail I was notified that Capital Bank had debited my checking for XXXX for a returned check fees.Again I knew nothing about these checks or who deposited them to my account. I still had not received any information about my stolen money either. At this point my mom got involved and called Capital Bank tollfree number. Her name is also on the account. She spoke with someone named XXXX who suggested that I call bank card services to inquire about my stolen money. I work late hours and weekends but was able to call this number on XX/XX/XXXX. I was informed by XXXX that per a letter dated XX/XX/XXXX I would not be receiving my money back. Of course I had not received this letter. She very rudely read it to me laughing all the while. Once again I was humiliated and let down by a bank I had banked with for quit a while. My mom called the same number the next week and spoke to XXXX supervisor. He listened to our recorded conversation and said that he spoke to XXXX about the way she handled my call. He also agreed to ask that the case be investigated by the fraud department. He asked for time to do this. XXXX called my mom back on XX/XX/XXXX and informed her that they would not give me my money back. He advised seeking legal help. My mom went to the XXXX, NC branch of Capital Bank on XX/XX/XXXX which is where my account was opened. She spoke with manager there who seemed upset that I had been treated with disrespect and no communication in XXXX. She stated she was going to investigate and made calls which she was told that the fictitious checks were still being investigated. No communication from the branch manager as of today XX/XX/XXXX either.Since my mom still had no communication with Capital Bank she contacted the detective with XXXX XXXX Police Dept on XX/XX/XXXX to see if he had been in contact with Capital bank. Detective XXXX stated that he recognized the suspect that had gotten my money at the Cash Points atm on XX/XX/XXXX. But, Capital Bank had not provided him with the location of the Post Office where money was falsely obtained nor had they provided any information about the fictitious check deposits and what atm they were deposited at. I believe that the check deposits and atm/cash point withdrawals are connected but Capital Bank has shown no indication that they are trying to help me get my money back. I believe as a consumer that I should be able to trust my bank to look out for my best welfare, to do anything and everything possible to communicate with me when I have been a victim of a scam. I have since been informed they they NOW have the capability to notify customers when their debit card has been used. Had I been a new customer I might have know that. But as a 13 year customer this was not communicated with me.But, I really wonder if I had known at XXXX that my debit card was fraudulently being used would it have made any difference since Capital Bank was so unresponsive at XXXX that day when I did find out.I dont think they would have done anything anyway. The time difference between the 2 atm withdrawals and the post office withdrawal was only 8 minutes.
|
| 09/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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XX/XX/XXXX - I entered into a construction loan with First Horizon ( subsidiary of First Tennessee ) in XX/XX/XXXX. The first mortgage lien was for {$840000.00} while the second mortgage lien was for {$110000.00}. The primary property in question is XXXX XXXX XXXX, XXXX, MD XXXX.
Summer XX/XX/XXXX - Because of the market downturn, First Horizon failed to comply with their contractual obligations despite many requests. Thus, I had to complete the home ( XXXX XXXX XXXX, XXXX, MD XXXX ). I had to pay the builder {$140000.00} - out of pocket. Also, I had to pay out of pocket over {$100000.00} cash to complete my home. Still First Horizon failed to reimburse for the full amounts owed to both the builder, as well as myself.
XX/XX/XXXX Because of First Horizons failure to comply with the loan, I had to file a US Federal Chapter XXXX Bankruptcy reorganization plan. Reference Chapter XXXX Case no. XXXX.
XX/XX/XXXX First Horizon/First Tennessee attempt to release the automatic stay on the property.
XX/XX/XXXX First Tennessee, unwillingly executes a construction modification with numerous errors, fraud, predatory lending characteristics in. Loan was executed at {$680000.00}. Truth in Lending statement APR is in conflict with APR noted on statement. Also, loan number is in conflict with the one statement that was sent in XX/XX/XXXX.
XX/XX/XXXX Reorganization plan was approved under Docket No. XXXX. First horizon Home Loans was noted under article 3.02 as a creditor that had not filed a proof of claim. XXXXrticle 3.02 further noted that The Debtor ( XXXX and XXXX XXXX ) will pay the Allowed Secured Claim of this Creditor ( First Horizon Home Loans ) pursuant to the terms outline in loan documents executed simultaneously with the approval of this Plan. At this point it is noteworthy - loan documents executed simultaneously with the approval of this Plan NEVER occurred.
Summer XX/XX/XXXX - Investment homes had to be forfeited.
XX/XX/XXXX Federal Court Judge XXXX approves the reorganization plan under Docket No. XXXX. Order was signed and issued to First Horizon Home Loans.
XX/XX/XXXX Debtors continue to make payments in good faith awaiting loan documents to be issued. No loan documents were never issued.
XX/XX/XXXX Debtors continue to make payments in good faith awaiting loan documents to be issued. No loan documents were never issued in accordance with confirmed plan.
XX/XX/XXXX - Debtors continue to make payments in good faith awaiting loan documents to be issued. No loan documents were never issued in accordance with confirmed plan.
XX/XX/XXXX XXXX XXXX ( bankruptcy firm working on behalf of First Horizon ) notes a loan is in default since XX/XX/XXXX. Affidavit is signed to that affect.
XX/XX/XXXX Debtors dispute loan is in default. Certified notice sent.
XX/XX/XXXX First Horizon returns payments. It is again noted the Chapter XXXX approved plan under article 5.03 notes If any holders distribution is returned from the address applicable under 5.02 of the Plan as undeliverable or if a creditors distribution check is not negotiated such that it clears the debtors bank account within 60 day following mailing of such check, then the Debtor shall be authorized in its sole and absolute discretion to stop payment on such distribution and to make no further distribution with respect to the Allowed Claim giving rise to such distribution.
XX/XX/XXXX First Horizon files notice of intent to foreclose. XXXX County Circuit Court Case number XXXX XXXX XXXX. First Horizon signed an affidavit indicating the load was in default since XX/XX/XXXX. XXXX XXXX statements were presented in court clearly illustrating payments were made.
XX/XX/XXXX Debtors dispute loan is in default. Certified mail sent to First Horizon.
XX/XX/XXXX Hearing is held on the case.
XX/XX/XXXX - XXXX XXXX is unaware if an Automatic Stay is on the property. Hearing gets postponed for XX/XX/XXXX.
XX/XX/XXXX Hearing is held in Federal Court Bankruptcy. Federal Court Judge XXXX confirms an Automatic stay has been lifted by virtue of the plan being confirmed. Does not rule on other points presented by First Horizon. Judge XXXX does not rule on whether a confirmation stay is in place because it was not presented before her.
XX/XX/XXXX In XXXX County Circuit Court, Judge XXXX sets hearing for XX/XX/XXXX.
XX/XX/XXXX First Horizon through its legal counsel post {$25000.00} to foreclose on home. Pending sale date is set for XX/XX/XXXX.
XX/XX/XXXX XXXX County Circuit Court Judge XXXX rules against debtors indicating debtors were in default despite the preponderance of evidence in favor of the Defendants. And yet despite the limited evidence submitted by First Horizon.
XX/XX/XXXX - An appeal is filed. Defendants legal counsel file a motion to short response time from Plaintiffs. Motion is granted. However, plaintiffs delay in getting a response.
XX/XX/XXXX Defendants counsel file a motion to stay the enforcement of the execution of a pending sale.
|
| 06/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
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In late XX/XX/XXXX I learned I am a victim of identification theft. My laptop was hacked into, all of my files taken. In XX/XX/XXXX my home was broken into all of my laptops, mother board to my computer was taken from the home. XXXX XXXX XXXX XXXX my former employer & The entire XXXX XXXX realized I learned what they had been doing without my knowledge. XXXX XXXX did n't report to The department of labor or XXXX XXXX XXXX my date of hire, last date of employment.thier tax ID number, my buy date for me to receive unemployment. The amount I was suppose to be paid was n't reported. The dates were changed to show I was laid off XX/XX/XXXX. This is when The department of labor began sending payments direct deposit to First Tennessee Bank. I was laid off on XX/XX/XXXX. The buy date was changed to XX/XX/XXXX, to allow extensions. First Tennessee Bank allowed transactions to be made on my account without my knowledge or permission. The XXXX Family do n't know I was given a severance package when I was laid off. It was suppose to be {$43000.00}. XXXX XXXX only reported {$23000.00} to IRS & $ XXXXwas deposited into my account with First Tennessee Bank . The bank allowed payments to be made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, warranties on cars on cars were paid for servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX Checks were created by employees with the unemployment department in my name. First Tennessee Bank off set those transactions with their deposit slip account number. When I pulled this information First Tennessee erased the images. I was able to get the routing number for the department of labor. It is XXXX, this particular check number is XXXX. First Tennessee Bank deposit slip & withdrawal slip routing numbers are XXXX & XXXX. This is how the bank covered up the fraud to keep the money stolen from The department of labor, I never would have agreed to this type of madness. I have n't been able to get counsel to help me. Since it 's government funding & I recently learned of you. I figured you could help. XXXX XXXX & XXXX XXXX are brokers with the bank. They stole my retirement from principal. XXXX XXXX XXXX XXXX had the check mailed to First Tennessee Bank in XX/XX/XXXX. It was a ESOP check in the amount of {$280000.00}. I never saw the check to endorse it. XXXX stamped the check with XXXX XXXX XXXX. It was made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN. XXXX. When I learned of what XXXX XXXX XXXX XXXX & First Tennessee Bank had done the bank moved. XXXX XXXX is still employed with the bank & is stealing people retirement money. Principal is located in XXXX XXXX, IA XXXX, this institution can confirm where they sent the check. First Tennessee Bank did not report the funds to IRS correctly. XXXX reported to IRS using the tracking number on the XXXX form, rather than the ESOP contract number. XXXX XXXX filed the taxes of these funds. IRS told me the two returns had been filed when I reported the funds. XXXX created an account with XXXX for me to use. Until the Secret Service brought it to my attention I thought the contract had been sold. When I filed bankruptcy in XX/XX/XXXX. Attorney XXXX XXXX told me I had to give the trustee all of my information. I just learned XXXX XXXX the trustee with the courts filed a complaint against me for not giving her the information. Attorney XXXX gave my information to The XXXX Family. They set up an account with XXXX and XXXX XXXX & made withdrawals using my social security number. XXXX XXXX rest those accounts using the bank deposit slips. The XXXX XXXX do n't care all of these transactions made by them have been reported to IRS. Attorney XXXX is conspiring with the family. He never bothered to give my information to the courts. I told XXXX XXXX I was a victim of identity theft. I was told to tell my attorney. He received kick backs from the family, why would he say anything. The family is using my XXXX XXXX child power of attorney to make these fraud transactions. The US Attorney General told me First Tennessee Bank have this on file to justify all of these fraud transactions. Why are they trying to cover up information if it is so innocent. XXXX XXXX boasted to me that she knew XXXX XXXX an employee with XXXX XXXX XXXX XXXX There was a hostile take over of XXXX XXXX in XXXX. XXXX was involved in the take over of the company. XXXX have mail that was returned to them & they are refusing to provide me with the information to prove fraud. I changed my address to where I am. XXXX XXXX really needs to be prosecuted. XXXX XXXX also, the supervisor at the XXXX XXXX location also. I went to him when my laptop was hacked into & had a police report on file. Rather than have the employees proscecuted he covered for them. Or transferred them to another location.
|
| 05/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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Dear Consumer Financial Protection Bureau, This is in reference to my complaint ID XXXX and complaint ID XXXX.
On XX/XX/XXXX, I purchased the property located at XXXX XXXX XXXX XXXX XXXX Nc XXXX from the seller ( XXXX XXXX & XXXX XXXX XXXX.
I took a loan to XXXX XXXX XXXX. I renovated the property and tried to sell it. I found a buyer and we signed a sale contract. After a month of inspection, title search, and other due diligence, the buyer decided that they can't proceed because the title is not clear.
The title is still encumbered by the Deed of Trust executed by the previous seller, XXXX XXXX & XXXX XXXX, in favor of XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and recorded in Book 7105, Page 396, XXXX XXXX XXXX, securing the principal sum of {$40000.00}.
XXXX XXXX XXXX XXXX XXXX is now First Horizon.
The previous seller " XXXX XXXX & XXXX XXXX '' paid off the remaining balance on the above-mentioned deed of trust Book 7105, Page 396 '' to First Horizon when they sold the house to me.
However, First Horizon bank failed to record the lien release letter for the above-mentioned deed of trust ( Book 7105, Page 396 ).
That is why I wasn't able to sell the house. I suffered severe financial loss as a result of First Horizon bank 's negligence and failure to record the release of that deed of trust.
The buyer waited 1 month for me to clear the title. I called First Horizon dozens of times begging them to send me that release letter so I can sell the house to the buyer. First Horizon representatives keep telling me I'm a third party. They need XXXX XXXX & XXXX XXXX to reach out to them and ask them for that letter.
But XXXX XXXX & XXXX XXXX refuse to help me or even answer my emails. I have a copy of dozens of emails that I sent to XXXX XXXX & XXXX XXXX begging them to get that release letter for me. They couldn't care less. They just sold the house and there is no motivation for them to cooperate with me anymore because they don't need that letter. I'm the one who is trying to sell the house and I'm the one who needs this letter. XXXX XXXX & XXXX XXXX have no incentive to help.
First Horizon Bank is aware of this loophole. They know the previous seller, XXXX XXXX & XXXX XXXX, would not intervene because they have no incentive to do so.
First Horizon Bank is also aware that I'm a third party and I can't get that letter on behalf of the real borrowers, XXXX XXXX & XXXX XXXX.
So, First Horizon Bank knows that there is no authority who will come after them and force them to record this lien release letter.
Why would First Horizon Bank bother to record that letter if they're reassured that no one can come after them? Why would they waste time & money on this recording?
Even the closing attorney who facilitated the sale of the house from XXXX XXXX & XXXX XXXX to me is unable to do anything. They're also a third party to this loan.
They name of the attorney was ( XXXX XXXX XXXX ). I sent them dozens of emails begging them to do something, and they replied that is none of their business. According to the UNIFORM RESIDENTIAL MORTGAGE SATISFACTION ACT, it's the responsibility of First Horizon Bank to record the letter within 90 days from closing, not the responsibility of the closing attorney.
But why would First Horizon Bank comply with UNIFORM RESIDENTIAL MORTGAGE SATISFACTION ACT if there is no authority that can enforce that act?
This is a loophole that needs to be fixed, please. I'm sure there are many consumers who fell victims for this loophole. I just accidentally found out about it because I happened to be selling the house soon after buying it. Most of the other victims sell after years and they never even have a recourse.
Because I wasn't able to clear the title, I had to compensate the buyer who was trying to buy the house from me for their time.
I also took a loan to flip this house as I mentioned earlier. I'm paying interest every day. I'm paying more interest on this loan because I wasnt able to sell the house in time. So, Im paying interest for a longer duration now. Will First Horizon Bank compensate me for those additional interests that I paid as a result of their failure to record the release?
Also, when I fail to sell a house and relist it on the market, the houses lose 10 % of its value because buyers now think that there is something defective with my house and they wont want to pay full price anymore. Will First Horizon Bank compensate me for this 10 % loss in value that I suffered as a result of them?
I want this message to be forwarded to First Horizon, please. I want to know thiner answer, please. They destroyed me financially so writing an answer to me is the least they could do.
Thanks XXXX
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| 06/15/2022 |
No |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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On XX/XX/2022 I deposited a check at the XXXX Branch of First Horizon Bank in the amount of {$2400.00}. The check was from the XXXXXXXX XXXX XXXXXXXX XXXX company located at XXXX XXXX XXXX XXXX in XXXX, XXXX and written from the company 's XXXX XXXX XXXX account in XXXX XXXX SD. The check number was XXXX. The deposit was made to Teller : XXXX ( XXXX XXXX XXXX XXXX ) at XXXX. At the time of the deposit the teller indicated that the check would clear with the issuing bank overnight and that the funds would be available in my account the next day. Prior to the deposit I had an account balance of {$5600.00} and an available balance of {$5600.00}.
The next morning, XX/XX/2022, I called the Branch Manager and Assistant Vice President XXXX XXXX ( XXXX XXXX ) to inquire as to whether the check deposited in the amount of {$2400.00} on check number XXXX had in fact been cleared with XXXX XXXX Bank by First Horizon bank. Once I verbally confirmed the dollar amount of {$2400.00} to XXXX XXXX to satisfy bank security precautions, she verbally confirmed that the check had in fact had been cleared with XXXX XXXX Bank by First Horizon Bank and that the funds were in my account and available for withdrawal. At this point, a legitimate check made by a legitimate customer of legitimate XXXX XXXX Bank has been deposited into my First Horizon checking account and deemed cleared.
Later that day I entered the XXXX XXXX and asked that teller XXXX ( XXXX XXXX XXXX XXXX ) withdraw {$2400.00} from the {$8100.00} balance in my First Horizon Bank checking account leaving me a resulting balance of {$5600.00}.
On XX/XX/2022, I deposited a check number XXXX from XXXXXXXX XXXX XXXX on their XXXX XXXX Bank account in the amount of {$2400.00} which was verified by the bank as cleared on the next day and posted to my account giving me a balance of {$8000.00}.
At no time on either XX/XX/2022, XXXX XXXX or XX/XX/2022 did the bank indicate that it had in fact not presented either of the checks referenced above to XXXX XXXX Bank. Had they done the due diligence that was asserted when I was told that both of these checks had cleared, I would have been made aware that XXXX XXXX was the victim of theft of a series of their checks. In telling me that both checks had cleared First Horizon exposed me to the theft perpetrated on XXXX XXXX XXXX XXXX XXXX Bank protected their customer while First Horizon Bank exposed me to a criminal enterprise by not presenting the stolen checks to XXXX XXXX Bank before declaring that the checks had been cleared. Everything that transpired following the initial stolen check deposit is the fault of First Horizon Bank for failing to present the check to XXXX XXXX Bank before declaring to me that the checks had actually cleared.
As it turns out, I was only able to get the information that the checks had been stolen from XXXX XXXX by talking to XXXX in the accounts payable department of XXXX XXXX XXXX on XX/XX/2022. XXXX was also able to confirm that the checks I was led to believe were for my services rendered were actually being flagged by XXXX XXXX Bank from the moment the theft was discovered. This information was only learned once I called XXXX XXXX XXXX after a visit to the First Horizon XXXX Branch of First Horizon Bank on Saturday XX/XX/2022 and two very misleading taped XXXX and XXXX minute conversations with the First Horizon call center on XX/XX/2022.
First Horizon Bank call center representative, XXXX, never did disclose why XXXX XXXX Bank did not pay the checks ( XXXX & XXXX ). Instead, she asserted that First Horizon Bank was issuing checks that I would receive in 7-10 business days that I could redeposit into the bank to recover my funds which had at this point been subject to a chargeback. While I waited for these reissued checks to be received, a chargeback for the second deposited check and subsequently a third check of similar amount was also subjected to a chargeback. This all could have all been avoided had First Horizon Bank actually presented the first check to XXXX XXXX Bank to be cleared before making the funds available for withdrawal. XXXX XXXX Bank did its job. First Horizon failed to do its job and is now attempting to abdicate its fiduciary obligation to its customer account holder.
Additionally, the checks that I was told by XXXX would be received in 7-10 business days were not reissued checks at all but were instead just copies of the original checks. Again, just another misrepresentation by persons within the First Horizon Bank organization. Whether purposeful or incidental, First Horizon Bank personnel have facilitated the errors made throughout this situation.
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| 07/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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First Tennessee Bank is refusing to provide me with XXXX-mortgage interest statements. This is fraudulent information reported to IRS. These statements was n't mailed to me when payments was being made to them. Using my social security number. In XXXX XXXX XXXX XXXX XXXX amended & restated my retirement and made themselves my conservator. The company used {$53000.00} to sell my home at XXXX XXXX XXXX XXXX. There was a interest statement from XXXX reported to IRS in my name & using my social security number. The amount Of The statement was {$3000.00}. XXXX XXXX Federal Identification Number was used to report this fraudulent transaction to IRS. First Tennessee Bank address was used with my social security number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. In XXXX First Horizon Federal Identification number was used to report the XXXX-mortgage interest statement. The address used and name used is First Horizon. Address used is XXXX XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX without my knowledge a XXXX-mortgage statement was reported to IRS. The Federal identification number used have XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, KY XXXX. The amount Of The interest statement reported to IRS was {$2800.00}. In XX/XX/XXXX the Federal Identification number used appears to belong to XXXX XXXX XXXX. The name used is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. There is also property in XXXX in my name/ using my personal information and my XXXX XXXX child social security number XXXX. XXXX XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX XXXX reported a fraudulent transaction to IRS using my social security number. Account number XXXX was referenced. The transaction was a XXXX to cancel debt. The Tennessee Department of Labor Federal Identification was used. Rather than Tennessee Housing Development Federal Identification being used. The wrong address was reported to IRS for Tennessee Housing Development. Tennessee Housing Development Agency Federal Identification number was n't used to report the XXXX. The dollar amount reported was a withdral adjusted by XXXX XXXX using First Tennessee Bank deposit slip in XX/XX/XXXX. The withdrawal was made from XXXX XXXX on XX/XX/XXXX. A wire transfer was made to XXXX XXXX XXXX XXXX XXXX. The transaction was made on XX/XX/XXXX. The account number adjusted was XXXX. The XXXX XXXX/the bank receiving account XXXX. XXXX XXXX. The address Of The business is XXXX XXXX XXXX XXXX, GA XXXX. XXXX XXXX win is XXXX. This transaction was was suppose to be an investment. I learned XXXX XXXX set up a fraud account with XXXX XXXX. She stole my original check from XXXX. XXXX mailed me a copy Of The check made out to XXXX XXXX, not XXXX XXXX or XXXX XXXX XXXX XXXX. I received the copy in XX/XX/XXXX. It was mailed to First Tennessee Bank. The dollar amount paid to the bankruptcy court was reported to IRS. The {$10000.00} & the amount of that transaction. Transactions was being made after I closed all my accounts with all banks. I was told by Tennessee Housing the property sold for {$18000.00}. Yet {$35000.00} was reported to IRS. No property taxes was ever reported to IRS in the property at XXXX XXXX XXXX XXXX Tennessee. Property Parcel ID they are in someone else name other than mine. The taxes have been changed from XX/XX/XXXX-XX/XX/XXXX, yet payments was being made using my social security number and I Am homeless. I have paid the courts and have been discharged twice once in XX/XX/XXXX & XX/XX/XXXX for payroll deductions. XXXX XXXX XXXX confirmed this in XX/XX/XXXX that I had a loan with First Horizon, XXXX XXXX XXXX & XXXX XXXX. I paid XXXX XXXX & XXXX XXXX XXXX off under wage earner. XXXX XXXX XXXX loan was refinanced on XX/XX/XXXX, while I was on dyalsis. The new loan is with XXXX XXXX servicing. I have the title tothe property at XXXX XXXX XXXX. XXXX XXXX stole {$12000.00} on XX/XX/XXXX. She used account number XXXX. XXXX XXXX adjusted the transaction with the bank deposit slip or withdrawal slip. This money was from the fraud account set up with XXXX XXXX by XXXX XXXX. This is the reason the bank closed their location at XXXX XXXX XXXX. I did n't know how bad it was at the time. Secret Service, the FBI, & the united states attorney general was involved.
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| 05/17/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Late or other fees
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Web |
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Dear Staff, I opened my account at First Tennessee Bank ( referred to as FTB here onwards ) online in XXXX XXXX. During the next few months ( XXXX.-XXXX. XXXX ), I received notifications about my monthly account statements in my email. I noticed that each of these statements had a {$7.00} service fee charged. I called the FTB customer service regarding this. They were able to identify me with my personal information, but unable to access/edit the account until I had received my debit card. I had neither received a notification that I would be receiving a debit card nor received my debit card in the mail. The account package descriptions while signing up for the account did not aptly describe the {$7.00} service charges or that the account comes with a debit card for usage. They said it normally takes 7-15 business days for me to receive my debit card. I was able to access my account online throughout this process since the bank is featured as an online bank. One more month passed, I received notifications in my email about monthly statements with more {$7.00} service fee charged to the account. At this point, I had still not received my debit card and going by what the customer service agent said, there was no point in calling them. I do n't know if they re-sent the debit card or what happened at the time. I had been employed until XXXX XXXX. When I was unemployed in XXXX XXXX, I was under stress, duress, and illness until late XXXX XXXX. I had forgotten to contact customer service at FTB because I had stopped receiving my email notifications about monthly statements until I received emails about the upgrade to their website called FTB 2.0 Banking system in XXXX XXXX. At this point, I contacted customer service over several days, but they said that since the systems were being migrated, they were unable to order a replacement debit card or remove any charges. They told me to call back every few days until their systems were sorted out. I was extremely busy job hunting and I did not have the time to chat with customer service every few days. Also, at this point, I was unable to access my online account due to " resetting the password '' after the migration to FTB 2.0. Many months passed and I was unable to keep tabs about the account since I was locked out of my online access and I did not receive any statement notifications in my email. Just earlier this month ( XXXX XXXX ), I realized that I had a checking account at First Tennessee Bank because the software that I use for budgeting ( XXXX ) accounted for {$300.00} funds in a checking account since there is no connection between XXXX and FTB 1.0/2.0. I contacted customer service. They were able to unlock my account and provide me access to the online account. I noticed that there were {$7.00} service fee charges and {$5.00} dormant fee charges since XXXX XXXX. I requested the customer service they remove all the fees since I have never received my debit card and I 'm unable to utilize the account in any way or form. They were able to remove 3 months of {$7.00} and 3 months of {$5.00} fees mentioning that their transaction system does not allow them to go back more than 3 months to refund the fees. I mentioned to them that I called them several times last year regarding the issue of not receiving the debit card. They said that there were no notes on the account or any notations of a replacement debit card being sent out, and they could not verify this. At this point, they have charged {$110.00} in fees and refunded {$35.00} since XXXX XXXX. I have tried to escalate the issue to any department, but they have assured me that there is no other department. I received a phone call regarding my issue ( case # XXXX ) and they said that they have already refunded the fees for three months and that is all they can do. At this point, I do n't know what to do because they are not providing enough options. I mentioned to them that their website did not provide apt description of the different account packages. They say that their website does now and I should check the website. I told them that the website was different when I opened the checking account. I require assistance of the CFPB.
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| 04/01/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American |
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For several years now I have had a small business, simple interest loan with Iberiabank. I have always paid more than the required payments and have never been late on a payment. It renews every 5 years and the latest renewal was in XXXX when the payment became just over {$350.00} a month but I pay {$600.00} every month. I deliberately make that payment by check, and bring it to the XXXX XXXX branch bank.
Just days before my XXXX, XXXX payment was due Iberiabank became First Horizon. I paid that note payment on XX/XX/XXXX by my usual method. At the same time, the takeover was occuring, that is, Iberiabank officially became First Horizon.
About 2 weeks later, I received a Late Notice that my XXXX payment wasn't made. I went to my checking account ( XXXX ) online and printed both sides of my check. It was posted back to XXXX on XX/XX/XXXX. I brought that late notice and copies of the check to the branch where I had paid it. No one seemed to know how to fix this. They tried to find my account by the names on the loan and the loan number I have had for the past 15 years. The teller told me she was not able to see any loans on the computer and then I spoke with XXXX XXXX in her office, who told me the same thing. But, she would contact someone in the loan payment processing department and call me back that afternoon. I never heard from her.
During that week, I tried several 800 numbers I found on the First Horizon website and no one could find that loan by the number, nor any names on the loan.
It has now been 2 weeks and no one seems to be able to help. I have been in contact with my loan officer 's assistant at a branch on XXXX XXXX in XXXX, who has been the most willing to help. She has spoken with XXXX XXXX several times and as of today she is still 'surprised ' that I have never heard from XXXX again. The young woman at that XXXX XXXX branch has even tried to set up an online account for me using the names on the loan ( XXXX XXXX and XXXX XXXX ) I represent the Trust and do all business for it, including making the loan payments.
She tried and tried but it would not create that online account. At her suggestion, I called the 800 number shown for " online help ''. I spoke at length with a young man named XXXX who said because there was a 'trust ' involved it had to be approved first by the legal department XXXX He said he submitted the information to them by email and promised to call me when he had a response which should be XXXX to 7 days. That was yesterday, Thursday XX/XX/XXXX.
I have still not heard anything from XXXX at the XXXX XXXX branch. I have tried calling the 800 number for the loan processing department and the woman I spoke to was determined not to give me any information. To say she was ugly and rude is an understatement. I don't have her name but she is in the XXXX offices, in the loan processing department.
Since I had another payment due on XX/XX/XXXX, I went to the XXXX XXXX XXXX last Monday, XX/XX/XXXX went inside to make a payment of {$600.00}, I gave the payment to the teller and asked again for something written or on a computer screen that shows my payment being applied as it should be. No one in that branch was able to do that. I have now received another letter demanding the " UNpaid XXXX payment, this time showing a late charge of {$25.00}. I have a feeling that my XXXX payment will not be applied appropriately either.
I want to know that my XXXX and XXXX payments are indeed being applied to my loan and on the right dates. I do pay attention to that because that determines how much interest I pay that month and how much principal gets deducted and that's important to me. That reminds me that I did not receive any XXXX Mortgage XXXX statement from that bank for XXXX at all.
I am writing this because I hope someone can help then straighten this out and get my payments where they belong on the proper dates. And I would like to have written evidence of that.
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| 09/06/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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First Tennessee Bank gave permission to family members using a power of attorney without my knowledge/permission. In XX/XX/XXXX I filed a medical malpractice law sue gross negligence by the lab technician. I filed the sue against the XXXX XXXX XXXX XXXX XXXX XXXX, case number XXXX XXXX. The family began to prepare my death without my Knowledge. They stole my child power attorney that is a XXXX XXXX and he have a mental XXXX. His name is XXXX XXXX XXXX XXXX his social security number is XXXX. First Tennessee Bank admits the circumstances were unique, yet they allowed this theft of funds in my name using my personal information.
My former employer XXXX XXXX XXXX XXXX XXXX did n't report their employers identification tax number to the XXXX XXXX of the Tennessee Department of labor. XXXX XXXX XXXX did not report their correct bye date to the TN Department of labor. Family members changed the date to abuse /waste government funds. I was laid off on XX/XX/XXXX, the year all this theft began. Tax returns were filed using my social security number. First Tennessee Bank transferred my loan to XXXX XXXX XXXX without my knowledge through IRS in XX/XX/XXXX. My home was hit by a tornado in XX/XX/XXXX a new roof was put on the property at XXXX XXXX XXXX XXXX. In XX/XX/XXXX the loan was suddenly transferred to XXXX XXXX XXXX XXXX XXXX while I was under wage earner. The courts was n't notified of the loan being transferred.
First Tennessee Bank did n't bother to notify XXXX XXXX XXXX XXXX of the Power of Attorney. Nor did First Tennessee Bank notify XXXX XXXX XXXX XXXX of XXXX XXXX XXXX. First Tennessee Bank offset checks that was printed in my name from employees with The TN department of labor.
First Tennessee Bank is responsible for the theft of funds using my social security number and drivers license number that with was stolen and copied by family members.
I was employed with XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. First Tennessee Bank is concerned about their reputation as though I do n't have a reputation.
All of my rights have been violated, civil liberties, privacy rights. One thing for sure the family ca n't access IRS and Social security data base to delete my history.
All of those 1098-mortgage statements reported to IRS by XXXX XXXX XXXX and XXXX XXXX XXXX are still there. No-one filed tax returns on the property at XXXX XXXX XXXX.
This is the reason the FBI told me to pull all of my tax transcripts. The family could n't go to IRS personally and request tax transcripts. The return do not reflect the settlement I received from the medical malpractice law sue I filed. I received the settlement in XX/XX/XXXX and paid the courts {$18000.00} paying my creditors at 100 %.
In XX/XX/XXXX I was in a XXXX XXXX on my way to church. {$10000.00} was deposited into my account from my attorney. First Tennessee Bank offset those funds. If you pull the check you 'll see I did n't endorse. Since you stated I did n't have to endorse my retirement check in the amount of {$280000.00}. Maybe I do n't have to endorse a {$10000.00} check.
Your bank do n't protect the people that bank with them. My parents are XXXX. My late father XXXX XXXX Served passed away in XX/XX/XXXXand his social security number is still being used by the family members.
My mother passed away in XX/XX/XXXX, her social security number still active and is being used. The State of Tennessee is allowing everyone to use this power of attorney and not do back ground check on this particular family.
These people have violated Hippa laws and many other laws. It 's alright by First Tennessee Bank. XXXX XXXX XXXX is able to violate laws and this except able. Since Social security told me to file a civil action law sue and report to the U S Attorney General in XXXX XXXX and request to appear before a Judge.
First Tennessee Bank and the family will be pleased. IRS is already investigating the theft of my identity.
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| 01/08/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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My wife has just gotten her SSN and found a job at XXXX. In order to get her payments, we wanted to open a new checking account. I searched if there was any bonuses for new account customers. I found First Tennessee Bank, which gives {$250.00} bonus for their online applicants. I filled out an application for her, at the end of the process the system told me that her identification is not verified and we need to go to a branch so as to further the application.
We went to the nearest branch of First Tennessee Bank and told them ( a customer representative ) the situation. She told us that she can not further that application on branch, it should be done by online. She offered us some other options, one of them was offering {$150.00} for new checking account customers who meet their criteria. Even though I accepted her offer, I still wanted to ask her why the application which I started online can not be progressed? If the branch can not further it, why did the e-mail told us to continue on the application with a branch? Then, the representative slightly agreed with me and called the phone number provided in the e-mail that First Tennessee Bank sent us during the online application process. The other representative on the call told the representative on the branch that they can not verify my wife 's identity, in other words her SSN is not valid! After the call, the branch representative suggested us to go to Social Security Office and ask them if there is anything wrong with my wife 's information. I wanted her to open the account by herself on branch. She told me that it is not possible to open a checking account once it is declined by the online banking system, even though she was saying that she can open an account ( she already knew that our online application was declined ) in the branch before that call! So, she basically did not want to open that account. Probably, she thought that opening an account for my wife is risky!
I went to Social Security Office with my wife and spent our 1 hour over there in order to ask them what is wrong with my wife 's SSN. The social security officer told us that there is nothing wrong. All of my wife 's information matches with their system. He added that First Tennessee Bank maybe did not want to open an account for us/my wife and sent us to the office so as to throw overboard, which was very logical idea for me.
After leaving the office, I called the First Tennessee Bank Online Account Service and told them the situation. They did not even want to listen to me and repeatedly told me that they are sorry and they can not help me with the situation.
After all these conversations were made and we lost our whole day by trying to deal with these narrow-minded and under-educated people, we came home and I started to search for the reasons why I had this problem. I found the core problem on another bank 's website, which is saying that if you have just gotten your SSN and do not have any background, please go to our branches. After reading this warning, I understood that she needed to have credit history in order to open an Online Checking Account. However, any of the representatives have not told us anything about this. If the case is a credit history for a checking account, which does not damage the bank, but benefits, why do n't they even help us in the branch? This is a customer disappointment. Having this bad experience with First Tennessee bank and being a person who worked at a bank for two years, I am calling this situation disgraceful for First Tennessee Bank. I have felt like we are 3rd ( or even worse ) class of people in this country, who are not wanted in here! For this reason, I wanted to tell my complaint will all the details. Tomorrow, I will go to another branch of First Tennessee Bank and try to open an account for my wife again just to see what they are going to do. I just want my rights!
|
| 07/31/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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My name is XXXX XXXX and I have a home equity loan with First Horizon. My account number is XXXX and my home address is XXXX XXXX XXXX, XXXX, PA XXXX. I have been making extra payments to PRINCIPAL on this loan every month for about 3 years now. This is now the 2nd time I have had to go through the CFPB to get an error on the part of First Horizon corrected. My current problem is that I I mailed in a check ( # XXXX ) for additional PRINCIPAL to First Horizon on XXXX XXXX, in the amount of {$1200.00}. This amount is totally separate from the {$490.00} that is automatically taken out of my checking account on the XXXX of each month as part of my installment payment. First Horizon received my additional PRINCIPAL check on XXXX. I know they received it that day because they have the " effective date '' listed as XXXX on my XXXX statement that was mailed to me. However, they list the " post '' date of the check as XXXX, which is 8 days later. In order for the additional principal to be counted towards the same month, it must be received and posted to your account by the XXXX of each month. My previous month balance was {$44000.00}. Ialwasy send in additional principal in amount that make round numbers. I had principal due of {$260.00} for XXXX ( as part of my automatic deduction of {$490.00}, with the other {$220.00} going to interest ), so that is why I sent an additional principal check of {$1200.00}. {$260.00} + {$1200.00} = {$1500.00}. Therefore, my previous balance of {$44000.00} in XXXX would have now been an even {$43000.00} for XXXX. However, when I received my XXXX statement, First Horizon DID NOT put the additional {$1200.00} to principal, even though they had my check by XXXX XXXX. Instead, they purposely posted it to my account XXXX day after the XXXX of the month, so they could charge me interest and prevent me from paying down my principal faster. My XXXX statement shows a balance due of {$43000.00} when it was supposed to be only {$43000.00}, resulting in me having lost {$210.00} of the PRINCIPAL sent it, with it all going to interest instead. I state that First Horizon does this on purpose because this went on for about 6 months about 2 years ago and I had to contact the CFPB to get it corrected. I even had a First Horizon Vice president send me a letter apologizing for their errors.
For this current problem, I called First Horizon at XXXX on XXXX XXXX and spoke with a customer service representative. He took down all my information and apologized for their error. He took down my phone number and said someone would call me back in a few days. No one called back so I called First Horizon again on Wednesday the XXXX at the end of the day. I was told that each case is handled in the order they are received and that I would still have to wait longer for someone to call and to get my issue corrected. It is now XXXX XXXX, 9 days after I first called and no one has call me from First Horizon. Tomorrow is XXXX, so a new bank statement will be generated that will also be incorrect because the error from XXXX is still not corrected. I also did not know how much PRINCIPAL to mail in for XXXX because suspiciously, First Horizon left the " principal due '' and " interest due '' section of my statement blank. Every previous statement always shows my current principal due and my interest due. That is how I calculate the amount to send it to keep it a even numbers ( this way it is real easy to spot on of First Horizons endless errors with this loan ).
To recap, they incorrectly used my PRINCIPAL check for interest, did not provide the " principal due '' or the interest due '' on my statement ( which I believe is illegal ) and have not called me back in 9 days. Since they refuse to call me back, I had no choice but to again go through the CFPB to seek help.
Sincerely, XXXX XXXX XXXX ( h ) XXXX ( c )
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| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
I have recently received a notification through credit monitoring that on or about XX/XX/XXXX, IBERIABANK MORTGAGE COMP ( IberiaBank ) listed my mortgage account as a delinquent account. This is an absolute error reported by IberiaBank, which caused my credit score to decline approximately XXXX points. Please review the following facts and provided documentation as proof of IberiaBanks error, and please take the necessary action to correct this issue and restore my credit score.
Details of IberiaBanks Error : FIRST INCIDENT : In XX/XX/XXXX, I moved in to my newly constructed residence and IberiaBank was both my construction loan and mortgage loan service provider. In XX/XX/XXXX, with the drop in interest rates, I began the refinancing process with XXXX XXXX by XXXX XXXX ( XXXX XXXX ).
On XX/XX/XXXX, IberiaBank provided a payoff amount with a projected payoff date of XX/XX/XXXX.
On XX/XX/XXXX, XXXX XXXX provided a notice my refinancing closing date was set for XX/XX/XXXX.
On XX/XX/XXXX, the closing occurred as scheduled and my IberiaBank mortgage was refinanced with XXXX XXXX.
On XX/XX/XXXX, XXXX XXXX executed a wire transfer to IberiaBank and paid the IberiaBank mortgage in full, completing the refinancing process.
Also on XX/XX/XXXX, IberiaBank released an escrow refund of {$280.00}, which I deposited in to my personal bank account on XX/XX/XXXX.
On XX/XX/XXXX, upon receiving a credit notification of the negative remarks IberiaBank made to my credit report, I researched my online IberiaBank mortgage loan transactions and identified IberiaBank listed my IberiaBank mortgage as Inactive and paid off on XX/XX/XXXX, the date of the wire transfer from XXXX XXXX ( Note : The final due date ( grace period ) was XX/XX/XXXX, and the IberiaBank loan was paid off two days before that date. ) On XX/XX/XXXX, I contacted IberiaBank who advised they no longer serviced my mortgage and XXXX XXXX XXXX was the new service provider. ( Note : I believe IberiaBank mortgage sold my loan to XXXX XXXX XXXX after the loan was paid off. ) IberiaBank was unable to locate any account information for me or provide information why negative comments were made to my credit report.
On XX/XX/XXXX, based on the information provided by IberianBank, I contacted XXXX XXXX XXXX, but the customer service specialist was unable to locate any account information based on the information provided in the email from IberiaBank.
On XX/XX/XXXX, I contacted XXXX XXXX to obtain further documentation of the XX/XX/XXXX, payoff to IberiaBank. On XX/XX/XXXX, XXXX XXXX provided further documentation the IberiaBank mortgage was paid off on XX/XX/XXXX, during the refinancing process.
I disputed the XX/XX/XXXX credit error with XXXX and months later, my credit was restored. They identified IberiaBank was in error.
SECOND INCIDENT : On XX/XX/XXXX, IberiaBank reported the same error to XXXX and cause my credit score to drop from XXXX to XXXX, a XXXX point drop. IberiaBank reported my paid off loan as delinquent again and listed the delinquent amount as {$0.00}.
IberiaBank obviously continues to make errors in reporting negative comments to my credit report in XX/XX/XXXX, XX/XX/XXXX, and it appears they will continue to commit the same error in the future. This is a horrible situation to be in because IberiaBank customer service provides absolutely no assistance with the matter.
On a side note, given my employment status, I routinely undergo background checks and a negative credit history can be harmful.
I can not get any assistance from the bank to correct this issue and have just filed my second dispute with XXXX. The first dispute was valid and my credit score was corrected in XX/XX/XXXX. The current credit reporting error has my credit score reduced by XXXX points.
IberiaBank has offered no assistance.
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| 01/04/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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|
Web |
Older American |
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On XX/XX/XXXX and XX/XX/XXXX, I made two money transfers from account ending in XXXX into my XXXX account ending XXXX for safe keeping until the XXXX who was XXXX and had been diagnosed as having an " XXXX XXXX XXXX '' ( see medical record ) on XX/XX/XXXX the same day it has been alleged he signed a 2nd POA revoking my agent 's power. First Horizon 's branch manger, XXXX XXXX was made aware of the XXXX XXXX medical condition and kept informed weekly as to his condition which was continuing to XXXX. XXXX XXXX, Customer Service Representative was the bank 's notary on the son 's POA & Affiant Statement. The second power of attorney was drafted and executed while I was out of town ( the original Power of Attorney ) which was a Durable Power of Attorney on XX/XX/XXXX signed and notarized in their XXXX, TN branch when he was in his right mind and had physical strength to bring his own documents to be notarized and have them placed on the bank 's signature card that I was the POA and the POD on his account. Now, Mr. XXXX the bank 's attorney had had several meetings with me about the XXXX XXXX wishes and whether I had authorization to move the money. In the meantime a more than sixty-day hold was placed on my business bank account and I was denied access to my own account funds. And, you can see the first hard copy letter was not sent until XX/XX/XXXX which was nearly 30 days after the XXXX had passed away XXXX XX/XX/XXXX ). And after I acquired a copy of the death certificate I was denied the XXXX XXXX XXXX Benefits and told verbally that " he did not leave you anything ''. Well, as by the bank 's statements they first said they gave the money to the son because they had a court order. That turned out to not be true. Then the bank said we don't have any stamped dated documents to show they actually had accepted the son 's 2nd POA. Then the bank changed their story and said they do have those documents, but they have not presented them as evidence to support their statements. But even if they do have them the only thing that should matter now is that at the time I moved those funds, I was the only authorized signer on that account other than the Principal and I have repeatedly provided those documents. And now because the XXXX was in the hospital from XX/XX/XXXX until his death XX/XX/XXXX and he was not contacted by the bank to verify what I was telling them about his medical condition or to contact me about the son seeking access to the father 's information. Because on the same day that a strange attorney showed up in the hospital asking a sick person to sign documents that would revoke my agent 's power the bank should be held liable for those disclosures when they had proof the customer was XXXX. The State of Tennessee Law under the Tennessee Code Annotated 68-11-1804 states the Principal must not be XXXX at the time the revocation is revoking the first agent 's power. And, so the bank had every opportunity to see in the records that I was the only authorized individual other than the Principal on file each time I made any financial transactions and they were always signed off on by the branch manager, Mrs. XXXX XXXX. I feel I have truly been abused by the employees at this bank and I can only reason that it has been because I am a XXXX XXXX XXXX who might be seen as an individual that would not understand the legal ramifications so why waste our time explaining things to her or to the XXXX XXXX XXXX. I am very hurt over the way I have been treated and because the bank has kept changing their stories and yet they have not produced any signature cards other that the one for me, XXXX XXXX which was signed by the owner authorizing me as POA and POD. So, I would like to see any documents the bank have used to support their actions.
|
| 06/02/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
- Confusing or misleading advertising or marketing
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|
Web |
|
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I started my own business last year and my company sells products to different retailers. Since I had opened a business checking account with XXXX XXXX, I asked if they offered merchant services and assisted me with the debit and credit card purchases.
XXXX XXXX referred me to XXXX representative who took more than a week to contact me. The name of the company is XXXX XXXX XXXX XXXX which worked with XXXX XXXX at that time. The regional account executive of XXXX sent me the merchant account details on XX/XX/XXXX ( please see Attachment 1 ).
On XX/XX/XXXX, the account executive of XXXX prepared the application that I signed the same day ( see Attachment 2 ).
I was promised 2 credits ( one for {$200.00} and one for {$150.00} ) as an incentive to open a merchant account with XXXX ( see Attachment 1 ) in XXXX. I have never received any of the credits so far even though I called many times to follow up on my credits. It has been 7 months and I still haven't received any credit. Every time I called I was told next week or very soon ( see Attachment 3 ).
I have been in contact with the branch manager of XXXX XXXX multiple times. She said that she tried to help and there was nothing she could do. She promised a few months ago that her superior would contact me and that superior never did. When I called her last in the middle of XXXX she said that it was my decision to contact XXXX and I should deal with them. On the other side, when I opened my business checking account with XXXX XXXX, she kept calling me to offer e-commers services because she probably gets compensated for that. I think a branch manager should be ethical and cordial not only when she tries to promote and sell financial services but also when the bank customers need assistance with solving the issues regarding those services.
When the bank manager refused to help me, I contacted customer service and I was told that it was out of their scope and a regional manager would contact me. I have called more that 4 time so far without a callback from any regional manager.
The regional account executive of XXXX has prepared and filled out the new company application ( see Attachment 2 ). This application states that I should pay {$37.00} per month for a 36-month term. This application didnt state that there was another company involved that I was contracting besides XXXX. Due to the poor performance of XXXX services and the misleading advertising I decided to close my account with this company on XX/XX/XXXX. I was about to find out that I couldnt close my account completely because the information before I signed the application was presented AMBIGUOUSLY and brought me to the wrong decision ( see Attachment 1 ). While looking at the application I didnt realize that there was another company who serviced the equipment and it was totally separate from XXXX. It turned out that XXXX XXXX is a separate entity and I couldnt close my account with them because I had a contract. XXXX XXXX didnt exist anywhere in the application XXXX prepared nor it was disclosed or explained in writing. The reginal account executive of XXXX sent me an apologetic text message ( see Attachment 5 ) and she called me to apologize personally and offered a gift card that I never received. She completely ignores my calls to this day.
I called XXXX XXXX and they told me that I had a contract with them and even I explained the whole unpleasant experience, they said they were going to send me to a collection agency if I didnt pay the full lease. I havent used XXXX and XXXX XXXX services since XX/XX/XXXX. When I requested to return the equipment to XXXX XXXX and close my account, I was told that even If I return the equipment I was still going to be charged {$37.00} a month until the end of the lease.
|
| 02/07/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
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|
Web |
|
|
I purchased my home in XX/XX/XXXX at a predatory interest rate of XXXX %. My home was a fixer upper and had not been lived in for 5 years prior. The first week my children and I moved in, the furnace caught on fire. I purchased my home for XXXX and put down a XXXX % down payment, from my teacher 's retirement account. Because the home had so many repairs that was needed the city of XXXX was constantly citing me to make the repairs. My mortgage payments were crazy high and did not include any taxes or insurance with it. As a single parent with XXXX children on a teacher 's salary, I was struggling to make ends meet. Drowning. I wrote, mailed, emailed and contacted every local XXXX XXXX, state and federal agencies to refinance and/or request a loan modification. I also worked with XXXX. Each bank wanted a higher month's/increasing rate each month for these " modifications ''. I was a divorced parent not receiving child support and on a teacher 's salary. Long story short, I lost my home. I still drive past my former home and become very sad. I feel like I was set up for failure from the very beginning. My mortgage changed hands XXXX times, each time causing me to have to begin the process again and again of requesting a modification and/or help lowering/refinancing my mortgage. The big banks were bailed out of their errors but people like me are still suffering ... wishing I could, again, purchase a home. Minorities like myself were taken for an expensive ride.
XX/XX/XXXX XXXX proceeds with predatory lending lawsuit A federal court has denied a joint motion filed by XXXX major financial institutions seeking to dismiss the XXXX 's landmark lawsuit challenging XXXX discrimination in sub-prime home mortgage lending. The court found that the XXXX had standing to bring the lawsuit, and that it had adequately stated its claims for the lawsuit to proceed. The lenders will now be required to turn over information and documents regarding their mortgage policies and practices.
" This victory is significant, and was a long time coming, '' said XXXX XXXX XXXX XXXX. " It is time for these lenders to be held accountable. We look forward to forcing real change and real relief through this lawsuit. '' According to the lawsuit, XXXX homeowners who received mortgage loans had a more than XXXX percent greater likelihood of being issued a higher rate sub-prime loan than XXXX borrowers with the same qualifications. The Federal Reserve XXXX, XXXX Department of Housing and Urban Development, and FDIC have all made similar observations.
XXXX XXXX, Senior Vice President for Field and Membership stated, " Hundreds of neighborhoods have had the fabric of their community life ruined and millions of families have lost their homes because of racially discriminatory lending policies. This lawsuit demonstrates how critical it is for XXXX to not allow banks to be granted immunity from racially discriminatory practices and to insure that they are held accountable under the XXXX XXXX relief XXXX. Otherwise the destructive impact of these policies will only continue to devastate neighborhoods and families. '' Mortgage lenders named in the lawsuit include : XXXX XXXX XXXX XXXX XXXX, XXXX Mortgage XXXX, XXXX XXXX XXXX Mortgage XXXX XXXX XXXX, XXXX Bank XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX First Horizon XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX., XXXX XXXX Mortgage, XXXX XXXX Mortgage Corp., XXXX Mortgage, and XXXX Mortgage, XXXX.
" The XXXX brought this suit as part of its longstanding demand that offending lenders stop discriminatory practices and bring their activities into compliance with federal law, including the Fair Housing Act, the Equal Credit Opportunity Act, and the Civil Righ
|
| 12/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
1. In XXXX, we were placed in foreclosure in violation of the CA Homeowners Bill of Rights. The illegal foreclosure continues and XXXX, XXXX and First Horizon Loans have again placed our home for sale at auction on XXXX/XXXX/XXXX.
2. The property was purchased in XXXX and the loan represented a property that was habitable with potable water. A domestic well serves as the only source of water for the property and we were told at the time of the sale that the water was potable and safe. We have since learned the lender did not obtain the lender-required XXXX XXXX XXXX prior to approval of the loan ( the property is within XXXX miles of a XXXX XXXX XXXX Site and lies adjacent to agricultural land ).
3. After we drank, cooked, showered and used the water for all personal hygiene for several years, we learned that there are hazardous, and significant levels of contaminations in the aquifers that feed into our well.
We are unable to use the water for any personal use ( i.e., drinking, cooking, showering, hygiene, etc. ).
4. Disclosure of these contaminations define the property as " Hazardous, Toxic, Contaminated, Uninhabitable, Polluted, Blighted and a Nuisance '' as defined by CA and Federal agencies.
The contaminations remain " steady state '' and we have learned the aquifer contaminations existed long before our property purchase.
5. We would not have purchased the property with knowledge of the contaminations. We have learned no lender in our area will approve a loan for a contaminated property ; if the lender required XXXX discloses contamination, all contaminated property sales are cash-only.
6. The contaminations are so high that there is no XXXX : there is no domestic filtration system that can decrease the levels of contaminations down to the legal limits that are allowed for safe potable water.
7. Because the original mortgage loan was disguised as a property that is not contaminated, habitable with potable water, we have requested a principal loan reduction commensurate to the appraised value of the property with disclosure of the contaminations, as disclosure of the contaminations significantly decreased the property value.
8. US Senator XXXX XXXX filed XXXX federal complaints with the CFPB in XXXX. At that time, XXXX reported to us that they have no authority to negotiate a principal reduction commensurate to the appraised value with disclosure of the contaminations, only the investor ( XXXX ) has that authority. When I then contacted XXXX, I was told XXXX has no authority to negotiate a principal reduction commensurate to the appraised value with disclosure of the contaminations, only XXXX has that authority. We are unable to obtain any clarification from neither XXXX, nor the investor/XXXX nor First Horizon.
9. Recently, XXXX advised us to send a letter to the private investor of the property living in XXXX as he/she has the sole authority to reduce the loan principal commensurate to the appraised value with disclosure of the contaminations. Our attorney sent that letter XXXX/XXXX/XXXX.
10. In the meantime, no-one at XXXX will return my calls or email outreach. Moreover, our attorney has sent a plethora of correspondence to XXXX, XXXX and First Horizon since XXXX with no response.
11. It is our understanding that our correspondence to XXXX/First Horizon ( XXXX - XXXX XXXX ) about this contamination situation ( including independent property appraisal with disclosure of the contaminations dated XXXX/XXXX/XXXX, correspondence to/from their managers, VP and legal team, laboratory reports documenting the contamination, etc. ) appear to be missing from the XXXX files.
We need a champion ; can you please help us?
|
| 08/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
XXXX Friday XXXX, XXXX I went to Iberia Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX to open up a business account. XXXX XXXX is the assistant manager which assisted me with opening up an account. According to Iberia Banks mission statement, it states they Provide exceptional value-based client service. XXXX was very rude, unprofessional, and did not provide exceptional value-based client service. As we began to open the account she asked who was my employer. My response to her was Im XXXX. Then she asked about my occupation. I told her I was an XXXX. Her response was XXXX ( sarcastically and condescending ). As we proceeded she asked the name of my company.
Once I told her the name of the company she asked was a XXXX XXXX XXXX or XXXX or something. My response was no, I just told you I was an XXXX. Next, I asked if the bank had counter checks. Her response was how much was my deposit. I asked her how much do I have to deposit in order to get a counter check. XXXX said I need to know the amount in order to give you a counter check. Ive been in banking for over 15 years. Rather, a customer deposits XXXX XXXX dollars or XXXX XXXX XXXX dollars. It's irrelevant. Counter checks are supposed to be available to any individual who opens an account.
At the end of opening the account I asked her can I set up my online banking at home or do I need to set it up in the branch. Her response was I can do it at home. Once I got home I was informed that I couldnt set it up. I called XXXX and asked about setting up my online banking. Her response was they will send you an email. I have no problem with getting an email however, I asked her if I could set it up at home before I left the bank and her response was yes. Not to mention I never received an email.
Monday, XX/XX/2021, I went back to Iberia bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX. I spoke with the Banker by the name of XXXX, who was very nice and polite along with the other banker that sits by the door. During the process of XXXX closing my account, XXXX walked over. XXXX asked why Im closing my account with the company. I explained to her that my reason was that Im uncomfortable banking here due to her behavior on Friday. I also said that she questioned my occupation twice. She made a big deal about the counter checks as if you have to make a deposit for a certain amount to receive a counter check. I also told XXXX XXXX I felt as if she treated me unfairly.
Her response was that she had food poisoning and she did not want to throw up on me. We are all adults here. If she allegedly wasnt feeling well she could have easily said that or let the banker in the lobby open the account. As a manager, she is held to a higher standard. I understand that everyone gets sick but that does not excuse her behavior. I honestly feel I wouldve enjoyed having an account with Iberia. The company offers a lot of products and has great perks. My account was closed due to XXXX XXXX behavior not because I disliked the bank.
I feel as if I was discriminated against due to my race and occupation. According to The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Im not looking for anything from XXXX or the company. This letter is not to terminate XXXX XXXX. This letter is an eye-opener for the company because XXXX poorly represents the company. I feel this is an issue that needs to be strongly addressed sooner than later.
|
| 04/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
|
|
Saw a withdrawal from my checking account for {$2200.00} on XX/XX/21 but no documentation. Called First Horizon Cust Service and was told they don't know why money was taken. Referred me to my branch manager-XXXX & gave me her direct number.
On the morning of XX/XX/21 saw a view of ACH ticket saying Fraud with SBA loan. Around XXXX XXXX I called SBA and was told they have no record and my account looks good. I called the number given to me for XXXX and got a machine so I called the branch directly and asked for XXXX. Was told she was busy but she would call me, but I told the clerk my issue. She looked at my account and made the comment that it was very strange and that even though the ticket looked like it was their branch, it said XXXX XXXX and not First Horizon, and all their internal documents said First Horizon to her knowledge. She reassured me that she would have XXXX call me. At noon had not heard from XXXX so drove to the bank branch. Sat with XXXX while she called around to tell me that it was an SBA request. I called SBA on speaker from her office and was told AGAIN that there are no notes showing such a request but should call the XXXX office as they might know more. Called SBA XXXX and was told there is nothing on my account, no refunds or fund requests were made under my loan acct ; they did not make this request of the bank. Went back to XXXX who now said she spoke to someone in corporate securities who marked my account because I did not provide the bank with my XXXX XXXX per their request in XXXX. I explained that all my documents were submitted with my application to the SBA and they had access to all this info so I assumed the bank didn't need it anymore because was handled with SBA, and I was told my application was accepted. I never used First Horizon as a mediary for my SBA application so assumed it was taken care of when the loan was granted. XXXX said that the bank was taking the money based on the fact that I did not provide the bank with my personal tax documents as proof of being eligible for an EIDL SBA loan! I again told her that was not up to the bank and my funds should be returned per rep at SBA who told me to get my funds back as I will eventually be responsible to pay back the loan in full! I asked her if this was common and happeing to others and she said she has contacted others requesting documents. When I asked why {$2200.00} she said they tracked what had XXXX spent from the loan and this amount was what remained! XXXX then told me it was out of her hands and I needed to speak with " P '' ( she didn't have the last name ) from the corporate securities division and even though she initially told me there was no direct line to this department she now told me to call the number on the back of my debit card and ask for this division. I called the number on the back of my card and was told there is no way to contact the corporate securities division and even they at customer service didn't have a number to call. The rep told me that this was a branch-related issue and they don't have any information and I should contact my account officer. When I asked who that was, they looked it up and said, XXXX at my local branch!!! I said I wanted to report bank fraud at this point and was told they can not handle these claims as it would have to be done at the branch! I called the bank branch back to be told that XXXX had left for the day and they didn't know anything about taking a bank fraud claim but would leave a message for XXXX to call me in the morning. MEANWHILE ... ..the money is still missing from my bank account!!!!!!
|
| 08/04/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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|
Web |
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Hello, My wife, XXXX XXXX, and I, XXXX XXXX, have an existing joint checking account with First Tennessee Bank ( part of First Horizon XXXX ). This account was opened long ago and is in good standing at the XXXX XXXX, XXXX, TN. It has had a regular direct deposit coming into the account for more than 2 years now.
Recently, our son XXXX XXXX, started working part-time, and in response to a new promotion of XXXX $ for opening a new checking account with direct deposit from a different branch of First Tennessee XXXX XXXX XXXX XXXX, he opened a new checking account with direct deposit. His first direct deposit into the account was received on or around XXXX XXXX, 2016. The promotion of XXXX $ was due to be received within 6-8 weeks of receiving the direct deposit. When my son opened the account, I actually referred him, and went with him to this particular branch. The representative XXXX XXXX ( address : XXXX XXXX XXXX XXXX TN, direct phone XXXX ) was aware that my wife and I had a separate account but raised no questions and told us that the promotion would be processed. In fact, the opening deposit for XXXX account was a transfer from our existing First Tennessee joint account made by XXXX XXXX.
At around 8 weeks following his first direct deposit, my son XXXX called XXXX XXXX to inquire on the status of the promotional XXXX XXXX and was told it was in process. Several weeks passed without any communication, so he called XXXX XXXX again directly at the above number, and was told by her specifically that it was in process, and would be received anytime within the next few days. On XXXX XXXX, 2016, my son XXXX, my wife XXXX and I visited the branch and spoke with XXXX XXXX about the promotion that she had offered and promised us. She gave us a printout telling us again that this promotion would be processed and took my phone number and said she would call me back the next morning. However, she never called me back, so after waiting 2 days, the following Monday, I called her myself. She did not pick up the phone, so I left a voicemail asking her to process the promotion as soon as possible.
On XXXX XXXX, 2016, we heard back from XXXX XXXX saying that she would not process the promotion she had offered us, claiming the marketing department had decided that it was considered as XXXX household account. I told her this was not acceptable, as she was aware of this when she opened the account ( the opening deposit was processed from our account, as mentioned above ), and this was a separate direct deposit from a separate employer being received by a separate person, who did not previously have any account with First Tennessee. I asked her to fix the problem, but she kept referring to the marketing department, refusing to honor the promotion promised when my son opened an account with her.
First Tennessee Bank is now receiving XXXX separate direct deposits into XXXX separate accounts related to us, but still refusing to pay the promotion offered to us for XXXX XXXX My son XXXX is a new customer of First Tennessee with a separate account from us, and a separate direct deposit coming into his account from a different employer, that is not in any way related to our direct deposit into our existing account.
The representative XXXX XXXX at the XXXX XXXX, at the very best, misinformed us, if not openly resorting to trickery and deceit by offering and processing a XXXX $ promotion in order to entice my son XXXX to open a new checking account with direct deposit with her.
|
| 03/17/2016 |
Yes |
- Other financial service
- Refund anticipation check
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Web |
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RE : CFPB Case number : XXXX On XXXX XXXX, XXXX I bought a piece of property from First Tennessess bank, XXXX. I have paid cash in full for both land and improvement on the property. I have picture showing the improvement on the property as unfinished house on the land. During the settlement, the bank and settlement company never give me disclosure regarding the improvement on the property was legal or illegal. The bank never gave me anything from local agency showing if there was any building permit. I have owned this property from XXXX XXXX until current. On XXXX XXXX, XXXX the local agency XXXX came to my property and torn down the improvement without my consent. The property value decreased significantly plus civil rights violation. I contacted the seller - bank immediately to ask them for refund as a consumer. The bank representative - a attorney sent me a email stating he can rescind or cancel the transaction. But until a month later, he sent me a message stating he reject to provide me refund. I feel I was provided deceptive, misleading information from the bank, and I never received any disclosure regadring illegal property sold by the bank. Now I am asking my principle, tax paid, settlement cost, damages, losses, pain and suffering to be back.
I can not get assistance from OCC as this is consumer matter and complaint. And until now this complaint never resolved. I do NOT want to live in theft XXXX XXXX XXXX XXXX due to varies of personal damages and economic damages this county brought to me since I owned this property. On XXXX XXXX, XXXX I received copies of fraudulent liens {$12000.00} from XXXX XXXX XXXX XXXX property tax division ( see attachment ) as threat to take the rest of my property away. I have responded immediately indicating the consumer was cheated, defrauded and has NO any information regarding the improvement existed since XXXX or earlier. At that time, I even have not lived in State of Maryland. So legal or illegal improvement has NOTHING to do with me. At this time, I am asking the bank to responsible for each settlement I am asking because I do NOT want to live in extremely dangerous and harmful XXXX XXXX XXXX XXXX. This county is absolutely enemy with me for 5 years.
On XXXX XXXX, XXXX after XXXX XXXX was torn down 5 months, I read the advertisement published by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It stated " XXXX XXXX XXXX XXXX has deemed all strutures at XXXX MD XXXX to be unsafe and creating immediate danger and immediate and continuing hazard to human life and public welfare, and has ordered that all structures on the property be demolished immediately. '' As consumer, I NEVER received any disclosure regarding this property was unsafe and creating immediate danger and continuing hazard to human life and public welfare from seller - First Tennessess Bank. If this property was unsafe and was in immediate danger, who allowed the bank to sell such kind of property to consumer? Why XXXX XXXX XXXX XXXX did not torn down this property when the bank owned this property? Why XXXX XXXX XXXX XXXX has waited more than XXXX years to demolish this property which brought immediate danger? Why the bank can sell such kind of dangerous property to consumer? I really can not convince myself. I insist that bank can provide me refund by taking this property back because I really do NOT want to live in XXXX XXXX XXXX XXXX who is my absolute enemy, who caused all kinds of damages and losses in the past XXXX years.
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| 12/29/2016 |
Yes |
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- Settlement process and costs
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Web |
Servicemember |
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I am a veteran. I had a " XXXX '' XXXX with First Tennessee Bank. At the completion of construction ( CO passed ), we had difficulty closing the permanent loan with First Tenn as we relayed to them several items not completed but had been paid for already by the bank. The bank 's duly designated inspector found no defects nor any issues with the construction. Closing was delayed and a second appraisal ordered by the bank. Throughout the construction, the bank colluded directly with the builder and moved money between line items without proper credits, documentation for invoices, nor sufficient communication with me. During the wait for the second appraisal, we found several construction code violations ( XXXX ), and Major Defects ( XXXX ) included in a punch list of XXXX items. The bank distanced itself, and I sought permanent loan financing elsewhere. During the search for new loan financing, the builder filed a lien on the home ( after we had taken posession of it while still working " with '' First Tennessee, and prior to permanent loan financing ). First Tennessee then commenced a series of negligent errors costing us valuable time and damage to our credit rating including offering a " blackmail '' version of a " loan extension '' initially ( focused on relieving the bank of any liability due to their negligence ), followed by a series of " after the fact '' ( back dated XXXX loan extensions with the end result of frustrating and scaring away potential permanent loan institutions due to Dodd-Frank issues and XXXX loan practices being significantly breached by First Tennessee. Certain bank VPs became harrassing and threatening during the process I was left to unravel. The end result was it took us 11 months to find a permanent loan ( VA ). During this same timeframe, the bank continued making loan errors, made up a fake agreement regarding a " payment plan '', then engaged in false credit reporting by submitting a false supplemental credit report stating we were in default and late paying the " fake payment plan '' XXXX fake = never spoken of by either party, nor agreed to. This according to the XXXX XXXX personally handling our account ). The bank also doled out loan extensions, always after the due date of the previous extension, AND always back-dated as if the loan had never lapsed into default, which new institutions were rightfully not willing to accept. This entire process took place due to First Tennessee negligence in accounting, project oversight, inspections, and contract practices, illegal loan extension agreements, blackmail in the form of an initial " loan extension agreement '' who 's sole purpose was relieving the bank of liability for its illegal and unethical actions, and engaging in false credit reporting. All of this was unavoidable had the bank done its job, yet it left a huge hardship on myself and my family causing and extreme level of anxiety and stress, loss of work due to becoming XXXX, and robbed my family of the opportunity to enjoy a new and completed home. The pain and suffering was enormous. I contracted with a professional, licensed, regulated institution with professional, licensed and regulated individuals to protect both bank and my interests since I am neither licensed nor a professional in this field of expertise. I relied on them to perform their required licensed and regulated duties on my behalf, and they failed miserably to the point of negligent on their part.
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| 12/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I have to register a complaint against First Horizon practices & procedures regarding the payoff on my account in XX/XX/XXXX. Their procedure is costing me thousands of dollars in extra interest without notice, or my knowledge!
Apparently I was given incorrect information by First Horizon on my phone call to verify the payoff/ballon payoff amount for XX/XX/XXXX. I have discovered to my horror there was a balance of {$310.00} still due & now the interest has brought this past due amount from {$310.00} to {$4600.00}? First Horizon never brought that fact to my attention for over a whole year. Outrageous! I found it on my credit report as owing {$310.00} & called First Horizon on XX/XX/XXXX as soon as I discovered the issue.
Per XXXX in their recovery ( collections ) department, 1st Horizon they do not send out statements or notices of unpaid balances to customers after a balloon payment is made, period. Accounts are shut down ending all communications to customers even when there is a balance due. I believed the account to be closed however, if I have a balance then loan technicality still open! Yet I received no notices about it for over a year & now they want {$4600.00}. XXXX said it is my fault for not knowing. I disagree & could hardly believe what I was hearing. Why does First Horizon have this inefficient procedure or practice? To save them money or earn them money?
XX/XX/XXXX Notice of Balloon Loan payment due XX/XX/XXXX {$49000.00} XX/XX/XXXX Statement Amount Due {$49000.00} due XX/XX/XXXX I called First Horizon XXXX to obtain the final balloon payment amount & was told by the 1st Horizon representative that {$48000.00} was the correct amount, not the amount on the statement.
I had 3 different amounts for the payoff.
They NEVER told me it anything was wrong!
My husband XXXX XXXX died in XXXX. Representatives claimed they tried to get in touch with me but didnt have my phone number or way to get in touch with me which is one of their excuses as to why I was never notified. Ive had the same cell phone number & home address since XXXX. I have been in contact with First Horizon since his death 10 years ago & had his name removed from the statements because it made me sad.
As a retired manager I have over 50 year of job experience & training, I have never heard of any businesses that do not send notices to customers on any balance owed or charge outrageous interest without customers knowledge! Why in the world would they not send statements to customers to let them know? 1st Horizon piled on additional interest going back a year on this {$310.00} balance? Remember USPS was crippled for the mail in ballots in XX/XX/XXXX & then came the holidays. I didnt get another statement or notice that I can find after that. XXXX is to mail a copy of the XX/XX/XXXX statement to me. Over {$4000.00} in interest & XXXX tells me it was in the paperwork I signed in XX/XX/XXXX, that after my contract ended, even if there is a balance due, no notifications of any kind would be sent! XXXX said it was my responsibility to follow up with 1st Horizon to make sure the payment went through. Ridiculous! Who does that? Therefore it is my fault for not knowing this could happen. If I had known I owed {$310.00}, I would of paid it immediately!
I am a retired XXXX XXXX XXXX widow on XXXX XXXX. This isnt fair!
Please help.
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Email : XXXX XXXX
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| 12/08/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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This complaint is in reference to First Horizons Bank of Tennessee.
I was reviewing my bank statements and checkbook to make sure everything was correct and up to date as I regularly do, when I noticed some atm withdrawals that I did not make or authorize. This began on XX/XX/20. I found this out on XX/XX/20 contacted bank immediately and told them what happened. I was advised by fraud dept. to go to my local branch and get the forms filled out.I received a denial of claim and contacted them again and was told to resend all the paperwork again and I then was advised by the bank that I needed to contact my local police dept and file a report. On XX/XX/20 I contacted XXXX XXXX Police Department. XXXX and filed a report of XXXX XXXX XXXX with XXXX XXXX and shortly thereafter XXXX XXXX was assigned to the case. I explained to him what I believed happened just as I did with the bank representative..Before he could even finish his investigation they had already declined the claim again.This is what happened to the best of my knowledge.
The XXXX week of XXXX my son was involved in a terrible car accident and my niece XXXX XXXX came to stay and help out. During this time I do believe that she obtained my pin number without my knowledge when I went to store on or about XXXX XXXX or XXXX by looking over my shoulder. NO I DID NO NOTICE THAT SHE WAS DOING THIS!!! But that is the only way she could my pin. I certainly did not give it to her or anyone else. Shortly after I found out what she had done I called my sister which is her mother and was telling her and she tells XXXX had done that to her several times before. I was unaware of that during the time she was staying with me.I never noticed her removing the card from my purse. This is my business debit and it is used in day to day operations at my business not for atm withdrawals She would call her son XXXX to run her a drink or clothes to my house give him the card and send him to a atm and then put it back before I noticed it was gone. This went on until I checked my bank statements. I would like to state that the fraud department at First Horizons did not flag this as being suspicious but it was being used over and over at atms. I have always received phone calls from other banks for something less suspicious than these transactions.I feel they should have called and informed me to see if I made the transactions. I have previous bank statements that show that is not normal transactions that I make.
Now I have spoken to XXXX XXXX and he has advised he does believe that a crime was committed and he has been in contact with the stores and owners of the ATMS in which her and her son used my card. The bank, however notified me that they were declining my claim due to inconsistent information. I went to the local branch and got all the paperwork filled out that we needed. So I don't know what they mean by that. I feel that with all the information that I have read and in talking the local branch that they need to reconsider. I had no idea that this was going on and absolutely did not benefit in no way. My business suffered because of this and I feel that the bank should protect its consumers in cases like this. I did notice that my bank representative on the statement of facts put XX/XX/20 was date of first transaction but it was XXXXand continued until I found it on my bank statements on XX/XX/20.
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| 02/17/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I am an XXXX and work through online sites such as XXXX ( formerly known as XXXX ) XXXX for clients. I started working for XXXX XXXX from XXXX on XXXX/XXXX/16. He asked if I wanted to take a job that would require me to XXXX XXXX XXXX word articles and I would get paid {$5000.00} for them upon completion. I would get paid in weekly installments after turning in XXXX XXXX per week. I had completed XXXX jobs for XXXX in the past. XXXX I was paid through XXXX. XXXX I was paid through a personal check which cleared and the funds were deposited with no problems. When I contacted XXXX about the XXXX payment for the XXXX XXXX ( in the amount of {$420.00} ) he would not give me a straight answer as to when the check was put in the mail. He would just say " a day or so ago '' and then later said he was stuck in a snowstorm in Colorado. In the past I was told when the payment was sent on the exact date and had good communication. So I started getting suspicious. I contacted the XXXX 's client that I was doing the writing for, XXXX XXXX XXXX XXXX XXXX, just to let them know that I had not received payment from him and had not received any new work orders from him in order to give them a heads up. They originally requested XXXX to have me write XXXX articles in one month and at the rate we were going, that was not going to be possible. A few days later, XXXX contacted me by email, saying that I badmouthed him to his client and offered to steal his work ( do the work for his client without him being the middle man ). I still had not received payment at that time. That email was sent on XX/XX/XXXX. During that email conversation, I let XXXX know that I did not want to work for him any longer. On XXXX XXXX I received a check in the mail for the amount that I was owed for the work due. I assumed that he was going to go ahead and make good on his payment since I did the work for him. I deposited the check into my account at First Tennessee Bank. The money was not directly deposited and I called the bank to ask why and they let me know that it would not go into my account until the next day after XXXX. The funds were then put into my account and I used them to pay bills, etc. On XXXX XXXX the check was returned to my bank and I now have a negative balance of - {$360.00} that I owe to the bank. When I contacted FIrst Tennessee Bank they told me to contact the person who wrote the check to see if it could be resolved. I tried and got several rude responses along with XXXX acknowledging that he cancelled the check after it was put in the mail. So I have to pay my bank back because he sent me a cancelled check. When I contacted FTB again, they said it was my responsibility to pay because I signed the check and I did not call XXXX 's bank beforehand to ensure that the funds were available. The problem is that the funds would have been available at that time, he cancelled the check later on. I want to know what I can do because I do not feel like I should be responsible for the {$360.00} that I owe the bank since that was money I was paid for work that I completed. Should n't XXXX 's bank account be the one that is in default instead? His Bank is XXXX XXXX XXXX and his information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. The check was in the amount of XXXX and the check number is XXXX. Account number is XXXX.
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| 08/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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On XX/XX/XXXX First Tennessee Bank pulled a credit inquiry on me with their credit department located in XXXX. I listed my former addresses which were XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX XXXX TN. XXXX Florida XXXX XXXX XXXX TN XXXX. These locations are in the name XXXX XXXX XXXX. All of those addresses have been changed /deleted from my XXXX credit report. Without my knowledge /permission. I had a down payment assistance loan -XXXX on the property. The amount was {$2100.00}, I paid that off with XXXX XXXX XXXX. XXXX XXXX paid XXXX XXXX XXXX Off. The deed is XXXX in the register office. It was deleted from that data base. XXXX XXXX XXXX XXXX have this information on their file. XXXX XXXX allowed a breach of contract to take place with my personal information. The property at XXXX XXXX XXXX XXXX TN XXXX had a community service I paid every month when I moved there. It was called XXXX XXXX XXXX. I filed this under wage earner and payroll deducted every week to pay the courts. XXXX the money was a Home improvement loan I got. As I mentioned they paid off the down payment assistance loan. The loan was refinanced while I was under wage earner in XX/XX/XXXX. I filed a medical malpractice law sue in XX/XX/XXXX. Case number XXXX XXXX division XXXX. Honorable XXXX XXXX. The XXXX Family began to prepare my death.
My former employer did the same. XXXX XXXX was the Human Resource Director. She told me when she laid me off in XX/XX/XXXX, she was going to fix it for me not to be able to get another job. At the time I did n't know what she meant. There was a hostile take over of the company in XX/XX/XXXX. She was one of the new owners. XXXX XXXX XXXX XXXX XXXX is a S-Corporation. Employee Owned Company. XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. XXXX XXXX stop reporting taxes on me to the Federal Government. She had help with an employee with First Tennessee. I know XXXX XXXX is XXXX of the employees. She 's a broker with First Tennessee Bank. She took my retirement pension with XXXX XXXX. The name changed to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX do n't have record of this loan. Because I did n't refinance the loan, it was done while I was under wage earner. Yet it was in the courts, XXXX-intrest statements was reported to IRS, XXXX XXXX XXXX remain on my credit report without XXXX. XXXX XXXX paid my taxes on the property. The loan number is XXXX. XXXX XXXX paid Home Owners Insurance on the property, with XXXX XXXX. The property tax ID number was changed to XXXX. XXXX XXXX account number is XXXX. I first had home owners insurance with XXXX XXXX company the home owners insurance policy number was XXXX. There was an attachment form XXXX ( XXXX ). Mortgagee : XXXX XXXX XXXX ITS successors & or assigns. XXXX XXXX XXXX. XXXX, GA XXXX. I need for XXXX XXXX to provide me with a identity theft affidavit. My identity have been stolen and I need to report this abuse to authority. I truly need for First Tennessee Bank to send me something to show they are actually working on my complaints. Everyone seems to be trying to delete all transactions as though I never purchased the property at XXXX XXXX XXXX XXXX TN XXXX. Yet this information is in the bankruptcy courts.
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| 08/08/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Hello Mr. XXXX, This email is in regard to a dispute with First Tennessee Bank. On Monday XX/XX/XXXX I deposited funds into my checking account to avoid any NSF charges. The receipt I obtained from that deposit as well as my banking app showed I had a positive balance of {$3.00} available. The next day my account was overdrawn for - {$140.00} and some change. I immediately contacted customer service who advised me that the deposit was made after XXXX and therefore did not credit until the next day. I was unaware of this policy before then. I asked the representative to please remove the NSF charges seeing as how the app and receipt from the deposit clearly showed my account was in a positive standing which now becomes misleading to a customer if what they state is true. She removed 2 but could not remove any other fees. I asked whom else I could speak with regarding the matter that could and she directed me to Ms. XXXX at my local branch on XXXX XXXX here in XXXX, TN. I went directly to my local branch to speak with Ms. XXXX ( XXXX ) XXXX but she was away on vacation. XXXX looked into the matter, made notes on my account and made a copy of the deposit receipt, and advised I should get a call from Ms. XXXX upon her return on Wednesday. I never received that call and I called and left Ms. XXXX another msg on Wednesday afternoon before the close of business. This morning I went into the branch again and was able to speak with Ms. XXXX. She advised that because other transactions came through my account on Wednesday ( while still waiting on her phone call upon return from vacation ) that she could not refund the NSF charges. I explained that had the receipt and app not mislead me I could have made other arrangements to cover the funds to avoid the NSF as I thought I'd already successfully done. I then explained that while waiting on 1 individual to return from a vacation yes other transactions came through ; had we cleared this up on Tuesday I had additional funds to deposit to my account that would have covered the additional transactions. I delayed depositing the additional funds because it would have just gone toward those current NSF fees instead of my actual transactions. You were just recently included in an email chain regarding a separate issue I am experiencing with XXXX XXXX in where my son 's SSI payment was stolen and they are refusing to return his money. This is a downpour of the disadvantage they put me in by allowing someone to steal these funds. It put me in a situation to where I was at a loss of resources to get XXXX his school clothing, pay my rent, my car insurance is about to be cancelled and I XXXX for a living, and my car note is due tomorrow but now my checking account is all tied up so I can't even make that payment which will now be a negative mark on my credit. I was already a struggling single mother of XXXX. The compromise these banks have put me in is beyond belief! I am begging someone anyone to help me! My life is going to shambles while these corporations drag their feet and take me through all this red tape for their errors. Please help me? or direct me to someone who can, PLEASE?!
With Regards, XXXX XXXX XXXX ( First Tennessee ) XXXX XXXX XXXX ( XXXX )
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| 11/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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original loan taken out with Iberia Bank XXXX XXXXXXXX. First Horizon took over Iberia and integrated all their systems, including online banking in XXXX of XXXX loan matured XXXX of XXXX the balance amount shown on statements that I do have showed a balance of {$270000.00}. This amount seemed to be about right to me, until I received the actual payoff statement which added an additional {$26000.00} stated as " interest charge past due ''. at no time did I ever receive any info, email, online banking message, etc. indicating there was anything awry with anything on the account, or that interest was past due. Also, nowhere on any statements was this indicated, referred to, or shown. I also have concerns about how payments were applied to principal and interest. Because of these issues, I requested a copy of all monthly statements from the inception of the loan in XXXX. As an XXXX customer, all of my accounts were held there, including the account from which these loan payments were made. I utilized the online banking features which allowed for the storage of all statements. Upon First Horizon taking over, i did start receiving statements from First Horizon, but not until their systems were fully integrated, which was XX/XX/XXXX. Everything prior to XX/XX/XXXX is missing, got lost in the transfer, or as Ive been told " the Iberia information for your account did not merge into our system. Ive also been told " Iberia information was on a different system '', and many other similar things. It was even suggested that if i had any issues, i should research the account from which the payments were made from, but that account too was an Iberia checking account for which there is absolutely no information available through First Horizon. I immediately notified First Horizon that i had serious questions about the payoff statement amount and that i wanted copies of all statements, for a few months i was told they had to escalate the issue, it had to be researched, etc. At one time First Horizon did provide me with a XXXX XXXX document which was supposed to be a record of all payments made, but it did not break down what was applied to principal or to interest, and it was a document created in XXXX, that is not a substitute for actual monthly statements. Since XX/XX/XXXX i have continued to make my payment of {$2000.00} per month, which i did to show good faith and not have any negative credit report info. I was told that since the account was in dispute, they would not legally be able to report anything negative, but they did, monthly they have been reporting a default / loan not paid on my credit report which has dragged my score from XXXX to about XXXX. Also, they have continued to charge interest in the amount of {$30.00} per day from XX/XX/XXXX to present. I have always wanted to get this over as quickly, and payoff the principal due, but they have not been able to provide any of the requested information, and still can not. we have been stuck for several months now, all while additional interest is still accruing.
In regards to the missing statements from when it was operating as Iberia Bank, it seems those are just not available, they've had nearly 6 months to provide them, but haven't.
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| 06/30/2017 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I 've pulled my property tax information from XX/XX/XXXX-XX/XX/XXXXfor county & city taxes. The property in question is XXXX XXXX XXXX XXXX Tennessee XXXX. I began purchasing the home XX/XX/XXXX. I paid taxes on the property. The parcel ID number is XXXX. My name have been removed. Someone name XXXX XXXX XXXX & XXXX XXXX is listed. It shows the owner lives at XXXX XXXX XXXX XXXX TN XXXX. I pulled my tax information for XX/XX/XXXX, my name was listed at the time. The address on the print is XXXX XXXX XXXX XXXX XXXX. XXXX TN XXXX. County taxes. City taxes shows my address as XXXX XXXX XXXX XXXX Tennessee XXXX. The city taxes. The XXXX Family was deleting my history. XXXX XXXX XXXX XXXX also deleted my information, because the company amended & restated my XXXX tax return & sold my home. This was done through IR5. In XX/XX/XXXX I reaffirmed my home at XXXX XXXX XXXX through the bankruptcy court. This was done with Tennessee Housing Authority. The case number is XXXX. XXXX XXXX XXXX poses as a para legal, she had access to the court data base. The XXXX XXXX XXXX pressed charges against XXXX for theft. All of my deed numbers have been deleted from the property assessor data base. Deed number XXXX, XXXX XXXX, XXXX XXXX First Family, XXXX Tennessee Housing Development Agency, down payment assistant. IRS have my original loan, because no one can access their data base to delete information. From XXXX the property was in my name. XXXX XXXX XXXX XXXX amended and restated my tax return in XXXX and sold my home. The company amended all of my tax returns from XXXX. With all these fraudulent transactions no-one reported taxes to IRS. While I was under wage earner the loan I had with XXXX XXXX XXXX was refinanced XX/XX/XXXX. The new loan number is XXXX, the company is XXXX XXXX XXXX. Interesting statements was reported to IRS. It was reported as XXXX XXXX XXXX XXXX XXXX XXXX. I paid this company through the courts and was discharged XX/XX/XXXX. Payments were payrolled deducted. Case number XXXX was discharged XX/XX/XXXX. The original loan number with First Horizon is XXXX. There is property in Texas. XXXX XXXX have been manipulating records, changing dates, etc. Mortgage Intrest statement was reported to IRS by First Horizon. First Horizon Home Loans XXXX XXXX XXXX. XXXX TX XXXX. This transaction was made in XX/XX/XXXX. There was a lot of fraud that has transpired. I do n't know when the fraud began. The wage earner courts have my payments made to First Horizon. First Horizon claims my XXXX XXXX child power of attorney was used. This child is a XXXX XXXX. I would never use him to make any type of transaction. First Horizon reported Interest statements to IRS for XXXX XXXX XXXX in XX/XX/XXXX. This is the year XXXX XXXX XXXX XXXX amended & restated my tax information. {$53000.00} of my employee owned stock was used to sell my home through IRS. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX was reported to IRS. I need/want an explanation. IRS want an explanation also. The city of XXXX want an explanation. The wage earned courts want an explanation.
|
| 02/27/2020 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I am the VICTIM OF PREDATORY LENDING and I'm still SUFFERING from the ramifications of a BAD LOAN 14 years later. I filed a complaint with OCC.GOV as directed by my attorney and the TN Dept of Financial Institutions in XX/XX/XXXX and NOTHING was done. ( See attached ).
In XX/XX/XXXX, a loan officer for XXXX XXXX XXXX offered me a Commercial Loan to buy a medical office building and he gave me a summary outline of how the loan was going to look. ( Please see attached ).
One paragraph states : " RATE : Fixed at 7.90 % for 5 year term, BASED ON A 20 YEAR REPAYMENT. '' The next line states " Monthly payment : BASED ON A 20 YEAR AMORTIZATION for the {$630000.00} ... '' Five years later in XX/XX/XXXX, the same loan officer called me to inform me that I had a BALLOON LOAN and that the balance of {$600000.00} was due and payable immediately.
I told him that I had a 20 year loan NOT a balloon loan. I showed him the attached document that said, " BASED ON A 20 YEAR REPAYMENT '' and " BASED ON A 20 YEAR AMORTIZATION. '' Then he said, " But it says, " For 5 year term. '' And I pointed out that that paragraph is entitled " RATE '' and that the RATE was the ONLY thing that paragraph was discussing. According to the way it was written, I had a fixed RATE for 5 years and an UNKNOWN or UNSTATED RATE for the remainder 15 years. The form says in 2 different locations, " BASED ON A 20 YEAR REPAYMENT '' and " BASED ON A 20 YEAR AMORTIZATION. '' If this form was turned in to an English high school teacher or an English college Professor, I'm sure they would agree with me that the way it was written, the loan was for 20 years and had a fixed rate of 7.90 % for 5 years and an unknown or unstated rate for 15 years. This document was SKILLFULLY AND PURPOSEFULLY WRITTEN TO HIDE THE FACT THAT IT WAS A BALLOON LOAN.
So I ended up having to file Bankruptcy in XX/XX/XXXX because I did NOT have {$600000.00} suddenly at the drop of a dime. Since I had a personal guarantee on the Commercial Loan, my bankruptcy attorney advised me to file for personal bankruptcy instead of a business bankruptcy. When I filed for personal bankruptcy, I had to include all of my bills, including my mortgage.
In XX/XX/XXXX, the bankruptcy court Confirmed my Bankruptcy Plan which included paying a REDUCED amount on my mortgage from {$6200.00} per month to {$5100.00} per month. Now Seven ( 7 ) years later, the mortgage company has filed a Notice of Default because they said that I was supposed to have paid the ORIGINAL {$6200.00} per month all of these 7 YEARS and NOT the reduced amount ordered by the court. I only filed for bankruptcy because of a BALLOON loan that I was NOT AWARE of after being the VICTIM OF LIES AND PREDATORY LENDING by XXXX XXXX XXXX. My mortgage was CURRENT and ON-TIME at the time of filing. I only paid the REDUCED rate because I was INSTRUCTED to do so by the court! Now I'm being told 7 YEAR LATER that I should have paid the ORIGINAL AMOUNT that I had been paying BEFORE the bankruptcy!!!
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| 03/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On or about XXXX, I opened up a line of credit ( XXXX ) with XXXXXXXX XXXX now known as First Horizon Bank for {$47000.00}. On XX/XX/XXXX, I refinanced my home with XXXX XXXX XXXX and paid off the line of credit with XXXX XXXX and closed the account. Once the check was processed, XXXXXXXX XXXX was directed to forward Register of Deeds Office the original Note and Deed of Trust marked " PAID AND SATISFIED IN FULL '' in order that same may be cancelled of record. Should they have any question, they were directed to contact the closing agency XXXX XXXX XXXX. At XXXX XXXX XXXX XXXX, then directed them by law and request of XXXX XXXX XXXX, to please, close this account and cancel any related security instrument immediately. Please see attached letter from XXXX XXXX firm directed to XXXX XXXX Payoff Department Loan # XXXX, XXXX XXXX ( Payoff letter with Payoff Effective Date ) showing and proving the payoff amount with ( Per Diem Amount ) Showing and proving the loan was paid off in the correct amount. Also Authorization To Close Home Equity Line Of Credit Account, please review. Attached also is a copy of a police report, XXXX Report, Closing documentations.
I have not or never opened another account with XXXX XXXX or First Horizon Bank. I have specifically asked for VALIDATION of any INSTRUMENT or CONTRACT Bearing my signature, Pursuant to the Fair Debt Collections Practices Act, XXXX XXXX ( XXXX ), Validating Debts. They're are numerous Violations within the credit reporting from First Horizon Bank. They are reporting XXXXyears late aXXXXdays every month and by law is a violation. If the account in question was in fact mine or anyone 's for that matter.
" NOTE '' National banks and federal savings associations must follow federal rules and guidelines for charge-offs. Both types of financial institutions must charge-off delinquent installment accounts at XXXX days or five missed payments, and credit cards at " XXXX days past due after seven zero billings '' ( Allowance for Loan and Lease Losses ( XXXX ), Comptroller of the Currency Administrator of National Banks ). I also have attached the false reporting, Showing, High Balance {$9200.00}, Reported Balance {$10000.00} and they still have the account status as OPEN, Payment Due {$0.00}, Date opened XX/XX/XXXX and month after month they add another XXXXday late which is against the law and a direct violation of the XXXX & XXXX. Resulting in Open Date, History, Highest Balance, Term Payment Status Account Status, and Days late reporting on XXXX XXXX XXXX, completely false, inaccurate and simply not my account. I have disputed this account with XXXX XXXX or more times without the proper results after showing and proving my claim, backed with factual evidence and they are in direct violation, Along with First Horizon Bank. XX/XX/XXXX First Horizon Bank Update the reporting with XXXX to XXXXdays late every month for XXXXyrs and XXXXdays late for over XXXXyr still showing major violations.
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| 09/13/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I do n't know which family member First Tennessee Bank allowed to use a power of attorney. Because of this I was denied freedom of information by First Tennessee Bank. My birth certificate, driver 's license and social security card was stolen and copied by family members. A background check was n't done on the family members. First Tennessee Bank even stated the circumstances were unique. I need copies of all deposits and payments on account number XXXX from XX/XX/XXXX-XX/XX/XXXX. My father XXXX XXXX in XX/XX/XXXX, he was XXXX when he XXXX XXXX. His social security number is still active in XX/XX/XXXX. His name is XXXX XXXX XXXX. My mother name is XXXX XXXX XXXX and she XXXX XXXX in XX/XX/XXXX, her social security number is still being used by the family members.
XXXX XXXX once lived in the home with my late father. XXXX knew my father was my emergency contact, she began stealing my mail.
In XX/XX/XXXX I filed a medical malpractice law sue. The family members began preparing my XXXX. XXXX XXXX heard the doctor say I would n't survive if I did n't have a XXXX XXXX. Due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I was flown to XXXX, I also had acute XXXX XXXX. The case number is XXXX XXXX, filed in XXXX XXXX. They family knew the attorney asked for XXXX XXXX dollars.
I was under wage earner in XX/XX/XXXX when I began with depositions. The bankruptcy attorney filed the law sue as workman 's compensation. This caused my personal information to become public record. This is how they were able to access my records. All are in violation of my HIPPA rights, civil liberties, civil rights.
By First Tennessee Bank giving the family members access to my personal information /accounts, they 've abused /wasted government funds.
I also need all of the transactions for account number XXXX from XX/XX/XXXX-XX/XX/XXXX. I need copies of all transactions from XX/XX/XXXX-XX/XX/XXXX.
XXXX XXXX XXXX XXXX also allowed the family members to delete all of my former employers from XX/XX/XXXX-XX/XX/XXXX and change my addresses.
I was told by the FBI to pull my credit report, because of all the fraudulent activities.
A power of attorney is only suppose to be used when a person is XXXX /and or unable to handle their own affairs. It was not suppose to be used for organized crime/white collar crimes such as this type of theft.
First Tennessee Bank participated by giving family members access to my personal information and not reporting the transfer of my mortgage loans to the bankruptcy courts. You may say my identity was stolen. Why was I under investigation by the FBI? They are the ones that told me to pull all of my tax transcripts. I had to do my own research, because attorneys was being paid kick backs by the family members.
I 've reported them to the Supreme Court in XXXX TN. The Social Security Administrator told me what to look for also.
I 'm deprived of health care insurance due to the abuse.
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| 09/01/2015 |
Yes |
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Web |
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XXXX XXXX wrote on XXXX/XXXX/2015 XXXX -- -- -I 'm disputing transaction on XXXX/XXXX/2015 for XXXX to XXXX. I believe there is fraud involved in this transaction. XXXX claim they have never received funds and First Tennessee bank claims that funds were cashed. Please replace my card ASAP. If this issue is not resolved asap I will forward the manner to t Consumer Financial Protection Bureau ( CFPB ) the government agency that handles credit card complaints. I have spent several hours try to handle this issue at both banks locally located in spring hill tn and each other blames the other. I have also tried calling customer service and they have been unable to assist. Frist Tennessee Platnium Premier Visa account number XXXX XXXX/XXXX/2015 for XXXX to XXXX.
This is the email I sent First Tennessee Bank. My spouse went once again to XXXX XXXX XXXX and spoke with XXXX XXXX as instructed by First Tennessee Bank letter is attached below. XXXX XXXX XXXX provide us with a copy of the balance transfer check that was sent by First Tennessee Bank and the reason it could n't be cashed because the micro number was missing from the bottom of the check.
This was the response from first Tennessee Bank on XX/XX/2015This letter is in response to your recent correspondence regarding your balance transfer request with XXXX XXXX. I attempted to contact you via telephone on XXXX/XXXX/15 and was unsuccessful.
Our records indicate that a Cashier 's Check was mailed to XXXX XXXX and cashed by them on or around XXXX/XXXX/15. A Financial Center Representative spoke with XXXX XXXX at XXXX XXXX and was advised that the Cashier 's Check was received and cashed. He indicated that a Cashier 's Check was mailed to you due to an inaccurate account number being provided. Unfortunately, you would need to contact XXXX XXXX for assistance in obtaining these funds. You may reach XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. We apologize for any inconvenience this has caused.
We have requested a copy of the cashier 's check for your records and this will be mailed to the address on file within 7-10 business days.
First Tennessee values our customers and our reputation. We work hard to answer any question or correct any problem brought to our attention. If you need additional assistance with your request, you may contact Customer Solutions at XXXX, Monday through Friday from XXXX to XXXX, EST. Please reference the tracking ID XXXX when contacting us regarding this issue.
Sincerely, XXXX XXXX.
Customer Solutions RepresentativeFirst Tennessee BankTo notify us of an error or request information about your account, please use the following address. Please include your name, your account number or other information that will help us identify your account, the error that you believe occurred, or the information requested. Send to : First Tennessee Bank, Attn : Customer Solutions, XXXX. XXXX XXXX, XXXX TN XXXX
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| 10/16/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
Older American |
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My HELOC with First Tennessee Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years ( last six months of statements are enclosed ). In XXXX I filed a complaint against First Tennessee Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for First Tennessee Bank dated XXXX/XXXX/XXXX ( letter enclosed ) saying that they would take care of it. I disputed this response because although First Tennessee Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted First Tennessee Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone.
I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period.
The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with First Horizon Home Loans, a division of First Tennessee Bank N.A. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX ( letter enclosed ). The HELOC was then transferred back to First Horizon effected XXXX/XXXX/XXXX ( letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that First Horizon was now First Tennessee Bank ( letter enclosed ).
ACTION NEEDEDThis HELOC with First Tennessee Bank should be reported as open with a 10 year credit history.
Under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in Federal District Court for violation of my rights under the FCRA naming First Tennessee Bank, and the XXXX credit bureaus.
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| 04/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Servicemember |
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On XX/XX/XXXX I Had Seen An Ad while Playing a Game on My XXXX. I Clicked on Ad For XXXX XXXX XXXXath XXXX I Ordered One XXXX XXXX. Their Sight Was Difficult To Get Through to End Page. I Got To The Total Page I Needed To See How Much I Was Charged with Shipping & Handling. It Came To {$96.00}! So I Didn't Hit Submit Button, I Backtracked to First Page & Tried Again. This Time I Was Charged {$11.00}. I Hit Submit. It Was XXXX XXXX. I Fixed TV Dinner & After I Ate I Checked My Online First Horizon Tennessee Bank Account. XXXX XXXX XXXX Me {$53.00}, {$29.00} Plus The {$11.00}. I Tried to Call XXXX XXXX Line Was Busy. So I Emailed Them. I Then Went To My XXXX Bank XXXX Filled Out a Fraudulent Charges Transactions. XXXX Morning XX/XX/XXXX I Hadn't Received a Automated Response From My Bank, So I Called & Found That My Bank Hadn't Received My Form, That I Should Refile. I Did That Monday. A Week Went By And I Still Hadn't Received My Money Back From XXXX XXXX. I Called Bank They Stated They Had Dumped It ...? That They Waiting On Me? I Never Received A Message From Bank! So I Asked Should I Refile Form Again? Yes. I Refiled 3rd Form. And Checking Everyday For The Remaining Days of XXXX. On XX/XX/XXXX I Hadn't Received Any of My Money Back.
I Called Bank Again Asked Why My Fraudulent Charges Are Still Not Back into My Account? Bank Associate Stated They Were Still Investigating Fraud. XX/XX/XXXX I Checked My Account Again. XXXX XXXX Had Charged Me Again! {$23.00}? I Filed Yet Another Fraudulent Charge. XX/XX/XXXX I Was Asked To Give My Bank More Information. I was Very Upset I Told Them To Forget About The Whole Situation I Was Tired Of Waiting & Being Made Out To Be A Liar. & I Gave Them What They Wanted. XX/XX/XXXX, I Ordered Fast Food & My XXXX XXXX Card Wouldn't Take? I Called My Bank & Found Out Bank Had BLOCKED My Card? They Didn't Ask or Tell Me. I Asked Male Associate If He Could Over Night Me a New XXXX XXXX Card? He Said No I Could Come To Bank & Pick Up New XXXX XXXX XXXX. I Explained I Do n't Drive & I Was Getting Over An ILLness. That Because of My Health I Was & Still Am Afraid of Catching The XXXX. He Said I Would Get My New XXXX XXXX Card in XXXX to XXXX Business Days. On XX/XX/XXXX I Still Hadn't Received My XXXX XXXX Card, I Called Bank Female Associate Stated Because of Pandemic It Could Take 2 To 3 Weeks To Get My XXXX XXXX Card. But I Could Come To Bank & Pick Up a New XXXX XXXX Card, Your XXXX XXXX Card Is In The Mail XXXX XXXX.
It's XX/XX/XXXX And I Hadn't Received My XXXX XXXX Card. Even If I Had Someone To Take Me To My Bank I Would Be Fearful, Because I Have NEVER Been Treated Like This From Any Bank I Have Had Accounts With Over The Past Thirty Years.
I Have Tried To Email CEO of First Horizon Bank But I Never Received An Answer From XXXX XXXX XXXX.
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| 07/09/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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First Tennessee Bank allowed a series of fraudulent deposits to be made by The Tennessee Department Of Labor. XXXX XXXX XXXX XXXX did not report their tax ID number to the Tennessee Clearing House. Taxes was n't being paid on me. XXXX XXXX did not report my date of hire, the date I was laid off or my buy date to the department of labor. XXXX XXXX pulled my employee records & got this information to me. The amount I was suppose to be paid was n't reported to the department of labor in the state of Tennessee. First Tennessee Bank allowed employees with the department of labor to create checks in my name. Their routing number is on the checks. First Tennessee Bank tried to delete the images to keep me quite. The employees offset the deposits using the bank deposit slips. I filed a medical malpractice law sue in XXXX. In XXXX when I began with my depositions. I happened to be under wage earner. The wage Warner attorney reported my law sue as workman 's compensation. All of my records became public, without my knowledge. Of course XXXX XXXX told me what happened. The malpractice attorney asked for XXXX dollars. I guess the citizens in XXXX thought they hit the lottery. The XXXX Family took Complete advantage of the Government. They changed the buy date to XX/XX/XXXX to steal additional monies from the government. XXXX XXXX insured a series of people. XXXX XXXX was the agent that added a different number at the end of account number. The account number was XXXX XXXX XXXX. People paid for car warranties to service cars. XX/XX/XXXX $ XXXX-spp in XXXX -car warranty XXXX. People had services sigh XXXX XXXX XXXX with code names to identify each other. This is organized crime. XXXX XXXX participated in this. Transaction from Tennessee department of labor. TN UI Payments XX/XX/XXXX-XXXX & XX/XX/XXXX-XXXX. This money did n't belong to me to be disbursed in the manner it was disbursed. XXXX XXXX XXXX bills was being paid that did n't belong to me. On XX/XX/XXXX-acount number XXXX was paid. The amount paid was {$360.00}. This was n't my account number before First Tennessee Bank took my home at XXXX XXXX XXXX. XXXX TN XXXX. Different mortgages was paid to XXXX XXXX XXXX with Government funds. Using my social security number & drivers license. On XX/XX/XXXX a complete XXXX bill was paid. The ref # is XXXX. A series of XXXX bills was paid. XXXX payments was made to steal XXXX XXXX XXXX insurance, XXXX, & accident. Different people used my insuran e. Everything has been taken from me with the bank help. When I reported everyone deleted information, rather than admit you failed to notify me of the fraudulent activity. Checks was being used with my account numberXX/XX/XXXXXXXX amount {$90.00}. check number, XX/XX/XXXX-XXXX- {$10.00}.
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| 06/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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The main reason for writing this is to request a review of my negative remarks on my account by XXXX XXXX XXXX, now First Horizon Bank who initially declined my request after contacting them.
I am kindly requesting the removal of a negative remark on my account from all three credit reporting bureaus for I am petrified I might end up homeless.
My main issues started at the time when I moved to campus for my XXXX year in XXXX was going through financial hardship.
I took a back foot and was not able to make any payments during that time.
I will attach proof of XXXX status at that time through my enrollment verification.
Kindly please review this document.
I am requesting a review more so now after all this time is mainly because.
First, I currently feel stuck and I am in emotional stress since my roommate is currently getting ready to move in with his girlfriend and it is not possible for me to live with them anymore.
I met with my roommate when I moved to California for a job immediately after graduation With this being a big shift, going out on my own to a different city, It was hard for me to find a place to stay.
Luckily, this was when he decided to help me which was meant to be temporary as I was finding a place to stay However, I ended up staying for a year.
Secondly, because of the negative remark on my credit card.
Nobody deems me credible even though it is not the case.
I was desperately seeking help and did a XXXX search on how I can get my credit fixed online At this time, I was trying to find a place to stay after my temporary stay was coming to an end.
The simple search led me to a credit repair company that promised to help me delete the account legally and fast within a specified time.
Nothing specifically changed and I looked for a solution from other credit repair companies who promised heaven but delivered nothing basically.
But again, nothing really changed, and it is during this process that they all advised me STOP MAKING payments.
They claimed that it will be easier for removal, and in the process, I was still getting charged upwards of {$100.00} a month for this.
Since nothing seemed to change, I felt betrayed, lied to, and scammed. This has left me in a very depressive and mentally challenging state.
A sample email I sent to one of those companies complaining about their service is attached below Hence, therefore, I finally decided to reach out to you for assistance.
I'm kindly requesting that my negative remark removed from all 3 credit bureaus.
This is in hopes that when my roommate moves his girlfriend in, I will be able to find a place to live.
Kindly looking forward to your response and consideration of this matter.
Yours, XXXX XXXX,
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| 01/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Confusing or missing disclosures
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Web |
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First Horizon XXXX XXXX XXXX XXXX, XXXX, TN XXXX The main conflict occured roughly XX/XX/XXXX XXXX XXXX XXXX the beginning I was treated as if I wasn't a customer and a liability by the XXXX XXXX. That goes into great detail. Long story short, she got a false accusation from a third party saying I had a warrant for my XXXX commanding I be removing from my home by XXXX instructing him to take all my bank information from the old account documents card ect which he didnt do because he knew and stated the situation was crazy ( with multiple lengthy calls XXXX? ). She then started a financial investigation writing Negative {>= $1,000,000} XXXX onto the account, started an elderly abuse investigation and I was told after all was settled the account would be re opened. I think the financial abuse investigation was terminated by her as 13? 14 days hadnt passed and she had switched the account off within probably 4 days. I passed the investigation ( s ) and now im being told more lies and excuses as to why I can not open the account or as to why it hasnt re opened. Ive called multiple managers and they all give a different answer. It hasnt been 2 years and she opened his old account with his deceased adopted daughter who passed as of XXXX and they are telling me I can not open the account and that I have no grounds and that two people need to be present. Which doesn't seem to be their track record or what I was originally told. They also claim there was no significant amount of cash in the account before closure, which there was. And claim the account is at a XXXX balance which makes it not worth opening ( thats because all funds were moved right around the same time I deposited a check ), but if there was cash in there they could do something. TO much XXXX. Also told my grandfather I was stalking him and told me I hacked him because she didnt change my email off the account when she switched things over. I was doing my research and heard it can have future penalties, and they wont disclose any information from the account to me so I Dont know if it was closed as an on going financial abuse investigation or what have you. I appreciate your help thank you. Also reported scam transactions on the account and was called stupid, and then blamed for it a few days later when XXXX got hit with a bigger false transaction by XXXX.
I really dont want the company to " review '' this, as soon as I went in to speak with XXXX to settle this issue she opened her email and sent a message out ( as were speaking ) which dulled the communication I was getting from other Bank Managers .
I am also currently very sick and navigating through life has been hard, should be getting the medicine soon and over this turmoil.
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| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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4. I am not the party listed on credit files that opened up the previously mentioned accounts. Though my name and private information may have been used.
5. I have been displaced by these particular acts through identity theft and fraud.
6. Your credit account is inaccurate information listed on these files and records. Someone has unlawfully used my name and used unambiguous information and endorsements that established the account without my authority or signature.
7. I never signed nor endorsed any contract or applications that created an account for debt service with the listed corporations, agencies, or companies and they have agreed that I have not contracted with them via their verification to XXXX which is attached.
8. Thus then, remove this product of identity theft and fraud from my Credit Report.
9. It is a fact that the signatures that created these agreement ( s ) are not my endorsements, and they are confirmed forgeries.
10. I demand that you dispatch verifiable signatures on all original applications that opened accounts with the signatures available for examination and investigation or delete all fraudulent accounts.
11. This affidavit is made Pursuant to ; FEDERAL RULES, Fair Debt Collection Practice Act FDCPA, 15 USC Section 1692 Title 15 Commerce and Trade Chapter 41, Consumer Credit Protection Sub Chapter V Debt Collection Practices. Sub-Chapter V Validation of Debt, The Fair Credit Reporting Act FCPA USC title 15 section 1681, Uniform Commercial Codes U.C.C. Commercial Business Law codes ; UCC 1-201. ( 39 ) Party to authenticate a writing. UCC 3-503. ( cii ) notice of dishonor. UCC 3-104. ( e ) negotiable instrument. UCC. 1-207. rights reserved without prejudice. UCC 1-103. principles of law applicable. UCC 3-401. ( a ) ( b ) liability of parties. UCC 2-609. rights to adequate assurance of performance, and UCC 3-402. signature as defined.
12. If This notice confirms that ID fraud and / or signature forgeries, and unlawful displacement exist, and that 13. possibly endorsements were used on commercial application [ s ] without my consent or knowledge and I was a victim and not the accommodating party to any of these fraudulent contracts, applications, adoption }, or any transfer agreements.
14.
15. Consumer shall consult with the Federal Trade Commission and legal counsel if Credit Reporting Agencies ignore federal regulations.
16. CREDIT REPORTING AGENCIES are also liable to the law under the Fair Credit Reporting Act USC Title 15 section 1681 ( i ) and can not report a debt that is inaccurate or disputed lawfully and found to be inaccurate and the result of ID fraud. The law states at USC 15 section 1681 ( i ), ( a ) Reinvestigations of disputed information
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| 05/18/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My company, XXXX XXXX XXXX ( an outpatient physical therapy clinic located only in XXXX, Georgia ) had its Tax ID stolen band with it a fraudulent bank account was opened with Capitol Bank in XXXX TN ( now called First Horizon Bank ). Unfortunately the Bank Manager was duped by a fraudster who allowed him to put a series of more 60 stolen checks from the Georgia business to be deposited into the Capitol Bank account ( knowing the Georgia physical address on every checks deposited in the TN account ) - this fact alone should have alerted the bank processor ). Additionally a number of our XXXX, XXXX and Third Party payments were also EFT 'd into this fraudulent account. The total amount of revenue embezzled / stolen is in excess of $ XXXX ( this crime took place over the course of 6 months as it took that long to shut the crime down ). Its important to note that Capitol Bank was put on notice of the crime with weeks of the account being opened. I personally requested that the account be frozen to protect our revenue, unfortunately the bank failed to take any action to protect my small businesses interest. In fact they allowed the money to be with drawn directly to person committing the crime ( in cash and checks made payable to him personally ).
Attached to this file is series of documentation that include a detailed letter from the Georgia Attorney XXXX XXXX, who highlights the crime, the bank errors and request that the bank return the money to it rightful owner XXXX XXXX of Georgia. A XXXX County subpoena to the bank requesting the account documentation, A response from Capitol Bank including the account fraudulent signature card, with highlighted bank errors ( ie : a fake address for XXXX XXXX in TN ). Also attached are copies of the actual account bank statements supporting the fact of this claim. Last included is a XXXX County Criminal Arrest Warrant for the person that committed the crime.
We have requested that the Capitol Bank ( First Horizon Bank ) return the stolen funds to our company in Georgia, unfortunately we have not gotten it back yet. That said to protect the statute we remain in a tolling agreement with the Banks Attorneys ( now more than 1 year ) .... unfortunately to date we have not been successful recovering the stolen money. We are seeking assistance with the Consumer Financial Protection Bureau for oversight into this matter, and requesting CFPB reach out to the bank on our behalf to find out what the hold up might be, otherwise we requesting all the stolen revenue be returned to us, again approx XXXX.
I sincerely appreciate your review and consideration of the facts and remain hopeful Capitol Bank with take proper action to reconcile this matter.
Thanks
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| 08/28/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/XXXX at around XXXX. I went to First Horizon Bank located at XXXX XXXX XXXX XXXX in XXXX TN. I attempted to make a deposit into my personal checking account using the drive up window but I was instructed by the teller XXXX to come into the bank.
The teller XXXX stated First Horizon bank was going to place a hold on my SBA loan in the sum of XXXX. She stated that SBA funds could not be released into a personal account. I asked what could I do to clear the matter and I asked if I could open a business account to resolve the matter. XXXX stated the funds couldn't be turned over into a business account but I could still open a business account with an additional XXXX dollars. She also stated that even after submitting the necessary paperwork the funds still wouldn't be released for another 7 to 10 business days because of the hold on my account.
I was instructed to come in with my : XXXX Tax Return along with XXXX XXXX, EIN number and a business license to be able to retrieve my own loan that was already approved by SBA 's rigorous approval process.
This is an unreasonable requirement. The CARES Act that set up the loan program says you must be in business before XX/XX/XXXX. It doesnt say that you must have a separate business account before that date. The federal CARES Act does not require you to have a business account to be able to receive SBA loan money in your account. Self employed people are not required to have such an account. The bank can accept my deposit under federal law without a business account and there is no justifiable reason for them to hold my loan for an additional 7 to 10 business days. Also, you don't need a business license to open up a business account as a XXXX XXXX so why would I be asked to show a business license to gain access to funds that have already distributed to me directly from the SBA? First Horizon did not disburse the loan.
A DBA name is not required by the federal law and it is not required by law if you use your own name as a XXXX XXXX. For the bank to require an EIN and a Business license to gain access to funds that have already been approved and released by the SBA is unreasonable and unnecessary. A DBA name doesnt make you more of a business. I am XXXX XXXX and I am a XXXX XXXX. I am legally able to use my social and my EIN to conduct business. Providing an EIN and a business license to be able to gain access to my own funds to further my business is deceptive and unethical. Holding my funds for an additional 7 to 10 business days after I have to show additional unnecessary documentation is also deceptive and unethical First Horizon has a history of discriminatory practicing and this bank needs to be investigated and fined.
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| 10/23/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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First Horizon bank on XXXX XXXX, XXXX tn XXXX, yesterday XXXX between XXXX.
Huge lines outside at drive through, first I asked for cashier check from my business to another business, bc I have personal account ... she said yes and sends withdraw slip. I filled out everything including my business and details on the back how to make cashier. Id and debit card already in.
After few minutes shes can not make it from a business ... ok just give me cash, I asked first, Im late!
After few more minutes she asks my ssn, told her not normal to tell ssn in parking lot for everybody to hear! Ssn is on file! Anyway I gave ssn. After a while she goes about some form for irs bc over XXXX ( was XXXX ) ... ok Im very late!
After more minutes asks occupation ... dont have one, just need my money! Shes asked if retired ... no, dont need occupation to get my money!
Other customers outside yelling at them bc is closing time!
Nothing for many minutes so I call ... asking what is happening with my cash ... shes saying no cash without occupation! Finally I get mad and told her that she knew my business name, wrote on back of the slip, and shes trying everything not to give my cash! Now they closed and even after yelling twice my occupation and business name/address she sent my card and id out! Completely ignoring me outside! I had to live to see a teller doing whatever she wants with my money and my integrity!
Now I know how many hundreds I lost being late ( late fees arent cheap at XXXX for my dealership ) so to show my disgust I put tube on floor ... filming the window trying to get a face with this humiliation ... no time bc security guy shows and blocks my car, standing in front of my bumper! Very angry asks me to pickup tube, I asked if there is a law ... littering ... so thats trash? No! Ok so nothing to talk about!
Scene is illogical bc can not open the door when door blocked sitting next to tube, and can not reach it sitting in the car ... this was another way of humiliation!
I keep asking security guy to move and let me go, and explain that they refused to give my money and thats unacceptable ... he keeps saying to pick it up, and that I didnt give info they requested ( so security is playing her dishonest game ) ... said no and for last time clear the front of my car! I start car and start creeping forward, he doesnt move, front bumper touched his leg and I stopped ... hes reaching for his XXXX ... I yelled at him to stop or hell XXXX XXXX XXXX have to defend myself! He stops and move, after more yelling ... I explained about the lawsuit coming and hell be part in it.
Finally I can drive away from one of the worst 40min in my life.
|
| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I received a letter dated XX/XX/XXXX with a check enclosed for {$330.00}, that stated our mortgage company, First Horizon was unable to process our payment because the loan had matured. This prompted me to call to inquire what did this mean. The representative at First Horizon stated she did not know why the check was sent to us and that someone would call back to assist us further. No call ever came. A few weeks later I called again to inquire about check being returned and I also requested an audit of the account. This loan had been sold/transferred many times so I wanted to verify that terms and amount had not change. To date, I never heard back from anyone or received any correspondence until XX/XX/XXXX when I received letter from debt collector stating that we were facing foreclosure. We called First Horizon this morning and asked what prompted this. XXXX been inquiring about the returned payment and have requested an amortization schedule/audit to no avail. After being transferred several times this morning all we have discovered is that when I entered into Loss Mitigation back in XX/XX/XXXX, it was incorrectly listed as incomplete. I have proof that I provided all information/documentation that was requested and at the time of request I was given verbal confirmation that all was good. I have never received any other correspondence after that stating otherwise. We are totally perplexed about this whole debacle and wondering how are we now in foreclosure when no one from First Horizon has made us privy to any of this. First Horizon refused payment from us and then not respond to any of our requests since XXXX and then proceeded to put us in foreclosure. Our hands are tied and after speaking with several departments this morning were still none the wiser. XXXX done our due diligence but we are not in control of how First Horizon conducts business. Initially our loan was with First Horizon and then XXXX and then XXXX XXXX and now back with First Horizon. A few payments were sent to the incorrect mortgage company due to this merry go round. Please research the history of this account so that we can have clarification of what transpired and where the ball was dropped. It doesnt make sense that until XX/XX/XXXX, all payments had been accepted. First Horizon returned our payment so how were we to stay current if they refused to process payment? First Horizon deliberately made this account go into default by refusing payments. Theres been no emails or letters from First Horizon inquiring about missing payments. And when we asked back in XXXX and XXXX about the returned payment and request an audit of this loan they provided NOTHING.
|
| 12/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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I am a first-time home buyer and I started on my home purchasing journey in XX/XX/XXXX. In this process, I have dealt with two loan officers. The last Loan officer I was introduced to by way of a realtor I was working with at the time. The loan officer 's name is XXXX XXXX, she works for IberiaBaknk/First Horizon. Her NMLS ID # XXXX. I was Pre-Approved through XXXX XXXX for a loan amount of {$230000.00}. After being pre-approved through XXXX XXXX I begin house hunting with my then realtor XXXX XXXX. My experience with XXXX XXXX as a first-time homebuyer was frustrating and produced no results for me. After expressing my concerns and frustrations with XXXX XXXX I decided at that time to sever our relationship but continue my financing with IberiaBank/First Horizon.
After I discontinued my relationship with XXXX XXXX, I informed XXXX XXXX of my new realtor. After she was informed that I would be working with a new realtor there was a shift in her communication with me, her approach with relaying information to me, her attitude changed for the negative overall. I continued to search for a home on my own and after I had found a home within the pricing of my pre-approval from XXXX XXXX, I informed her of the realtor that would be assisting me with the closing of my contract. At this point, its technically 10-15 days until the expiration of my pre-approval letter. XXXX has received all documentation she has requested from me and has not mentioned any issues as she is receiving requested documents. My closing date was set for XX/XX/XXXX, XXXX XXXX has not called me to provide any updates related to financing issues. On XX/XX/XXXX she called me to inform me that now, I do not qualify for any loan due to my income decreasing by {$270.00}. As I would think any good, reliable, and savvy Loan Officer would present the Buyer with options on how to work around the minimal change in income to secure the contract that has been put in place. She has made it clear to myself and the new realtor team that I have been working with that she is against the idea of me being approved for a loan to make a home purchase due to personal relationships that would not be gaining from my home purchase. She has displayed unprofessionalism by not communicating properly, intentionally giving misleading information to discourage the purchase of a property. I ask that XXXX XXXX be investigated and have all of her DENIED applications audited to see if there is a trend in her behavior with past clients. She needs to have a neutral position in the home purchasing process as the Lender, and not favor a specific realtor to ensure commissions for them.
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| 06/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I purchased a diet pill online in XX/XX/XXXX. It apparently had an automatic renewal in the purchase. When I received another bottle ( I hadn't used the first bottle ), I checked my statement and found the purchase on there a second time. I went to the package and there was no invoice or info for me to call and cancel. I did not receive an email from the company to use to cancel. I do online banking and looked at the transactions online and there was no contact information for the company there. I contacted the card company and claimed this as fraud since I had no ability to dispute the charge or cancel. The representative indicated that they would not consider this as fraud since I made the initial purchase ( I did not dispute the first charge, just the subsequent one ). I received a letter from the card company ( photo of the letter attached ) saying they wouldn't consider it as fraud and my only recourse was against the merchant. This, obviously, upset me since I had no apparent way to contact the company. The representative indicated to me that my only other recourse would be to cancel the card and get a new number so that the charge couldn't come through again. I was reluctant to do this because I have recurring purchases on the card and I would have to go online to a dozen places to change out the credit card number. Since I started this process with the card company and before I received their letter ( today - XX/XX/XXXX ), another charge came from the company ( dated XX/XX/XXXX ). The card company also did not provide a provisional credit for the XX/XX/XXXX charge that I was disputing. The original charge appears to have been XX/XX/XXXX. I decided I would go to the CFPB website and dispute, so I went to look at the .pdf of the statement. On the printout of the statement was a phone number, so I called that number and, it appears, this charge will no longer come. My complaint is for the XX/XX/XXXX charge from XXXX, as well as the XX/XX/XXXX charge that came while no provisional credit was made and since Visa did not attempt to contact the merchant. Also, I note that the online transaction showing in my First Tennessee online banking ( this is a First Tennessee Visa ) did not include any contact information for the company. When I talked to the representative, I indicated the fact that I had no way to contact the company. If that phone number were available on the transaction, why did he not give it to me to call? If this call ends up having taken care of things, I could have made the call before the XX/XX/XXXX charge came through. I can provide copies of the statements if necessary.
|
| 12/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
On XX/XX/22, we noticed an {$8100.00} withdrawal from our checking account with First Horizon Bank. Upon further inspection, we saw that a check we had written to the utility company XXXX XXXX XXXX, XXXX, and XXXX ) for {$220.00} was changed to {$8100.00} and the payee changed to XXXX XXXX. This check was originally deposited into a blue USPS mail box at the XXXX Tennessee XXXX XXXX. We immediately notified First Horizon who told us to file a police report with the XXXX Police department. We filed a police report and completed an affidavit at the bank on XX/XX/22. We were told by the bank it could be 3-6 months before we receive our money back. At the end of XXXX, the detective for the XXXX police department informed us that she had completed her investigation and turned the investigation over to the US Postal Inspectors. She stated there were multiple victims and all had received their money back except us. She said she would email her contact at First Horizon to inform them. We called First Horizon to inquire about our funds who told us the investigation is still pending, and that the check was deposited into an ATM at XXXX XXXX XXXX, so they are waiting on XXXX XXXX XXXX to give the money back so they can credit our account. We were also informed that only a branch manager can provide a provisional credit. We called the branch manager who said she will not provide us a provisional credit for this amount. We have been banking with First Horizon for over 50 years and have always had our accounts in good standing. We have filed two complaints with First Horizon XXXX XXXX on XX/XX/22 and XX/XX/22. On XX/XX/22 a First Horizon representative told us that she spoke with security and they said we need to call XXXX XXXX XXXX and ask them to give our money back because XXXX XXXX XXXX will not speak to a 3rd party. This answer is unacceptable. On XX/XX/22 we received a letter from the DOJ victim notification system informing us that the person responsible for the stolen check has been in XXXX XXXX Custody since XXXX and has a court date in XXXX. The defendant is charged with robbery or burglary- mail, money, or other property of United States and theft or receipt of stolen mail. We again informed the bank on XX/XX/22 to prove to them we are victims. They asked that we send them our victim notification letter as proof. I have asked multiple times to speak with someone in security but never receive a response. Our funds are being withheld from us by our own bank and we have been told its up to us to get our funds back from another bank who we do not have accounts with.
|
| 07/27/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
|
|
Web |
|
|
I was allowed to cash eleven ( 11 ) Money Orders each for {$990.00} between XXXX XXXX XXXX, XXXX. All eleven have turned out fake, and now the bank is demanding full payment of the overdrafts on the checking and savings accounts used. Fees and fines are continuing to pile up on top of the overdraft charges. These money orders were part of a secret shopper scam I fell victim to, and were fake. The bank continued to cash these well beyond what funds were available in the accounts, so I assumed they were valid. Otherwise, they would require me to deposit them until they had cleared. The bank scanned them and kept cashing them. If the bank could not tell they were fake, how could I? Why did they not require me to deposit these until they had cleared? Other tellers I have talked to immediately knew this situation for a scam. Why do the tellers at one branch of the same institution receive different training than the others? On XX/XX/XXXX, I noticed a negative balance in my checking account. In tracking down the problem, the fake money orders were discovered. The accounts were frozen. Unfortunately, these were joint accounts with my mother. She is being punished as well. She has already lost her XXXX Social Security Deposit, and has been living in terror for over a month about losing her home equity loan. The original loan was taken out in XXXX, and she has never missed a payment. Her credit is ruined, and she could never get another home loan with payments she can afford on a fixed income. Between XX/XX/XXXX and XX/XX/XXXX I have tried to set up reasonable payment plans. I am actively looking for work, and I am confident I will soon be employed. I have 4 acres of land for sale, and it will sell-but not overnight. Nobody can tell us if my mother will become homeless by losing her loan. Nobody can set up a reasonable payment plan with me, until I can make larger payments. The only advice we get is wait on the recovery team to contact you, while we are getting continuous notices and letters demanding payment in full of outrageous overdraft amounts. When we can't pay in full, more fees and fines are tacked on. Meanwhile, no word from this recovery team. My mother is elderly, and living in fear each day is not good for her physical and mental health. She is convinced she will soon be homeless. I was victim of a scam, and my mother is paying a horrible price. Please work with me on reasonable payments until I can make larger payments. Most of all, PLEASE do not change my mothers home equity loan forcing her into homelessness. Thank you for your time and consideration.
|
| 03/28/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
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Web |
|
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On a monthly basis First Tennessee/First Horizon currently ( as of XXXX XXXX ) continues to report late payments to my credit bureaus, for a Home Equity Line of Credit Mortgage loan that was charged off by First Horizon in XXXX. I have repeatedly disputed the accuracy of the amount of the balance that First Horizon has been reporting and requested them to provide closing documents that demonstrate the disbursement of funds to reconcile this balance. First Tennessee has responded by informing me that it is not their responsibility to provide these documents and they have stated that they did not distribute funds at the closing, that would have been done by the title company. The mortgage company that was directly involved was First Horizon Home Mortgage, which is a subsidiary or affiliate of First Tennessee. The title company directly involved in the closing was XXXX XXXX, which was brought into the transaction by First Horizon. I have attempted to track down the requested disbursement of funds documents by contacting XXXX XXXX ( this company is no longer in business ) and First Horizon in XXXX, MI ( this company is no longer in business ). The State of Michigan XXXX shows that First Horizon had not had a license since XXXX, but did show as an affiliate of First Tennessee in XXXX ( eliminating the requirement to be licensed through Michigan ). The closing with First Horizon that is being referenced occurred in XXXX of XXXX. As I have been in contact with First Tennessee attempting to reconcile the balance, they confirmed that First Tennessee closed all of the First Horizon offices in Michigan, but still refused to provide documentation related to the disbursement of funds during this closing. In conversations with First Tennessee, representatives have failed to even acknowledge the first mortgage that was a part of this transaction. This is important because the first and a portion of the second mortgage account for the dollar amount that was due to XXXX Bank ( holder of the loan at the time of the closing ), that are not being accounted for, in addition to other fund disbursements that First Tennessee is not accounting for. The route cause of this problem is the fact that First Horizon suggested that this transaction be completed by splitting the mortgage into a first ( mortgage ) and second ( home equity line of credit mortgage ) to avoid having a " Jumbo '' loan. I have since found out that the total of the loan in question would not have been above the amount that would have qualified as a " Jumbo '' loan had it not been split into a first and second.
|
| 02/08/2017 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
Hello, My Mother and Father had a safe deposit box in both names they have both passed away mom in XXXX and dad in XXXX XXXX. This safe deposit box has unclaimed property in it and has been drilled emptied and is being held by the Bank ( First Tennessee ) I and my brother would like to enter the box and search solely for a Will or important papers for either parent. I and my brother should being the rightful heirs be allowed to search for a will we do not want to remove any property at this time but there could be a will or important papers in this box. I would like to access the contents under TCA 45-2-905 subsection ( c ) ( 2 ) which says " also provides that if there is no order of the court, the following individuals can get access for the sole purpose of searching for a will, burial instructions or life insurance policies.1 Spouse of decedent 2 Parent of decedent 3 Adult sibling of decedent " me '' These individuals can get access to these safe deposit boxes but only with bank personal present both bank official and individual who gets access to the box must record a written inventory all items found in the safety deposit box.
I am willing to follow these rules and have given notice to the bank and provided all paper work why on earth would they deny my entry under these rules handed down. I just do n't see how that can be legal for them to deny me to view the contents for a will. I am looking solely for a will or instruction left by my parents on their last wishes and I am getting a little mad about the block being put on.
Can you give me one reasonable explanation why they will not let me look for a will escorted by a bank official without a court order? Put yourself in my and my brothers shoes we are at a lose on why someone would not let us if we follow these rules. It would be the morally right thing to do would you not think???? Please advice me on my next steps to gain access. The box has been drilled and contents being held. I can and will get a court order if you can not help but an explanation to why would help my mental state of mind on this. The bank is First Tennessee on XXXX XXXX TN. If you are not who I need to talk too maybe you can forward this to someone that can help us. Thanks Since this email was sent I have hired a lawyer and I will get a court order I just want an answer as to why we are being denied access. Any help we can get would be great lawyers are sometimes slow I was told to get help here by the unclaimed property department in my state. I am very upset and struggling with this greatly?
|
| 11/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2020 my account was compromised for the 2nd time and I contacted Iberiabank to close my account or stop payment on this fraud, but they continued to let the action take place. This was the 2nd time an online compromise was made to my debit card and account. The bank shut down my debit card and left my account negative. I currently had to take a lower paying job at my place of employment which was over a 10 % decrease in my pay and knowing my payroll check was direct deposited, I had to actually get aggravated and mad before Iberiabank would step in and lend me funds to get me through the work week. I had over {$1000.00} in my account at the time of the fraudulent withdrawals and had numerous automatic pays coming out of my account in which they covered, but I feel I had to get upset before they realized I needed help. The bank credited my account and then the online company credited a portion of the fraudulent charges too so, Iberiabank had to do a reversal and seemed to get upset with me. After Iberiabank seen the account got some credit from the company they proceeded to tell me that they were gon na wait 30 days for the company to credit all the money back and if they didn't then they would proceed to refund my money. I am still owed over {$300.00} if that is even correct, but yet to see the money in my account. I have a loan with Iberiabank and out of no fault of my own they proceeded to deduct late charges from my account because I had no money in my account to pay the loan at the due date from the fraud. I am beyond mad at this bank and have been a customer for about 5 years since I relocated to the area from my current employer. I feel the bank was notified by myself in time to close my account and to make this matter right. If I ever get the remainder of my money back I will be closing my account. Once I told the manager of my experience and that I was closing my account they neglected to even tell me my debit card had came into the branch and just assumed I could drive over 30 minutes to make withdrawals since I was closing my account. I know I don't make the money now as if I did before, but I am still the same customer and should be treated with the same respect. This bank is far behind on the aspect and knowledge of customer service and how to go the mile for its ' members. Worst experience and still suffering from the fraudulent mishap and not 100 % credited the money I was taken by the company. Please help others before this happens to them and share my concerns.
|
| 01/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
In XX/XX/XXXX, my Mother noticed there were deposits coming into her checking account via XXXX. These deposits were from companies that my Mother has never had any type of relationship with.
We spoke with XXXX XXXX at the XXXX XXXX. He suggested that we reach out to the three companies that made the erroneous deposits. These companies were SC XXXX XXXX, XXXX XXXX XXXX XXXX SC and XXXX XXXX. No one at these companies was willing to assist me as I could not supply an account number for them to reference.
We went back to XXXX XXXX who said all he could do was request the ACH deposits be returned. 12 of the original 15 were reversed on XX/XX/XXXX. Before the returns were processed, a fourth company began depositing by XXXX. More deposits from various companies continued to be made, totaling over {$30000.00}, through XX/XX/XXXX.
We opened a new checking account on XX/XX/XXXX. It took several months to transfer all direct deposits and automatic drafts for bills to the new account. During this time, numerous deposits continued, as mentioned above.
In XXXX, I came into the XXXX XXXX and met with XXXX XXXX, with whom we had continued to communicate. We transferred {$3900.00} which was rightfully my Mother 's, into the new account on XX/XX/XXXX, leaving over {$10000.00} in the old account.
During that visit, XXXX and I compiled a list of the deposits that should be returned in order to close the old account. After months of worry and believing the bank would do their due diligence, we moved on.
In XXXX, I received a call from XXXX XXXX. He stated that the bank had exhausted all avenues in returning the remaining funds but there was still {$8700.00} remaining in the old account. We could take a check or the bank would retain the funds. We took a check.
On Monday, XX/XX/XXXX, there were XXXX separate transactions from XXXX XXXX, totaling {$9400.00}, which were debited from my Mother 's new account via XXXX, with no authorization from either my Mother or myself. These amounts were some of the deposits that the bank should have returned in XX/XX/XXXX. We believed, in good faith, that " all attempts had been exhausted ''.
A fraud claim was filed for each of the 24 transactions on Wednesday, XX/XX/XXXX, as soon as we were notified that a check my Mother had written was going to be returned and we learned of the unauthorized debits. The old checking account has nothing to do with the new checking account and is not linked in any way.
|
| 02/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I opened a business account with XXXX XXXX, I went to deposit some checks on XX/XX/XXXX. The teller said my account was closed, I asked why, she said I had closed it. I went home to look at my statement and the account was never closed by me and it had money in the account. I then called customer service and told them of their error, XXXX said the account was closed due to several return mail fees, she said someone would contact me within 5 days, later that day XXXX called me and said the account was closed due to return mail fees, he also stated it was my responsibility to notify the bank of an address change, he was shocked when I told him my address never changed, he said he would investigate and call back on XX/XX/XXXX after he talked to the branch. XX/XX/XXXX it was getting late so I called XXXX back asking for the explanation, he said the branch had no explanation, I asked him to reopen the account and put the money back into the account, he refused and said he could do nothing about it and it was up to the branch manager. I called the branch manager XXXX at XXXX XXXX XXXX, XXXX SC XXXX. XXXX stated they do NOT have any proof of returned mail but my account was charged for the returned mail fee, then charged every month after until all money in the account was depleted, they then closed the account. XXXX also stated they do this if an account is inactive hoping this will trigger the customer to question the fee, but the customer only has two weeks to dispute the fee. I believe this bank never sent a letter to begin with, the post office would stamp the letter saying return to sender with a date back to the bank and they would have proof it was sent. XXXX then refused to reopen the account and put the money back into the account. XXXX then offered me to reopen the account after I came in to sign a new contract for the account. I then understood what they were doing. This bank merged with another company and my original contact was with the former bank which had no monthly fees to service business accounts. XXXX XXXX not only fraudulently took money from my account for returned mail fees they never sent but also purposely closed the account so I would be forced to sign a new contract which included monthly fees to service business accounts. I also requested the explanation in writing from XXXX XXXX and all parties refused. I have contacted an attorney.
|
| 02/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Home Phone : XXXX NC Unemployment Claimant # : XXXX I am a XXXX XXXX located in XXXX, NC.
Due to the COVID-19 outbreak, my XXXX was closed in XXXX, XXXX by State mandate.
I filed my first claim for unemployment on XX/XX/2020 - confirmation # XXXX.
A certification form has been filed each week since that time with all transactions and deposit dates recorded on the NC Division of Employment Security ( DES ) website.
In the meantime, my bank of choice has undergone a progressive chain of events. Due to this, my account has been shifted around with the numbers changed and evidently compromised.
I was a customer of XXXXXXXX XXXX which merged with XXXX XXXX XXXX to become XXXX XXXX. Consequently, banking laws, mergers and buyouts have now landed my account at First Horizon Bank, formerly known as XXXX XXXX XXXX
Somewhere, the ball was dropped and my payments from DES have not been deposited into my bank account. I contacted the DES and was told it is a bank problem. I visited my current bank, First Horizon, and was told it is a DES problem. Wherever the blame lies, my money has been lost in the shuffle. Neither source claims to know where my money is and I have been going back and forth between them for almost a year. No solutions ; just blame on the other party. Now DES is apparently oblivious and has had my account locked for at least a month. I can not even file my weekly certifications.
At this time, I am in desperate financial straits. I am about to lose everything I own. I am months in default on my commercial lease which if I lose, will put me in dire debt for many years to come. My phone, gas, water and electricity are one by one being disabled both at my XXXX and my home.
I have followed all the rules, been available for interviews and telephone calls, and faithfully filled out all forms for certification.
I hope you can help me. Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX to : US Office of the Comptroller of the Currency US Federal Banking Commission NC Department of Commerce NC Commissioner of Banking XXXX XXXX XXXX, Chairman and CEO of XXXX XXXX, formerly XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, President and COO of XXXX XXXX, formerly XXXX XXXX XXXX XXXX XXXX, Governor of North Carolina XXXX XXXX, President of First Horizon National Corporation
|
| 07/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I 'm writing a complaint in regards to First Tennessee Bank ( FTB ) not being able to assist me with the annuities I purchased from FTB. Since, I had not been receiving all of my statements in the mail, I went to FTB to advise them that I had not received my statements. I have only received one statement from XXXX and was requesting my other statements as well. I was told to contact XXXX XXXX, a Financial Specialist with FTB who could see whom my investments were with. XXXX called XXXX and stated that I only had XXXX annuity with XXXX and not XXXX. She stated one was with XXXX and the other was with XXXX. Also, she told me before XXXX I was originally with XXXX, then it changed hands with XXXX, and last with XXXX. Additionally, she said that XXXX dropped my XXXX annuity. I told XXXX, FTBs records show XXXX annuities and it has been reflecting that for over twenty years.
Displeased with XXXX, I contacted XXXX at First Tennessee Bank ( FTB ) and was given the brokerage phone number with FTB. I contacted the Brokerage department with FTB and spoke to XXXX XXXX. He indicated that I had XXXX annuities ( XXXX with XXXX and XXXX with XXXX ). There are XXXX IRA 's with XXXX and the account numbers. An example of these account numbers with XXXX are the following XXXX and XXXX, and third account with XXXX and account number is XXXX. I called XXXX, the Financial Specialist back to inform her what the brokerage side said. She repeated, XXXX only has XXXX annuity and had dropped the other XXXX. She told me to call XXXX. I told her I took out these IRA 's with First Tennessee Bank not XXXX. She said it has not been dropped on the bank side yet and I had to prove I have XXXX IRA 's with XXXX although the bank records show that I have XXXX. I told her again these accounts were over twenty years old and I can not find the papers. I have received only XXXX statement from XXXX. It has been several weeks and I have not received statements from the companies that First Tennessee Bank invested my money with.
I only have proof of my annuities from the print out obtained from First Tennessee Bank. I have attached these documents for your reference. Also, these annuities have been reflecting on FTB records for over twenty years. That should be proof enough. Let me know if you require any clarification. Thanks for your help.
|
| 05/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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I have a checking account with First Tennessee Bank, and a debit card was provided with the account. Sometime between XX/XX/XXXX and XX/XX/XXXX I lost the debit card, and ten unauthorized transactions were made on the account. The last transaction I conducted on the account was on XX/XX/XXXX. I discovered the debit card missing on XX/XX/XXXX, and called First Tennessee immediately to have the account closed, and to file a claim/case for the unauthorized transactions. I was told a provisional credit for {$890.00} would be applied to my account within five business days. Instead, I received a letter dated XX/XX/XXXX, which stated the information I provided was inconsistent with the transactions I reported as unauthorized. Accordingly, I called First Tennessee 's Fraud Dept. on XX/XX/XXXX to ascertain in more detail why the case had been denied. An email was sent by the person I spoke with to a senior manager to request the case be reopened, and for me to receive a call. On XX/XX/XXXX, I spoke to a senior manager who requested a police report be filed. The police report was filed with my county sheriff 's office, and the report was submitted to First Tennessee Bank. The deputy made an incident/investigation report, and not a criminal report, because all the transactions occurred in other counties. My sheriff 's office didn't have jurisdiction over the crimes ( fraud transactions ) committed. Nevertheless, I followed up with First Tennessee later in XX/XX/XXXX( don't know the exact date ) to find out what was happening with the case, and was told the case wasn't reopened because when I called the Fraud Dept. on XX/XX/XXXX I stated the debit card was still in my possession, but in fact I said the card wasn't in my possession. In addition to this problem, I was told that I had called the Fraud Dept. to have my account reopened after a transaction was declined at a XXXX XXXX. I didn't call the bank until I discovered my debit card missing on XX/XX/XXXX. Further, the same Fraud Dept. employee told me that my PIN was used for some of the unauthorized transactions, which I refuted because I'm the only person that knows the PIN. Upon speaking with a senior manager a few moments later, I was told that all the unauthorized transactions were indeed credit POS transactions.
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| 08/19/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Application, originator, mortgage broker
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Web |
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I recently applied for a Home Equity Line of Credit ( HELOC ) from First Tennessee Bank, of XXXX, Tennessee. My application was denied, due to insufficient income. The fact that I have roughly XXXX dollars of real-estate assets, in addition to owning fully my own home, valued at roughly XXXX dollars, upon which proposed HELOC would be based, apparently had no bearing upon First Tennessee Bank 's decision, in regard to said HELOC.
According to the CFPB pamphlet " What the new Ability-to-Repay rule means for Consumers, '' referring to a provision in the Dodd-Frank legislation, the rule " applies to most mortgage loans. However, it excludes certain types of loans, like home equity lines of credit.... '' As the CFPB pamphlet relates, income should have no bearing on a HELOC, which is a loan upon the value of the potential borrower 's equity in the property itself. Again, I own XXXX % of my c. {$500000.00} home. There is no mortgage.
By rejecting my application on the grounds of insufficient income, First Tennessee Bank would appear to be in clear violation of the law, as related in the above-cited CFPB publication.
First Tennessee Bank 's claim that bank regulators require them to base their approvals of HELOC 's upon prospective borrowers ' income, does not excuse First Tennessee Bank from their apparent violation of law. Nor does said claim relieve First Tennessee Bank of any penalties or awards resulting from said violation.
I am a retiree, with very limited income. Living expenses require that I supplement my insufficient retirement with personal assets. Recent expenses require that I liquidate one asset, a certain parcel of commercial real estate, in order to meet ongoing expenses. Until that happens, I need a HELOC to meet said expenses.
The refusal of First Tennessee Bank to advance such HELOC, allegedly contrary to law, places me in jeopardy of losing my fully-owned home, contrary to reason and justice. First Tennessee Bank 's action or inaction has caused me tremendous emotional stress and pain, in the months since their refusal.
I implore the CFPB to use whatever powers and influence it may have, to try to induce First Tennessee Bank to uphold the law, and not refuse my application, due to insufficient income. Thank you very much.
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| 04/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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We bank at First Horizon bank, previously Iberiabank.
We mailed a check # XXXX to our pest control company for {$110.00} The check cleared written to an unknown individual for {$8800.00} Called bank immediately, advised the issue, they looked at the check, saw 4 different handwritings, called it " check washing '' and was told the account is compromised and should open a new account immediately, which we complied and request a return of funds.
Tried to file a police report. In order to file one, we need to know where the check is presented. It's been over 45 days, bank has not provided any information or refund to this point other than ....
From the bank...
" We are only able to provide the XXXX XXXX XXXX XXXX and that was identified as XXXX XXXX XXXX.
I understand that law enforcement is asking for the location of the deposit so they can route the client to the correct jurisdiction and that is why on alteration claims we have the client file a Mail Theft Report in lieu of a police report. A Mail Theft Report can file with the United States Inspection Service at XXXX.
The client would need to tell the Agent where he mailed the check and the address of the Intended Payee it is presumed the check was stolen in transit and altered to the name on the check. '' We filed a postal complaint on XX/XX/XXXX, USPS Reference XXXX Bank response to date is nothing, no updates what so ever since first reported the first week in XXXX.
Our business is having trouble maintaining cash flow and may result in our demise. Before calling an attorney, the news or posting on social media, I am relieved to see there are protection boards like CFPB that can assist with out getting others involved. I am hopeful to obtain status and refund as soon as possible to ensure a healthy business operation. I simply can not understand why when we give an employee a check, the bank calls us to qualify the presenter. This check clearly had multiple handwritings and if anyone looked at the electronic pictures of our other checks, they would clearly see the handwriting is not inline with the handwriting on every other check in our decade of business. This is a tremendous disappointment in the safety and security processes of our banking system.
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| 05/25/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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My name is XXXX XXXX XXXX I have a complaint against First Horizon bank.
Rout # XXXX Account number XXXX On about XXXX XXXX I over drafted on my account, My account was frozen until I can cover the overdraft.
I did not have funds immediately, but I had some wrapped coins that I needed to cash out.
I
set up an appointment to see an accou nt manager to cash out coins. while waiting for the cash, I had a simple conversation with the representative about the new COV19 bank regulations.
I was asked if I had been exposed to the XXXXXXXX XXXX, and I answered honestly, I said yes. I was hospitalized XXXX weeks earlier and was tested by XXXX XXXX and XXXX XXXX and I was XXXX for the XXXX.
Representative then started to say I need to leave now and got up and held the band door open for me to leave, I told her I was XXXX and I had a hospital not with the XXXX.
I was always practicing ALL the proper social distancing and wearing a mask.
I then went home and filed a complaint with the corporate 's office.
Word was sent to the bank manager, XXXX. XXXX, who then took it upon herself to freeze my account and started closing the account.
Not just my account but any account that my name was attached to it.
This caused a major problem, because one account was one that belongs to my brother, who depends on this account to receive his S.S. direct deposit.
I was able to keep the account open after going above her head to keep that open.
I made deposits on XXXX XXXX and was told funds will be available on XX/XX/XXXX.
when I tried to access my account on XX/XX/XXXX, I was told that the checks have not cleared yet. I checked with my friends who had paid me and was told the checks have cleared their banks by XX/XX/XXXX.
The bank manager was still holding on to my money for no other reason but to be spiteful.
She then closed my account as of XX/XX/2020. As of Friday XX/XX/XXXX, I still have yet to receive my final check or my bank statement that I was charged {$2.00} for.
And as of XX/XX/XXXX, I had a balance of {$480.00}.
her closing my account has caused some of my automatic payment declined.
I have worked to build up my credit score and she has jeopardized all my hard worked on.
She was and is a bad person.
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| 09/09/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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I applied for a checking account with First Horizon Bank on XX/XX/2020 and was immediately denied for their free checking. They use a system known as XXXX to measure worthiness of banking with this institution and provide a score and report based off of several factors. The reasons listed from First Horizon that I was denied the ability to open a checking account were 1. TIME AT CURRENT ADDRESS 2. TIME SINCE NON-DDA INQUIRY ACTIVITY 3. ASSET OWNERSHIP HISTORY 4. NON-DDA INQUIRY OR RETAIL ITEM HISTORY. I immediately ordered a report from XXXX to discover that there are few incorrect pieces of information on the report, but otherwise nothing negative. I was given a " wealth index '' score and scored low due to the fact that I own no property, I have no other derogatory marks. I called the local branch and asked them to explain to me why I was declined. The person I spoke with asked to see the reports and after looking couldn't really say much of what was wrong other than the line that says " non-derogatory marks '' which for me is listed as " 4 ''. I asked if non- meant something I am unaware of because non- to me means " not '' derogatory so I still did not understand why they were declining me for a simple free checking account. She ended up being over the conversation and said that she was sorry, due to their regulations there was nothing she could do to open a bank account for me. She stated directly to me that they do not serve customers who " have mismanaged their finances '' and who have " poor credit. '' I am not a person of color, but I am young and I have little wealth. Thus, this institution has determined I can not bank with them and they will not look at my personal situation and road to recovery to do so. I would bet a ton of money on the FACT that the majority of the people they decline would lie within certain regions, be of certain wealth levels, and include a majority of people of color. XXXX goes further than a soft credit check and contains inaccurate information that is nearly impossible to dispute, the branch was unempathetic to this and as I mentioned, went as far to insult my past claiming it as irresponsible, and further denying me a chance to bank locally.
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| 08/27/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I was contacted a couple of months ago by XXXX XXXX at First Tennessee Bank telling me that the bank needed to change the name on my business account to reflect more accurately the type of business I was now in. I told her that my company name was XXXX XXXX XXXX and that was what was registered with the Secretary of State of Tennessee. It also was what I had registered with the Internal Revenue Service, it is what is printed on my checks, and it is the name that my continuous bond is registered with U.S. Customs. I told her the bank could not change the name of my account from it's legal DBA name. I then received an unsigned letter last week from First Tennessee Bank saying that I had agreed that First Tennessee would have the authority to terminate my account. I certainly never agreed to allow the bank to close my account without cause. I believe my account was opened in XX/XX/1994 so I can not recite the exact terms I agreed to and they furnished nothing in the way of documentation, what terms I agreed to when I opened my account. I realize that banks find small business probably more of a nuisance and so are not big on providing them customer service but I have always maintained my account in good order. Being a XXXX XXXX XXXXt and also have my XXXX degree in XXXX I do know that a bank can not force companies to change their name on their account to something like " Guy who sells stuff on the internet '' when his legal DBA name for the corporation is XXXX XXXX XXXX. Either this is an attempt to harass small business into closing their accounts or the bank is actually going to change customer bank account names from the name under which they do business. Either would certainly exceed the authority a bank has over my money. This has caused me tremendous damage both in time and angst in having to relocate my account and also being told that I can not talk to someone in compliance because they don't talk to customers. I am therefore wishing to file a formal complaint against First Tennessee Bank. I will be happy to furnish whatever documentation you require.
I have also filed this complaint with the Office of the Comptroller of the Currency and will be filing with the XXXX XXXX XXXX
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| 02/09/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On todays date, XX/XX/XXXX, our Visa debit card through First Horizon Bank, XXXX XXXX XXXX, XXXX, TN, with a branch on XXXX XXXX in XXXX, was declined XXXX times while being used at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NC, and then again XXXX more times at the nearby XXXX on XXXX XXXX. This, despite the fact that there was plenty of money in the account.
After the XXXX XXXX denial, we immediately called the branch in XXXX, which then transferred us to the XXXX number for First Horizon, and a person named XXXX in their fraud department first said the account had been flagged because of several purchases on XXXX earlier XXXX morning but then later said the problem lay in XXXX Teeters XXXX XXXX. He suggested we run the debit card again at the pharmacy, which we did, this time successfully. We told XXXX that we were using the card again in about an hour at XXXX and he said there will be no problem.
Guess what? The same thing happened at XXXX, once again even though there were plenty of funds in the account. This time, though, the bank called XXXX immediately with a robo announcement to make sure we had made the latest purchases with our card. When I hit the prompts indicating the charges were correct, only then was the card accepted.
We were so humiliated and embarrassed by these eventsat stores where we shop all the timethat we called First Horizon corporate when we got home, and spoke to XXXX and then her supervisor XXXX, the latter of whom was condescending and borderline XXXX. XXXX agreed to send us a new debit card through the mail, and indicated the problem was simply a chip malfunction on our existing card. But that would not explain the robo calls which stated it was a security/fraud problem.
We appreciate First Horizons attempt at stricter security. However, we do not appreciate being shamed and embarrassed by a bank that has had a history in the XXXX years we have been customers of sloppy procedures and extremely poor customer service. Is this anyway to run a financial institution that has changed ownership several times recently and seems to be run on an extremely shaky foundation?
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| 10/05/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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This complaint is a follow up on OMB # XXXX. I now notice a letter that was sent by First Horizon to XXXX XXXX XXXX ... which is not valid and has been part of my issue with identity theft. I do mot have a po box nor access to any. The borrower and the guarantor are two different names but bank states they are same person. I requested a copy of report the bank used to pull my credit and they would not provide. I contacted XXXX to obtain information on alias used. XXXX has no record of false name on any of their reports provided.
The bank had a copy of my drivers lis envelope but names dont match. The bank had no identification on record on primary borrower who wrote a {$240000.00} to himself very shortly after the {$250000.00} HELOC originated. Importantly, the collateral used to secure the loan was an empty lot. I never received information because primary borrower changed address information.
The bank letter indicated a XXXX branch which is also incorrect. There is no XXXX branch in Louisiana to the best of my knowledge. I am most concerned about the false information on the application. Had the bank done due diligence and noted the obvious red flags associated with address changes and large transaction this could have been avoided. I am presently in a drawn out legal dispute resulting from both their actions and inaction. A prenuptial agreement was on file with the court which clearly stated a separate property regime. The HELOC presents as if three parties were involved. Only one state issued identification is noted. When I met with one witness stated on the loan documents, she initially stated that she did not recognize me and did not believe we had ever met before. That individual shortly after changed her mind. However she no longer works for the bank. Lastly, a {$240000.00} counter check transferred the money out of a joint checking account within days of the loan approval. I am now faced with a court order to sell the home at a price that I am forced to accept. The actions of the bank have cost me at least {$170000.00} in stolen equity as well as over {$40000.00} in litigation fees.
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| 02/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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I used a promo code when opening this account and should have received a {$150.00} bonus. I was informed by this bank today via telephone I would not receive the bonus. I had no choice to contact the bank by phone because they were ignoring my secure messages in the online portal. Please review the following correspondence with this bank in which I was told I would receive the bonus by the end of XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX EST Good morning, it is now the end of XXXX. Please tell me when I will receive my new account bonus. Thank you.
XXXX XX/XX/XXXX XXXX XXXX EST Ok, thank you!
Customer Service XX/XX/XXXX XXXX XXXX EST XXXX XXXX, We show that you opened your account on XX/XX/XXXX. The promotion on your account will take effect after 3 months if there has been no overdrafts on the account. You are currently on track to receive these benefits at the end of XXXX.
Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX.
Thank you for your message and we hope you have a great day, XXXX XXXX.
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST {$150.00} for new accounts after a direct deposit, thank you Customer Service XX/XX/XXXX XXXX XXXX EST XXXX XXXX, We would love to inform you about when your bonus will be implemented in your account. However, I will need to know what the promotion was to be able to credit the account. If you will please respond with the promotion we will be able to properly credit your account.
Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX.
Thank you for your message and we hope you have a great day, XXXX XXXX.
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST Hello, Please send tell me when I will receive my account bonus.
Thank you
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| 01/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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This complaint is against First Horizon Bank. The branch is located at XXXX XXXX XXXX XXXX, GA XXXX. The branch XXXX is XXXX XXXX.
My husband and I opened our business account years ago with Iberia Bank which XXXX XXXX has recently acquired. Our accounts have always been in great standing.
On XX/XX/XXXX, I made a purchase at XXXX 's for {$140.00} and received a {$35.00} NSF for the overdraft. My XXXX XXXX debit card was linked to my XXXX 's account. I made the purchase out of the wrong account. I didn't realize it until about a week later and I also saw that our account was placed on hold. XXXX XXXX the branch manager also called me regarding the overdraft. I transferred the money immediately ( same day ) to cover the overdraft. During our conversation, she advised that we should close our account. She states, " We are hard to get in touch with, we should close our account, we barely use the account and it doesn't make sense to keep '' however every time she contacts me, I call her back. I have her number programmed into my phone. We have made mistakes and have corrected our overdrafts immediately.
I explained that we live very far from the nearest branch and have planned to close our account. Since we've had the account for so long we want to ensure all the vendors we conduct business with have been changed over to our other bank. I have advised XXXX XXXX that we are not ready to close our account. Over the last 90 days, we have received over {$15000.00} in deposits into the account. I have attached our bank statements for review. This is an active acct.
Yesterday, XX/XX/XXXX, XXXX XXXX placed our account on hold again for the second time. The Our account is not overdrawn this is a tactic she is using to force us to close our account. I have complained to the Customer service center and have advised XXXX to give us additional time. A complaint has been filed with Consumer Financial Protection Bureau as well. As a consumer, I have a right to be treated fair. I also would like to add we have NOT had any suspicious or fraudulent activity on our account.
|
| 08/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
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I canceled my credit card with First Horizon bank in XXXX in 2020 after the merger of Iberiabank and First Horizon Bank. I went to the branch in XXXX in XX/XX/2020 to check on the status. They said they had issued a credit card and I told them I did not receive it. So they should cancel the card. As I was checking my score on XXXX and XXXX I noticed that a XXXX XXXX credit card on the report. I contacted XXXX and XXXX to ask them to remove the card. I was told to contact the bank.
I contacted First Horizon and was told that a new card was sent to XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I checked with XXXX XXXX who owns the house and his sister who lives there and they say the card was not received.
I contacted the bank to ask them to investigate to find and cancel the card. They said my name was on the account as a XXXX of Attorney and that only the account holder can do this. I contacted XXXX XXXX with whom I am not in contact with.
I wrote a letter to the bank to instruct them to withdraw my name on the account and to cancel any credit cards in my name. They have given me the run around. I contacted XXXX who says their records show a card and that I have to get the bank to cancel the card.
Despite my requests to XXXX XXXX and XXXX XXXX, there remains a credit card showing up on my report.
During the period of Iberiabank I had used the card to pay house bills for XXXX XXXX. My concern is that there is a card in my name being used. Despite my requests from the bank and XXXX XXXX, no one has acted.
I would like to find out if there is a card in my name and if yes, is it being used fraudulently? Secondly, I want my name taken off that account as I do not want to be involved in any finances with XXXX XXXX given that I am concerned about anti money laundering risks. Given that he has a girlfriend which I do not trust,, who knows if she is using that card to pay his bills?
What can be done to have the credit card and my name removed from the First Horizon Bank account? What can be done to remove my risks associated with XXXX XXXX and his entourage?
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| 10/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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For the past 14 months I have repeatedly tried to get Respondent to reimburse the {$300.00} loan taken out of my account in XX/XX/XXXX because of their system malfunctioning. I have on record a recorded phone call between XXXX XXXX and a rep from Respondent discussing this issue and the promise given by Respondent 's rep to reimburse me and to this day has not. Since XX/XX/XXXX, I have tried to get Respondent to reimburse the money they were regularly taking out of my account without my authorization or record of the transaction and they have repeatedly refused. I have written several complaints to the CFPB, the FDIC, and this office between XX/XX/XXXX and present and have not received an explanation or compensation-in fact the illegal action of removing money from my account without my permission, knowledge, or record of the transaction have continued until the unknown date of the closing of my account. On XX/XX/XXXX a rep from Respondent opened a fraud investigation and promised an answer within 60 days. I never received an answer until on XX/XX/XXXX, I spoke to a rep of Respondents about a check I received from an insurance claim they took from me and they claimed that the fraud investigation had concluded in XXXX and I had a negative balance which is not true. Ever since I have requested on multiple times for an investigation to be done on why money was continuously being withdrawn from my account without my permission, knowledge, or record of transaction and the Respondents refused. I have on record in an XXXX spreadsheet the balance Respondents claim I had from the date of opening on XX/XX/XXXX, till present and my true balance and there is an approximately {$900.00} difference. I have tried reasoning with them and they either ignore me, make excuses, or hang up on me. They also refuse to give me the name of their process service agent nor allow me to speak with their legal team to try and resolve this outside of court. Since my account is locked and closed I can not access it to update the XXXX spreadsheet I will attach to this complaint.
|
| 08/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Servicemember |
|
This complaint is concerning collection calls by First Horizon/First Tennessee Bank regarding a HELOC ( Home Equity Line of Credit ). We thought this was a mortgage loan ; however, we are being told that it is treated as a credit card debt.
In a previous CFPB complaint dated XXXX/XXXX/XXXX, we explained that we have only Social Security as income as a result of layoffs. We applied for this HELOC, in good faith, XXXX XXXX, XXXX. We 'Paid as agreed ' until XXXX, XXXX, after we had been unsuccessful in finding new employment after layoff ; we notified First Horizon/First Tennessee that we would attempt to sell the property.
We received an email from their Consumer Loan Servicing Department, with text highlighted in bright yellow, saying, " The offer must net a minimum of 40 % -60 % of our mortgages current principal balance to be considered. '' Our Realtor said that the real estate market could not meet that requirement.
Our credit report indicates that this HELOC was 'charged off ' by First Horizon XXXX yet, they continue to call. I notified them in writing that we are seniors with only Social Security as income. It was explained that we could not afford to pay off this loan, so why keep calling? Their written response says that they have the right to continue calling in an effort to collect.
I have a log of their phone calls from XXXX XXXX, XXXX to XXXX XXXX, XXXX which include calls on weekends and a call on XXXX XXXX, XXXX. As their letter stated, they are within their rights to attempt to collect. Nevertheless, our income has not changed and we are seniors. When we lost employment, several loans were placed in default ; however, First Horizon is the only one still calling. Is it not enough that these loans appear as defaults on our credit report? There is no justification for these calls, and it begs the question as to whether all of the Social Security seniors who are in default receive collection calls, or is it only select ones? The loan has been charged off, we have no earned income, and we request that the calls stop.
|
| 10/12/2015 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Servicemember |
|
On CFPB Complaint # XXXX, dated XXXX, XXXX, we repeated a request for First Tennessee Bank to stop collection calls. The first request came in a CFPB complaint dated XXXX/XXXX/XXXX though not as explicit. First Tennessee Bank responded XXXX XXXX, XXXX, saying that " ... have stopped calls going forward. '' The calls have continued.
I 'll apologize ahead of time for the length of this complaint. Their diligence in harassing us caused me to reread our agreement for this XXXX mortgage loan. This was never a credit card loan ; it was a XXXX mortgage loan secured by the equity in our home. The loan was written in XXXX, we paid monthly payments faithfully for six years until we lost employment and all severance pay was gone ; additionally, by that time, property values had fallen and the house could not be sold for enough to cover the XXXX and this XXXX mortgage. The loan became " unsecured ''. The loan documents speak of maintaining the property, loss of employment and the bank 's ability to forgive this loan. We can not understand why they have chosen us to be unworthy of forgiveness. When we contacted them in writing, XXXX, XXXX, our credit score was XXXX. We explained our inability to make additional payments because of loss of employment. Not once did they respond to us saying that an appraiser would be assigned to determine the home 's value as stated in their agreement. In fact, we heard nothing from them except to say that a 40 - 60 % repayment was their minimum if the house was sold. Our Realtor said that could not be done given the market. We have used money from our pockets and money from this loan to continue to upgrade this property ( pictures are attached ). When we purchased the home, it had a shack roof. California outlawed because of fire hazards, so we replaced the roof with a 15-year comp roof. Not shown is the banister that we added to the stairs leading to the bedrooms. Not shown is the new wood stove. We have also attached portions of the signed agreement with First Horizon that substantiate our statements.
|
| 09/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
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In XX/XX/XXXX, I paid off my auto loan. I can not see the XX/XX/XXXX transaction online. The banks online system indicates I can see XX/XX/XXXX, transactions but will not display the transactions. We are in XXXX and can't check to see if our title was returned to us. XXXX XXXX was purchased by FirsXXXX Tennessee Bank subsequent to me paying off the loan in full. In XX/XX/XXXX, the online banking systems were merged. The transition was done very poorly, and the system still doesn't work properly. On XX/XX/XXXX, we moved from XXXX XXXX XXXX, XXXX to XXXX XXXX, XXXX. I transferred the balance in my checking account to my new account and left the account open in case a direct deposit was made incorrectly. On XX/XX/XXXX, {$.00} for interest was deposited to our account. On XX/XX/XXXX, a direct deposit for {$53.00} was made to the account. On XX/XX/XXXX, our account was charged {$280.00} for a loan payment and {$37.00} for an overdraft charge. The charges were posted to our account without written or verbal notice that anything was due or that the bank intended to charge our account. This was done 10 months after the auto loan was paid off in full. On XX/XX/XXXX, {$25.00} was charged to our account. On XX/XX/XXXX, another {$25.00} was charge to our account. We were not notified our account was in an overdraft position, either written or verbally. On XX/XX/XXXX, I discovered the bank charges and contacted the bank to see what the {$28000.00} charge was for. They stated it was for interest on the auto loan I had paid off 12 months earlier. The bank did not provide any evidence or documentation. They removed the {$37.00} charge and the 2 {$25.00} charges but refused to remove the {$280.00} interest charge. There is no way the interest charge is correct. The bank can not charge interest on a loan that was paid off 10 months earlier and certainly not after the bank was purchased and merged into another bank. The merged bank has proven repeatedly that it is less than competent. This bank should be strongly censured.
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| 06/15/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I opened an account with First TN Bank on XX/XX/2018 but after two months we attempted to contact the bank about why we hadn't received our statements. It turned out someone else 's address was listed as ours- someplace we had never even lived and our statements had been sent to them. We requested our statements and an investigation- we received neither. At that time it was XX/XX/XXXX and we were still living at XXXX XXXX XXXX XXXX in XXXX TN XXXX. We moved on XX/XX/XXXX to our current address and updated our address with the bank via a branch location in XXXX TN and with the post office. Almost immediately we began receiving advertisements, addressed to us, at our new address from the bank but still no statements. After several calls with the bank in early XXXX, including having to deal with XXXX using only incomplete online info as they STILL had not sent a statement I requested our statements. We receive large payments every couple of months and were concerned when there were regular unauthorized payments and account discrepancies. We received a XXXX statement and were assured the rest were on their way. I did not receive another statement until XXXX and now they come mostly regularly as we still have not received one for XXXX. We pay for our statements but due to our regular direct deposits the fee is waived but the bank seems to have decided to withhold our statements as they have demanded we now pay for paper statements, we are supposed to be receiving monthly as part of our XXXX account fee that is waived - along with our statement fee as we meet the direct deposit requirements. We are concerned a bank employee is making unauthorized access to our accounts and know the online info is not accurate as transactions are the wrong amounts- we verified with vendors wat they DID receive and some things are just missing. The bank is making every attempt to impede us even getting our monthly statements and I had already paid extra to get them once and never received them so I do not wish to again.
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| 02/02/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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Due to lengthy divorce proceedings and extended unemployment a foreclosure occurred on the marital residence. Specifically, the foreclosure occurred because my ex-spouse refused to sign a deed-in-lieu, or cooperate in the short-sale process. The property was sold at or near the loan amount. Any short fall was guaranteed by VA and the lender suffered no loss. The date of the foreclosure was XXXX/XXXX/2015.
However, I understand the reporting of this item and I 'm providing this for background information to the following : There was a second mortgage in the form of a home equity line of credit. The mortgage holder was First Tennessee Bank. The maximum amount of this loan was {$25000.00}.
The amount at time of foreclosure was {$8800.00}. Thirty days after the foreclosure, XXXX 2015 the entire of {$8800.00} was charged-off by First Tennessee and states on my credit report " charge off due to loss ''. At the time of the charge off, and at least sixty days prior to, this account was current with no delinquency and in good standing. As the payments were on auto pay I was n't informed of the charge off until I called First Tennessee in XXXX 2015 asking why I was no longer receiving statements. At that time I was asked to participate in a repayment plan which I have followed as agreed since XXXX 2015.
Recently I attempted to obtain housing by leasing an apartment. The application was denied based on the level of charge offs. There are several points where I have been affected negatively by false information or actions of First Tennessee : 1. There was no financial loss by First Tennessee and the charge off was discretionary by First Tennessee based on the loss of collateral.
2. First Tennessee never attempted to convert this loan to another instrument or provide any options before taking adverse action against me.
3. First Tennessee continues to report this account to credit reporting agencies as a charge off each and every month and refused to explain the correct nature of their initial actions.
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| 09/25/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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This is regarding XXXX XXXX - who merged with First Horizon Bank. On XX/XX/2020, I submitted a 3rd party check for deposit. This was written from my deceased father 's trust account, endorsed by the trustee, my mother. The bank initially credited the account, showing through my online access that the funds had cleared the bank. Therefore, I made substantial and multiple payments based on this information.
On Monday, XX/XX/2020, I was notified that payments were not processed and that my account was restricted. I spoke with the bank manager who questioned me on why I deposited this check into my personal checking account. I explained that this is from a family trust and that my brothers had no issues depositing the checks of the same nature into their accounts. The branch manager stated that the check needed to be deposited into another trust account. I disputed that and asked for the check to be returned to me.
The branch manager then stated the check was in processing and would be returned to the institution it was drawn from. He stated that the restriction on my account would be lifted at that time. I asked that the restriction be lifted immediately as I have done nothing wrong or illegal. He stated that won't happen.
I deposited a cashiers check into the account on XX/XX/2020 to assure funds are available to cover the payments made. The cashier 's check is being held until XX/XX/2020 and the manager refused to release any portion of this deposit. On XX/XX/2020, he still could not tell me when the restriction will be lifted from the account.
Therefore, I am unable to provide for basic necessities, such as food, gasoline, and to pay bills that are now due.
At this point, the bank has stolen my money and is holding this hostage for no reason. I need the restriction lifted immediately and to have the cashiers check fully cleared into and credited to my account. This is a reasonable request as the account has never been delinquent and I have held the account for more than 5 years.
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| 10/05/2016 |
Yes |
- Prepaid card
- General purpose card
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- Managing, opening, or closing account
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Web |
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Around XXXX, I moved into a new apartment. After changing my address, my First Tennessee Bank XXXX Card ( Prepaid debit ) was locked for security reasons. I called in shortly after to unlock my account, and it had to be escalated to a security team. I never heard back from them about this, but my account remained locked.
In late XXXX, I called back in to try and get this issue settled XXXX and for all. They, once again, escalated my account to the same security team. I was told to call back after 5 business days to see what updates had been made on my account. A week or so later, I called back in and the customer service rep told me to wait a couple more days to see if an update goes through.
A few days later, I called again, and the rep then said she would escalate my account again because there had been no such update. Five business days later, I call in and the rep says that she does n't see the second escalation, but then does re-escalate my issue.
I 'm honestly unsure which rep told me this, but I was informed that the issue was that they could not verify my previous address ( but this was n't an issue until I changed my address to my new apartment ). This rep asked for my old address and said that she sent it in with the escalation.
Five more business days later, I call in again, and the rep is flabbergasted and says that my account has been escalated twice and there is still no update. She said she would notify her superior regarding the issue and to call back today ( XXXX XXXX, 3 business days later ) to see if there is any update. Of course, the rep told me that the escalations can take up to 3-5 days and to call back after a little more time.
This is unacceptable. I have been unable to access my funds ( & gt ; {$500.00} ) for months now because my account is locked and nothing the reps seem to do makes any progress towards unlocking it. To make matters worse, there 's a XXXX $ monthly fee that might be being charged to me even though I ca n't access my account.
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| 05/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc was foreclosed in XX/XX/XXXX the second mortgage is/was held buy First Tennessee bank. they have been showing that i am " late '' on my credit report for two and a half YEARS!! I recently pulled my credit report to find this info..I assumed it was foreclosed back when the main mortgage closed. I called First Tennessee and was directed to the foreclose department and was told by XXXX on XX/XX/XXXX that they are reporting it properly and in so many words, told me that i ether set up a payment plan or they will do nothing!!! I lost this house in a divorce and the ex wife put it into foreclose and I could not stop it because she would not sign some paper work at the time ( XX/XX/XXXX ) I am simply asking for some help/guidance to get them to close the loan and move forward in the process so my credit does not show a " late '' payment this is what I sent to them from the form that XXXX stated I could fill out : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The house on XXXX XXXX XXXX XXXX was foreclosed on XX/XX/XXXX. you have been showing this loan as being late on my credit report.. I need please review the loan and move forward to close this out.. I think that nearly three years as " late '' is very unprofessional..I spoke with XXXX in the foreclosure departmentXX/XX/XXXX and you now have all of my contact info. I am filing a report with the Consumer Financial Protection Bureau. I expect this to be resolved promptly. Thank You XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The loan # XXXX First Tennessee Bank XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Foreclose Department XXXX XXXX XXXX My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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This complaint is filed against : First Horizon Home Loans, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and their representativesThere are clear violations of TILA, FDCPA, RESPA, Consumer Fraud, Mortgage Fraud, Mortgage Servicing Fraud, unfair, deceptive, abusive and bad faith acts and practices. I could only select one option below, even though there are multiple deficiencies, violations, predatory lending, fraud and lack of standing. In XXXX 2007, we refinanced our home at XXXX XXXX XXXX - XXXX NJ XXXX with First Horizon Home Loans. We were told of a lower interest rate that changed at the time of closing. We had a VA loan at 5.75 % the bank took advantage knowing we were refinancing trying to eliminate debt. We were strung along for years being promised a loan modification and forced to resubmit multiple loan mod applications. We were deceived to believe we would get a loan mod and were never put on a trial period even though we appointed and were working with a HUD certified counseling agency the bank refused to communicate with them. While they were proceeding with the foreclosure behind our backs. We also discovered the process server fraudulently claimed he had served my wife XXXX XXXX " a XXXX woman '' when in fact my wife is XXXX and was never served. There was confusion and they did not give clear answer to who had the Note, whom was the servicer, whom was the lender, whom was the bank. They used fear tactics, gave unclear answers and tormented us telling us we would be thrown out of the house by the Sheriff on several occasions. I finally realized their Fraud and Bad Faith, I filed consumer complaints against them with several Federal & State agencies they retaliated by denying the loan modification and expedited the sale of my property at sheriff sale within 3 months. During the XXXX months they issued multiple " stay of sheriff sale '' and failed to give us proper notice with an intent to confuse, torment and cause us to use our XXXX " 2 weeks stay of sheriff sale.
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| 02/25/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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I completed a business checking application on XX/XX/2021. I contacted the direct banking line on XX/XX/XXXX as I still had not received an update on my application. When I finally got in contact with XXXX XXXX he had me fill out another application and send in documents and ID for all members of the XXXX. XX/XX/XXXX he finally sent over the account agreement but with errors. The errors were so minor he could have literally sent me back the updated agreement ASAP, but I had not heard back from until XX/XX/XXXX which still no changes had been made per our conversation. XX/XX/XXXX to XX/XX/XXXX I had tried to call XXXX and left voicemails 3-4 times and messaged him via IBERIABANK portal several times. When someone finally connected me to him on XX/XX/XXXX, I told him who I was when he picked up the phone and he there was just silence. No apology or anything regarding the delays. My husband also reached out and he rushed off the phone, said he had a meeting and never called back. Which I assume prompted XXXX to reach out to me via the portal on XXXX. It seems everything took a turn once I sent him our personal information that included our age, ethnicity, etc. We have had a credit line and been inside Iberiabanks several times with no issues and that was to actually borrow funds from the company. Now we are at a different phase of XXXX XXXX and need our checking account setup ASAP for our XXXX XXXX XXXX and this has been a total nightmare to deal with. I am not sure whats causing the delay but its causing unnecessary stress and delays with other details of XXXX XXXX The latest email I received says that the account agreement and supporting docs are due within 10 days or account will be restricted. Well, that timeline has passed and there seems to be no concern to our needs as current and continuing customers of this establishment. I have been getting documents back to him same day within the hour each time, but the service we have received has been extremely subpar.
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| 04/29/2015 |
Yes |
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Web |
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I recently opened a First Tennessee Visa account with the intention of transferring a balance from a MasterCard account I had with XXXX XXXX. I spoke to a representative at First Tennessee over the phone in XX/XX/XXXX to initiate the balance transfer, and was told that it could take 7 - 10 days to process. After not hearing anything for 2 weeks, I called back and was told that the balance transfer had been approved and that everything was fine. I kept checking my First Tennessee account online, and noticed that my Visa 's balance was still XXXX. After another 2 weeks, I called back again and was told that someone from their customer solutions department would reach out to me. A gentleman called me on XXXX/XXXX/2015 and told me that a check was cut to XXXX XXXX on XXXX/XXXX/2015, but that it was only good for 30 days so we would probably have to submit another balance transfer request. I did as I was told and requested another balance transfer via the First Tennessee website on XXXX/XXXX/2015.
Finally, on XXXX/XXXX/2015 {$6300.00} posted to my First Tennessee account as a balance transfer. I received a statement from XXXX XXXX showing that I had a XXXX balance. I logged into my First Tennessee account yesterday ( XXXX/XXXX/2015 ) to find that the balance transfer had apparently been processed XXXX and my balance was XXXX what it should be!!! I immediately contacted First Tennessee and was again told that someone from their customer solutions department would reach out to me. I just received a call XXXX XXXX at First Tennessee and she advised me to contact XXXX XXXX and ask them to refund the overpayment. This is absolutely unacceptable and a complete waste of my time. If First Tennessee advised me to submit another balance transfer, then they should have put a stop payment on the XXXX check they cut to XXXX XXXX. First Tennessee needs to refund my credit card, and deal with XXXX XXXX on their own time.
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| 04/08/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Credit decision / Underwriting
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Web |
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I applied for a Home Equity Loan through First Tennessee Bank ( XXXX, TN call center assisted ). I asked what is the Maximum amount I can be approved for ; They sent me the proper disclosures based on the estimated value of the house and told me after the appraisal comes back we could adjust loan amount. The appraisal of my home came in higher than we initially thought. XXXX XXXX assisted me through this process and as loan came through underwriting she called me back and said " XXXX XXXX, I know you asked previously what is the maximum loan you can receive. I wanted to call you today to let you know the underwriter is willing to give you a loan up to {$450000.00}. '' I said, " wow, I 'm flattered. Let me think about it and I 'll call you back next week. '' When I called back the next week to accept their offer ( I told them I would take a loan of {$410000.00} ) I learned that XXXX no longer worked at the bank. They passed me off to XXXX and at that time XXXX said my rate would go up .XXXX % if I took a loan of XXXX. I explained XXXX had verbally offered me up to $ XXXX last week and did n't disclose the terms of the loan would change. The bank would n't honor this after I spoke to XXXX XXXX and XXXX XXXX. They agreed to lower my origination fee from XXXX % to .XXXX % because they knew they made a mistake ; XXXX said, " It was XXXX last day at the bank, and she was n't on her " a '' game. '' I appreciate that everyone makes mistakes, however this was an offer from the bank, which I called back and accepted under the current terms ( 3.4 % APY for 15 years ) The bank will not honor the verbal agreement. I consulted an attorney and he said the bank extended me an offer, which I called back and accepted a week later that was n't honored ; He feels the bank is liable ; For your information- The call has been recored and is on file at the bank. He suggested I file a regulatory complaint.
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| 06/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan which initially was with Iberia Bank was taken over by First Horizon.
It is a XXXX year adjustable rate which XXXX years was up as of XX/XX/XXXX. First Horizon does not do any refis Since XXXX I would call first XXXX to ask if my rate was going to change and if so what would it be. Each month they told me to call back the following month as they did not have any answers whether or not my rates would be changing.
I decided that I needed to start the refinancing process.. However if the rates were going to stay the same I was going to continue with First Horizon. Therefore, On XX/XX/XXXX I called them once again and I was told your rates are definitely not changing next year. I asked them if they were sure because I was going to refinance otherwise and the agent told me no Your rates will not be changing for the next year. I said that is great news I will stop the refinance process.
XXXX weeks later in early XXXX I received a message XXXX XX/XX/2022 that my adjustable rate was going up 1 %. They record all of their phone calls and on subsequent calls they have admitted that they said this and that it was a mistake.
First Horizon intentionally deceived me in order to keep me as their client. If they had simply said we still dont know I wouldve continued with my refinance process. With the changing of the times it is now too late for me to refinance at a significantly better rate.
By deceiving me they have cost me thousands and thousands of dollars. I asked them to simply make restitution by either keeping the rate as is as they said or compensating me for the difference.
They have simply said " we are sorry, there is nothing we can do. We apologize for letting you down. '' It is unfair an unacceptable to be deceived and treated this way.
I have also asked to have my escrow reevaluated and it was been XXXX weeks since I have heard back from them
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| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My HELOC acct with First Horizon Bank, previously XXXX XXXX XXXX was charged-off in error in XXXX 2019. I made regular monthly payments to my acct. at the agreed upon monthly amount. XXXX never furnished me with a pymt coupon book or periodic mthly statements. Also, XXXX never sent a notice of them going to do the charge-off, therefore, I was never given an opportunity to investigate and resolve this matter before the charge-off took place. I was treated unfairly and not only has this caused my credit score to drop but I can not get approved for a new mortgage loan to finish paying off XXXX, now FHB. I still am making my regular monthly pymts while adding to my check a statement explaining that I have not received a periodic loan statement to date. I am very stressed out and frustrated that XXXX will not look into the disputed matter more and help resolve it. I have sent proof of all my payments to them, as well as once receiving a letter back from them stating that 2 of my monthly payments were never applied to my loan. They claim one of them was my fault, where my wife accidently wrote the number on top to the check wrong and the other one, FHB claims they do not know where it went. Not getting any pymt coupons or at least a monthly statement was part of the problem with writing the wrong number on the check ( by memory ). Still the bank is supposed to make sure the name of the account holder matches up and I still have not received any credit or compensation for those payments. FHB continues to report a CO monthly to the credit agencies. The errors in not crediting my acct. those payments, I believe, caused a domino affect to where my acct. stayed over due even though I was making my payments every month, it appeared I wasn't in error. I feel the bank is in violation of the FCRA and this matter needs to be investigated and resolved as soon as possible.
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| 05/23/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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During the pandemic we were forced to shut down our small family owned business which resulted in us taking a forbearance on our mortgage on our house. Prior to that we were in good standing on our loan and always paid on time. After the forbearance period we were told we qualified for a modification of our loan which we began in XX/XX/2021. We have uploaded requested documents XXXX times to their portal plus had documents sent from our accountant 's office and physically sent the documents in XXXX times.
Now in mitigation meetings we had additional requirements of XXXX more document requests, all of which were duplicates to try to satisfy the underwriter. Along with this we have made more than XXXX calls that we placed to First Horizon asking the status of our modification only to be told it was " in process. '' First Horizon has been unorganized, unhelpful, difficult to work with staff who answered phones didn't know what the hold up was, and were constantly asking for the same information, saying information wasn't available when it was clearly there on their portal, and have drug this out for the past XXXX months. During this time, we have accrued over XXXX dollars owed to First Horizon for past due mortgage payments including interest, property taxes, and insurance.
XXXX ) They told us we qualified in writing that we qualified for a modification which is why we filled out the packet. XXXX ) If we didn't qualify why weren't we told back in XX/XX/2021. XXXX ) We kept getting asked for more documentation which led us to believe that we qualified and it was just a matter of needing more paperwork. Now we feel like they are trying to force us out of our home and because of them delaying us, we now can't get refinanced and the interest rates have gone up considerably since we started this process.
Kind Regards, XXXX and XXXX XXXX
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| 09/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I would like to formally dispute a negative credit mark that has been placed on my credit report by the institution, First Horizon, in connection with my mortgage. Also, acknowledge harassment and poor treatment.
The issue at hand revolves around a severe lack of communication and transparency on their part regarding the maturity of my mortgage. I was shocked to discover that my mortgage had matured weeks before I received any notification from the bank. This complete lack of timely information has resulted in an unjustified credit mark on my otherwise flawless record.
The bank failed to notify me in a timely manner about the maturity of my mortgage saying, It slipped through the cracks. I was only informed of this critical information weeks after the fact, which left me with very limited options and time to manage my financial situation and secure a refinance. This has been done, and the institution has contacted First Horizon saying a check will be sent to them immediately after closing has finished. Yet, still they call multiple times a day demanding full payment with threats of escalation.
Despite being a responsible and punctual borrower throughout the life of my mortgage, I received no reminders, notices, or any form of communication regarding the approaching maturity date. This lack of communication is unacceptable and unprofessional. We offered to continue to make payments on the loan till the mortgage was refinanced, or make a very large payment, but this was DENIED by First Horizon.
As a direct result of First Horizons negligence, the credit report for both my wife and I now reflects a negative mark, which will have adverse consequences on our ability to secure credit and loans. This unjust credit mark has the potential to harm our financial prospects for years to come.
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| 10/12/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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On XX/XX/2020, I tried to open an online checking account with Iberiabank, in XXXX XXXX,XX/XX/XXXX.
I went through the whole process ; answered the security questions ; and was advised the account was opened.
I was then asked for an initial deposit. I paid the {$50.00} opening deposit via my XXXX card. See below.
XX/XX/2020 Store Purchase IBERIA BANK, XXXX XXXX,XX/XX/XXXXON HOLD - {$50.00} The next day I get an email from Iberiabank advising me that now that can't open an account for me based on what was inXX/XX/XXXX and XXXX XXXX which they had access to when I was opening the account ).
Although I have no negative activity with XX/XX/XXXX I sent back a reply asking about my deposit and even offered to provide them an account they could direct pay the account to.
I am very familiar with how card holds work. There is nothing stopping Iberiabank from simply releasing the hold on my funds. Instead they told me I was approved for an account, had me pay the deposit and then changed their mind ( their right I suppose and not what this complaint is about, even though I would suggest you look into that deceptive practice ).
Now they are hold my funds " hostage '' for an account they admitted in writing to me that they were not going to open. I have the means that this hold will not cause financial hardship, but Iberbank should have to answer as to what possible reason there is not not release the hold on my funds. And " it will drop off '' which is true, should not be accepted by your Agency.
This is a text book case of violating promissory estoppel. All elements are met and the damage element is the fact I don't have access to my funds that I would have had access if Iberbank would have opened the account as promised or promptly lifted the hold on my initial deposit.
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| 05/07/2021 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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On XX/XX/XXXX, I purchased the property located at XXXX XXXX XXXX XXXX XXXX Nc XXXX. The title of the property is not clear because there is no recorded pay-off for the Deed of Trust filed in Book 7105, Page 396.
Im unable to sell the house.
First Horizon bank failed to record the lien release letter. I called them and they will not help me because I'm a third party. They want the seller to reach out to them and the seller has no incentive to help. I'm the one who is suffering damage now because i can't sell. The buyer is not in need of this letter so he is not helping.
My property title is still encumbered by the Deed of Trust executed by XXXX XXXX & XXXX XXXX in favor of XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, and recorded in Book 7105, Page 396, XXXX XXXX XXXX, securing the principal sum of {$40000.00} and subsequent Assignment of Rents filed in Book 7684, Page 3059.
XXXX XXXX XXXX XXXX XXXX is now First Horizon. Can you get a lien release letter from First Horizon, please?
I can send the settlement statement to you to show you that it has been paid off.
The Uniform Residential Mortgage Satisfaction Act requires lenders to record the lien release within 90 days from the date of pay off. It has been more than 90 days already. According to the Act, the penalty on the lender ( First Horizon ) now is {$1500.00} for failure to record the lien.
I wasn't able to sell the house because of their negligence and I suffered financial damage from the failure to sell the house.
I called First Horizon Bank ( Formerly : Capital Bank / XXXX XXXX XXXX XXXX XXXX ) They cant release information about this loan pay-off to me because Im a third party.
The loan number is XXXX.
And the prior owner of the house has no incentive to help.
Thanks.
XXXX
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| 05/10/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I got my loan sent to my checking account from XXXX which is a lender that approved me for a PPP loan to help with my small business, which is a XXXX XXXX. My loan was deposited in to my account on XX/XX/XXXX. When the deposit cleared my account I transferred it over to my savings account. When I went to pay up some bills for my business I noticed that my account was negative. I called the bank and they told me that they put a hold on my funds. The representative told me that he really didn't know much and to call my local bank. I called my local bank and a woman answered the phone saying that she would have someone call me. A man called me, I think his name was XXXX. He said that since my account wasn't a business then they can not release the funds. I am a XXXX XXXX so I do not have to have a business bank account. The bank is holding my funds which I need to help keep my business from going out of business. If my lender approved me for the loan then they made sure that I qualified for it and rather the money was deposited into a business bank account or not those are my funds and I should have access to them. I do not owe the bank money, nor have I ever wrote bad checks with this bank, and the wire transfer cleared into my bank so they should not be holding my funds. This has to be against the law. This is the reason I do not use this bank much and use my other banks because Ive had problems with them pausing my cards when trying to make purchases. I would always have to call to get them to unfreeze my card. If the concern is my balance is low, its because I do not use this account and wanted to keep my money in this account in the savings and use it when needed. I would like my funds released to me so that I can take care of my business.
|
| 01/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
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On XX/XX/XXXX I deposited {$3.00} into my First Horizon checkings account, then on XX/XX/XXXX I deposited {$100.00}. Both deposits were cash and were deposited using the branches ATM. On XX/XX/XXXX I transferred {$100.00} to my XXXX XXXXXXXX checkings account using XXXX. On XX/XX/XXXX it was posted I deposited {$100.00} which meant I had {$100.00} total in my account. I check my account a few days later since I was planning on depositing more cash and it showed I had a - {$35.00} balance due to an overdraft fee. I then check my posted transactions and see it says I deposited the {$100.00} on XX/XX/XXXX instead of XX/XX/XXXX. This is the reason I was charged the fee since the system claims I put my account into a - {$100.00} balance before depositing the {$100.00}. This isnt true, I transferred the money AFTER depositing the {$100.00} which was posted for the XXXX at the time of transfer. The thing that really gets me is you can not put your account into a negative balance by transfer money with XXXX, the amount youre transferring has to be posted as your active balance for the transfer to go through. I have used my First Horizons checking for nearly a year as a way to deposit cash and have never had a issue until now. I spoke to someone at the branch and they made multiple different excuses throughout our interaction as to how its my fault I received the fee or how there was a error made on XXXX end. Never admitting First Horizon is at fault and made the error. In the end they said they can not refund me the fee and I feel I need to seek further advice and assistance for this issue. The attached images below show my posted transactions for my account along with pictures showing I went to first horizon on the XXXX but never did on the XXXX.
|
| 11/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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On Sunday, XX/XX/XXXX I noticed several fraudulent charges were made to my account. I called my bank, First Horizon, locked my card, and then filed a fraud charge with my bank. They said it would take 5-10 business days to respond. On XX/XX/XXXX I received an email saying " XXXX XXXX, Your claim is completed and except for 1 charge, your claim was declined. All charges ( except the 1 ) were processed with the actual card and chip was used. Charges processed with chip can not be approved as fraud. The following charge was approved and credit has been provided.XXXX XXXX XXXX '' I have provided a list of the fraudulent charges that were made on my account. I called on XX/XX/XXXX at XXXX XXXX and they said that someone must have stolen my card and there was nothing they could do. I did not make any of the charges, I do not live in or near North Carolina, but they said since they used my chip there was nothing they could do.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
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Web |
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I got approved for a sba loan in XX/XX/XXXX. I got one in XXXX also and it went to first horizon bank in XXXX. Since then my account with them has been closed since XXXX. I didnt get the government my new account information in time so the funds were deposited to the closed account on XX/XX/XXXX. I told the loan provider and they said since the account was closed it would be rejected and they would put it in my current account. Days went by and the loan provider still havent received the funds so I decided to call first horizon to see if they had the funds and they said they did have the funds and they were available. They told me to download the banking app and I could see it. I asked them why they would open an account that have been closed over a year without my permission and they could not tell me.So I opened the app and it said my account was XXXX XXXX dollars negative so I called back and they said it was a hold on my account and cant tell me why and someone would call me. No one ever called me So today XX/XX/XXXX I called at least 4 times and they told me the same thing so the last time I told them Im not getting off the phone until they tell me why they are holding my money and they said they were sending it back I said when they said they could not tell me that all they know is that they are sending it back I said why would ya open account take money I owe ya and then put the account on hold to prevent me from getting the money and then tell me ya sending it back. Its been there since the XXXX and he said cause he can. I have a new address but the same number no one ever contacted me. So they have my money and wont release it and wont tell me when they are sending it back reopened the account without my permission
|
| 07/06/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
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First Tennessee Bank employees did a duplicate wire transfer on XX/XX/XXXX. The account number was XXXX, the original transaction was done on XX/XX/XXXX. First Tennessee adjusted the {$74000.00} by using the bank deposit slip/and or their withdrawal slips. The bank off set the money stolen. The deposit slip & withdrawal slip numbers are XXXX & XXXX. XXXX XXXX & XXXX XXXX are brokers that handled that account. They set up the fraud account with XXXX XXXX. XXXX XXXX appears to be working with XXXX XXXX XXXX. There was a transaction made to XXXX XXXX XXXX XXXX The name on the account is XXXX, XXXX. The amount was $ XXXX.First Tennessee Bank stole {$20000.00} on XX/XX/XXXX. XXXX XXXX with XXXX XXXX stole {$20000.00}. There are three banks involved. There was another wire transfer adjusted by First Tennessee Bank after the bank stole $ {$33000.00} on XX/XX/XXXX. The wire transfer was from account number XXXX to aba XXXX/account # XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX is the account set up by XXXX XXXX after she stole my retirement check from XXXX in XX/XX/XXXX. XXXX XXXX & XXXX XXXX with XXXX XXXX my former employer. XXXX XXXX was a former employee with XXXX XXXX XXXX XXXX She was friends with XXXX XXXX . My retirement check was mailed to the bank. I never saw the check to endorse it. The FBI & Secret Service brought this to my attention. XXXX XXXX stamped my check with Principle with NFS stamp to deposit only. The amount of the check is {$280000.00}. A fraud account was set up for XXXX XXXX. The amount was for $ XXXX.The XXXX Family was given the paperwork by Attorney XXXX XXXX after I filed bankruptcy in XX/XX/XXXX. Another account was set up for XXXX XXXX XXXX. The account number created by XXXX XXXX is XXXX.
|
| 03/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
First Horizon has made two entries on My consumer report XXXX and others that are false. After disputing the information and making payment that settled the debts, the reported information shows no update that reflects the settled account debts. When settled First Horizon agreed to remove the items. Most importantly the false accusation entered as suspected fraud is baseless, it was not properly investigated, and the character of the debt being associated to fraud violates my consumer rights and it's damaging. I accepted a a third party payroll check from a past associate that was placed on hold and released by the bank, there was no issues with it's validity. After, the overdraft of my account for unrelated unforeseen charges the bank reviewed my account discovery the mistake of the bank whom stated that my account did not allow third party deposits and reversed the credits solely based on the mistake of the bank. The bank decided to prematurely close the account and notate two falsely characterized occurrences of one incidents when submitting the occurrences separately on my consumer reports. The amounts has been settled which the entries do not reflect settlement, and the entries make false claims related to and described as fraud and account abuse which is retaliatory in nature for reason of the bank having to disassociate from it's actual mistake made on the account, further in an attempt to secure it's position without being subject to legal remedy it inflated the infraction, and the bank did not accept any statement from myself or the owner of the check which is failure to properly investigate the incident and allowing the bank to take the level action which is faulty business practices.
|
| 10/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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In XX/XX/XXXX, I withdrew {$1000.00} to gift to my grandson for his wedding. In XX/XX/XXXX, I looked back in my bank records to see what I had gifted my grandson, because my 2nd grandson was getting married and I wanted to give him the same amount. Upon finding the withdrawal, I found the bank had actually withdrew {$10000.00}. However, I only received the {$1000.00}.
When asking the bank manager, XXXX XXXX, ( First Horizon, XXXX, Alabama ), she " checked on '' it for about 30 minutes. She did provide a copy of the withdrawl slip.
But this only confirms that the slip was tampered with because it it not in my handwriting. Then she came out and reported that the teller, XXXX?, had retired recently and they did not keep records or video surveillance beyond 6 months. I withdrew my money from the bank and deposited it at another local bank, XXXX. At XXXX, they told me that all banks should keep records for longer than 6 months.
After contacting the home office of First Horizon in XXXX, TN, I was told that yes, this did not look like my handwriting and they would investigate through their fraud department. Three days later, they called and said they couldn't help.
I feel like they are taking advantage of me because I am elderly. This money was my wife 's life insurance money. It was meant for me to survive on after her passing. {$9000.00} is nothing to a large bank, but it means survival for me.
I have attached a copy of the withdrawal slip if you'd like to see it. The words " XXXX XXXX '' are not in my handwriting and the zeros have been changed.
Also, my daughter is helping me file this complaint. If you have any questions, feel free to call her, XXXX XXXX, @ XXXX or via email at XXXX.
|
| 03/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
First Horizon Mortgage XXXX held my conventional loan until XX/XX/XXXX when I sold the loan and paid off the loan with First Horizon I have called First Horizon several times requesting my IRS Form 1098 for interest.
On XX/XX/XXXX, I called and spoke to a First Horizon customer service rep and was advised my IRS FORM 1098 was mailed to XXXX XXXX XXXX XXXX, AR. THIS IS NOT MY ADDRESS and has never been my address. I have never been associated in any manner to XXXX, AR.
I am concerned about fraud or identity theft and requested the customer service rep to please send my 1098 form to my correct address. She said she would.mail on that day.
After no receipt of the 1098 and several attempts to call after First Horizon again, I reached a customer service rep on XX/XX/XXXX and was advised my 1098 form was not mailed and First Horizon could not change my mailing address I explained my payoff release deed was sent to the correct address in XX/XX/XXXX and could send a copy of the letter. I also inquired on the person or party that changed my address without my knowledge or approval and requested a copy of the authorization.
I was advised to send an email and send a written letter to change my own address tho some other party already had obviously.- which I did both.
This should be a red flag under the FACT Act 12 CFR 222.90, which requires the bank to establish an identity theft program and respond appropriately to any red flags which are defined as a pattern, practice, or specific activity that indicates the possible existence of identity theft.
Could you please assist? I am worried I will be the victim of fraud or identity theft.
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| 06/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
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|
Web |
|
|
I reached out via XXXX in an investment group I am apart of, i got several responses. had been in communication with a person named XXXX XXXX We spoke on the phone, and text about how his process works I requesting funding for fix and flip in the amount of $ XXXX I was then asked to fill out an application, then to send over bank statements which I did, ID typical loan request, The company then sent over an agreement and text stating Once I Sent over {$1700.00} and sent them proof of wire confirmation which was done on yesterday XX/XX/2023 they would wire me $ XXXX shortly after that did happen I then was told by company they needed to make sure the funds hit their account then around XXXX XXXX the person inboxed me through whatsapp which before we were only communicating via phone or cell text. they started i needed to pay {$17000.00} insurance fee to get the funds, however they wound up sending the $ XXXX through an app called XXXX which i never heard the bank info on the agreement and where we sent the funds to was a domestic account through XXXX XXXX. once I told him i am sending any moe money he cancelled the transaction through XXXX, and then he texted me saying getting money from me was too easy and to call the fbi, he said he wasnt giving my money back although he has agreed to, I called the bank about 20 mins ago and spoke to a lady who said there was nothing they could do because the funds already left my account, I am requesting for my bank to request thefunds back from XXXX due and flag this guy as a scammer. the wire was sent to XXXX XXXX XXXX with XXXX XXXX, person name is XXXX XXXX XXXX, XXXX
|
| 09/09/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We obtained a HELOC loan in XXXX against our home at XXXX XXXX XXXX XXXX, MD XXXX. In XXXX the housing market crashed and they froze the account so we could not use it and we have been making payments ever since. In XX/XX/XXXX they said that the terms have changed and that my payment would be {$950.00} per mo. from under {$300.00} for all those years.
We noticed on our credit report that they changed this from a HELOC to a VISA credit card, ( which i did not want a credit card ). It shows up as an installment loan and it is affecting our credit score. We have worked very hard to get our credit score up and this has put us at a stand still. We can not refinance because our scores are not high enough because of this VISA card. It appears on our report that we have over {$85000.00} worth of Credit card debt, when in fact our credit cards are less than {$5000.00}, when they changed the status of this HELOC it looks like we have racked up cc bills to {$85000.00}.
This is also a 2nd trust against our home that shows up. How can it be both? They will not let us refinance because they don't do loans in MD anymore. We do not have {$83000.00} to pay this off, this is supposed to be paid in full when our home sells.
We are a hard working family, and we feel that we are being taken advantage of, all we ask is they change the way they report this, not like a credit card but a 2nd mortgage., we have no problem with making our payments and paying off when we sell but in the meantime, we really need help getting them to change this.
We thank you in advance for helping and we look forward to hearing back from you
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| 01/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2022and XX/XX/2022 over 120 withdrawals were made out of my checking account with First Horizon Bank. The bank stated the withdrawals were made by my deceased daughter XXXX XXXX. XXXX XXXX is not an authorized user on my account. There was over 120 small amount transactions made. The account number is XXXX XXXX. The account ending in XXXX is and account that I XXXX XXXX and XXXX XXXX joint account. The bank doesn't have any written consent on file stating XXXX XXXX is able to withdrawal out of the account ending in XXXX. The total amount stolen out of my account is {$12000.00}. The bank is stating that the funds were put into a account that I XXXX XXXX and XXXX XXXX had together. These transactions were made by a online scammer. I had previously notified my bank XXXX weeks prior that my identity was stolen and not to let any online transactions go thru. The funds that were taken was funds for Hurricane Ida and now im unable to finish my repairs on my house. I reported the amount stolen to the XXXX Police Department. The police report number is XXXX. First Horizon Bank phone number is XXXX. Please help me get my {$12000.00} stolen back. According to FDIC guidelines any unauthorized withdrawals out of an account get full reimbursement. First Horizon Bank is stating because XXXX XXXX transferred money to the account with my name on it that to them thats a legal transaction. XXXX never had written consent to transfer funds. Plus id like to know how a deceased person can transfer funds in the first place. I desperately need my {$12000.00} to finish my house repairs.
Sincerely, XXXX XXXX
|
| 02/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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On XX/XX/2017 I opened an checking account with First Tennessee Bank in respond to a promotion they were advertising on their website at the time : Checking account with direct deposit and get {$300.00} with promotion code XXXX. At the time the ads did not mention anything about direct mailer other than being a resident of TN and surrounding area. Two months after I satisfied the direct deposit requirement my account was still not credited with the {$300.00} that they advertised. So in late XX/XX/XXXX I contacted the bank by phone, and after the agent verified my direct deposits she assured me that the bonus would be credited to my account within 3 to 5 business days because she said she has put in an escalating ticket for me. But a week passed, then two weeks, and still nothing. Finally in late XX/XX/XXXX after I complained in the bank survey someone contacted me, only this time i was given a totally different answer. I was told they denied my bonus because they believe my home address was not on their mailing list. They now claim that promotion was for physical mailer only. What a total lie! That promotion was advertised boldly on their website at the time and i just clicked on the " APPLY NOW '' button under that ads and opened my account. It was never a physical mailer! I don't understand why they are making up such lousy lies now. The only explanation would be to avoid paying out the bonus that they promised in their ads. Either way, that kind of marketing/business practice is very deceiving and dishonest. They may be able to acquire customers quickly at first but won't last.
|
| 05/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have aske d First Ten nessee to review the way they have been reporting my credit to the XXXX credit reporting agencies. On XXXX XXXX , XXXX they stated " we reviewed the account and found it was charged off on XX/XX/XXXX with the first date of delinquency being XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information. First Tennessee has reported the charge off on my credit report for the past 73 months. A charge off is a one time IRS write off on a worthless debt. Reporting the charged off every month does not meet the " integrity '' of the credit reporting. I spoke to XXXX in customer care on or about XXXX XXXX , XXXX and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had XXXX credit cards closed by XXXX banks even though I had not missed a payment for two years because of the way First Tennessee has reported this account. I was turned down for a mortgage in XXXX of this year, not because of the charge off, ( after all it i s 6 years old ) but because First Tennessee has reported it every month making it look like a new charge off. First Tennessee bank has caused personal damage to me as I have been turned down by XXXX credit card companies, XXXX mortgage and my ability to rent a home.
|
| 09/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I must have co-signed for my daughter in 2015 for a First Horizon Credit card. I do not remember and when she asked she said they do not show me on the account. I have sent an email previously with no response. I keep getting notifications of my credit score being affected by late payments to a credit card I may have co-signed with my daughter five years ago. I have not received one notice of late payments. I had excellent credit prior to this. I would like this taken off my credit report. Through Covid and odd glitches on First Horizons end this account as well as the checking account has gotten really messed up. The account has a hold on it so no online payments have been allowed. Calling the number on the back of the card they tell you to go into a branch. The branch says call the number on the card. My daughter has been given the run around and been charged all kinds of fees she shouldnt have. She has been treated like someone that does not deserve any respect for no other reason than perhaps the fact she does not have a lot of money!? I would like to straighten this out for her. I dont have the account number because she wants to fix this herself but if my name is on the account I should be able to access this to rectify it. This has gone on for months, hopefully someone can help us once and for all. Strangely enough a branch called her in yesterday asked for her Id and debit card no explanation and dismissed her. It should not be this hard for someone to take your money! Its not even that much that is past due but it has seriously damaged my credit.
|
| 08/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
in XXXX of XXXX First TN finalized a foreclosure on a property I had financed with them. I had owned this property since XX/XX/XXXX and had built a 2nd home on it. I had built up approximately {$31000.00} in equity. I owed {$29000.00} +/- at the time they started processing a foreclosure. I asked First TN, multiple times, to please work with me as the economical downturn in the market place impacted my income directly, but they refused. I explained to them that my income had dropped and my tenants moved out without notice. I tried to rent it and was able to maintain the payments for a few months. However, I could not find a tenant. I tried on multiple occasions to convince First TN that if they would just work with me, I would get back on track and continue to pay them. First TN sold it for {$51000.00} in XX/XX/XXXX for a profit. They continued to call me to collect a balance still owed of around {$7000.00}. This continues to haunt me as they have it on my credit report as a foreclosure with an outstanding balance. It has cost me higher interest rates with new creditor, declined financing from new creditors and required larger down payment on vehicles.
I have attempted to rebuild my credit for almost 7 years now and continue to be denied for new credit. I can not finance a new vehicle, I have drove the same one for 15 years.
The ramifications of First TN not being willing to work with me has cost me immensely, in numerous way. First TN sold this property for approximately {$22000.00} more than I owed. This was equity I planned to use toward my retirement.
|
| 07/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
XXXX of XXXX, I revoked authorization for XXXX XXXX to automatically withdraw flex loan payments from my checking account I revoked consent via their website and spoke with a customer service representative to advise them authorization was revoked and to inquire as to why payments were being taken when they should not. I was informed by the rep my account would be notated, but they'd more thsn likely contiue the automatic payments, because they typically do, even after consent was revoked.On several occasions, beginning XXXX of XXXX, I attempted to stop payments and dispute the transactions with my financial institution, XXXX XXXX, and was told the only way to stop the payments is to close the account, because Id made a bindingagreementwith the companyand they have the right to recoup their money. I explained that I'm not trying to get out of paying back whai I owe, but I wanted to make the payments myself, because XXXX XXXX is not abiding by the agreed upon payment dates by taking payments outside of the authorized due dates and withoutauthorization. I also explained my pay checks are directly deposited into the account and it would be a major inconvenience, due to me having auto payments, set up, my mortgage and other accounts to my checking account, and was again told there was nothing I could do to stop the payments, outside of closing the account, because they have my account number and the bank is not authorized to stop them.
I'm currently under bankruptcy, as of XX/XX/XXXX, but the payments continue to be taken out without my authorization.
|
| 11/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I had attempted to order a product from XXXX, I had inadvertenly used my debit card when I intended to use other loan product. I called XXXX 4 times the day the error occurred. I was assured 4 times that my order had been cancelled. A hold had been placed on my account for around XXXX I contacted First Horizon bank that day to report the issue and to open a fraud claim. I was told I needed to wait for it to hard charge to my account. On XX/XX/XXXX, the charge hard posted, I contacted the fraud department and started the process. I was told I would get my funds back within 5-10 days. I received 2 products from the company. After numerous issues filled through the XXXX I received a return label for the product and sent it back XX/XX/20. I contacted First Horizon bank this morning to give them an update and to see where my report stood. They had closed out my case as I still had the product. I was unable to return until I received the label. They re-opened my case XX/XX/20 but stated I would not get my funds provisionally. I would get the funds back once they received the charge back from Visa. I believe this is a violation of Regulation E. My understanding is that they must provide provisional credit within 10 days and then they may pull the funds back if my claim gets denied, or recoup their funds when the merchants charge back is received. I have been without access to my funds due to the debit card hold and the hard charge since XX/XX/XXXX.
|
| 08/30/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX/XXXX/16 I withdrew {$600.00}. from an ATM like I always do. My receipt said I had {$20000.00}, which was correct. 4 days later when I tried to get money out to pay for car repairs my balance was {$250.00}. I immediately went to bank and reported this. I was told the back would give my money back while they did an investigation. 2 months later still no money. I had my card in my possession on XXXX/XXXX/16 but someone had already been stealing money from ATMs and making purchases using my card number since XXXX/XXXX/16. ( These transactions did not show up on my ATM receipts so I had no knowledge of them ). I have been to First Tennessee Bank at least 20 times and have submitted all the information they requested and have talked to XXXX police and security at the bank dozens of times. I have a {$600.00}.
limit I can get every day, but First Tennessee let someone get more than that multiple times without my authorization. I have no car, my health and car insurance cancelled, phone cut off, no place to live, and no way to work for 2 months. Last time I talked to XXXX XXXX in the XXXX FTB Security, she told me they ca n't discuss MY account while the investigation is going on. I even gave them the name and persons address who used the card on multiple occasions, and they did nothing. I do n't even have XXXX cents to call them or catch a bus to a nearby branch. They have ruined my life for 2.5 months and do n't seem to care.
|
| 01/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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I have had issues with fraud three times over a short period and was denied one claim during the confined timeframe discovered. I thought I did a great job in outlining the timeframe, the type of transaction, place of transaction and it's association to a legitimate transaction done at the same time. That being from XXXX to XXXX and additional three charges, at pay at pump at for the most part XXXX..
I laid out the basis of claim being I'm single no kids and only person that uses the card, and that outside the timeframe very little transactions at XXXX. The amounts are always {$30.00} {$40.00} {$50.00} for example.
I get gas once daily and stop in the store for breakfast anything outside of this is fraud, and pointed out that before and after the timeframe this is consistent and true.
Well, today, an online bank I started with 10 days ago, showed indications for the same scam going on. So I called me. XXXX XXXX of XXXX who LEDs me to XXXX in the aims department, who was brash, short, and uncaring. She indicated that since it's a chip card, it can't be duplicated so it's denied. This is a false statement.
She also could not provide a timestamp for a transaction which was part of the original claim that was denied. How can you make a inclusive comprehensive investigation without basic information about a transction in question.
I believe I am targeted and a simmer or some other technology has cloned my information.
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| 07/25/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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first horizon bank is not keeping proper records of transactions and a deposit hold that they have placed on my account. the 2 monthly statements i have do not reflect the actual ongoing situation which is that my available balance has not matched my actual balance for 39 days now. they are unresponsive to my requests to close my account. they are cancelling scheduled payments and transfers without recording their actions in the permanent bank account statements or transaction record. this lack of the usual level of banking recordkeeping practice makes me concerned that their actions are more extra judicial than merely holding a deposit beyond the legally established time limits. they also tell me that there is no internal bank oversight that i can appeal to. they have other courses of action that they can take other than to avoid permanently recording evidence of an improperly extended deposit hold. if they corrected the error in my available balance by updating it to match the current balance today, there would be no evidence of a 39 day inability to use the funds in my account in the official account statements. and thats not right. they are doing this to perhaps thousands of customers who they say received business payments into personal accounts. i was told that some of these situations have duration of over a year. perhaps that was meant to discourage me. or to encourage my submission of this complaint. please help.
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| 07/09/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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The employees with First Tennessee Bank made withdrawals each time I made a withdrawal. XXXX XXXX caused this problem when she set up this fraudulent account with XXXX XXXX. XXXX XXXX had given my actual retirement to XXXX XXXX XXXX XXXX in the amount of {$280.00} XXXX. The check from XXXX was made in my name. XXXX XXXX mailed to First Tennessee Bank. Never seen by me or endorsed by me. XXXX XXXX intentions was to set me up. XXXX XXXX notified me of her fraudulent acts. She had me followed, beaten. On XX/XX/XXXX I made a withdrawal in the amount of {$5000.00} XXXX. A misc debit was done in the amount of {$5400.00} on XX/XX/XXXX. I made a withdrawal in the amount of {$74000.00} on XX/XX/XXXX from XXXX XXXX. First Tennessee Bank employees made a withdrawal for the same amount on XX/XX/XXXX. First Tennessee Bank off set their withdrawal using the bank deposit slips & withdrawal slips. I did n't receive the copy from XXXX until XX/XX/XXXX. XXXX XXXX lead me to believe my stock/wad sold to XXXX XXXX. XXXX XXXX informed me of what XXXX XXXX & XXXX XXXX had done. I learned that XXXX XXXX was working with First Tennessee Bank to take my home. I decided to make an investment with a company. I did a wire transfer on XX/XX/XXXX in the amount of {$25.00} XXXX First Bank XXXX The XXXX was suppose to be deducted from the XXXX. It was separated. First Tennessee Bank used their deposit slips once again to adjust their transactions.
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| 03/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I was approved for mortgage forbearance through First Horizon mortgage company due to my hardships. I had to take care of my father who was XXXX from XXXX in Ohio, and my wife had her XXXX XXXX while XXXX XXXX to our daughter. I sent them all of the medical results to confirm this. I was also involved in an adverse arbitration ruling however we have factual evidence that the arbitrator was corrupt and since then the Florida XXXX has opened an advanced investigation into him. I sent that Florida XXXX letter in as well to verify my details. I was eventually approved for forbearance after going back and forth with the First Horizon for 6 months. Now they are Dual Tracking me and continuing to ask for the same information I already provided them. They refuse to answer any of my questions that I submit through their online portal. When I call in they say only a supervisor can address my questions. They always inform me they will call me back and they never do. I then demand to stay on hold to speak with a supervisor and they always tell me I can't tie up their phone lines. I finally reached out to a HUD counselor to assist. She was very kind and called in with me on the line. She experienced the same issues. Finally, she demanded to speak to a supervisor. He came on the line and told us their systems were down ( a usual excuse for them ), then hung up on us. Again I am left in limbo on what to do in my situation
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| 10/28/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX, I started a relationship with a XXXX mining company on the website XXXX. I made several contributions during the month of XXXX accumulating funds of {$47000.00}. When I wanted to dispose of them, they began to ask me for more money for it. Since I did not agree to deposit more money, they transferred the funds to the entity called First Horizon Bank?, with its main address in XXXX, Washington State, because they said that it would be easier to manage and transactions that I wanted to carry out. I wanted to make a transfer and a credit card request, but they asked me for the transfer {$2000.00} in expenses. I asked them to deduct the available funds from XXXX and they refused. I have decided to cancel the transfer or do it for smaller amounts but they do not give me access to my account, nor do they assign me the credit card even though it is " approved '' but they do not want to activate it. My first question is whether that entity exists as such and second because they do not allow me to make transfers deducting the expenses of the funds that remain available in the account. I am an XXXX of the Government of XXXX, I am not involved in money laundering nor is the money going to be dedicated to criminal activities, all this would be declared to the Department of XXXX of my country. I honestly think I've been the victim of a scam and what they're trying to do is get more money out of me.
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| 05/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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i took a mortgage out in XXXX. it was a 15 year and had 2 HELOC accounts as well.
sometime in XXXX my finances changed and i filed for chapter XXXX bankruptcy XX/XX/XXXX.
the chapter XXXX was dismissed in XXXX and was refiled XX/XX/XXXX.
the mortgage was paid thru the second chapter XXXX. when chapter XXXX sent me records of the first case it showed the mortgage was paid on that one as well. i did not think it was but they have been paid all along.
in XX/XX/XXXX the bank sent chapter XXXX a refund of {$1000.00} for over-payment.
this was on a HELOC payment of {$170.00} per month.
in XX/XX/XXXX the second HELOC payment of {$130.00} per month was shown as paid in full/stop payment in a letter from First Tennessee Bank to the chapter XXXX office.
the chapter XXXX was discharged in XX/XX/XXXX and i was directed to pay the bank directly.
XXXX i sent a check for {$480.00} to the First Tennessee as instructed by the chapter XXXX office.
aware that this was approaching i contacted the bank through C/S and at the branch to find out how much was remaining on the payments starting in XX/XX/XXXX i spoke with about 15 different people and have no clue as to the balance on the mortgage. i emailed XXXX XXXX and they sent me back to customer service.
it is my opinion this has been paid, but i am sending another check today.
after all that has happened i think anyone would want to know what they owe.
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| 11/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Closing on a mortgage
- Closing disclosure or other related disclosures
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|
Web |
Servicemember |
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First Horizon has failed to respond to my prior three letters requesting that First Horizon immediately provide the following : Amortization of the loan as initially drafted and signed regarding loan modification on XX/XX/XXXX.
*Note - First Horizon has misappropriated funds for 13 years and has not held themselves accountable.
Previously, I highlighted that First Horizon had violated the contract, as it did not apply any payments to the principal as illustrated in the below articles ( attached XXXX XXXX XXXX XXXX ) : 1. " Article 3 Borrower promises to make initial monthly payments of U.S. {$3100.00}, beginning on XX/XX/XXXX, until the first principal and interest payment due date XX/XX/XXXX, '' 2. " Article 4 The first principal and interest payments will be due on XX/XX/XXXX. '' Again, in summary, First Horizon directly applied all payments to interest in direct conflict with the contract dated XX/XX/XXXX.
This complaint does not address prior violations, unmarketable title, pain, suffering, and the undue burden First Horizon has caused and continues to cause us as consumers.
Also, this letter does address the signed affidavit First Horizon introduced in court in XX/XX/XXXX, indicating its accounting was accurate. As per my XX/XX/XXXX correspondence, this was a fixed loan.
Also, please provide all correspondence First Horizon has provided to third parties.
|
| 07/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
Older American |
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On the first week of XXXX I noticed XXXX transactions on my Bank account at First Horizon Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX which I did not recognized. I immediately went to the bank to inform them and dispute the charges. The clerk informed me that my debit card had been compromised. She took my debit card and destroyed it and issued me a new debit card. However, she did not cancel the compromised debit card.
The new card was never activated.
On XX/XX/2022 the bank send me an email informing me that my account had been overdrawn. I immediately went to investigate. I asked the manager to provide me with a statement. It was 9 pages long! Upon examining the statement I informed her they were not my charges. We talked and the manager asked me to file a police report, and the Bank said they would start an investigation once they receive the police report.
I provided the bank with the police report. No one had requested it only told me they were waiting A week - 10 days - later the bank presented me with a check in amount of {$8000.00} as a replacement - I think for cash withdrawals.
The last XXXX days, I have contacted the many times over and over again concerning the matter ; only to be told we are investigating and can not give you a date when it will be completed.
Please investigate and assist me in how to get my funds back from the bank
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| 06/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX.
XX/XX/XXXX I worked for XXXX XXXX XXXX XXXX.
XX/XX/XXXX- XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX.
I purchased my home at XXXX XXXX XXXX on XX/XX/XXXX.
In XX/XX/XXXX I lived at XXXX XXXX XXXX XXXX. The XXXX XXXX. XXXX TN XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX.
First Tennessee Bank allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place.
The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in Texas, XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX XXXX is using our deceased father social security number.
Secret Service also notified of fraud, embezzlement, abuse of His Housing.
|
| 01/18/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Iberiabank transitioned certain mortgages to First Horizon at the end of XXXX. The last communication sent to me was on XX/XX/XXXX indicating that the transition was delayed into early XXXX. No further information was provided by First Horizon either by e-mail or paper notice as to 1 ) where to setup the account 2 ) The new loan number post-transition 3 ) Date the transition was effective or 4 ) How to setup automatic recurring payments through their site. As a result, the only indication that I received that my loan was now being administered by First Horizon was that I had a hit on my credit report for a delinquent loan. I had to call the company and go through customer service to figure out what had happened. I had received no electronic or paper notification of interest owed or that my previous bank account was no longer being auto-drawn to pay interest. Customer service also indicated that they had incorrectly set the first payment due date to XXXX instead of XXXX. I have received no assurance from First Horizon that they would correct the credit reporting - only that they would " review '' it. First Horizon did not properly communicate to previous Iberiabank customers relevant information required to allow customers to effectively continue payment on their loans unabated and made no effort to contact customers prior to taking credit reporting actions.
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| 11/30/2021 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Due to COVID-19 problems, my husband who lost his job because his employer closed shop was under the deferment plan. My mortgage was sold to XXXX from Iberia Bank. I started paying XXXX who used XXXX for servicing. They take months to credit your account since they will not allow me to pay online like Iberia. Because of health problems and the layoffs, I applied for a grant to bring my mortgage up to date. Due to the lag time of crediting my payments and the late fee they claimed come from my previous mortgage company, I can not get the grant money I was awarded because of a {$10000.00} cap. The {$10000.00} has to bring the mortgage current. They take literally weeks to credit payments. The late fee from my mortgage was addressed in 2012, where I showed the company that I did not owe this amount and even filed a complaint with the credit bureau. I proved that the payments were on time, and that they were taking too long to credit my account ( I started sending certified mail for proof ) so once they initiated online payment, I did not have to address this issue. XXXX says I owe {$3900.00} in late fees. that impossible and not collectible. Iberia Bank said I did not owe this and then they transfer this loan to First Horizon. No one tried to research this or to think for themselves of why would I be allowed to carry a {$4000.00} late for at {$100.00} a pop
|
| 05/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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On XX/XX/XXXX I made a deposit into my checking account at XXXX XXXX via the ATM machine for the amount of {$120.00} to make my balance a total of XXXX to cover a payment that was going to be coming out of my account on Wednesday. The bank ended up having issues with the deposits posting to accounts via the ATM machine and my car payment was returned to as a NSF because the deposit had not been posted to the account. No one from the bank reached out to me once they knew the atm had an issue to say that they was going to be working on it or anything. I got text messages from the bank stating I had a pending credit of {$120.00} on Monday, Tuesday, and Wednesday. I logged into my account online on XX/XX/XXXX only to find out that my car payment was returned due to nsf. Which didnt many any sense to me because I made a deposit for the amount to cover the payment that was coming in. When I contacted the bank the first rep I spoke to on the phone hung up on me and the second rep didnt help at all. I asked both reps for a supervisor to be able to assist me and to help me to be able to understand why they didnt go ahead and allow my payment to be made to XXXX because they knew they had issues with the deposits. The bank went into my account and cleaned up my account making it look like I made a deposit on Thursday when I made it on Monday which was incorrect.
|
| 05/17/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
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|
Web |
Older American |
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Spoke to loan officer at First Horizon Bank about two outstanding mortgage cancellations from two acquisitions they acquired Iberia Bank and XXXX Bank that needed to be closed out both were paid off XXXX years ago. One was filed XXXX no XXXX XXXX from Iberia Bank by deputy clerk and the other XXXX no XXXX XXXX by XXXX XXXX XXXX
Both are XXXX balance and we need an original cancellation notification in order to file it at the courthouse. Its been since XX/XX/XXXX when I first approached the bank in our local area XXXX XXXX in XXXXXXXX XXXX to help us resolve this issue. Its now XX/XX/XXXX several weeks after and still we have not received any paperwork, I just left the courthouse this morning and they have no paperwork went back to the bank local and he called their corporate office and spoke to XXXX who was supposedly handling it and she said she used a 3rd party company to get it to the courthouse. This is now costing money every day as we are trying to help my daughter and husband and family purchase a home here. Hes in XXXX working and it has been very frustrating to get things moving forward without this paperwork sent to the courthouse are even to us as owners. Please help us resolve this issue so we can get this recorded, so that our lawyer can finalize this transaction for our mortgages that have been paid in full for XXXX years please.
|
| 12/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On Saturday, XX/XX/XXXX, I discovered that a check I had written to XXXX XXXX ( Ck XXXX dated XX/XX/2020 in the amount of {$1700.00} ) had cleared my Iberia bank checking account the day before, Friday, XX/XX/XXXX.
Mr XXXX never received the check, and someone else cashed it. ( The endorsement showed only an initial, so I assume it was deposited directly into the thief 's bank account. ) I immediately notified Iberia Bank.
The following Monday, someone from the XXXX branch of Iberia ( where I bank ) called and I confirmed that the check had been stolen. She requested that I come to the bank and sign a formal complaint stating that I would prosecute the thief. I did. I also asked to be notified of the bank 's findings.
The next day, she called and said the bank had deposited {$1700.00} back into my account, but she was unable, or unwilling to give me any further information.
She also advised me that the bank has no fraud investigation department, so there is no way to find out what happened. ( Mr. XXXX needs to know if someone is tampering with his mail, and I need to know who to prosecute. ) This is a serious federal offense, and surely the feds need to take action against the thief.
Please let me know how to proceed. In my opinion, Iberia had no business cashing this check without securing proper identification.
What is my next step?
|
| 09/04/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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In XX/XX/XXXX, First Tennessee Bank charged off my second mortgage. I contacted them to make payments of {$400.00}. I made payments for 5 years with them stating it was being applied to my principal. Recently, I was unable to continue making the {$400.00} payment due to financial hardship. First Tennessee contacted me earlier this year to begin making payments. I offered {$200.00} a month. The lady on the phone stated it would n't be enough to cover principal and the accruing interest. She told me in order for the phone calls to stop I had to make the original payment of {$770.00} to include the interest. This does n't make sense to me because in order to charge a consumer interest should n't I receive regular monthly statements according to the Truth in Lending Act? That is the number one reason charge off accounts are n't charged interest because there are laws that apply. Also, in reviewing my original documents, there is no where that speaks to charging interest after the loan is in default. I do n't understand why i 'm being charged interest on an account that is no longer on the company 's records as an active account. To make matters even more complicated the last time the account was reported to the credit bureau was XX/XX/XXXX with a balance due of {$100000.00}. They are n't even reporting to the credit bureau the increased amount.
|
| 10/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
On XXXX XXXX, XXXX my wife and I received a home equity loan on a property located at XXXX XXXX XXXX, XXXX, Ca. XXXX, in the amount of {$80000.00} from XXXX XXXX XXXX XXXX XXXX, sold later to First Tennessee Bank. The property was foreclosed upon 3 years later. My wife and I received several notifications of the impending foreclosure but we could not continue making the monthly payments due to losing my job. We did n't receive notices or any communication from the holders of the home equity line of credit regarding the foreclosure proceeding and we continue making the {$210.00} monthly payments. In XXXX payments increased to over {$800.00}. We had difficulty with the increase, but have made irregular payments and believe the account to be up to date. My understanding is the holder of the home equity line of credit must be notified of the foreclosure and release its interest in the property for a negotiated amount of the sale price prior to the property being sold to another buyer. I need to know if that happened with this property. I contacted First Tennessee Bank to attempt to settle the loan for a cash payment less than the balance but was told the loan was unsecured and for me to submit a full financial disclosure form prior to discussing the situation. My working life is ending soon and I 'd like to settle this debt.
|
| 01/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2021 I went into my local First Horizon bank the address being XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX, to inquire about why I was charged a XXXX dollar overdraft fee. While I was inquiring the teller printed out something and it charged my XXXX to my account. I never saw the print out. Then she has me sit and wait on someone. It was a relationship banker. I had asked for a manager and she said wait and there would be one there. I never got to talk to a manager. So I sit down with XXXX XXXX XXXX to discuss the overdraft fee and pull my account up and see that they charged me the two dollars for a print out without my consent, without my authorization, unbeknownst to me. I then ask XXXX if that was against policy to do that without me knowing and she admitted that it was against policy. I believe its actually against the law.
This was the original complaint. They didnt comment on the fact that XXXX did indeed agree it was against policy to charge that especially without my consent. The teller didnt have authorization to print the form. Without authorization from me, it was indeed against policy. So what policy was she admitting to you guys breaking? I didnt authorize the printing of any form. So you are twisting the story to fit your intended outcome. Im not ok with this. Its not lawful or constitutional.
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request.
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
|
| 06/06/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
I closed on a HELOC and was charged 2 times for closing costs ; Please investigate this bank- I filed a complaint with the consumer protection bureau regarding the processing of the loan before it closed and after it closed they made ANOTHER mistake that I just discovered, which was charge me 2 times for closing costs. The complaint I filed with the Consumer Protection Bureau was related to another matter, NOT this matter ; First Tennessee Bank is a financial institution that should be able to close a loan without mistakes. This is the XXXX mistake and almost {$4000.00} in their favor ; Where is this money? Who spent it? Where is the internal audit department at the bank and why did they not see they charged me two times for the closing costs? Why have they not contacted me to issue a refund? How can a bank balance their balance sheets with a {$4000.00} error in their favor and not research to determine the sources of the overage in their ledgers? Why not reach out to the customer to admit a mistake? Perhaps they charged me twice as a means of revenge as a result of the complaint I filed with the Consumer Protection Bureau. This bank needs to be audited by the Government- If they miss a {$4000.00} error, what XXXX customers have they taken advantage of?
Thank you for looking into this matter, XXXX XXXX
|
| 01/20/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
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Hello, I am in need of some help with a second mortgage loan issue. I filed for Chapter XXXX Bankruptcy and it was discharge XX/XX/XXXX. I included both my first and second home mortgage loans. I moved out of the property. XX/XX/XXXX the mortgage company holding my first mortgage, XXXX offered me a Government refinance loan and I accepted the offer nothing was ever mentioned about or concerning the second mortgage note. I have made on time payments ever since. The Second Mortgage with Horizon Home Loans was never mentioned, I have never made any further payments to the second mortgage since my Bankruptcy XX/XX/XXXX. Fast forward to now, I am XXXX and live on a fixed income and in need of repairs to this home at XXXX XXXX XXXX, XXXX CA XXXX. My only option is to finance the repairs, however the second mortgage loan is still showing without reconveyance or quit deeded. I have made several attempts to contact First Horizon Home Loans without a single reply from. I have filed a BBB complaint with them without any response as well. My current mortgage loan company XXXX which now also owns First Horizon Home Loans has had no reply or help as well. It is like these mortgage companies do not want to discuss or fix this problem. I am at a loss as what to do next? Can you help? Many Thanks, XXXX XXXX
|
| 03/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
My elderly parents had numerous accounts through which they conducted banking. My mother managed all of these accounts. As her health failed, I began assisting in paying bills. My mother died suddenly, and my father knew nothing about online banking and my mother 's passwords were unknown. My father attempted to add me to his Capital Bank ( now XXXX XXXX ) account, but didn't know the security information and the nearest branch was hundreds of miles from his home. I attempted to have the required documents for adding me sent to my father, but they refused because he didn't know the answers to security questions that my mother had made and, again, told him he would have to drive 200 miles to XXXX to add me in person. With neither of us having access to the account, we had no way of knowing what bills my mother had paid through the account or the account balance. Unsurprisingly, my father had his home and auto insurance cancelled for non-payment and received a letter from First Horizon demanding {$430.00}, nearly all of which was overdraft fees. He is XXXX, has no internet access, and has trouble with financial transactions more complex than using a debit card. I live 500 miles from him and have arranged autopay for all his bills, but I believe that XXXX XXXX took advantage of my father.
|
| 12/21/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On the XXXX of XX/XX/2020 at about XXXX EST I made a zelle online money transfer of {$1500.00} transaction using my XXXX XXXX mobile banking App. The transaction was cancelled and my checking account was debited of {$1500.00} by XXXX and First Horizon Bank. I was given a transaction ID of XXXX for this transaction, the beneficiary account never received this fund and it showed that it was cancelled on the mobile banking app. I contacted the bank the next day and I was asked to open a XXXX dispute which I did right there in the bank and also called First Horizon Online banking services. They told me it will be resolved in 3 to 10 business days and my money will be refunded back to my checking account. Its been more than 10 business days since this transaction happened, I have contacted the bank twice since then and they told me they can not do anything about my money until XXXX refunds the money. They keep telling me to contact there online banking services and still no help in sight after contacting the online banking services of First Horizon bank. I contacted XXXX and they told me to go back to my bank as I did not carry out the transaction with a zelle app. First Horizon Bank still has not been able to do anything regarding this transaction after contacting them numerous times.
|
| 01/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
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On XX/XX/XXXX, I opened a new checking account with XXXX XXXX, and entered the promotional code XXXX when submitting the application, in order to receive {$200.00} bonus as advertised ( the ad will be attached below ).
The requirements to receive the {$200.00} bonus are, as quoted, " You must have an opening deposit of at least {$300.00}, and at least one direct deposit must post to your account within 60 days of account opening. Opening deposit can not be transferred from existing XXXX XXXX accounts. If you meet the stated requirements of this promotional offer, the {$200.00} bonus will be credited to your account within 6 weeks of the first direct deposit ''.
When opening this new account, I did make an initial deposit of {$300.00} from a non- XXXX XXXX source ; and starting XX/XX/XXXX, I have {$100.00} of my paycheck directly deposited into this account on a biweekly basis. I believe I have met all the requirements, but as of XX/XX/XXXX, which is over 6 weeks after my first direct deposit, I still did not see the bonus credit posted.
So I sent the bank a message for inquiry, and received their reply on XX/XX/XXXX. They denied that I have had a valid promotional code entered upon creation of the account. This is unacceptable so I decide to file this complaint.
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| 08/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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First Horizon Bank in XXXX Tennessee confiscated over {$1.00} XXXX of our XXXX XXXX XXXX ( XXXX ) funds without communication. ( XXXX is a XXXX XXXX XXXX XXXX serving XXXX Tennessee since XX/XX/XXXX). Months later we learned that XXXX XXXX falsely claimed our XXXX XXXX XXXX XXXX had not used PPP funds properly. After we proved that we used the PPP funds correctly, XXXX XXXX has failed to put our money back into the account and closed the account.
This amounts to bank fraud and negligence and has caused our XXXX XXXX to close while 36 employees and workers to lose their jobs all during the Covid pandemic. XXXX operates 4 locations XXXX XXXX XXXX XXXX XXXX. This illegal action by First Horizon Bank has caused a delay in XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This action by the XXXX XXXX has caused irreputable financial damage to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed the " know your customer rule '' and never looked in the other XXXX bank account " operating account '' where most of the activity occurred and where the payroll was made.
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| 04/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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XXXX XXXX, has been the individual in charge of handling my complaint against First Horizon Bank. XXXX XXXX has answered many of the questions presented and has cleared the air on whether there was a Paid-On-Death benefit for XXXX XXXX by sending copies of the Signature cards. Now, the only unanswered questions are : Where is a copy of the Court Appointed document the bank say they used to freeze my bank account and take money from it? And, where is the copy of the second, Power of Attorney? And, where is the stamped received date on the Death Certificate? You see the only way to get the correct answers about the dates in which the bank say they received those items is to have the bank submit their copies, as they did when they submitted the bank 's signature cards on the Paid-On-Death ( POD ). All of these records, the court-appointed order, the second Power of Attorney and the death certificate are public records. I already have a copy of the second, Power of Attorney and the death certificate, but none of the requested items have the bank 's stamped and received dates. These are the items that are being requested : 1 ) Court-Appointed Order 2 ) 2nd Power of Attorney 3 ) Death Certificate all with the bank 's received dates.
|
| 12/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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I was a customer with First Horizon Bank. I had XXXX funds in the amount of {$15000.00} that were deposited into my account XX/XX/XXXX, my account was placed on hold, {$15000.00} of those funds were then withdrawn internally the same day. I was asked to provide tax returns to show my business was mine and I did that. Was told there was no exact time frame on when I would here anything or the hold would be lifted from my account. After hearing nothing for a month, I called the bank only to find out that the remaining {$800.00} of the funds had been transferred from my account as well. I was told that all funds had been returned to the XXXX on XXXXOn XX/XX/XXXX, I received communication from XXXX because I had been working with them to have my funds re-issued to a new account. The agent stated that they had never received the funds and to request a letter from the bank stating that the funds were sent back. Called the bank the same day and they were very rude and then told me that my money had been transferred to their corporate security and never sent back to the XXXX and I would have to wait until the branch manager returns from vacation to get an update, mind you anytime I would call or go up there she was never there.
|
| 05/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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On Saturday XX/XX/XXXX I noticed that {$2500.00} was missing from my account. There was a withdrawal on XX/XX/XXXX of {$2500.00} but there was no additional information. I called First Tennessee customer service but could not get a hold of anyone as they were closed.
On Monday XX/XX/XXXX I called and spoke with XXXX. She informed me that someone had withdrew {$2500.00} from my account at the XXXX XXXX Branch. I told her that was unauthorized and that I have never even been to the XXXX XXXX location. She said they will begin an investigation and that I will have my money within 2 business days.
On Tuesday XX/XX/XXXX I received a call from XXXX asking that I go to my local branch to fill out paperwork regarding the investigation.
On Wednesday XX/XX/XXXX I went to my local branch to fill out the paperwork. I filled out an affidavit stating that I did not withdraw this money. The banker stated that the money was withdrawn from an unknown location, not the XXXX XXXX branch. She could not confirm which location the money was taken from, but confirmed it was NOT the XXXX XXXX branch. I asked for more information and she said it will take up to 30 days.
I am now short on the money and I need the bank to refund it.
|
| 12/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a home mortgage with First Horizon Bank. I received an Escrow Analysis from them dated XX/XX/XXXX informing me that I have an escrow shortage of {$7400.00} which would cause my monthly payment to increase effective XX/XX/XXXX. I promptly mailed them a check for the shortage amount plus an additional {$650.00} because I knew they would be paying for an additional insurance policy premium of that amount. They posted my check in the amount of {$8000.00} to my escrow account. In that I had fully funded the escrow shortage, I expected my monthly payment to remain the same.
However, on XX/XX/XXXX they took from my checking account the increased payment amount of {$3600.00} rather than the previous monthly amount of {$3100.00}. And they have continued to take from my checking account the increased amount of {$3600.00} each month thereafter.
I have called their customer service number of XXXX at least twice in XXXX and XXXX trying to get this matter resolved. I was told that this was their error and it would be corrected promptly. On each occasion they have failed to make good on their promise and they continue to take an additional {$550.00} from my bank account each month and place it in my escrow account.
|
| 10/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
My wife recently found out that an account was opened under her name at first Tennessee bank without permission. I felt concerned and went into my online banking to see if something similar happened with me. and i found out it actually did happen 2 years ago.
I went to First Tennessee Bank to open a personal loan on XXXX 2013. Apparently a checking account was opened same day. closed 60 days later. no statements were sent to my house. no debit card was ordered and the account was hidden from my online banking.
I found the statements alert on my email. online banking system is blocking me from viewing any additional account details because the account was closed.
I have been giving the bank business for 6 years now. they 've made money from me. and it is not honest from the bank 's end to use my info and take the liberty to open and close accounts for any reason.
at the moment i do n't even know the reason behind this action it could be anything from account opening bonus fraud to money laundering, whatever it is i feel like my info was jeopardized and i 'm entitled to know what the reason it was used for.
I know a few more people who had the same occurrence and similar complaints will follow.
|
| 02/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
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This mortgage company is sending me notices that they are about to foreclose on my house. They are telling me that I am behind XXXX payments. This is totally untrue. Please see Exhibits 1-4 I can not not make heads or tales of their mortgage statement In one place there is a deferred balance of {$10000.00} I do not know why that is the case.
That's almost XXXX months of payment. I paid XXXX months of reduced payments of XXXX for XXXX months. That does not add up to XXXX, XXXX XXXX part says the last payment they received was in XX/XX/2022 ( transaction activity ) Recent account history says I've paid through XX/XX/2022 Then Transaction history on the back is showing payments that is far too confusing I have paid them the full amount except for the 4 months that I was on a trial period and paid {$2100.00} They have me in loss mitigation and I do not know how to get out. I do not owe them the amount they say I owe and their Third party XXXX XXXX is the worse. I can not get them to give me an accounting for XXXX when they took over the mortgage. This has been a nightmare since First Horizon and XXXX took over. This should be a class action lawsuit since I know I can not be the only XXXX.
|
| 01/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
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After receiving a promotional code for opening a First Tennessee checking account, I opened an account with the code online on XX/XX/XXXX. The promotion code was XXXX and it stated that I would receive a {$200.00} bonus after " ... an opening deposit of at least {$100.00}, and at least one direct deposit must post to your account within 60 days of account opening. '' I opened the account with an initial {$300.00} deposit, and I had 2 direct deposits of {$500.00} each from my employer post within the given time frame on XX/XX/XXXX and XX/XX/XXXX. I am in a state targeted by this promotional code ( GA ), and I have never opened or attempted to open any account with First Tennessee before. Even though I met all of the requirements, I did not receive the advertised bonus. I sent a secure message on XX/XX/XXXX to First Tennessee in order to inquire as to why I had not received the bonus. I received a reply on XX/XX/XXXX that incorrectly stated that the offer I applied for " was not a valid offer for your area ''. The terms clearly state that the offer is valid for the following states : AR, GA, MS , NC, TN, or VA. I reside and opened the account in GA, so I in the targeted region.
|
| 07/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On today XX/XX/XXXX, I went to my bank to withdraw funds that were deposited from the SBA small business loan that I was approved for.
Everything was fine, the teller asked me how I wanted my bills, and while she was counting, the assistant branch manager, placed a hold on my funds at that very moment.
The assistant started asking me if I even had a business and that she needed to see proof of my business in order to release my funds.
I called customer service and they were not familiar with any policy requiring a customer to prove they have a business before withdrawing funds and that the assistant branch manager had just placed the hold on it when I was sitting waiting on the bills to be disbursed.
I was racially profiled and denied access to my funds and they will not release my funds until I show proof of my EIN and business license.
The bank didnt provide my loan and I dont feel comfortable providing my business information on a personal account.
This is unfair treatment and I am certain illegal practice.
The assistant manager refused to provide the branch managed phone number or any other phone number to allow me to dispute, escalate, or file a complaint.
|
| 05/07/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX I sent a XXXX payment of XXXX, cash payment XXXX final payment of XXXX. On XX/XX/XXXX XXXX to XXXX XXXX of XXXX. ga XXXXfor purchase of XXXX XXXX XXXX XXXX XXXXtotal of XXXXrecieved key and bill of sale ... .upon trying to register trailer I was told vin was not valid ..but because I knew his father Judge XXXX XXXX was magistrate Judge of county and XXXX was also in his personal property I contacted the recepients XXXX XXXX XXXXfather ..judge XXXX to help resolve tag and title issue.XXXX was call was called back by the the sherriff of this county and informed that XXXX XXXX had died and that the camper was not his but his Uncles..XXXX XXXX..I did not think it was appropriate at that time to address my XXXX loss..but did email sherriff and notify bank of issue ... i was informed to do a self help form with XXXX fraud by my bank first horizon.. I offered to support my claim with police report..bill of sale..etc..XXXX nor 1st horizon asked for any supporting XXXX a denial of claim because recepient had a stand alone XXXX app that was not attached to a bank ..and neither XXXX or 1st horizon had a platform to address claim..nor was transaction consumer XXXX
|
| 06/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
I have been a First Horizon ( formerly XXXX XXXX ) banking customer ( as XXXX XXXX ) in XXXX, TN since XXXX. I have remarried and moved out of state the last two years. This was no longer my primary account and I rarely examined it and trusted ( after XXXX years ) this bank. I discovered on a few occasions unauthorized transactions from XX/XX/XXXX - XX/XX/XXXX that totaled {$59000.00}. Primarily, from XXXX XXXX XXXX and XXXX XXXX ( I never had accounts with either ) and XXXX XXXX and XXXX XXXX XXXX ( which I do have accounts- but the withdrawals/transactions were duplicates and excessive and not ones I made and not to my accounts ( I have proof of that ). First Horizon states I did not report this in time and/or in the right way although I made them aware on several occasions yet they continued to allow these unauthorized transactions. Since reporting in XXXX XXXX XXXX, they said they couldn't help me, yet after many complaints, ~ {$25000.00} has been returned - recently - which proves that they have discovered these were not my transactions. I need First Horizon, which should have guaranteed my account, to make me whole and refund the remaining fraudulent charges.
|
| 02/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2022 and XX/XX/2022 I sent a formal request to First Horizon Bank for validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local NC laws regarding evidence that I have a contractual obligation to pay them the {$19000.00} auto loan that they are reporting to all XXXX credit bureaus under my social security number.
Both times I sent the request, I received a letter back stating that they can not verify my identity although I have provided them with my full name, address, and social security number. Instead of First Horizon Bank doing the proper due diligence to investigate their violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they are stalling and are not conducting a fair and proper investigation. Under the FCRA & FDPA if they can not validate the debt that they are reporting, they must request that all XXXX credit bureaus delete the entry. By failing to do so, they are in violation of the FCRA & the FDPA.
I have attached a copy of the listing on my credit report, and can provide a copy of the letters that I have sent them upon request.
|
| 09/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American |
|
The subject property of my mortgage was affected by XXXX XXXX last year. As a result of my having to hire lawyers to fight my flood insurance carrier to make them pay what was due to me, they cancelled my policy. I filed a complaint with the State of FL, and by the time they got around to working with the claim ( and finding they were not doing anything to fix it ), I had no choice but to apply for a new policy. The new company 's policy is to start new insurance a month after the lapse of the old, so there is a gap in my flood coverage. However, we are now past that gap, with no claims activity or issues, so I have flood insurance in place meeting the mortgage company 's requirements. Flood insurance did not pay me more than the premiums I paid for it after this Category XXXX hurricane and XXXX XXXX storm surge, which probably won't happen again in my lifetime, so requiring flood insurance is abusive by my mortgage company in the first place, but now, since there was a gap that affects them not one bit since we're past the date that would have been a problem, they're trying to extort an abusive amount of money from me to cover the month that has already passed!
|
| 09/23/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
Servicemember |
|
On XX/XX/2014 my signature was used to generate a tendered, refused & discharged financial transaction via PROMISSORY NOTE as cash proceeds towards the purchase of real property XXXX XXXX XXXX XXXX XXXX Arkansas XXXX, however instead of the PROMISSORY NOTE being applied to the originator of the loan, the originator payed it forward to XXXX XXXX. Foreclosure is fraud because the MBS can not be registered to perfect a secured claim as collateral. ARTICLE 8 UCC.. The MBS, if registered, would prove lender fraud. Im requesting a TILA REGULATION Z, 1099OID & OMB_FR2046,2049 & 2099 from lender and parties allonged to the DTC doing business as CEDE & CO. If the entities wanted to do right by the American borrower & those Citizens abroad then those Lenders/Bankers could have shared from derivatives yielding from the MBS & PROMISSORY NOTES.
THIS IS FRAUD, FRAUD, FRAUD!!!!!!
Under ARTICLE 9 UCC, the MBS is defined, but NEVER EVER DO YOU FIND A REGISTRAR REFLECTING A SECURED CLAIM AGAINST A MORTGAGE BACKED SECURITY. Tell those FEDERAL RESEVE BOARD OF GOVERNORS TO TURN GREEN & COME CLEAN OR DECOLONIZE NOW, NOT TOMORROW, NOT A MONTH FROM NOW, RIGHT NOW TODAY! Ty please..
|
| 04/12/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Back in XXXX XXXX I lost my job due to the economic turn-down. I was unemployed for six months during this time and did not have the ability to pay my rent. During this time I applied for a mortgage modification ( please bear in mind I bought my house in XXXX of XXXX and was financed through First Horizon XXXX XXXX at an interest rate of 7 % ). In XXXX XXXX I was employed XXXX, XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX two things occurred, 1 ) I was approved for the loan modification and 2 ) I was XXXX to XXXX. By the time I returned my loan was sold to XXXX Mortgage. I just learned from XXXX XXXX Mortgage that my mortgage was reset forward to XXXX. In other words it appears that I have only had my home for six years when in fact I 've had it for 15 years. First Horizon took my money, nine years of it, approximately {$120000.00}. I want the credit for all 15 years that I 've been paying mortgage. How gives an entity almost {$120000.00} just for the XXXX of it? It is n't fair and I need some assistance with getting it. Also, this is a VA Home as I am a XXXX XXXX Veteran.
All that you can do to help me would be greatly appreciated.
Thank you.
XXXX XXXX XXXX
|
| 11/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On X/X/2017 I opened an XXXX checking through their website using the link provided on their site displaying a promotion for opening a new account. The promotion was for a {$300.00} bonus after opening a new account with an opening deposit of {$300.00} and two direct deposits of {$100.00} in 60 days. This promotion is STILL being offered on their site ( with different terms ). I met all requirements and they refuse to give me my bonus. I 've contacted them several times. The first time they responded saying the bonus was on my account and I would get after meeting requirements. The second time they said I applied after the expiration date??? which is NOT true. Now, after a third time they tell me the reason i 'm not getting it is because I needed to have a direct mailer which is also NOT true. I had a friend do this without a mailer and they got the bonus. The offer does not state you have to have a mailer. It says bring a mailer in OR apply online using code XXXX, which is what I did. Everytime I get a different excuse! The offer was on my account, their agent said so! I 'm in middle TN so I 'm in the target area too. Stop giving me the run around, please.
|
| 06/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2021 my payment went from XXXX to XXXX. I have contacted my Mortgage Company twice a month since then which includes XXXX Payment, XXXX Payment and XXXX Payment. My loan was transferred from IberbiaBank Mortgage to First Horizon Bank Mortgage. The issue is my Escrow more specifically Taxes and Insurances. My insurance hasn't changed and my taxes has went down being that I applied homestead. My yearly taxes are XXXX a year or XXXX a month and my insurance is XXXX per year or XXXX per month. This monthly should total XXXX going into Escrow. This doesn't include PMI however. My escrow in XXXX was XXXX and in XXXX it went to XXXX. Thats a difference in XXXX that they are charging me for. I have attempted 8 different times to work with them. I have talked to 3 different Supervisors and 5 different customer service representatives. Every month I get the same answer ... '' We will submit an escrow analysis '' and every month the payment still hasn't changed. The most recent conversation was they promised XXXX payment would reflect the updated payment and it still hasn't. I NEED HELP. This is negligence and should be considered serious.
|
| 10/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I live in XXXX XXXX, NC and recently suffered significant damage to our home from Hurricane Florence. We are working on a claim with our insurance company and just received our first check for restoration. In that we have a mortgage, the insurance company check is made payable to my wife and I along with the mortgage company. I have contacted the mortgage servicing company 's " loss draft department '', and have tried all week to talk with a person about my situation and circumstances. Despite repeated requests, I can not get a return phone call from a supervisor. I want sent instructions and forms, but they do not apply to my situation. The procedure described in the forms are for individuals who are trying to get the insurance check cashed to pay for the restoration. I'm different, in that I've already had work done and paid for the work out of pocket, and I'm presently out of pocket approximately $ 50K. I need to be repaid personally. I can not establish contact with the mortgage servicing company and I have not been provided any forms which address my situation and circumstances whereby I have already paid for the restoration work.
|
| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have previously had a commercial bank loan with XXXX XXXX XXXX ( now defunct ) which was merged into First Horizons Bank. The loan was paid in full on XX/XX/XXXX. I have been unsuccessful in multiple attempts to get First Horizons Bank to remove their lien from my properties despite their assurance that I have fully satisfied the conditions of the loan. First Horizons Bank 's failure to file a " Cancel of Judgement '' has jeopardized real estate transactions in process.
First Horizons Bank representatives have acknowledged that there is no outstanding balance due on this account and has promised on several occasions to file the " Cancellation of Judgement '' with the appropriate court. I faxed all requested information to First Horizon Bank twice ( XX/XX/XXXX and again on XX/XX/XXXX XXXX including a previous letter from XXXX XXXX XXXX stating that the account was " paid in full. '' I was informed that all necessary information has been received and that the " Cancel of Judgement '' would be filed in XXXX County, NC court within three business days of the receipt of documents. This has not been done as of today.
|
| 07/23/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
On XX/XX/2020 XXXXXXXX transferred all of my funds ( Checking & Savings ) to First Horizon Bank as part of a merge. Closures done without my knowledge & consent. After discovering my emptied accounts. I contacted XXXX XXXX gave me a phone number to First Horizon. After an hour on hold I was directed to the web site to access my new accounts. I was not provided with checks & still waiting for checks. Unable to pay bills.
I live in XXXX XXXX. First Horizon does not nor are they going to open a physical location in the XXXX XXXX XXXX. I have been informed that all new physical First Horizon expansion 's are in the NC & Va.
Today ( XX/XX/2020 ) I tried to transfer my Saving 's Account monies to new bank. The online cutomer portal would not allow me to access my new bank & account. Again, telephoned Customer Service. On the third attempt ( placed back into general que once, & disconnected from the system once ) I was then told it was impossible to telephone wire from account to account & that I would have to come in to a physical branch. The closest First Horizon Branch is 2.5-3 hour drive from my primary residence.
|
| 12/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have a checking account with First Horizon Bank. On XX/XX/2020, {$300.00} was fraudulently withdrawn from account using the debit card. I called, on XX/XX/XXXX, the bank 's customer service to report fraud. They identified the transaction as being fraud. The representative mentioned about receiving an internal email that this company was posting fraud transactions to multiple customer accounts. I was assured a credit would be posted to account. I checked On XX/XX/XXXX and the credit not posted. I called the bank again. The representative said an email was received on Wednesday that all credits should applied. I asked why the credit was not posted and was told they were in process. I asked to speak to a manager, but the representative refused to transfer to manager. After asking to have the call escalated for more information, the rep refused to transfer the call. I asked 3 additional times, then the rep took y phone number and mentioned a manager will call with in 24 hours. I have never received a call. I checked the account balance XX/XX/XXXX, and the credit for the fraudulent transaction still has not posted.
|
| 12/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I had a checking and Savings account with First Horizon bank that I wanted to close. I went to their XXXX XXXX branch today XX/XX/2020 at approx XXXX XXXX and was told by the teller to speak to XXXX the lady who was sitting at a desk. I explained why I wanted to close and she verified my Drivers License, then she got up and said I will be back and just left. I waited for over 15 minutes and no one came back so I went to the teller and said I needed to leave as I had another appointment as the lady was not around. She too just said " Fine I will tell her you left when she comes back ''. I cane back home and then called the toll free number and got a gentleman to close the accounts and will hopefully get a check in 7-10 days. When I asked about the process of filing a report or complaint about the treatment at the branch he said I would have to go back to the branch and make a complaint. I asked what if that lady was the manager and he said the only option is to complain about her to her. That is the most ridiculous thing I have ever heard. I am appalled at the lack of any service at branch or telephone.
|
| 06/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have reached out once before due to First Horizon having a hold on my funds. My account still has a hold. After my first complaint they finally decided to reach out and send a letter by mail. Nothing has yet to be done. They stated they are waiting on response from lender. Weeks have passed. It has been well over a month and a half. Why accept the money in the first place? They find people they feel are gullible and try to run circles around them. This money has been disbursed to my personal account. On behalf of Sba I am legally responsible. I have an fiduciary obligation to pay this money back. I had to have qualified to get the funds. I go through the process of getting approved and the banks of course are up to their usual schemes and politics as far as keeping my money as long as they could possibly hold it earning interest. This is very disturbing. We have to continue to educate and arm ourselves with knowledge and be up to par when it comes to these issues. I should have never left the bank without my money in the first place. I will be filing several more complaints. How dare you.
|
| 12/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
On XX/XX/XXXX received a phone call from XXXX XXXX ( First Horizon Bank- XXXX, stating she was placing a temporary hold on XXXX XXXX banking account.
On XX/XX/XXXX XXXX XXXX gave authorization to XXXX XXXX and XXXX XXXX XXXX of Attorney. All paperwork has been notarized and and registered with XXXX XXXX offices.
On XX/XX/XXXX told by XXXX XXXX that a letter from the doctors office would need to be submitted which was submitted on XX/XX/XXXX.
XX/XX/XXXX told by XXXX XXXX that we would need to get an attorney because she and First Horizon Bank determined XXXX XXXX was not in her right frame of mind when she gave a the above power of attorney. Due to XXXX XXXX and First Horizon not allowing us to make decisions on the account XXXX XXXX has been scammed approximately {$15000.00}.
The bank is a financial institution and not medical and should not be able to make decisions of ones mental status. XXXX XXXX informed us that we will need to get an attorney. However in the mean time the bank account is still open and risk the possibility of more money will be taken out of her account.
|
| 04/11/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened an account with a bank in my home state so that my family and I could easily exchange funds while I am XXXX out-of-state. Since I receive my mail at my XXXX address for several months out of the year ( and since I was going back to XXXX shortly after the account opening ), I listed my out-of-state XXXX address on the account application. Despite this mailing address, I am STILL a resident of my home state, and I have an ID from my home state. This information was documented on my account application.
I was hoping to receive a new account sign-up bonus from this bank, which stated that only residents of X states ( including my home state, but not including my XXXX state ) were eligible for the sign-up bonus. Since I am a resident of my home state, I am eligible for this bonus. I completed all other requirements of the new account bonus promotion, but the bank refused to give me the sign-up bonus, saying that I am ineligible because I used my XXXX mailing address on the account. I want this bank to be penalized for their deceptive marketing and unfair customer service.
|
| 10/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Servicemember |
|
I have two issues. I wasnt sure which on to pick. I am the co-signer of a siblings car as of XX/XX/2016. We with through a car lot XXXX XXXX or XXXX XXXX in XXXX NC.
The lender is XXXX XXXX who has sold 3 times and now loan is under First Tennessee Bank 1st thing I was misled. They ensured me that I would be dropped from the car loan after six months. They even read a part of the paperwork in a misleading way as though it wouldnt matter about her payment history which I have consulted with credit advisors and they were lying to get the sale they lied about the process of being dropped off the loan just to get the sale. They are located on XXXX in XXXX # XXXX I reached out to the creditors with a good will letter over 3-5 different letters and emails trying to explain why my sister would have been late on payments. She deals with bipolar and sometimes everyday life becomes a task where it affects her work and she may lose employment. The letters go to no avail no one either reaches out to me or contacts me back or they email with hopes of getting back to me and never do.
|
| 01/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
Around early XXXX of XXXX I submitted a life insurance claim to my deceased husbands life insurance company XXXX. I found out that the policy had a assignment on it from XXXX XXXX Bank in XXXX NC for a loan that originated around XXXX. Although XXXX XXXX Bank became XXXX XXXX Bank and Later First Horizon Bank they can find no record of this loan and I have courier paperwork from XXXX XXXX XXXX to First Horizon many times trying to get a release of assignment. With no communication to me the wife and beneficiary when the release of assignment will be forth coming. So I had my attorney to contact the Bank to try and get a answer on XX/XX/XXXX and he was told the bank had completed the paper work for the release of assignment to the insurance company XXXX. As of today XX/XX/XXXX XXXX still has not received the release of assignment from First Horizon bank nor has First Horizon actually said that they mailed the release of assignment to XXXX or communicated with me that they have and they still handle my late husbands business account which at this point I am rethinking.
|
| 08/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
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I was hired by a company to online I work for them for about 2 weeks. During that time I was sent 3 mobile deposits to my account {$950.00}, {$1000.00}, and {$1000.00}. I have messages from the person I thought was my boss " XXXX XXXX ''. The first two checks came from XXXX Bank, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The last check came from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX claimed they were affiliates of our company. He told me that I needed to send out payment and gift cards to cover computer programs, desk, chair, printer etc ... I did what he said because it wasn't my money. I only sent the money out because the money cleared in my account. I found it strange that these out of state checks cleared my account after only 2 days ( I wasn't protected by my bank at all!!! ) These checks came back fraudulent after 1 week. Now the bank wants me to pay it back to them when they are the reason I am in this mess. I have since spoken to other banks that will not just put money in my account without making absolutely sure that it is not fraudulent!
|
| 10/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a credit card with First Tennessee bank XX/XX/XXXX. received the card about 4 weeks later. when i went into my online banking to add the credit card to my screen, I found out that besides my checking account from XX/XX/XXXX, and the new credit card. i have a third account that has been hidden. it was a checking account that was opened without my permission. I called customer service and the agent on the phone said i opened the account same day the credit card was opened. the agent just offered to close the account with no explanation why the account was opened in the first place. i sent an email requesting explanation and they replied 4 days later saying basically the phone agent took care of closing the account and again without explaining what happened.
this was engineered in a way for me to never find out about it. it was hidden from my online banking. no debit card was sent to me.
I checked with my husband and other relatives who ban with First Tennessee. and after digging deeper found similar situations. separate CFBP complaints will follow.
|
| 08/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
I bought a car in XX/XX/XXXX and was financed by Capitol Bank. Capital Bank sold the loan to XXXX XXXX XXXX in XX/XX/XXXX. They deferred my payments for 2 months and stopped reporting to the credit bureau. Capitol Bank never reported selling the loan to XXXX XXXX XXXX to the 3 reporting agencies. My car loan just disappeared from all 3 reporting agencies. I found out in XXXX of XXXX when I purchased a vehicle for my daughter and got hit with a high interest rate because my vehicle was not showing on my report. So the company says that the are manually putting in not only my payments bother other customer accounts that they purchased and will be doing bulk reporting. So they have not been reporting for over a year and since I brought it to their attention in XX/XX/XXXX they still have not fixed the problem. They said they do not know when it will be finished and as soon as it's done they will report all payments. In the meantime they sent me a transaction sheet in XX/XX/XXXX. I requested another on in XX/XX/XXXX and never got it.
|
| 07/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
In late XXXX I signed up for a checking account with First Tennessee with a promised bonus. I fulfilled the requirements and waited the required time frame for the bonus to post. When the bonus did n't post I messaged them and they said the offer did n't apply to my state. I asked for a link to prove that it did n't, because I did n't see it at opening - and I read fine print. I was given a different number to call and when I called it I was told there is a bonus code attached and he would check the landing page. Than I was told it was expired when I opened the account, than I was told it did n't apply to my state. When I asked for a link/landing page I was told that there is n't one and the customer service rep remembered this bonus code from 5 months previous and it did n't apply to my state. He said customers usually have their own proof for the bonuses. I think this is very dishonest since a large number of First TN bonuses DO apply to my state, I did review the fine print, and they have no record of their own offers.
|
| 10/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XXXXXXXX XXXX claim #.
Totaling almost {$30000.00}.
XX/XX/XXXX {$5100.00} XX/XX/XXXX {$7500.00} XX/XX/XXXX {$4900.00} XX/XX/XXXX {$4900.00} XX/XX/XXXX {$6000.00} XXXX Is selling to XXXX XXXX.
XXXX fraudulent checks cleared my First Horizon Bank account. They were deposited online at XXXX XXXX. I filled in the Affadavits at XXXX and filed the police report with XXXX police dept as requested. I was advised by XXXX money would be returned in a week. It has been over 90 days since this occurred and XXXX claims XXXXXXXX XXXX has to repay the money. I did not sign an account agreement with these terms. Nor was I made aware of these terms. I can not find any laws supporting XXXX or XXXX policy.
They are both allowing mobile deposits and have no safeguards. Duplicate check numbers cleared the account. They cleared same check numbers twice? They will not repay consumer losses to the systems they preside over. Our money is not protected by or safe in our banks. It is an atrociously flawed system where the consumer loses.
|
| 04/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I was informed in a bank email dated XX/XX/XXXX ( attached ), that proof of cash to close was necessary 30 days prior to closing. I informed the bank, in my letter dated XX/XX/XXXX ( attached ), I would provide proof of cash to close 30 days prior to closing and authorized them to proceed with an appraisal. Three weeks later on XX/XX/XXXX ( attached ), three months prior to the closing date of XX/XX/XXXX, the bank informed me I had ten days to prove proof of cash available for closing. If I could have complied with the 10-day notice, it would have cost me extra thousands of dollars I otherwise would have not incurred. Due to the extremely short notice, I requested flexibility in my email dated XX/XX/XXXX ( attached ), and heard nothing from the bank. On XX/XX/XXXX ( attached ), I requested the bank to review my letter of XX/XX/XXXX, cancel the application, and do not charge me for the appraisal. On XX/XX/XXXX the bank refused to refund the cost of the appraisal. The bank was uncooperative, arrogant, and wrong.
|
| 11/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened an Express checking account with XXXX XXXX XXXX ( they've since changed their name to First Horizon bank ) with XXXX XXXX at the XXXX XXXX XXXX XXXX branch in XXXX Tennessee on XX/XX/2019. While opening this account, I signed up for a promotional offer of {$200.00}. I've attached the certificate of that offer. I gave this to XXXX XXXX when she was opening the account and she confirmed applying it to my account. The offer required me to open the account with {$50.00} and set up and receive a direct deposit within 60 days of opening the account. I opened the account with {$50.00} and got a direct deposit of {$1000.00} from my employer XXXX XXXX University on XX/XX/2019. The terms of the offer were that the {$200.00} will be paid within 6 weeks of the direct deposit. I never got this money, and calls to their customer service number of the bank branch where I opened the account didn't help at all. They told me they can't see the promo attached to my account and I couldn't contact XXXX XXXX at all.
|
| 09/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I received a grant from the XXXX on XX/XX/XXXX. The grant was for XXXX. The bank released XXXX but held the XXXX stating that I needed to prove my eligibility. I sent in the information and was told it was enough and that corporate security was placing the funds on hold. I went into the bank and sat down with XXXX explained my issue and withdrew the funds that I had available and asked that they sent the remaining funds back to the XXXX. Three months later I called and was told that the funds were returned to the XXXX. Called the XXXX and they have yet to receive them. Called back months later and got the same answer. Filed a complaint with the XXXX in XXXX of XXXX nothing was done. Continued to call the bank and they gave the same answer until XXXX of this year I was told that the fund was still on hold and that they were waiting for guidance from the XXXX to release the funds and I should receive a letter said XXXX the bank 's manager. It is now XXXX and I still haven't received a letter or my money.
|
| 03/17/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My bank is withholding funds equal to an amount of altered check. I notified the bank of the altered amount on the day it cleared my account ( XX/XX/2017 ) in accordance with U.C.C. Article 4-406. The bank has told me that the funds are not available to me due to Breach of Warranty but can not tell me what warranty I have breached. The bank will also not give me a date on when the funds will be available to me, and will not even guarantee that I will get the funds back at all. The bank should not have honored the check for more than the legal ( long-hand ) amount and because it was not endorsed by the payee. I believe the bank is in violation of U.C.C. Article 4. I do not see anywhere in Article 4 ( or ECCHO rule 9 ) that gives the bank the authority to withhold, and certainly not, to refuse indefinitely access to my funds since I provided timely notification and the check should not have been honored in the first place. It is unfair that the bank has use of my funds to compensate them for their error.
|
| 07/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I called the bank to close my account in XXXX of XXXX ( I do not have the date on me now, but I can access it via phone records ) while the balance was {$0.00}. I found later that they never closed the account, and assessed fees for inactivity. I assumed it was an honest mistake. I called again on the XXXX of XXXX , I asked that the fees be refunded and that the account be closed as it should have several months prior. The fees were refunded, but the account was n't closed as I was told it was. I have email proof of the refund on that date ... BUT. On the XXXX of XXXX , I received another notice that the account was assessed fees for no activity in the account. It appears for a second time that I was told over the phone my account was closed, and they ended up not closing it. This appears to me to be a deceptive practice in order to try to assess fees for account inactivity, when I have tried now multiple times to close the account when the balance was initially at {$0.00}.
|
| 10/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American |
|
This company still insists, even after a complaint, on making me pay for a month 's worth of insurance from XXXX of 2023, even though I have insurance in full force now and there were no claim events in the month of XXXX. I was physically unable to get flood insurance due to the changes brought about by XXXX XXXX. I was cancelled by my old flood insurance because I filed a claim they did not pay, and the new insurance company required a 30 day period between my old policy expiring and theirs taking effect. I have performed responsibly and done all I can do, yet First Horizon insists I still have to pay them for flood insurance to cover a month already in the past. This is outrageous, and I will take them to small claims court if I have to. There are special circumstances in the state of FL that precluded me from having continuous flood coverage, but there is no harm and no foul due to the lapse as my flood coverage is fully in force now. I will not pay their extortion for this insurance.
|
| 08/20/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I apply for a small business loan through the SBA of {$19000.00} and got approve and the money went to my personal account on the XX/XX/XXXX instead of my business account that was a error on my end for submitting the wrong account number so the money went to my personal account and I got a call from XXXX from XXXX stating she was gon na send the money back to SBA so I contacted SBA letting know I gave them the wrong account number and they said once they got the money back from XXXX XX/XX/XXXX they would put my application in the revise status and make the corrections however my money has still been sitting at XXXX because XXXX decided that she want to report to the fraud department, Secrect service, the police, and Gods know who else like I am a criminal and have commented fraud because she assumed just because I don't have a business account with that bank I don't have a business, she assumed wrong and took matter into her own hands as if the XXXX XX/XX/XXXX gave me a loan.
|
| 01/25/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I am submitting this complaint on behalf of my step father. His concern is in regards to the credit decision as well as problems paying this loan. He is unable to adequately read such documents that were presented to him and he did n't clearly understand all the terms or conditions that applied. But mostly, after reviewing this type of loan ( HELOC ) that was presented to him, I strongly feel that his level of education, limited income, age, as well as all the time and all the sacrifices he will have to make in the time allowed to satisfy the loan terms, maintain his home so that he may comfortably live out his days without leaving a burden upon his wife, kids, or grandchildren did not get taken into consideration. Either overlooked. Now that he is unable to pay such a variable rate loan, foreclosure is being presented. Which leads me to question the decision of this loan. Also Now that he is unable to pay such a variable rate loan, he is faced with the fear of foreclosure.
|
| 12/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Since XXXX XXXX XXXX, I have been submitting documentation to XXXX XXXX XXXX in regards to alternatives to avoid foreclosure. I have provided all the documentation requested and have continued to follow up and do all diligence on my end. On XXXX XXXX XXXX, a copy of the fully executed divorce decree was sent over, which was the final information they were requesting. I am now being told by the lender that they can not and will not review me for any options because the sale is too close! The sale is scheduled for XXXX XXXX XXXX which is more than a month away and they are unwilling to help me or even provide me other options other than they are proceeding with the sale. I have a quitclaim and a divorce decree evidencing this is also my debt. My name is on the Deed of Trust, and I am a co-signer and have rights under the Deed of Trust but am being totally neglected. This is the only thing I have left and I feel all my rights are being violated and dismissed.
|
| 08/06/2021 |
Yes |
|
|
|
Web |
|
|
The mortgage company is First Horizon.
On two different occasions, I needed to do a loan modification due to financial difficulties. HUD was to receive partial payments. On XX/XX/XXXX I have proof that {$5800.00} was paid to HUD via electronic transfer and on XX/XX/XXXX a settlement for {$18000.00} was paid to HUD via electronic transfer. However, according to HUD, they know that I paid however, First Horizon never actually deposited the money. They stated that I was an oversight at First Horizon.
I have made many attempts to resolve this with First Horizon since XX/XX/XXXX. They have promised to send me E-files, faxes and a letter via XXXX from customer service, but none of these items have arrived. They do have documentation however, now one can tell me where the actual money went.
I have since sold the home and it is paid off however, the above amounts have been held by the title company until this is resolved.
I need assistance in this matter.
|
| 05/27/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
While currently trying to refinance my home, it was brought to my attention that First Horizon Loans has a lien on my home for a HELOC that dates back to XXXX of XXXX. For weeks, I have been trying to have First Horizon discharge this lien but to no avail. I have contacted First Horizon and have been told they closed this loan in XXXX and that I still have a balance of {$23000.00}.
I have never received any notice from First Horizon regarding this. I have no records of monthly bills and this is not showing on my credit report. I have asked First Horizon to send me proof of when I received this money and how it was disbursed to me but am being told they have no record of this.
If I owe this money, I will pay it, but not before they prove to me how and when I received this money. I am writing to ask you for help with this matter. Would you please have First Horizon show proof of or file a discharge for this debt so I can move on with my life.
|
| 10/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I 've recently learned from XXXX that my credit report was compromised. All of my former employers have been deleted from my history. Someone address was listed on my report in Michigan.
I 've never visited there, lived there, nor do I have family there to my knowledge. I need all of my supporting documentation from my account numbers ending with XXXX and any other accounts opened using my social security number.
I was told my mail was returned to your bank, I need that I formation for tax purposes, with XXXX.
Your last letter I received stated a check was received by your bank in the name XXXX XXXX. That is incorrect. XXXX XXXX XXXX never knew my maiden name, because I never used it with them.
XXXX XXXX XXXX XXXX XXXX my former employer did n't know my maiden name, until I was under investigation by the FBI. They did n't know to use XXXX.
You stated you are able to access my transactions from XXXX through XXXX. I need my information.
|
| 01/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XXXX automatic withdrawal requested in writing to be stopped after balance paid in full. Bank continued to withdraw the amount XXXX months in a row and even reopened the checking account after I had closed it. Each time it took several days for the funds to be returned to me rather than immediately assuming responsibility & letting their own accounts go without funds. They caused the account to overdraw & charged me XXXX overdraft fees. They did correct this error. I made XXXX different trips to the bank & they still did not do as I asked. Branch Mgr XXXX XXXX completely incompetent, had to call multiple people & still took XXXX months to stop the withdrawal. I asked for feedback from Risk Management Director XXXX XXXX. XXXX told me that she had turned my request to her supervisor XXXX XXXX and a letter detailing the events was being sent on XX/XX/XXXX. To date ( XX/XX/XXXX ) I have received no feedback from anyone at First Horizon Bank.
|
| 11/01/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/22 I entered the bank at XXXX XXXX XXXX, XXXX, TN XXXX to deposit {$5000.00} in cash that I had withdrawn from my personal account at XXXX XXXX XXXX. I ensured that I had the receipt b/c on several other occasions First Horizon has refused to take a deposit from my husband for a dividend check from his mom of {$21.00}. Interestingly, my husband has been a client for this bank for over 40 years and his mom for over 60 years as well my husband has approx. $ XXXX so what is the risk. Today, however I attempted to deposit $ XXXX cash into a joint savings account with my husband and was asked for my SSN and where I worked. I did not throw a fit mostly b/c the teller was just doing her job but this bank seems to go over and beyond what would be considered legal. I am concerned that these decisions are racially motivated except for the fact that some of these policies are being enforced by people of XXXX. Enough with this bank!!!
|
| 06/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX my wifes account ( XXXX XXXX XXXX ) was debited {$170.00} from a check that was issued originally in XXXX of XXXX. The check was a part of a deposit to XXXX XXXX ( our business ) in the amount of {$740.00}. A computer glitch as I have been told occurred effecting many of First Horizon costumers. The next day XX/XX/XXXX they corrected their error and took the funds from XXXX XXXX. However, they have failed to refund the money removed from my wife account ( as of today XX/XX/XXXX ) and others that was effected by FH. I have tried many times to get FH to correct their mistake, they have not. The answers I get is for us to contact our other bank XXXX XXXX and have them request a correction be made on her account. They have also said that I should not worry about these other people unless they contact me first. Only one person has gotten their money returned to them. This not a very good business practice in my opinion.
|
| 09/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX, an outgoing envelope with check enclosed was stolen from my residential mailbox. The enclosed check # XXXX ( for {$140.00} ) was altered ( quite poorly ) as to payee, date, and amount. The amount was changed to {$8000.00} and was charged to my account # XXXX on XX/XX/XXXX. The theft was discovered on XX/XX/XXXX and immediately reported to the bank, First Horizon Bank ( FHB ) and the XXXX Police Dept ( police report # XXXX ). FHB has been unable or unwilling to reveal the bank or branch where the check was cashed. ALSO, the thief had to know the account balance from FHB in order to leave less than a XXXX dollars in the account. All information and forms requested by FHB were provided on XXXX. It has now been 77 days since the {$8000.00} was removed from the account. I have repeatedly requested of FHB to return the funds with NO response from the bank. I respectfully request your assistance. Thank you. XXXX XXXX.
|
| 08/27/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I had 4 CDs with First Horizon in XXXX, TN ( Formerly XXXX XXXX ) years ago. I was cleaning out an old file on the CDs I had and found paperwork on the 4 CDs. I called and spoke with XXXX initially on XX/XX/21 to look into what happened to the proceeds of the CDs. She was able to find out the info on 3 of the 4 and said she would get back with me on the fourth CD. She did not call me back so I called again XX/XX/21 and she said she would email that department and get back with me. Again, no call back so I called and spoke with XXXX on XX/XX/21, he said she was off and would have her call me the next day. Again, no call back. All I wanted was documentation on what happened to the proceeds of the last CD. She told me the other 3 were closed but I no longer trust that information verbally and now l would like documentation on the other 3 CDs. Please contact me for the account numbers on all 4 of the CDs. Thank you,.
|
| 12/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I am so upset and frustrated with this bank that I made a deposit at a bank teller in Louisiana, and when I put the money in, the teller told me that he could not make my transaction but he could not refund the money either and he printed a receipt that said to take him to the bank, and now they see me with a fool face there, everyone inside the bank as if I were lying about it, they make me wait they say 3 weeks or what do I know how long for my money to be available and in the meantime they charged me and they charge overdraft fees, it's stupid what they do to me, I actually have the receipt from the cashier with time and amount and they can't put my cash in my account, what's wrong with them, now I'm super overdrawn because of so much charge they make me, it's Unbelievable indeed, I am a student and I depend on little money for my needs, in truth what a bad service they have in this Bank, sorry to be with you.
|
| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Im 2003 my grandfather XXXX XXXX address XXXX XXXX XXXX XXXX, LA XXXX financier a 2003 XXXX XXXX VIN XXXX. He financed it with Iberia Bank which has changed names to XXXX XXXX then again to First Horizons which is the name its under currently. I went into the bank the first of XXXX and again in XXXX asking for a Loan Satisfaction letter. I was told they word send it to the DMV to check with the DMV in three weeks. I have checked several times and the Lien has not been removed. My grandfather passed away 12 years ago the truck has been on my property since that time. The bank either needs to clear this leon or they can pay me storage for the 12 years it has sat here. This is ridiculous they know the loan was paid if not they would have repossessed it. The bank didnt have to wait for their money they should have cleared it once they were paid.
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, LA XXXX
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| 08/26/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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Web |
Servicemember |
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I received the below email regarding needing a XXXX for 5 weeks. I've received the payment to book the service in addition to funds for transportation while in the city. I took the {$4200.00} check to my bank representative XX/XX/XXXX XXXX on XXXX XXXX XXXX, TN XXXX and was asked verified the account with thier XXXX XXXX XXXX XXXX XXXX XXXX prior to depositing. She didn't call me and so I called the bank on XX/XX/XXXX confirmed all was correct. I advise the client service was confirmed with {$640.00} deposit and advise on the remainder deposit for the chauffeur service. The next day I was asked to XXXX the chauffeur deposit {$3200.00}. I received another call and text that they will need to cancel, keep the nonrefundable deposit and XXXX the remainder balance. My account was debited for {$3200.00} through XXXX XX/XX/XXXX. On XX/XX/XXXX I received a cash back of {$4200.00} and {$16.00} service fee.
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| 12/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This dispute is in reference to inaccurate reporting of a late payment on a closed auto loan with Iberia Bank on my credit report.
I purchased a vehicle with XXXX XXXX XXXX on XX/XX/XXXX and traded in a XXXX XXXX XXXX XXXX : XXXX. There were several issues on the dealerships part with funding the new vehicle therefore, the final auto loan payoff to Iberia Bank was not submitted in a timely manner by the dealership.
This in no way was my fault and prior to this incident I had never had a late payment on this loan. XXXX XXXX XXXX takes responsibility for paying off the XXXX XXXX XXXX late. ( See attached letter ) XXXX XXXX XXXX in a letter to Iberia Bank sent on XX/XX/XXXX detailed this issue and asked for any derogatory credit to be removed in reference the paid off an auto loan with Iberia Bank.
If you have any further questions regarding this matter you may contact XXXX XXXX XXXX at XXXX.
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| 10/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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My husband passed away in XXXX of this year. I went into the XXXX, Tennessee branch with my ID, his death certificate, our marriage certificate, and my birth certificate to prove my identity. I told them he had passed away and needed to close the account. They advised me that since I was not listed on the account, this request could not be processed, and they placed a block on his account. They have since depleted his checking account balance by charging monthly fees. This is their way of stealing the little money he had left. It should be illegal for them to do this. I went to the bank two times before this and changed his debit card and PIN. They never even ID me or blinked an eye that I wasn't on the account. Death is trauma alone ; I shouldn't have to be doing this to close an account. They shouldn't manipulate their clients by charging fees, so they don't have to give up the funds.
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| 10/23/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American, Servicemember |
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XXXX claimed that I gave them permission to take to automatic take money out of my First, TN account forelectric service to my home at XXXX XXXX XXXX I called them and asked them to bill me directly. I paid my account for XXXX and XXXX in person before the due date, however they continued to debit my account leaving me with overdraft charges. I paid the last bill XX/XX/XXXX and again they took the money from my account after I called them earlier in the month and told them not to debit my account. I checked with them and went to the bank today and XXXX continues to say that I gave them permission to debit my account which is false. My account is now overdrawn. The person at XXXX continues to be overdrawn. I asked the person on the telephone how long this have been going on an she said since XX/XX/XXXX.
XXXX XXXX TN.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXFIRST Tenn Bank XXXX, TN
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| 06/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
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Web |
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The XXXX XXXX XXXX had an account with First Horizon * ( who acquired XXXX XXXX ) for about XXXX years. During the pandemic several board members passed away and we went into arrears with the account and shut down the company. I contacted First Horizon in XXXX to identify the amount to pay. I paid that amount via XXXX and requested that the account be closed.
First Horizon did, in fact close the account and then admitted to me that they re-opened the account because the deposit to cover arrears was about {$1.00} too much. I was not notified that the account was re-opened. First Horizon then started charging monthly fees and other charges. Now they are harassing deceased board member families as well as myself for fees they charged the company because they re-opened the account. We feel this is fraudulent and feel that First Horizon should be criminally charged for this behavior.
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| 06/13/2016 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
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|
Web |
Servicemember |
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I have a prepaid First Tennessee Bank Prepaid " Companion Card '' XXXX. On XXXX XXXX, 2016, the account was frozen, shutdown and suspended for exceeding load limits that were not published in the terms and conditions of my cardholder agreement. After multiple calls I was promised my funds would be returned to me promptly. On XXXX XXXX, First Tennessee Bank indicated that the remaining balance of {$4900.00} had been mailed to me as a check. Despite this I have received no check in the mail to date ( XXXX/XXXX/2016 ). I have made multiple calls to First Tennessee bank with no resolution. My most recent call indicated a second check could be sent, but only 90 days after the first check had had a stop payment requested ( XXXX/XXXX/2016 ).
This is an absurd, unacceptable and unreasonable delay. My funds are being held hostage by First Tennessee bank and need to be released promptly.
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| 07/12/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened a checking account under First Tennessee Bank under a checking bonus promise of {$300.00} for opening an account with a minimum of {$250.00} and direct deposit monthly, which I 've maintained. After a few months of not receiving the bonus, First Tennessee stated that I was not eligible for the checking bonus because the code had expired. I had opened the account on XXXX/XXXX/17. The last day of the promotion was XXXX/XXXX/17. The code I used to open the account was " ONLINE. '' First Tennessee refused to grant the bonus saying the code I used was expired, but they were unable to tell me which code I had used on the application. First Tennessee swindled me into opening an account under the auspices of a bonus, which they then refused to deliver on after all the eligibility requirements were met. I think they did this in order to pad their new account statistics.
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| 02/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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XXXX XXXX XXXX allows people to cash checks when the person on id dosent match the person present ( if they even ask for ID ) { XXXX XXXX, XXXX, Tn }. They even let people cash checks without a bank account. I closed my account XX/XX/21, they are still cashing checks with my name on it.
XXXX XXXX allows people to accept loans when that person is not enrolled for that current semester. Then when I try to apply for class, I am told my credits exceeds the amount of finacial aid given, my pale grant will not cover the classes. in the meanwhile collecting student loan debt for semesters i am not enrolled.
I have outstanding student loan debt from University of XXXX and i have never attended that college.They also allow people to accept loans when they are not enrolled in the current semester.
XXXX XXXX XXXX cashes these checks. Espesically the one in XXXX and XXXX.
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| 10/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Moved out of the house at the end of XXXX in anticipation of selling it. Had a buyer interested and ready to buy in XXXX. Closing took a lot longer than anticipated and buyer ended up moving into house in XXXX with a lease buy back agreement. While we were out of the house i didnt make a payment in XXXX in anticipation of the house closing. I never received a XXXX payment slip or phone call regarding the XXXX or XXXX payment. I thought since i didnt recieve a payment slip or phone call that i didnt need to make a payment in XXXX because the house was in closing. I didnt realize until i went to re finance my current house that First Tennessee Bank had reported me 60 days late. FTB was the 20 % of an 80/20 loan and the main mortgage company, XXXX ( who owned the 80 % of the mortgage ) did NOT report me 60 days late yet both payments were due at same time each month.
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| 09/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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I deposited {$400.00} dollars in cash into my checking account using my debit card at a First Horizon ATM. The ATM malfunctioned and did not print a receipt or release my debt card. I went to the bank that following Monday and received my debit card, but I did not receive credit for the {$400.00} I deposited. I was told that there was no record of me depositing the funds ; however, the bank had possession of my debit card. I also asked to review the ATM security footage and was told that I was not allowed to see the recording. I made a dispute numerous times to no avail. I believe this ATM may be set up to keep cash deposits. There may be a scheme whereby the ATM freezes up when cash deposits of a certain amount are made. The ATM keeps the card and doesn't print a receipt. Then the card is returned and the customer is given the run around about the deposit.
|
| 07/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
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Web |
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On XXXX XXXX, 2016, I sold a condo to folks who previously had rented the property from me ( XXXX XXXX and XXXX XXXX ). As part of the purchase contract, I paid the closing costs. As part of the final Settlement Statement, the mortgage loan officer and the closing agent stated by phone and email that if we did not purchase the " optional '' owner 's title insurance policy that the price of the lender 's title policy would increase proportionally. In effect, this practice forces the purchase of a product ( the owner 's title policy ) to the detriment of consumers. I am seeking a refund of this cost ( {$270.00} ) and for regulatory intervention by the CFPB to consider ending a practice that is unfair to consumers.
The purchasers have given me authorization to file this complaint on their behalf. Thank you for your assistance!
XXXX XXXX XXXX XXXXXXXXXXXX
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| 05/29/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
Older American, Servicemember |
|
To date I have been unable to obtain the funds from First Tennessee Bank, who acquired or merged or by other means obtained all the assets and or liabilities from XXXX XXXX aka XXXX XXXX XXXX XXXX who issued the check.
During the past 9 years I have visited the First Tennessee Bank and was informed that there are no records of this account. My Aunt and I shared an account together at this bank. Savings Account number XXXX. Opened XX/XX/XXXX.
On Wednesday XX/XX/XXXX I met with Mr. XXXX at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A professional law firm located in XXXX, Tenn. Mr. XXXX accepted the cashier 's check and sent it to First Tennessee Bank who in turn told him there was no record of the account.
I need this Cashier 's Check traced to determine if the First Tennessee Bank has this check in their archives and to return the funds to me.
|
| 05/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
|
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I had submitted complaint about first horizon a few weeks ago ( your complaint ID XXXX ). The letter I received from First Horizon said my payment due was {$170.00}. My complete payment has been sent and received.
I called the number on the letter from First Horizon ( XXXX XXXX ) to see if the amount due was fixed two days after I received the letter from First Horizon and recording still said {$350.00} due as a payment this month. I gave them the benefit of the doubt and waited a week & called again today and recording still says {$350.00} I tried calling after work to the number XXXX had given me and spoke to XXXX XXXX. He said he could not or would not help me with this.
This look to me like they just said that the problem was fixed to get you and myself off their backs, but it was not fixed and I don't know how else to get this fixed.
|
| 12/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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On XX/XX/2021 I went into my local First Horizon bank the address being XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX, to inquire about why I was charged a XXXXXXXX XXXX overdraft fee. While I was inquiring the teller printed out something and it charged my XXXX to my account. I never saw the print out. Then she has me sit and wait on someone. It was a relationship banker. I had asked for a manager and she said wait and there would be one there. I never got to talk to a manager. So I sit down with XXXX XXXX XXXX to discuss the overdraft fee and pull my account up and see that they charged me the XXXX dollars for a print out without my consent, without my authorization, unbeknownst to me. I then ask XXXX if that was against policy to do that without me knowing and she admitted that it was against policy. I believe its actually against the law.
|
| 03/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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First Tennessee Bank had this account charged off, closed, void and released back in 2012, however they continue to report this account as BALANCE DUE AND PAST DUE account on my credit report.. which is damaging my credit ratings and has been causing me a lot of financial distressed. I find this to be a violation of my consumer rights when the bank states they charged off this account, no longer want to collect on it however keep reporting it on my credit report EVERY MONTH as a closed account with past due balance. I have been trying to resolve this issue with them for 4 months now, was told to submit a request in writing which I did 4 times now ( see attached ). They claim NOT to have received my letters and NOW they are ATTEMPTING TO COLLECT DEBT ON THIS ACCOUNT BUT CALLING ME NON STOP AT ODD HOURS OF THE DAY ... .PLEASE HELP
|
| 07/02/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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In 2005 I took out a HELOC with First Tennessee Bank/First Horizon. Last month I was shocked to see that my monthly payment increased XXXX times from the previous payment amount. If I would have known how much my adjusted payment would be I would have never applied for the loan. I do n't have the financial ability to pay it now or at the time the bank made me the loan. In fact, the bank never looked at my ability to pay or even ask about my income. Also, First Tennessee Bank has charged me a finance charge of 100 % of the newly adjusted payment when I could n't pay the new amount. I was never informed they could charge me a 100 % finance charge and I dispute this excessive amount. I would like to discuss a loan workout but First Tennessee does n't even provide a contact person 's name, e-mail or phone number on its statement.
|
| 03/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I'm sick of this bank I have proof of these transactions which I would upload I believe they are stealing taken my money you are charged for overdraft fee plus the money XXXX XXXX doy and XXXX was taken out my account where is the overdraft fee XXXX dollars where's the overdraft fee XXXX dollars where's the overdraft fee these are uneven amount I want my money I've complained and complained there should be recording of me calling and complaining and that money they responded with is just a throw off to suppose to satisfy me nope I want my money I opened the the first account in XXXX when it was first Tennessee they told me I didn't I got my first check in XXXX they told me I opened the account in XXXX this bank is full of liars and thieves my current balance never match my available balance I'm fed up where's my CD account
|
| 02/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports.
b ) on two of my reports I am shown an address where I never lived.
Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number.
c ) the same wrong address shows up on my deceased spouse credit reports.
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports.
d ) the mortgage loan from XXXX XXXX, is reported bizarrely, on the credit reports.
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by XXXX XXXX, and not only, since 2019!
|
| 04/13/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
From XX/XX/XXXX throught XX/XX/XXXX of 2022 The the First Horizon portal to monitor my business account has been frozen, I have been trying to resolve this issue ever since the beginning by reaching out to customer service to reactivate portal and issue to still remained unresolved. Finally my portal was reactivated on XX/XX/XXXX at XXXX and I have discovered there were several unauthorized transactions that caused my account to overdraft along with overdraft fees that's has been applied, I asked the customer service representative if she can please waived the fees but she was only able to waive {$70.00}, I also went to my local branch to have fees waived and they will not help me, I've tried to explain unauthorized transactions and they still refused to help, all I want is to have fees waived
|
| 04/10/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was affected by covid and lost my employment. I was not able to pay my mortgage and reached out to the XXXX for assistance in XX/XX/2022. The XXXX has reached out to XXXX XXXX ( my mortgage holder ) over 6 times via their portal. And XXXX XXXX has refused to respond. When I call XXXX XXXX they keep hanging up on me or when I am able to get someone they say they are trying to collect a debt when I ask about anyone reaching out to them they say they don't see it in the system and the XXXX person that works those cases in the portal has not received it. I am trying to keep my home I have nowhere to go with my children that is safe and that I can afford. I have a great job now that pays me well. I can more than afford my mortgage. But it is like they are trying to take my home. Please help me.
|
| 07/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened a business banking account with XXXX in XX/XX/2020. I received a SBA loan and was approved. They asked me to see a copy of my original loan application from a 3rd party. I provided my signed disclosures for the loan as it was approved they returned my funds back to SBA without my consent. When I reached out to the bank I have not received a response. They discriminated against me. I told them I have never heard received a call from XXXX bank until my funds were deposited. They told me they thought it was fraud. When I provided my documents they still wired my money back without a explanation. I informed them my information has been confirmed through SBA. I am not requesting any products from them why are they asking me for my taxes and what do they intend to do with it. No response.
|
| 02/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I previously had complaint number XXXX with you all. After the company provided a response you all closed the complaint. However, the company 's response did not address the issues and our escrow account continues to be handled inappropriately.
They are not recognizing the fact that I have 3 insurance policies and they are not escrowing sufficient months funds.
Furthermore, despite repeated inquiries, they have failed to disclose how they handled the {$8000.00} I mailed them in XX/XX/2022 to be placed in my escrow account.
My suspicions now are that dishonest actions have taken place or incompetency is at the root of this issue.
I would greatly appreciate your opening of a new complaint and KEEPING IT OPEN until the matter is satisfactorily resolved.
Thank you, XXXX XXXX XXXX
|
| 07/05/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
We have had a Home Equity Line of Credit ( HELOC ) in good standing with First Tennessee Bank since XXXX. We just received a notice from them stating that " The draw period for our HELOC ends on XXXX XXXX, XXXX. '' After calling them, we were told the HELOC is being discontinued because of their rule change - nothing we did or agreed to ever mentioned an end to the draw period. We now have to find another HELOC, including a full income verification process, past 2 years of documents, etc. This is a very cumbersome process at a time when one of us in unemployed, and the market has devalued so we are not likely to get a similar value on a new line of credit. We are not big fans of the process to get a home loan, and that is what we are being forced to do through no fault of our own.
|
| 12/09/2016 |
Yes |
|
|
|
Web |
|
|
I had a fraudulent charge on my account and First Tennessee cancelled my card and reissued me a new card. When they did this, they cleared all of my electronic account statements so that I no longer could see my old charges. When I asked about obtaining the statements ( that I never received in paper I do n't think, as they were only provided to me via the site ) that told me I needed to pay {$7.00} per statement. I explained that I still have a credit card account with them and explained why that card had been closed. They advised it made no difference and that I needed to pay the $ XXXX. This does not seem fair, to close an account because of fraudulent charges and then tell me I no longer can access my old statements without paying {$7.00} for each month I need to see.
|
| 02/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I've had an account for over 10 years and have recently started depositing checks directly at a branch via a teller, versus my usual method of depositing via a debit card at an ATM. Deposits via ATM have been credited immediately. However, the deposits made over the past few weeks have, for whatever reason, not been credited for several days, which has resulted in {$440.00} in recent overdraft fees. I called about this and other than offering to refund {$74.00}, the bank refused to refund any more of the fees, even after speaking with a manager ( and despite my lengthy history with them ). I feel this is unjust, as they have total control over MY funds and can siphon as they please, without my knowledge or consent, and I feel that other consumers should be made aware.
|
| 11/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2021 the XXXX approved of me an XXXX XXXXXXXX XXXX for XXXX $ & another part for XXXX $ I went to the first horizon ( my bank ) to make a withdrawal..
The bank didnt touch my XXXX $ but when I got the XXXX it went through & was in my account it posted.
I went to the teller trying to withdraw XXXX $ so I can put my deposit down for my XXXX store. I heard the teller on the phone with her XXXX. She personally flagged my account and they wouldnt release my funds till I gave them my tax returns & my business license.
I gave them both of those things they requested my account is still negative. XXXX XXXX
I feel discriminated because of my age and race! This is not right. I am looking for lawyers now because this whole situation is utterly ridiculous!!
|
| 10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recently paid in full on an account with First Horizon. I actually overpaid and when I contacted them for reimbursement I explained to the representative that I wanted a refund. He proceeded to tell me to just charge the funds. I then explained to him that I wanted to pay off the account and never use it again. He suggested I close the account. I said to him IF I CLOSE THIS ACCOUNT IT WILL AFFECT MY CREDIT REPORT he said NO IT WILL NOT. He assured me of this and said they would close it anyway. HE PROMISED ME THAT IT WOULD NOT AFFECT MY CREDIT. I PAID OFF THE ACCOUNT!!!! I told him if that was the case then I requested that he close it PER MY REQUEST My credit score WENT DOWN due to this particular reason which it states on my report. I want that fixed!!!
|
| 06/22/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
Iberiabank located at XXXX XXXX XXXX XXXX GA XXXX is a fraud company not a legitimate bank. On XX/XX/21 Their ATM machine # XXXX turned off blank right after I inserted my ATM and entered the PIN number and the amount to get {$200.00} cash. My account was immediately debited {$200.00} for the money I never received from their machine. This is a new kind of bank fraud. When I went inside an employee said : Oh.. yes it happens to noncustomers, but you should eventually get your money back, but I never did. I called them a few times and left them messages, but XXXX XXXX the assistant Branch manager did not even return my call. I am filing a complaint against them to Consumer Financial Protection Bureau with a police report to get my money back.
|
| 11/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened an account online with first Tennessee national bank it required a {$50.00} account balance to open it so I transferred {$50.00} from my financial institution to first Tennessee national bank they process my account they sent me a debit card with all the new account information A little bit of time passed I received a letter in the mail that based on a previous relationship that we have had they were not able to honor my account and they would refund my {$50.00} within 10 days of receiving the letter that was at the end of XXXX I called today XX/XX/XXXX to check on my {$50.00} and they told me that they the recovery department intercepted my {$50.00} for a balance owing that I had when I was a joint account holder.
|
| 03/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I am having problems with the First Horizon Bank, who I have been a loyal customer for years, even after they have been bought out multiple times.
I was not able to get into my account through XXXX because they changed how their login works, tying it to an old phone number to be able to login in that I no longer had access to.
And was unable to check my balance and made me overdraft multiple times, with the the first being one of XXXX XXXX and then if spiraled to the total amount of XXXX XXXX
I called them on XX/XX/XXXX to finally fix this problem and noticed how much they were charging me on overdraws. On XX/XX/XXXX they refused to refund/cancel the all of the fees. It feels like they are stealing money from me.
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
XXXX ID # XXXX with first horizon bank. I had my wallet stolen along with my debit card. Roughly {$700.00} something dollars went missing from my account. I provided all information they asked for except police report number as XXXX XXXX police never gave me a report number. I made the report over the phone to the police and only received text confirmation that a report had been made. I have been in and out of the hospital dealing with health issues and have hardly had time to deal with getting my money back. The majority of which was taken out at ATM 's which have cameras and should be easy to see that it is someone else making withdrawals. All I want is my money back and to have whoever stole my money prosecuted.
|
| 12/09/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
{$350.00} over drawing around XX/XX/22 Originally the account was set up with the understanding NO over draft protection. When the bank representative asks the question we declined the service. The bank has changed names ( 3 ) times therefore I don't know if/ or what types of quarters they were under and making it affect the consumers. I tried to get the issues resolved in the bank unable to get the answers because either short staff, No manager, COVID, etc. Then when someone called inquiring about the account is when I found out the account was charged off. No one could ever say how the account became overdrawn when there is NO over draft protection on the account. This need to be corrected effective immediately.
|
| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Car loan was paid in full to First Horizon Bank. Account was closed but continues to show as late. This has crashed my credit score for months. I just lost everything I own in Hurricane Ian and this mistake has made it impossible to get an SBA Loan or a car loan at a decent interest rate because the account was closed showing it is not current.
I made may attempts to speak with someone at the bank who could help. I was told the customer service dept does not deal with car loans. I was told in XX/XX/XXXX the Solutions team would call me. It is now XX/XX/XXXX I have never received a call. I have asked for a number for the solutions department but was told there is no number for them and that they have to call you.
|
| 05/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
First Horizon Bank took over my Mortgage at Iberia Bank, and unlawfully issued duplicate insurance policies, because they failed to bring over the insurance information and the policy number covering the property.
Then they billed me an extra {$10000.00} / month. I send them the copies of the policies, and it took them over 40 days to cancel the duplicate policies and fix my monthly payment amount. Meanwhile they did not accept anything but the full incorrect payment until it was fixed. Now, they are reporting me as 30 days late for XX/XX/2022, even though they recognize the error and their reps contacted me to ask me for to forgive them, and for more time to issue the corrections, see letter attached.
|
| 03/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I received a letter in the mail from First Horizon thanking me for establishing a new line of credit. I DID NOT APPLY FOR ANY LINE OF CREDIT. I called First Horizon and was told that the overdraft protection for my HELOC was being converted into a Line of Credit. I never had overdraft protection on my HELOC. First Horizon is fabricating a scenario to create Lines of Credit for its customers.
First Horizon is also going the extra mile to make it as difficult for its customers to close the account by not allowing the account to be closed over the phone.
This is the same banking fraud XXXX XXXX did to its customers a few years ago. Please stop this company and its fraudulent business practices.
|
| 04/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I took the Covid-19 related forebearance because my workplace was closed and I couldnt make payments. Since the forebearance ended Ive tried to communicate with my lender to do a loan modification to bring my mortgage current but they refuse to communicate with me. Ive sent all my documents 7 times but I keep getting letters saying they dont have my documents and no one will talk to me except to say they need my documents and they are threatening foreclosure but no one will talk to me or help me. They are asking for documents signed by my ex spouse that I have been divorced from for 25 years for XXXX XXXX reasons and he signed a quit claim deed in our divorce and I have no idea where he is.
|
| 09/10/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Servicemember |
|
We closed on hour house in Tennessee on XX/XX/19. Our payoffs to the Mortgage and HELOC were applied on XX/XX/19. The Mortgage was cleared out immediately, however the HELOC had an over payment. I called in to XXXX XXXX the week after that and was told it would take XX/XX/XXXX business days to receive a refund check. After that time had elapsed, I called again and was told that I would have to wait until the statement cycle ended then it would be XX/XX/XXXX business days to receive a refund check. I called today XX/XX/19 and was told now that it will take 45 days from the end of the statement cycle, with 5 days off so now I have to wait another 40 days for them to give me my money back.
|
| 01/08/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I did a short sale on my house. I was due to pay {$15000.00} over 8 years ( beginning in XXXX of XXXX ) the additional debt owed on my mortgage {$35000.00} would be charged off and I would need to submit a 1099-c to IRS for the remaining balance of {$20000.00}. I have a document stating this that is signed as part of my short sale process. XXXX XXXX is claiming that they are collecting the entire balance of {$35000.00}. Also, I have asked repeatedly for a document that shows my payments and the remaining balance on the debt. They have have given me a doc once of the payments that I have made, that doc was given to me XX/XX/XXXX, they have refused to give me the remaining balance.
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid off a HELOC I had with your company over 2 months ago and yet, it is still showing up on my credit report as open, with a balance. Please accurately and correctly report that the account has been paid in full and closed. The account was paid and closed XXXX XXXX.
I called First Horizon recently and they instructed me to send an email to this address with the following information Full name : XXXX XXXX XXXX.
Account number : XXXX Social Security # XXXX Mailing Address : XXXX XXXX XXXX.
XXXX, TN XXXX Dispute : Account has not been updated to credit bureaus since XXXX XXXX. It's been nearly 3 months and the loan has been paid off and closed. Proof of credit report below.
|
| 11/05/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
I defaulted on a HELOC In XX/XX/XXXX. The account was charged-off in XX/XX/XXXX. My last payment on the account was XX/XX/XXXX. Since that time I have attempted 4 times to settle this account. Each time I was denied. The statute of limitations In California for a written contract is 6 year has now expired. I called the bank on XX/XX/XXXX And spoke to a customer service representative at approximately XXXX XXXX. I was informed that the statute of limitations has run out and they were unable to collect the money. I requested my account number which after being transferred for 4 times the account number was provided. This statement was from XXXX. I was provided a copy of the bill.
|
| 11/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
My car loan was sold from XXXX XXXX to XXXX XXXX. When XXXX XXXX was going through their merger, they couldn't tell me where the account was or where I needed to make a payment. Once we could finally get someone that could pull up the account, they refused to talk to my wife or take a payment from her until talking to me. We have asked multiple times for a permission form to be sent to us to give them permission to talk to her and we have yet to receive one. She is the one that makes the payments due to our work schedules. She is my legal spouse and works for a XXXX XXXX herself and doesnt understand how they can refuse to talk to her or take a payment from her on my open loan.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tn. XXXX You are in direct violation of The Fair Credit Reporting Act ( FIRST HORIZON BANK ), has violated several of my rights.
15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not find an account without my written instruction.
15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-en consumer credit plan as late for any purpose.
Remove this late payment and update this account immediately as you an indirect violation of several laws under The Fair Credit Reporting Act.
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX, on XXXX. XXXX, XXXX, XXXX and on XXXX XXXX, XXXX, FIRST HORIZON BANK add a hard inquiries on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 12/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
In my case. when I schedule a payment to XXXX of my payees through First Tennessee Bank 's online bill pay service, First Tennessee Bank automatically deducts the amount scheduled immediately prior to any payment instrument being issued by First Tennessee Bank. They do issue a reference identifer at the time the online payment is scheduled. What I believe is that when my payee returns the payment instrument issued by First Tennessee for redemption, First Tennessee changes the initial reference identifier. They also change the reference identifer again once they close my statement out for that period. The information is attached in detail later on in this process,
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
In XXXX I lost my job and began the divorce process. I fell behind in mortgage payments with First Horizon. In XXXX I started the process of a short sale and had a buyer. Somehow the foreclosure occurred and First Horizon transferred the loan to XXXX. In XXXX I was contacted by XXXX XXXX and was told I was responsible for $ XXXX because of the foreclosure. They offered to settle for $ XXXX over 60 months. I typically made payments on time, faced other financial hardships but ultimately paid it off. I have about 40 late payments on my credit report just because of this. Because of PMI I may not have been financially responsible for the $ XXXX but I paid anyway.
|
| 09/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I recently learned from XXXX that a address located in Michigan was on my credit report in 2017.
I never lived there, visited there and as far as I know I do n't have family there.
My drivers license have been stolen, social security card have been stolen.
I received a letter from social security in 2017 and told to file a civil action law sue. They are aware of fraudulent activities with my social security number.
IRS is fully aware of these fraudulent transactions made persons other than myself.
XXXX Police is investigating, several reports have been filed by me. I reported theft of my identity to the bankruptcy courts. The Supreme Court to be exact.
|
| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I applied for a refinance with Iberia Bank. I was told that I was locked into a 3.375 % interest rate multiple times by XXXX XXXX. I signed the disclosures and provided information for appraisal to be ordered to move the process forward. Two days later XXXX ( who previously was so anxious to talk and text ) sent an email stating that she actually hadn't locked the rate and it had increased to 3.875 %. This equates to $ XXXX per month, $ XXXX more annually and over $ XXXX more throughout the life of the loan. While I understand mistakes happen this is one that is completely within Iberia 's sandbox and I shouldn't be penalized from a financial perspective.
|
| 07/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
Someone have stolen my identity and refinanced my home while I was under wage earner. The case numbers are XXXX which was discharged in XX/XX/XXXX. On XX/XX/XXXX, the loan I had with XXXX XXXX XXXX was refinanced, the new loan is with XXXX XXXX. The loan number is XXXX. IRS brought this to my attention while I was pulling transcripts. I paid XXXX XXXX XXXX off through payroll. Case number XXXX was discharged XXXX. I had no idea that loan had been refinanced, I did n't know that could be done while you 're under wage earner. I thought you were protected by law. That Was The second loan. I need property taxes from XXXX. The property parcel I 'd is XXXX.
|
| 03/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
On XX/XX/2022, on the day called XXXX XXXX and asked them to release my account information for XXXX, so I can use it for other accounts they refused to do that so they can move money around in a ghost account. I am accusing them and I am fearful that they're using this account that I can't get in for illegal activity instead of just releasing my email address so I can put it towards another XXXX account using another bank over the phone after a number of billionaires across the sea in XXXX cut off from the world and a talk show host XXXX XXXX not being able to touch the money she accumulated over the years just because someone does not like her
|
| 11/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
On XX/XX/2022 we reached out to XXXX XXXX XXXX XXXX XXXX XXXX in regards to an auto claim with a loss date of XX/XX/2022. We received notice from XXXX on XX/XX/2022 a copy of the repair check, showing it was 'cashed ' through direct deposit without the signature or authorization from XXXX XXXX XXXX XXXX XXXX completed an affidavit of forgery and filed that with XXXX XXXX XXXX on XX/XX/2022. We were informed that the documents were submitted to XXXX XXXX XXXX accounting department. Since that date, we have not received response from XXXX XXXX in regards to our forgery claim and they will not return our phone calls or respond to our emails.
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I received a flyer advertising an interest rate of 5.38 % APY from FIRST HORIZON so I opened an account. At the end of the process, the banker goes over the documents, " here is your account #, the disclosures, etc. '' then she says and the term of this promo is for 6 months. No where in the fine print did it mention a promo period. They also had a CD special and that stipulated an 11 month period, but nothing for the money market savings account. When I questioned her she said it should be in the fine print, but it wasn't. Rates are so competitive now I may have opted to go with a different bank, but my new account was already set up.
|
| 01/08/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My ex-spouse will be short selling the former marital residence where I hold a home equity line of credit. When contacting First Horizon/First Tennesse bank I was advised they would entertain a short sale and that I as the loan holder would still be able to pay them the full amount so it not damage my credit. I was told by their SVP and chief legal counsel that they are more than happy to accept payment in full and ontime however they still will put a negative mark on my credit report Bc of the word short sale. How on earth can someone be harmed by a negative credit mark if a loan is paid ontime and in full? It does not appear right.
|
| 05/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have tried at LEAST 4 times to get a company in Florida to take off this bill of XXXX. It was fraudulent. I found out and immediately went to my bank. First Horizon checked into the company, and determined it wasnt me, it was fraud. I have sent in my paper from the bank to XXXX XXXX and its STILL on my account. Im NOT paying this bill, because the Fraud Department at my bank said I wasnt responsible. Im really tired of seeing this collection. I have no money, I applied for disability and just waiting now. Its XXXX thats all I know about this company. The bank called and it was disconnected.
I need help ASAP.
Thank you, XXXX XXXX
|
| 06/18/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
I was using the online banking for my reoccurring mortgage payment. I had to change the amount of the payment. So i stopped the original payment and reentered the new payment. XXXX XXXX sent both payments. I called them on several occasions to get the funds returned, they said I would have to request the mortgage lender to return the funds. I did request them to do so on XX/XX/XXXXThey returned the funds vis electronic funds on XX/XX/. ( see file first line ) XXXX XXXX refuses to credit these funds, saying that the transfer did not happen. I have proof of the transaction but they still refuse to credit me these funds
|
| 12/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I had an unauthorized transaction went into my account. The bank was XXXX XXXX XXXX used a card that was closed out to push their transaction threw.it was for XXXX and left my account in the negative. All the bank could tell me is that because I owed the bill they let it go threw. They also let some other transaction for threw. So I think this is illegal transaction especially when the card they used was closed and I have an voicemail telling me they backdoor it to push it threw. XXXX has been trying to get it since XXXX and the bank denied all this time. Except this time why they let it go threw this time.
|
| 03/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I authorized mortgage company to automatically debit my checking account each month in the amount of my mortgage. When I submit an extra payment to be applied to principal, the lender does not apply the additional payment to principal, but instead applies the amount to my next scheduled payment. I have called to complain about this and was told that the only way to effectuate an additional principal payment was to send it in during the 7 days following my automatic payment but prior to the end of the calendar month. I think that is an unethical practice designed to prevent consumers from paying off principal.
|
| 10/24/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
First Horizon has falsely claimed to repossess a vehicle from me and claims a balance of {$2900.00} was written off and closed. Since XXXX this false information has impacted my credit significantly in a negative manner. Ive shown proof of this company over charging the monthly car payment since they took over the original bank that financed the vehicle ( XXXX XXXX XXXX ). Ive never been late on a payment and my vehicle was never repossessed. First Horizon claims to have zero statements or documentation of proving that their information is correct yet refuses to correct information reported on my credit.
|
| 01/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened and account with XXXX XXXX XXXX/ First Horizon Bank on XX/XX/2019. The promotional bonus on the advertising card stated that a {$400.00} bonus would be deposited into my checking account within six weeks after the account had been opened for 90 days. I have attached a picture of the advertising card as well as my communications with a representative from the bank. The representative acknowledged that I was due the {$400.00} bonus, but that I should wait until the end of this week to see if it is deposited. It has not been deposited, and we are going on eight weeks after the 90 day opening period.
|
| 06/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I previously filed a complaint about a credit card showing up on my credit report.
First Horizon says that they do not have me as an authorized user on a credit card.
Yet, on the credit report it shows a card from First Horizon indicating that I am an Authorized User.
If First Horizon states that I am not, no relation to any bank account, credit card or debit card, then there must be a reporting error? Or did they issue a card and can not close it for some odd reason?
I want to avoid any fraudulent risks.
If I am not an authorized user on any accounts or cards, on what basis are they reporting?
|
| 07/25/2022 |
No |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I was told directly by my bank FIRST HORIZON on XX/XX/XXXX that my rate for next year would stay the same by one of their representatives. I told them I was in the process of refinancing with another bank ( as this bank doesn't do refi ).
I then received a letter dated XX/XX/XXXX that my rate would go up 1 %.
That is misleading me in order to keep my business and even if it was an honest mistake, it was FIRST HORIZON 's mistake. Not mine.
I have submitted this before and they replied WITHOUT DISCUSSING the XX/XX/XXXX call ... which is my only complaint. See attached letter. It is more dishonesty!
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/23 I opened a new money market savings account with FIRST HORIZON due to a promo rate special they are currently offering ( 5.38 % APY ). When I view my account online it shows the current interest rate as .6 %, not the higher promo rate. I called to question and she said that's just how the system shows it and she sent me an email stating the correct rate. So now I have an email, but their system is wrong. Can I trust them to calculate the interest correctly?
Is that legit? They push you to do online and go paperless, but the system doesn't reflect correctly? Can I trust this bank?
|
| 09/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I recently learned from XXXX that a address located in Michigan was located on my credit report. I 've never been there, lived there or visited there. I do n't have family there that I know of.
My drivers license have been stolen, my social security card also. The Social Security Admistration sent me a letter in XXXX and told to file a civil action law sue.
IRS is aware of this fraud with my personal information. I need for First Tennessee Bank to provide me with all of my transactions on the account numbers that I am requesting.
In the time the bank is allowed to go back from XXXX.
|
| 11/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
After having difficulties with FirstHorizon bank buying my current credit card company, I opened a new account and transfered the balance. All of the balance wasn't transferred and FirstHorizon sent the statement to an address I haven't live in in almost 10 years, evidently when they migrated the data there was an issue, so I never knew there was still a balance or a payment due, now XXXX days late, credit score dropped XXXX points and still struggling to actually get a payment made.
I WAS NEVER NOTIFIED THERE WAS A BALANCE OR PAYMENT DUE, AS I WOULD HAVE HAPPILY MADE THE PAYMENT
|
| 03/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
I received a {$100.00} non refundable legal fee on my checking account because California Child Support made an error in sending a Levy to the bank that should not have been sent for a past due balance on Child Support. I have made my Payments on time each pay period. First Tennessee charged {$100.00} to process a {$290.00} levy that was an error. I called twice on XXXX-18 at approximately XXXX-XXXX. They told me that even if it is an error they werent going to waive the fee because its non refundable. This totally wrong and another example of a bank abusing its Financial Power.
|
| 10/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX XXXX, A Division of First Tennessee Bank NA has purchased insurance for my house and has sent me a bill for the insurance. I have had continuous insurance coverage for this house and I have provided proof of insurance repeatedly. The Bank does not provide an email address to track and resolve the problem. This problem has been going on for months. I have contacted my local insurance agent who has contacted my insurance carrier and confirmed that the Bank is listed properly on my policy as mortgagee and on the Certificate of Insurance and notice has been mailed as requested.
|
| 01/11/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
XX/XX/2016 I closed my First Tennessee checking account as no matter what amount I had in the account they found a reason to still charge me for the checking account. Then XX/XX/2016 a direct deposit was sent to this account. Instead of rejecting it, they put it in my closed checking account and then, started charging the closed account, my home equity yearly fee, checking account fees plus a bundling charge. I did not know this until 2 days ago they sent me a email regarding my home equity acct. otherwise I would not have know this had happened.
|
| 09/11/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I took out a line of credit loan back in XXXX the loan was for 20 years. for the first 10 years which ended in XXXX my payment was {$760.00}. without any warning my payment went to over {$2800.00} starting in XXXX. I could not make such a large payment and continued to make a {$760.00} payment per month to this date. the bank is threating forcloseure if all arrears are not paid by XXXX. I have applied for a loan modification and waiting to hear about that. my first mortgage is nearly paid off. I have lived here 25 years and need help.
|
| 11/21/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
Servicemember |
|
This is the third time I've had problems with this servicer I had nothing but problems when this was taken over by First Horizon They are the worse Now they'd trashing my credit again and sending me default notices They also still showing a balance of over {$10000.00} in deferment for some reason I owe these people nothing!
This is exhausting I do not know why there is a deferment balance I do not know why they lose or misplace my payments I do know they owe me thousands of dollars because of them not applying my payments correctly
|
| 08/29/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I call up to make a payment usually day before or the day of. They refuse to take my payment from me. They call me back the day after ( so its now late ) and tell me to pay the late fee. as I refuse to pay it, they then proceed to call me while im at work at least XXXX to 15 times per day until I pay it. I have gave this company so much money in late fees because they refuse to take my payment early. I am then harassed every day until the payment is made and then made to pay a late fee. This is not right and is unacceptable
|
| 08/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I requested car down payment to be refunded from First Horizon Bank on XX/XX/2021 due to had been sold a lemon by XXXX XXXX. I was denied due time 60 day time frame that bank gives. I purchased car on XX/XX/2021 with {$8500.00} down payment using debit card as credit card sale. I have already requested refund from XXXX XXXX with no response. The car has a bad pcm which dealership supposedly fixed that was not disclosed and the air compressor has been replaced which both are not still functioning as they should be.
|
| 11/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
The bank applied a negative XXXX balance to my account for attempting to cash a check that they claim would not process. The check was cashed at another bank without any issues. The account was frozen and had a the negative account balance. The check cleared XXXX XXXX The bank refused to cash a payroll check drawn by there bank and a local University that wouldn't clear a mobile deposit and refused to credit my account for a deposit. The bank has took me through high volumes of stress & grievance without cause.
|
| 07/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
I was working on my computer & got a pop-up stating that my it was being hacked & that I needed to contact XXXX at the number provided. I did & was told that my bank, First Horizon, was being investigated for internal fraud. I complied with the requests to wire money to the attached bank & customer. My bank was unable to halt the wire transfer.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CUSTOMER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
|
| 06/01/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I, XXXX XXXX entered into a consumer credit transaction with IBERIABANK d/b/a IBERIABANK Mortgage on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but IBERIABANK d/b/a IBERIABANK Mortgage took cash. Since then, IBERIABANK d/b/a IBERIABANK Mortgage has sold the note to XXXX XXXX XXXX XXXX and is now liable both criminally and civilly.
|
| 07/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
First Tennes see Bank allowed their employees to take a deduction when I withdraw funds. In XX/XX/XXXX I made a withdrawal in the amount of $ XXXX .Someone withdrew the same amount on XX/XX/XXXX . I made my withdrawal on XX/XX/XXXX . On XX/XX/XXXX the bank shows the withdrawal as being misc debit. I ap plied for health care with XXXX XXXX XXXX XXXX it was taken from me. Others are using this health care. I paid for XXXX XXXX it was taken from me. Everything I apply for is taken.
|
| 06/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
We contacted First Tennessee Bank on XX/XX/2018 with the following request : Please review and help get rid of the repetitive charges on this nonprofit account. XXXX XXXX was very unhelpful through this matter. The customer did not authorize the charge listed on the affidavit. A system block may need to be in order as well as this account to be closed.
Our Business checking account was digged by an illegal operation and the bank charged us overdraft every day to the extent of {$1700.00}.
|
| 08/09/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a home equity loan with First Horizon Bank ( XXXX ) that is being reported to the credit bureau agencies as a " Charge Off ''. This account was sold in its entirety to XXXX XXXX XXXX on or about the end of year 2020. This account should not be reported as a charge off ; it was transferred or sold in its entirety and is a current account with XXXX.
No amount of this balance was ever forgiven, or " charged off ''. This misreporting is a violation of the Fair Credit Reporting Act.
|
| 12/29/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Older American, Servicemember |
|
on XX/XX/20 i purchased a XXXX XXXX watch using my debit card i never received the merchandise so my bank told me to sub a dispute to my local branch. i was denied the dispute. my bank could not tell me what institutions the money went only the merchant how can this be when i received a credit of {$14.00} on XX/XX/20 when i know that the money did not go direct to the merchant because my account was debited by XXXX XXXX for {$58.00} on XX/XX/20. they are rejecting my dispute!
|
| 01/13/2019 |
Yes |
|
|
|
Web |
Servicemember |
|
My actual closing documents were nothing like the good faith estimate provided by my lender.
The lender had several charges added to the closing that were not applicable to my loan.
Septic inspection ( on sewer ) {$500.00} Well inspection ( city water XXXX {$300.00} Several more that my realtor caught.
Basically my closing was so haphazardly put together that no one could figure it out.
The Bank of origin was First Tennessee XXXX XXXX was point XXXX XXXX was processor
|
| 08/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
I closed my account on XX/XX/2018, got a check & have a closing statement. SS sent a check to the bank, {$650.00} on XX/XX/2018, which should have been returned but the bank reopened my account with out my knowledge or permission, than allowed withdraws that were not owed. I sold my house in XXXX closed all accounts & moved out of Tn. the XX/XX/XXXX yet they allowed money taken in XXXX & XXXX. The bank made the mistakes not me but now do not want to give me my money back.
|
| 09/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I recently received a letter in the mail from First Horizon Recovery Department stating that this was attempt to collect the debt for a account that was in the positive for {$5200.00}. According to federal law I am not obligated to pay any amount debt in which, I responded back to them with a affidavit of truth letting them know about the violations that was violated. I haven't received a full line by line response from them yet they only answered part of my affidavit.
|
| 07/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I signed up for a first tennessee bank checking account earlier this year, thus a XXXX Inquiry was initiated. I was told many times that I had met the requirements for this new checking account bonus via their secure message yet I was n't credited the bonus.
I gave up on the bonus part of it awhile ago, but right now all I want is the XXXX inquiry for First Tennessee Bank removed off of my credit report. I think that would be fair considering what I went through.
|
| 10/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my reports/bank accounts. I am requesting that First Horizon Bank - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX delete all false information in they're system or prove the account are valid. This is not reporting on my credit but is stopping me from opening up checking accounts and getting loans as of XXXX.
|
| 06/13/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
In XXXXXXXX XXXX 2021 i opened a HELOC account with IberiaBank. I was told our rate was % 3.00 for the first 120 months. My HELOC account agreement and disclosure clearly states the same. On page one the fourth paragraph states the minimum payment terms. I have tried on several occasions to rectify this with XXXX/First Horizon and they basically just ignore my request.
I am requesting this be resolved to the fullest extent of the law. Thank you for your time.
|
| 06/20/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Capital Bank financed an investment property in XX/XX/XXXX. They merged with XXXX XXXX a couple of years ago and then last year they merged with First Horizon Bank. When going after a refi on our personal residence, it was discovered that First Horizon has a lean on that property that was purchased XX/XX/XXXX and financed by XXXX XXXX! First Horizon has NO LEGAL RIGHT to have put a lean on that property and I want it removed immediately!
Thank you, XXXX XXXX
|
| 02/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
First Tennessee Bank denied my application for a checking account based on " knowledge Based Authentication '' method that they use. The only problem is that I am 100 % sure that I answered each of the answers correctly. I knew the answer to each question and also verified each answer with the records that I have. So either they are using incorrect sources for this information or there are other issues with their application system which are XXXX troublesome.
|
| 10/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I called to report debit card fraud done on XX/XX/XXXX and XX/XX/XXXX for {$1200.00}.
We reported this on XX/XX/XXXX.
When the bank accessed our account, they said there was other fraud charges found from another company back in XX/XX/XXXX. And once they find fraud, they can only cover the fraud charges for 60 days. So any new event of fraud is non-reimbursable.
They are refusing to reimburse the {$1200.00} that was taken out over a two day period.
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am trying to buy a new house. The lender pulled my credit report and I am listed as an authorized user on a first horizons credit line for XXXX. I was never aware of this or authorized this in anyway. First horizons will not tell me whos account it is and its hurting credit and hurting my chances for buying the house we want. They did say it was reported to their identity theft department but it can take up to 30 days. I dont have 30 days.
|
| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION
|
| 06/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with FTB/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FTB/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
|
| 07/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I signed up with First Tennessee in the fall of XX/XX/2017. As part of this, if I met the requirements I would receive a {$300.00} bonus using the promotional code XXXX : open an account with at least {$300.00} and have at least one direct deposit post to your account within 60 days of account opening. I met both but they did not honor it, now saying it was for only those targeted by their mailer which was not the case when I signed up.
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Dear Team - I have settled my forbearance and approved the deferral payment agreement. As per Cares ACT and deferral agreement, when I resume my loan, it will show current on my credit report. I have been making regular payments for the last two months but still, Iberia Bank is not updating and showing that payment status and reporting current on the XX/XX/XXXX and other credit bureaus which is financially and negatively impacting me.
|
| 10/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened a XXXX checking account on XXXX with terms of a {$400.00} bonus if opened with {$200.00} and receiving a direct deposit within 60 days. Opening deposit was made for {$200.00} and direct deposit was recieved on XX/XX/XXXX. Bonus only paid {$200.00} on XXXX.
I contacted the company via secure message and was told that I had a {$200.00} promo had been applied, not the {$400.00}. There was no {$200.00} offer, only a {$400.00}.
|
| 09/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Ive had a bank account at this bank for 3 almost four years. They converted my act to another bank. Then charged me overdraft fees after refunds took longer than usual to be credited due to the conversion. Then refunded the fees and turned off the debit card so I couldnt deposit funds to make the -10 dollars positive again.
I just want to close this account. I do not like first horizon and the way they handle their customers
|
| 11/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
|
| 07/12/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
|
|
I opened a CD with First Horizon Bank on XX/XX/XXXX and deposited {$10000.00}. It had a period of XXXX months.
First Horizon automatically renewed my CD without telling me last month, XX/XX/XXXX. They gave me a low interest rate of 0.03 %.
They say that if I withdraw now, I have to pay an early withdrawal penalty. I think this is unfair, since they didn't tell me they were going to renew the CD or give me a choice.
|
| 05/30/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
XXXX XXXX was bought out bY First Tennessee. They have forced everyone to download the new App to access online banking. The App hasnt been working. I lost access 4 days ago, have talked to people on the phone, and been to the bank twice. Im writing this complaint in the mgrs office because we have been on hold for probably 45 minutes with the NO HELP LINE. Bank employees at MY bank have tried to help ... .to no avail
|
| 06/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Trouble closing card
|
|
Web |
|
|
On XXXX XXXX , First Tennessee Bank ( FTB ) unexpectedly closed my Companion Card which had in excess of a {$1000.00} balance. Since closing, the funds have remained in the hands of FTB despite numerous calls and escalations to try and get the funds back to me. It has now been over 65 days and they are holding every penny hostage. This is unacceptable and the telephone support channels have done nothing.
|
| 05/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/19 I opened a checking account with XXXX XXXX with a promotion for {$200.00} contingent upon receiving a direct deposit. I processed several of my work direct deposits into this account and was supposed to receive the {$200.00} bonus within 42 days fo the direct deposit. The direct deposit was received XX/XX/19, 42 days would be XX/XX/19. I have not received the bonus that was promised to me.
|
| 07/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I should not have been charged a XXXX overdraft fee. I had money in the account and the last purchase I made before it was charged the money was taken out so why the XXXX was I charged an overdraft fee?? I get so XXXX sick of fees and other ways banks XXXX XXXX XXXX you to death. I specifically said I did NOT want anything paid on this XXXX account if there was a funds issue anyway and THIS IS WHY.
|
| 11/16/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I go to First Tennessee in XXXX in XXXX every XXXX weeks.
Every time it takes XXXX mins. Today was even longer in the drive thru so I went in.
There were XXXX women behind the counter and XXXX people in line. Those XXXX were also running the drive thru. XXXX min to make a deposit is absolutely an unacceptable amount of time. I will go somewhere that either has better workers or more of them.
|
| 02/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have not been scammed but I received a text message saying there was a problem with my First Horizon bank account and there was a link inside the text www.firsthorizonff.com. I did not click on this link in my phone but I did pull it up online and it is a fake replica of the First Horizon Bank 's website designed to scam people. I just do not want anyone to get tricked into using this site.
|
| 05/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
First horizon bill due XX/XX/XXXX. Sent payment XX/XX/XXXX. First horizon did not cash until XX/XX/XXXX, so my bill for XXXX is {$350.00} which is over double my usual {$170.00} payment. I called & they refuse to fix problem. I sent out bill 9 days before it was due & now I'm getting very very expensive late fees that are bogus and they will not fix the problem. I need help. Thank you
|
| 03/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Well I was charged overdraft fee for something that wasn't possible I have receipt my balance was XXXX I withdrew XXXX ; plus surcharge then I turned around and withdrew XXXX plus surcharge I was told that I overdraft XXXX dollar which was impossible from my balance and the bank don't want to give me my money they also charged me XXXX over draft fees which is impossible I have proof
|
| 02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.
I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on IBERIA BANK DIRECT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 03/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Checked my credit reports recently and there were three fraudulent personal loans taken out in my name and funds were dispersed to a bank account ( First Horizon Bank, headquartered in XXXX TN ) for approximately {$45000.00}. I have the routing and account number the perpetrator is using at HXXXXrizon Bank and it is not mine but they are using my personal information to utilize it.
|
| 12/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/XXXX I made a transfer through XXXX from my bank account at XXXX XXXX to a payee who has a bank account at First Horizon. On XX/XX/XXXX I received a confirmation from XXXX that the money was credited to the payee, however First Horizon never credited the money to the recipient. Transfer trace is XXXX. Both banks have not been able to resolve the issue and my money is lost.
|
| 01/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Overdrafted my checking account by about XXXX $ on XX/XX/22. Accidental payment. Was charged XXXX $ overdraft fee on XX/XX/22. Did not know account was overdrawn. XX/XX/22 receive automated email from bank that account is below set funds limit ( personally set funds limit to XXXX $ ). I was charged an overdraft fee before I had time to correct it and automated message was delayed.
|
| 05/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
{$5000.00} was fraudulently transferred out of my First Horizon Business banking account XXXX on XX/XX/XXXX to someone in XXXX. I become aware of this when I became victim to other Identity Theft crimes in early XXXX. I contacted First Horizon to open a claim and they were unhelpful and did not assist at all. This is a serious matter and they were unwilling to assist in any way.
|
| 05/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account with First Tennessee Bank on XXXX17 with a deposit of {$300.00} and had my first direct deposit on XXXX/17. It has been over the six week mark since I met the requirements to receive the stated {$250.00} bonus. Would you please see to this matter? I have contacted First Tennessee Bank via email about this situation, but did not recieve a response.
|
| 05/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The company Iberia Bank is currently erroneously reporting information to the various credit bureaus, inciting ownership to a delinquent account. The said account has been asked to be validated by myself with no response of such with supporting documentation. Such reporting violates multiple FDCPA laws and has caused me great mental and emotional anguish.
|
| 10/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Someone stole my ID and other items from my purse. Then they were allowed to withdraw {$1800.00}. On XXXX and {$2000.00}. On XXXX. I called the bank and met with bank Mgr. And filled out an affidavit. I also reported and filed areport with XXXX police. I was finally told my claim was denied, because I failed to protect my ID and account number
|
| 07/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I called XXXX XXXX XXXX at least five times last month attempting to get a settlement figure on a debt from 2014.
Their response each time was that they hadnt finished calculating the total debt which I interpreted to mean they wanted a blank check to attempt to get as much as they for a debt they likely paid pennies on the dollar for.
|
| 03/31/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Capital Bank held a business account. They took the funds and closed the account upon rebranding their bank name to Horizon. I never authorized my business account to be stolen from. Thanks for anything you can do to avoid fraud in the future. This is bank is a scam. I never authorized any funds to be withdrawn from my account.
|
| 12/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I am XXXX XXXX, a customer of First Horizon Bank, formerly known as XXXX XXXX XXXX.
My Account number is XXXX. This is a personal checking account. When I opened this account I remember there was a promotion going on for joining bonus of {$200.00} and I remember I signed up for that.
Till date I have not received that bonus.
|
| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
I have asked for a replacement card many times and I have not received one. Today I am willing to pay to overnight a card to my work address but they said I had to go to a branch. I live in Maine. The closest branch is in Virginia. I asked to speak to a supervisor and was told I could not, my only action was to go to a branch.
|
| 02/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Tried to transfer money from my us account so phoned them as I live in the XXXX now said they wouldnt do it over the phone and I had to contact an institution and write a cheque so I contacted XXXX XXXXXXXX XXXX 3 months ago just heard back that my bank is refusing to acknowledge any paperwork they send what can I do about it
|
| 10/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I was a victim of identity fraud, and my account was hacked by some weird person where they deposited a fraudulent check/deposit into my account and I was told that it would be taken care of by the bank themselves. Next thing I know, my account was being closed but I was on the hook for be hacked by these people.
|
| 06/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I accepted an off at First Tennessee Bank that if I started a new checking account with direct deposit I would receive a {$200.00} bonus. After 3 months I received no bonus I asked them how long it would take and at that point I was told that I didn't qualify since I had a savings account with them.
|
| 11/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
XXXX XXXX bank card wont work and was flagged for fraud but all the transactions were legit. I spend 3 hours calling the bank and no one seems to know how XXXX XXXX to get the card unflagged. I need the card to work if it is supposed to not keep wasting time calling XXXX XXXX XXXX after another.
|
| 08/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
First Tennessee Bank reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off First Tennessee refuse to recognize their mistake.
|
| 06/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
About 2 years ago my First Horizon account was hacked and the person dropped a fake check into my account, i dont remember the amount but it was over {$1000.00}. After they dropped the fake check into my account my account was locked and i never talked to any one about it.
|
| 11/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was checking my credit report i've seen a lot of hard inquiries, on my report which i did not make on my own. I think they may have been fraudulent, i want them to be removed as soon as possible. Thank you. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
|
| 05/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Saw a unauthorized charge of XXXX from a overseas company XXXX XXXX and I did not not do. Checked with the bank but they said my time was up to report. Learned this week that my card was compromised at XXXX 's restaurant. How can I fix this or get my money refunded.
|
| 04/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I was affected by the Pandemic and they offered me moratoriums and then they affected my credit. I have never stopped paying and have continued to pay as agreed after the moratoriums. The companies do not correct my credit even if they have sent proof of payment.
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
ONCE AGAIN I HAVE ASK XXXX TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.
|
| 05/13/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
First TN trust account not allocated.
XXXX XXXX XXXX t account not disclosed.
XXXX XXXX XXXX XXXX accounts not disclosed Government bank accounts not disburses no payment received XXXX of XXXX XXXX check not disbursed.
United States Treasury/State of TN-unsure
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
There are incorrect late payment on my credit with this company resulting in me not being able to purchase a home that I was already approved for and then went under contract and because of this I can no longer purchase a home and am not without a place to live
|
| 05/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
Someone stole one of my personal checks, forged my signature and cashed it for {$1800.00}. Reported the theft to the bank and XXXX Police Department. Nothing has been done about it. The bank has not provided done anything about correcting the situation.
|
| 07/18/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Home equity line of credit. XXXX paid off balance in full asked them to close account. XXXX received bill statement with " purchase XXXX '' and " XXXX cash advance finance charge '' did not use account and had believed it was closed.
|
| 03/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
XXXX XXXX has a hold on my account. It's been over a week. No one has told me what the reason is of what I need to do. This is causing me severe financial damage as I can not make any transactions.
I am about to loose my home, cars and business.
|
| 08/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
XXXX, the day of my house sale the bank first horizon charged mete total of XXXX and XXXX is the collection of more than.The debt and I have tried to talk with the bank about the extra charge and they want to talk with me.Iwant my XXXX back.
|
| 04/27/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
the bank tells us to use XXXX to make payments, they do not tell us that we have ZERO protection, no way to trace the money, no help from them if there is fraud. i got scammed for {$350.00} and the bank says so sad too bad
|
| 09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I was denied a checking account when I recently moved here to Texas because of incorrect information on my XXXX record. I was not aware of this information and it is also extremely old aside from being blatantly wrong.
|
| 06/13/2016 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
Servicemember |
|
On XXXX XXXX, 2016 my First Tennessee XXXX XXXX debit card ( XXXX ) was closed without notice or reason. I received an email from the company stating they will hold my money for 30 days, and then issue a refund.
|
| 07/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
Consumer Finance Protection Bureau Complaint XXXX XXXX XXXX XXXX with First Horizon Bank 'LOST THE PAPERWORK/FILE ' FOR THE 'PERSONAL LOAN ' for a 'USED VEHICLE LOAN '.
NO VEHICLE MEANS NO 'XXXX INCOME '.
|
| 08/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
First Tennessee Bank charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.
|
| 06/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
Servicemember |
|
Between XX/XX/XXXX and XX/XX/2020 Denied 'Personal Loan ' for 'Car Loan/Transportation ' Needed 'Vehicle/Transportation ' To Attend Veterans Medical Facility over XXXX XXXX Hours From XXXX NC
|
| 02/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
Showing as potentially harmful on all three credit reports, showing as charged off, but was included in bankruptcy, I never received XXXX. This is a joint account XXXX, XXXX, XXXX
|
| 08/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Please see attached Letter Dated XX/XX/2020 Regarding CFPB Complaint Nom XXXX To Attorney XXXX XXXX Senior Vice President & Counsel First Horizon Bank Email sent to XXXX XXXX
|
| 06/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
tried to get a personal loan when I mentioned using a XXXX of the XXXX XXXX on a work van I was cut off and denied because it was related to my business
|
| 10/20/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received in the mail today a first Horizon XXXX XXXX that I did not request. This is a fraudulent account and needs to be closed immediately.
|
| 02/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 12/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Over XXXX worth of unrefunded fraud by XXXX XXXX since XXXX, XXXX XXXX XXXX dollar toll to 2 accounts closure of both accounts
|
| 12/06/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This company pulled my credit without talking to me first & Ive been tryna to get in with the loan XXXX XXXX XXXX & no reply
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
Funds of {$2000.00} were fraudulently wired from my first horizon checking acc. On or about XXXX XXXX
|
| 11/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
credit card FRSTHRZNBK XXXX XX/XX/2015 {$4900.00} credit card FRSTHRZNBK XXXX XX/XX/2015 {$4900.00}
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I HAVE TRIED TO RESOLVE THIS ACCOUNT THAT IS NOT MY ACCOUNT MY NEXT STEP IS FILE A LAWSUIT IN COURT
|
| 01/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
First Tennessee Bank was made aware of fraudulent charges and ignored my request for help n
|
| 02/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
my applying to open the account of First Tennessee Application by online Has Been Declined.
|
| 04/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
no knowledge of these 3 checking accounts First Horizon Bank / XXXXXXXX XXXX XXXX
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i have ask XXXX to remove this account that is not my account they have not yet.
|
| 03/15/2016 |
Yes |
|
|
|
Web |
|
|
I FILED CHAPTER XXXX AND THE CREDIT CARD COMAPNY CONTINUE TO REPORT INCORRECTLY.
|
| 10/02/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
First Tennessee bank, online account customer service for new accounts
|
| 10/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Withdrawal was made from the account I had by others.
|
| 02/02/2024 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
|
| 01/19/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American, Servicemember |
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Mortgage
- Manufactured home loan
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
|
| 12/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 12/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Web |
Older American |
|
|
| 11/06/2023 |
No |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Confusing or missing disclosures
|
|
Web |
Servicemember |
|
|
| 10/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Problem lowering your monthly payments
|
|
Web |
Servicemember |
|
|
| 10/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 10/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Servicemember |
|
|
| 10/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 09/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Postal mail |
|
|
|
| 09/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
|
| 08/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 08/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
|
| 08/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 07/29/2023 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web Referral |
|
|
|
| 07/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 06/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
Older American |
|
|
| 06/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/07/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 06/06/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/30/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Referral |
|
|
|
| 05/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American, Servicemember |
|
|
| 04/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 04/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 04/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 03/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 03/02/2023 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 02/28/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Phone |
Older American |
|
|
| 02/23/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
Older American |
|
|
| 01/23/2023 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 01/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
|
| 01/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 01/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 12/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
|
|
|
| 12/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
|
| 12/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 11/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 11/16/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
|
| 10/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
|
| 10/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 09/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/09/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/31/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Servicemember |
|
|
| 07/27/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
|
|
|
| 07/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 07/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
|
| 07/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 07/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 07/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 07/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 06/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 06/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 06/21/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 06/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 05/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 05/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 05/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 05/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 05/10/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 04/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 04/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 04/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 04/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 04/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/12/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
Older American |
|
|
| 03/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/26/2022 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
|
| 03/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 03/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 02/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 02/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 02/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Phone |
|
|
|
| 01/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Servicemember |
|
|
| 01/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 01/14/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 01/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 12/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 12/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 12/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Referral |
|
|
|
| 12/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Money was not available when promised
|
|
Referral |
|
|
|
| 11/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 11/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 11/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 11/19/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 11/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Referral |
|
|
|
| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/29/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 10/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 10/12/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/29/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 09/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
|
| 08/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 07/29/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 07/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Referral |
|
|
|
| 06/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/16/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
Older American |
|
|
| 06/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 05/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 05/17/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/13/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 05/10/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 05/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Referral |
|
|
|
| 05/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/23/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 04/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 04/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 04/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/01/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 03/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 03/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 03/05/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
|
| 02/11/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
Older American, Servicemember |
|
|
| 02/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 02/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/05/2021 |
Yes |
|
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 12/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 12/09/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
|
|
| 12/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 11/30/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
Older American, Servicemember |
|
|
| 11/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 11/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Older American |
|
|
| 11/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 10/28/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/28/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 10/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American |
|
|
| 10/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 10/14/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 09/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 09/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Referral |
|
|
|
| 09/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Older American |
|
|
| 09/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 09/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
Older American |
|
|
| 09/09/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Referral |
|
|
|
| 09/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 09/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 08/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 08/26/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/24/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 08/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 07/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 07/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Referral |
|
|
|
| 07/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 07/10/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 07/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
Older American |
|
|
| 07/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
Older American |
|
|
| 07/02/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/01/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 06/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 06/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 06/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Referral |
|
|
|
| 06/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 04/27/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 04/20/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/09/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 03/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 02/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
Servicemember |
|
|
| 01/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 12/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 12/10/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 11/22/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 11/19/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 10/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/27/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
Older American |
|
|
| 09/13/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 08/16/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 08/14/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 08/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 08/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 08/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/05/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 07/30/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American, Servicemember |
|
|
| 07/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
|
| 07/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 07/09/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 07/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 06/13/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/07/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 05/22/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Phone |
|
|
|
| 05/20/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/17/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 04/16/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 04/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 04/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 04/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/01/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 03/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 03/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 03/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Phone |
|
|
|
| 02/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 01/30/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 01/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Referral |
|
|
|
| 01/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
|
|
|
| 01/18/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/31/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 12/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Referral |
|
|
|
| 12/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 12/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 11/21/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/23/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 10/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
|
|
| 09/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 09/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 08/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 08/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 08/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 08/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 08/06/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/25/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/25/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/23/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 07/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 07/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 07/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 06/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Fax |
|
|
|
| 06/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/20/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 06/19/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Postal mail |
|
|
|
| 06/08/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 06/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 06/01/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 05/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Phone |
|
|
|
| 05/15/2018 |
Yes |
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/30/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/03/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 03/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/13/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 03/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/23/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/21/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/16/2018 |
Yes |
- Credit card or prepaid card
- Gift card
|
|
|
Web |
|
|
|
| 02/08/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 02/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/01/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 01/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 01/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/02/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 12/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/07/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/04/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/20/2017 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 11/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/06/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 10/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/12/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Referral |
|
|
|
| 07/22/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 07/17/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 07/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 07/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 07/06/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/05/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 06/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 05/17/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/29/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 04/28/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/13/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/30/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
|
| 03/27/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/16/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 02/23/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/21/2017 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Referral |
|
|
|
| 02/15/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/09/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 01/20/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 01/19/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/19/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/02/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 11/21/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Shopping for a line of credit
|
|
Phone |
|
|
|
| 11/07/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 11/02/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 10/26/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/12/2016 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
|
| 09/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 09/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 09/21/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 09/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/09/2016 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
|
|
|
| 09/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/06/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 08/25/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/23/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/23/2016 |
Yes |
- Other financial service
- Check cashing
|
|
|
Referral |
|
|
|
| 08/16/2016 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
|
|
|
| 07/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/05/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 06/30/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 06/14/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Phone |
Older American |
|
|
| 05/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 02/22/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 02/19/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/19/2016 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
|
|
|
| 02/10/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 02/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/04/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/26/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/11/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/05/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/28/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 12/28/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
Older American, Servicemember |
|
|
| 12/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/18/2015 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
|
|
|
| 12/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 12/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/10/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 12/07/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/07/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/01/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
Servicemember |
|
|
| 10/05/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/25/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 09/22/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/17/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 08/28/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/26/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 08/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 08/04/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/13/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/13/2015 |
Yes |
|
- Advertising and marketing
|
|
Web |
|
|
|
| 07/09/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/02/2015 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
|
|
|
| 06/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/15/2015 |
Yes |
- Other financial service
- Check cashing
|
|
|
Referral |
Older American |
|
|
| 06/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/14/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 05/27/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 04/27/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 04/24/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 04/17/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/31/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/30/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/12/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/03/2015 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/24/2015 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
|
|
|
| 02/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/18/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/08/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 02/04/2015 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Referral |
|
|
|
| 01/28/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/14/2015 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
|
|
|
| 01/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 01/12/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/12/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/02/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 12/15/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 12/09/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/04/2014 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 11/21/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/19/2014 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/17/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 11/17/2014 |
Yes |
|
- Customer service / Customer relations
|
|
Referral |
|
|
|
| 11/12/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Servicemember |
|
|
| 11/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 10/24/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/24/2014 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/23/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/22/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
Older American |
|
|
| 10/21/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 10/21/2014 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Referral |
|
|
|
| 10/20/2014 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/09/2014 |
Yes |
- Prepaid card
- General purpose card
|
- Managing, opening, or closing account
|
|
Web |
|
|
|
| 09/26/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/23/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 09/21/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/18/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Referral |
|
|
|
| 09/17/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/29/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/05/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Referral |
|
|
|
| 07/14/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 07/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/14/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/13/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 05/28/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 05/23/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/21/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 05/20/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 05/07/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/02/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/07/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/02/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/21/2014 |
Yes |
|
|
|
Referral |
Servicemember |
|
|
| 03/19/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/19/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 03/18/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 03/15/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 02/26/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
Servicemember |
|
|
| 02/25/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/12/2014 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
|
| 02/05/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/29/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/24/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/22/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/12/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 01/09/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
|
| 01/09/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 01/09/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/24/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 12/11/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/11/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/10/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 12/10/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 12/10/2013 |
Yes |
- Bank account or service
- Savings account
|
|
|
Phone |
|
|
|
| 12/10/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/29/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/06/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/04/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 11/04/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/29/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American, Servicemember |
|
|
| 10/28/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/25/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/09/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/09/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/28/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
|
| 09/25/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/23/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 09/18/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/05/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Postal mail |
Older American |
|
|
| 09/05/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
|
| 08/27/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/22/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/22/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 08/18/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/14/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 08/13/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/08/2013 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 08/07/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 08/07/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/29/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 07/04/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/30/2013 |
Yes |
|
|
|
Web |
Older American |
|
|
| 06/28/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/24/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 06/20/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/17/2013 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/10/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 06/10/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/03/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/21/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 05/17/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
Older American |
|
|
| 05/16/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/14/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/09/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 05/09/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 05/08/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 04/30/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/26/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/11/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 04/01/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 04/01/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/29/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/24/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/21/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/19/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/18/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 03/15/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 03/11/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/08/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/05/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/26/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/19/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 02/13/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/12/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 02/11/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/05/2013 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
|
| 01/18/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 01/16/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 01/08/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/08/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 01/04/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/02/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/31/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 12/28/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/21/2012 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 12/20/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 12/18/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 12/12/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/16/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/14/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 11/09/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/05/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 11/01/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 10/31/2012 |
Yes |
|
- Closing/Cancelling account
|
|
Referral |
|
|
|
| 10/26/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/25/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/17/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 10/16/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/03/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/02/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 10/01/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/21/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 09/17/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/07/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/06/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 08/21/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/14/2012 |
Yes |
|
|
|
Web |
|
|
|
| 08/09/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/08/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/03/2012 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 07/19/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/17/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 07/17/2012 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
|
| 07/17/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/11/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/28/2012 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 06/25/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 06/22/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/04/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/02/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/01/2012 |
Yes |
|
- Credit decision / Underwriting
|
|
Referral |
|
|
|
| 05/31/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/29/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/24/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 05/23/2012 |
Yes |
- Bank account or service
- Savings account
|
|
|
Phone |
|
|
|
| 05/23/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/16/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 05/16/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/09/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/09/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/08/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 05/04/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 05/02/2012 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 04/27/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 04/24/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/24/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/24/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/17/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/17/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/16/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/13/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 04/12/2012 |
Yes |
|
|
|
Web |
|
|
|
| 04/12/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 04/06/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/06/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/04/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/03/2012 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 03/30/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/27/2012 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/27/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/27/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/26/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/21/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/16/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/15/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/15/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/11/2012 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 03/10/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 03/09/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/07/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 03/02/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/01/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/22/2012 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/21/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/21/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 02/20/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/09/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/07/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 02/07/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/03/2012 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 01/30/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/27/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/21/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/18/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/11/2012 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 01/04/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 12/31/2011 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/13/2011 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|