First Tennessee Bank

Report Card
Overall Grade
Mortgages Grade
Credit Cards Grade
Bank Account Services Grade
First Tennessee Bank is rated overall in the top 73 percentile (out of 100) based on 233 customer complaints.


Complaints Currently In-Progress
Complaints per $100K of Deposits14.3
Complaints Resolved in a Timely Manner98.7%
Resolutions Disputed by Customer24.9%
Average Time Until ResolutionUnknown

Financial Report

Owner CorporationFirst Horizon National Corporation
EstablishedJanuary, 1864
FDIC InsuredJanuary, 1934
FDIC Certificate #004977
Number of Branches188
Total Assets$23.8 Million (43rd)
Total Deposits$16.3 Million (45th)
Total Equity$3.2 Million (39th)
Quartarly Net Income$58.1 Thousand (41st)

Contact Information

Corporate Headquarters
165 Madison Avenue
Memphis, TN 38101
United Statesflag
Data Summary
First Tennessee Bank logo

Grade Summary

Overall, First Tennessee Bank received a grade of "B" based on how quickly the company responded to complaints, how often customers disputed their final resolution, and how many complaints were recieved per customer.

Grades are also broken down by the financial products offered be each institution. First Tennessee Bank is rated "B-" in Mortgages, "A-" in Credit Cards, and "B-" in Bank Account Services. Click on any of the financial products to see how First Tennessee Bank compares.


First Tennessee Bank has received 233 consumer complaints since December, 2011 – more than 95% of other banks.

Of those complaints, 98.7% of complaints were resolved in a timely manner. The CFPB allows 60 days to resolve complaints before considering them 'untimely.' First Tennessee Bank meets the 60-day response deadline more frequently than 51% of other banks.

After companies respond to complaints, customers may dispute the response indicating that the issue was not resolved adequately. 24.9% of customers dispute First Tennessee Bank's response to complaints — worse than 78.8% of other companies.

Most of First Tennessee Bank's customers complain about mortgages with the primary issue being "loan modification,collection,foreclosure."

First Tennessee Bank is primarily a commercial bank with a commercial lending specialization. First Tennessee Bank is based in Memphis, Tennessee and is the 43rd largest FDIC insured bank in America.

Naturally larger banks receive more customer complaints than smaller ones. This does not necessarily indicate that a bank is better than another in terms of service and customer support.

However, even after adjusting for bank size and number of customers, First Tennessee Bank receives far more complaints than most other banks. First Tennessee Bank recieves more complaints per customer than 98% of other banks – customers are significantly more likely to file complaints than customers of most other banks.

Corporate Headquarters
Complaints by Product
Complaints by State
Complaints Against First Tennessee Bank
#Financial ProductSub-ProductComplaint IssueComplaint Count
1MortgageOther mortgageLoan modification,collection,foreclosure32
2MortgageHome equity loan or line of creditLoan servicing, payments, escrow account24
3Bank account or serviceChecking accountDeposits and withdrawals20
4Bank account or serviceChecking accountProblems caused by my funds being low17
5Bank account or serviceChecking accountAccount opening, closing, or management17
6MortgageOther mortgageLoan servicing, payments, escrow account17
7MortgageConventional fixed mortgageLoan modification,collection,foreclosure16
8MortgageHome equity loan or line of creditLoan modification,collection,foreclosure13
9MortgageConventional fixed mortgageLoan servicing, payments, escrow account13
10MortgageConventional adjustable mortgage (ARM)Loan modification,collection,foreclosure8
Responses From First Tennessee Bank
#Company ResponseResponse CountTimely Response CountDisputed Count
1Closed with explanation175173 (98.9%)49 (28%)
2Closed without relief4544 (97.8%)12 (26.7%)
3Closed with monetary relief2020 (100%)3 (15%)
4Closed with non-monetary relief88 (100%)1 (12.5%)
5Closed with relief55 (100%)0 (0%)
6Closed44 (100%)1 (25%)
Complaints over the Past Year