B MyBankTracker Rating

First Tennessee Bank Customer Reviews

(23 Reviews)
2 out of 5 stars
5 Star 5
4 Star 1
3 Star 1
2 Star 0
1 Star 16

The Most Helpful First Tennessee Bank Reviews

The most helpful favorable review
Reviewed By BankCustomer37922 Jun 25, 2015

Love this branch

This branch, and it's manager, Jeremy Richards, has provided excellent service to me for all my banking needs over the past 7 years. I doubt any other bank could match the personal and friendly service I have received there.

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Vs.
The most helpful critical review
Reviewed By kngreer Nov 13, 2014

No Customer Service

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.

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Latest First Tennessee Bank Reviews

  • P
    Reviewed By PuppyLove May 17, 2016

    Would be a good bank in 1980

    With all of their faxing and paper mailings. Backwards technology and crappy customer service. Definitely won't be doing business with FT again. Even if I did live in the area that they service.

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  • K
    Reviewed By Koslo Feb 26, 2016

    Will not bank with them again

    It takes FAR too long for a transaction to go through. I'll have some pending for over a week and then it'll all come out in one day, causing my account to be overdrawn (which they assured me couldn't happen). I stopped to get gas one day and my card was declined for insufficient funds. I immediately drove to the atm to find that there was PLENTY of money in my checking account. My card was declined 2 more times before I was told my debit card had been deactivated by them. For something that was their fault. It's been 2 weeks and my card has still not been activated. I went last week to have a check cashed, it took 25 minutes in the drive thru, when I drove off I opened my envelope and there was NO cash and NO receipt for the transaction she just made. She also had given me back the wrong card with someone else's account number on it. How hard is it to keep them together when I put my card right on top of my check?? It was 10 minutes before closing by the time I left and I was in a hurry and didn't have time to go back, so thought I would wait til Monday to make sure the money was at least in my account (since it takes them at least 48 hours to get it in an account anyway). Monday morning I checked my account and there was no trace of that money. I called and she said the check was cashed and the drawer balanced out at the end of the day and that it was MY fault for not getting a receipt. I'm starting a new job in 3 days and have already opened up an account with another bank, and will be closing this account when my last direct deposit goes thru mid-March. Worst service I've ever received from a bank.

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  • A
    Reviewed By angelaira Oct 29, 2015

    Dishonest Bank - Horrible Customer Service

    My mortgage from my first marriage was sold to this bank years ago. During our divorce I called this bank repeatedly to get information and the file was lost. I gave my social security number, gave my old addresses, my name... they could never find the account and could never provide me with any information. I went through bankruptcy, I rebuilt my credit, and this year I finally got a mortgage and bought a house.

    The final step to get my mortgage was to do a conference call with First Tennessee to verify that the balance due on the mortgage was $0. I called on three way conference. They refused to verify based on me not knowing the most recent address they mailed mortgage information to.
    This time I was not going to give up or let them walk all over me. I spoke to three different levels of management, and finally found someone who found the old file, and verified the $0 balance. I was approved for my mortgage.

    I had a 710 credit score. I worked 8 years to build that score after getting out of the abusive situation with my ex, taking our autistic sn with me, and working hard and paying every single bill on time for 8 years.

    The same day this bank verified my address, they added this mortgage to my credit report. My ex had been court ordered to have control of the house and be responsible for both mortgage payments. I called repeatedly to try and get information to make sure this was happening, and I was denied information every time over a 10 year period. My ex had about 8 120 day late payments in the period from 2013 to 2014, and this bank added those to my credit report. I now have a lovely home, and a tanked credit score.

    I hate this company. I hope Karma visits them for what they have now done to my son and I. I am in the process of disputing this with all of the credit bureaus, but it is only fair to warn people that they are crooked liars.

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  • T
    Reviewed By tabernacle11 Aug 23, 2015

    online banking

    your bank asks for alot of stupid security questions that I cant remember the answer too = my id was correct and would not let me even enter the password, locked my account up and called cs and w/o acct information they could not unlock it - had name, address, ss# bank user id and password...you need better customer service and better online banking. it should not matter what device i am signing in on as long as i have the correct user id and password...FIX IT!!!!!!!

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  • A
    Reviewed By ab029u Jul 31, 2015

    Home Equity Line

    In Jan. of 2006 I build a new home and obtained an equity line for 34k from First Tn Bank with both loans totaling 95% of selling price. I paid the second mortgage off several years ago but kept the line of credit in case of emergency which cost me a $50 annual fee. I received notice that as of the anniversary date of the 10th year this loan would rollover into a traditional mortgage with set payment amounts etc. I learned since I had a zero balance the HEL would be closed. Anyway today I owe 67 k (first mortgage) on a $200,000 home and I applied for another equity line with First Tn to pay off original mortgage and allow for an additional 33k credit line. Total of $100k on a 200k home. I retired on Jan 1 and have an investment portfolio of approximately half a million dollars and continue to do contract work for my previous clients (of many years) generating about 50k per year and in Feb. of 2016 I start drawing 24k per year social security and for the first time in my life I was declined for a loan due to limited income and their policy of a minimum of 2 years of proven income for independent business owners.

    In summary after 10 years of a perfect business relationship, half million dollar investment portfolio, 50% equity in my home (after new loan amount is added) and oh by the way somewhere around an 800 credit score the loan was declined. So thankful I didn't need the money!!

    There is an obvious ineptness within the underwrites of this once proud bank.

    Thankful I didn't move my investment portfolio to them!

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  • B
    Reviewed By BankCustomer37922 Jun 25, 2015

    Love this branch

    This branch, and it's manager, Jeremy Richards, has provided excellent service to me for all my banking needs over the past 7 years. I doubt any other bank could match the personal and friendly service I have received there.

    Thank you for your feedback Is this review helpful?
  • A
    Reviewed By andersonk00 Jan 10, 2015

    Great

    Wonderful

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  • K
    Reviewed By kngreer Nov 13, 2014

    No Customer Service

    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.

    Thank you for your feedback Is this review helpful?
  • C
    Reviewed By Curbe27@gmail.com Oct 28, 2014

    Disgusting Buisness Practices And Service

    After getting over $250 in overdraft charges in one day because of multiple $2 and $3 charges that added up to just under $18, tha bank managers answer was to repeat, "our policy is to only refund $70 per year for overdraft charges. " and "i will be happy to close your account if yoy like". This was a very insulting way to be treated. I have a wife at home that is 8 months pregnant with our first child.

    I make $400 a week and ftb had no problem and saw no unfairness in a policy that take a weeks pay out of my account for $18 in charges. Disgusting! As i met with the manager she didn't have much of anything to say other then to repeat the policy and offer to close the account. It was like talking to a wall. I work at an entry level job and can credit a customs up to $100. How is it that a vp of a local branch whom has been working for the bank probably nearing 20 years can only be trusted to have control over $70 to retain customers and correct obvious unfairness.

    Horrible horrible bank that preys on ut students that they know will come and go with on a few years.

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  • P
    Reviewed By paladine Jun 1, 2014

    150 Years of Service: A False Pride: Better Close your Accounts

    I had been first Tennessee customer for the past 7 years. I have 2 checking accounts and I never had more than $1000 in any one of those accounts. I use it specifically for my online purchases. All of a sudden since March it started charging finance charge of $9. I called the customer service and they told me that someone in first Tennessee upgraded my account in 2011 to a premium that requires a minimum of $5000; else it will charge a finance fee. I was never informed this account upgrade. The customer service representative was not giving me any other information either like why it was changed, who changed it and why was I not informed. In the end of the customer representative they told me that they fixed it and it should not happen again. But in April and May, I was charged again the finance charge. I again called the customer service representative and they told me that I will have to go to the branch that opened my account.

    I went to the branch and spoke to the manager; Her name is [Redacted] (4990 Poplar Avenue, 38117). She outright told me that this is how First Tennessee works, their systems will automatically upgrade the accounts and there is nothing that the customers can do about it. She also told me that all their checking accounts require to have a minimum of $5000, else the finance charge. She was rude and unwilling to work with me. When asked about why my other checking accounts in First Tennessee does not have the finance charge, she told that it is a system glitch and laughed saying "If you want the finance charge on that account, I will make it happen now;Do you want it?". At this point I lost my patience, I told her I'm going to close my account with First Tennessee and closed the account.

    After opening an account with other bank, I'm going to close all my accounts with First Tennessee. I wonder how First Tennessee stays in business for 150 years.

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