Total CFPB complaints
37
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 37 complaints
FIRST HORIZON BANK — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FIRST HORIZON BANK
- Attempts to collect debt not owed
Attempts to collect debt not owed
20 complaints
- Communication tactics 5
Communication tactics
5 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
C
Grade C · 60.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about FIRST HORIZON BANK?
FIRST HORIZON BANK has accumulated 37 total CFPB complaints across 16 states, with 3 filed in the most recent 12 months against 34 historical complaints before that window. The trailing-12-month volume represents 8.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 40% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 16 states, led by Tennessee with 9 and Virginia with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.0/100 places FIRST HORIZON BANK in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
8.1% of total history
Rising ↑
States active
16
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
40%
After company response
Reputation grade
C
60.0/100 composite
Response-quality profile
How FIRST HORIZON BANK performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 80.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does FIRST HORIZON BANK compare to its peers?
FIRST HORIZON BANK National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2018-02 2026-01
Top Consumer Issues
Attempts to collect debt not owed20 (%)
Written notification about debt4 (%)
False statements or representation3 (%)
Communication tactics5 (%)
Improper contact or sharing of info2 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 10 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Improper contact or sharing of info | Contacted me after I asked not to | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
Where do complaints against FIRST HORIZON BANK come from?
The states where consumers have filed the most CFPB complaints against FIRST HORIZON BANK. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FIRST HORIZON BANK
Across 16 states with at least one filing
- Tennessee
Tennessee
9 complaints
- Virginia
Virginia
4 complaints
- California
California
4 complaints
- Texas 2
Texas
2 complaints
- Georgia 2
Georgia
2 complaints
- North Carolina 2
North Carolina
2 complaints
- Mississippi 2
Mississippi
2 complaints
- Alabama 2
Alabama
2 complaints
Frequently Asked Questions
What is the most common complaint against FIRST HORIZON BANK? ▼
The most common issue consumers report about FIRST HORIZON BANK is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 37 complaints filed with the CFPB.
Are complaints against FIRST HORIZON BANK increasing or decreasing? ▼
Complaints against FIRST HORIZON BANK are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is FIRST HORIZON BANK's reputation grade? ▼
FIRST HORIZON BANK has a reputation grade of C (score: 60.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does FIRST HORIZON BANK respond to consumer complaints? ▼
FIRST HORIZON BANK has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 40% of cases.
In how many states does FIRST HORIZON BANK operate? ▼
FIRST HORIZON BANK has received CFPB complaints from consumers in 16 states, with the most complaints from Tennessee (9 complaints).
What can I do if FIRST HORIZON BANK is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If FIRST HORIZON BANK violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |