What is the most common complaint against First Horizon Bank - West Congress Street Branch?

The most common issue consumers report about First Horizon Bank - West Congress Street Branch is "Cont'd attempts collect debt not owed", specifically "Contacted me after I asked not to". This is based on 4 complaints filed with the CFPB.

What is First Horizon Bank - West Congress Street Branch's reputation grade?

First Horizon Bank - West Congress Street Branch has a reputation grade of A (score: 81.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does First Horizon Bank - West Congress Street Branch respond to consumer complaints?

First Horizon Bank - West Congress Street Branch has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does First Horizon Bank - West Congress Street Branch operate?

First Horizon Bank - West Congress Street Branch has received CFPB complaints from consumers in 2 states, with the most complaints from Louisiana (3 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

First Horizon Bank - West Congress Street Branch - Debt Collector Complaint Profile

Q: Are complaints against First Horizon Bank - West Congress Street Branch increasing or decreasing?

Complaints against First Horizon Bank - West Congress Street Branch are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

CFPB complaint profile across 2 states, reputation grade A.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

2
Written notification about debt

1
Improper contact or sharing of info

1

Data updated September 2026

CFPB complaint disposition

CCDB record first-horizon-bank-west-congress-street-branch First Horizon Bank - West Congress Street Branch

Grade A · 4 CFPB filings · 100% timely · lead issue: Cont'd attempts collect debt not owed · vol #3371 · compose #257

VOL 4
GRADE A
12MO 0
STATES 2
TIMELY 100%
DISPUTE 0%
ISSUE Cont'd attempts collect de…
RANK #3,371
COMPOSE #257

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

First Horizon Bank - West Congress Street Branch's 4 CFPB complaints sit next to 90 Day Credit Experts on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

75.0% of First Horizon Bank - West Congress Street Branch's CFPB filings land in Louisiana

High volume does not equal a clean composite: First Horizon Bank - West Congress Street Branch is volume #3,371 but composite #257, while Louisiana dominates the geography. Corpus placement method.

Dominant state: Louisiana 75.0%; 3 of 4 filings · 2 states touched
Seasonal peak: 2025-10 12.5%; 8–15% band · 3 filings
Divergent corpus ranks: #3,371 volume; #257 composite; Cleanest-composite ladder is 3,114 places better than volume

How does First Horizon Bank - West Congress Street Branch compare to its peers?

How does FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

FIRST HORIZON BANK - W… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-06 2026-01

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	2
Written notification about debt	1
Improper contact or sharing of info	1

Where do complaints against First Horizon Bank - West Congress Street Branch come from?

First Horizon Bank - West Congress Street Branch's own per-state count, not a national baseline.

Louisiana

3
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for First Horizon Bank - West Congress Street Branch: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 4.

4 peers

Know your rights before responding to First Horizon Bank - West Congress Street Branch: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.