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

CFPB complaint data Grade A 4 complaints

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

CFPB complaint profile across 2 states, reputation grade A.

Complaints by issue type

What consumers report about First Horizon Bank - West Congress Street Branch

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

A

Grade A · 85.0/100 composite

This collector has an excellent complaint record, very few complaints relative to its size, with high response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of A: First Horizon Bank - West Congress Street Branch ranks ahead of 93% of the 5,283 collectors PlainCollector grades - 7% keep a cleaner CFPB record, on 4 all-time complaints and a 100% timely-response rate.

93rd pct
reputation rank of 5,283 graded collectors
4
CFPB complaints, all-time
100%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about First Horizon Bank - West Congress Street Branch?

First Horizon Bank - West Congress Street Branch has accumulated 4 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 4 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Contacted me after I asked not to". The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 2 states, led by Louisiana with 3 and Florida with 1. Normalized against the full CFPB collector database, the reputation score of 85.0/100 places First Horizon Bank - West Congress Street Branch in grade band A.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

4

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

2

limited footprint

Timely response rate

100%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

A

85.0/100 composite

How does First Horizon Bank - West Congress Street Branch's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

85 Top 7% higher than 93% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). Below this entry. 70–80: 871 graded collectors (16%). Below this entry. 80–90: 660 graded collectors (12%). This entry sits in this band. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

First Horizon Bank - West Congress Street Branch versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 3.6%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
FIRST HORIZON BANK - W… National average
Complaints (last 12 mo)lower is better
0
1
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-06 2026-01

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against First Horizon Bank - West Congress Street Branch

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if First Horizon Bank - West Congress Street Branch contacts you

A grade of A signals how First Horizon Bank - West Congress Street Branch's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really First Horizon Bank - West Congress Street Branch and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how First Horizon Bank - West Congress Street Branch ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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.

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.

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: 85.0/100), 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).

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, more than 1,139,000 debt collection complaints have been logged nationwide as of July 2026. 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.