I secured a loan to pay for a property I bought in Garrett County Maryland. First Horizon became First Tennessee and the service went into the toilet from there. I couldn't pay my mortgage payment on line unless I opened up a checking account with First Tennessee. I don't live anywhere near the great state of Tennessee or any of their branches. And since I had an account with another bank, I had to either write a check and mail it or make a phone payment. The phone payment allowed them to steal another $15.00 from me as a "lack-of-service" fee. Service was non-existent and trying to log in to my account was ridiculous. It would prompt me for my account number and then it would say this is an invalid account number so now I had to make a payment by phone using the same invalid account number. They eventually went to on-line banking and allowed people to pay their mortgage using an outside account. They are way behind the times as far as technology, service and common sense. Go with another bank if you can. First Horizon was just a cover for First Tennessee. I finally got fed up to the point that I refinanced my house and added the property to my mortgage just so I could kick First Tennessee to the curb. Best decision I ever made.
First: I have been banking with FT for over ten years but due to fraud had to open another acct last august. Now they only acknowledge me being a customer for about a year instead of 10. I recently had an overdraft issue and waited so long they were on the verge of closing the acct. I spoke with a CSA and she helped reverse the charges and I agreed to pay the balance. The same day the branch manager went into my acct and closed it (blaming it on automated computer practices) He then told me that at midnight the acct would be back open, which it was not. I called and tried to speak to the same branch manager around 11pm the next day but he was not in the office.
When I asked the teller to talk to his supervisor or ANYONE that could help me. She lied and told me that he was the branch manager for all Cool Springs and he was the only one who could help me. I called CS back and had no problems getting his supervisor information and left a message for a call back. I decided to call the branch manager back just by chance of reaching him. AND HE ANSWERED. He informed me that my deposit that HE told me to make was not sufficient to open the acct and I would have to put more money in it, which I did and the acct is still not open. When I asked him why did he tell me yesterday a specific amt to open the acct and now today a different amt. His respond was that the acct should not be re-opened anyways but he was doing me a FAVOR.
Usually a customer would have to open a new acct. The only reason he was re-opening my acct was because I had set up direct deposit for that acct again. It seemed his only worry was more money. They even had the audacity to make me pay for another debit card. I have several great experiences with FT but this one seems to trump all the others.