First Horizon National Corporation

$2000 check that I depositnis hold. First excuse, the bank the check came from was from out of state. Second excuse, they where investing the check. Third excuse, I'm on over draft. THAT IS THE REASON I DEPOSIT IN THE FIRST PLACE. Final excuse because of the relationships between the bank and me... WHAT IN THE HELL IS THAT... This bank never calls to see what's going on or anything. Now I find out I'm driving with no insurance because payment never went threw. If it wasn't for me trying to get a new vehicle and called my insurance company, I would've never known until I got pulled over or something. I deposit March, 24, and I can get my money until the of April, we'll then they said the 6th and I just got off the phone and they said until the 5th.

First Horizon Corporation is among other stealers.

Are you aware that Banks stolen people 401k IRA and Retirement over $12T?

Yes at least 264 Banks did so bad to all of us from the last 20 years.

We all are victims of the 1%; Hillary will win because the %1 paid to have her do the dirty work for them, Learn their secrecy of stealing here: https://1drv.ms/f/s!Aqs7zg7dRLmHaiosKlumjfcYTQk

First Horizon loves to associate with Nationstar. Nationstar bought discharged loans for sub-penny, in other words, 1400X below value to steal people properties, after BIG BANKS already stolen our retirement in [protected]. Don't forget, they also got our deferred Bail out tax dollars in 2010-14.

You will be shock to learn how our parents, and family got ripped off since the last 20-years. They paid crooked lawyers and judges to get rid of your lawsuits so quickly too, by dismissing all your claims, using their misrepresented loan contract. Yup, they are not loan servicers as they claimed. They are actually fraudulent loan originators. Because they never lent us their moneys They lent us our retirement moneys and gave fictitious 401k reports like Bernard Madoff. They will do the same crash again in the future.

We listen, we understand, we care. Most importantly, we want to help you.

That is the beginning of your own letter sent out to your customers.

That is also a joke.

I have been trying to talk with anyone who knows anything about the Loan Modification that I submitted the paperwork for back in February. Oh, but your paperwork will show it being received at the end of March because it took over a month to be uploaded into your system. When I was told that it would take 10 to 15 days to upload after it is received. I have called at least once a week, basically every time you leave a message on my phone telling me that I am delinquent in my payments, I call your company back to find out what is going on with the Loan Modification.

Normal calls include at least a 30 minute wait on hold.

Then I ask about my Loan Modification and your employees then proceed to tell me that it is under review. I have repeatedly asked that a note be put in my file for someone to please contact me and at least let me know where the Loan Modification is at and/or do I need to send more information to help the process.

I find it ironic that for the last 7 months I have not heard one word from First Horizon regarding the Loan Modification but I have received numerous letters telling me that my house will be foreclosed, that my case has now been forwarded to a Lawyer and I will be responsible for the cost. But the same day that I got the letter about the Lawyer and the cost of all of this I also received a letter from you stating that if I cannot afford to bring my account current that I should consider the following options and if I do it may delay or even alleviate the current legal action. One of the options to choose from is a Loan Modification which I have been trying to do with your company for 7 months now. So my questions is if a Loan Modification can delay or even alleviate the current legal action then why am I receiving letters that say that the necessary required documents have been forwarded to your Attorney to initiate foreclosure proceedings when in fact I am and have been trying to get a Loan Modification completed?

Please review my file, you will find that I did have 3 months of my Mortgage saved and I put that in my initial letter that I did tell them that I would become delinquent in July. That I have called repeatedly and have made no progress what so ever. I was not asking for the Loan Modification to be complete I was just asking for an update other then, "It is under review." I do not think after 7 months an update was to much to be asking for. The last employee of yours that I spoke with, Martine, said that she did not understand why someone has not called me back? That maybe I should resubmit my paperwork. She is telling me to go back and do work that I don't even know if the person reviewing my case even wants. I informed her that all the information is in the new packet that I sent and you have received 9/16/10, the packet is requesting to stop the Loan Modification and start a Short Sale.

I am now requesting a Short Sale. I am hoping that this process goes smoother then the Loan Modification. I know you received the packet that I sent on 9/16/10 at 9:54 am. I know this because as before I sent this with tracking. One of your employees informed me that your Loss Mitigation department can tell me if paperwork was received when it is received. I agrued with him telling him that I have been through this before and that I was told that it would take 10-15 days to upload in your system he said no that they will be able to tell me that paperwork was received. He was greatly mistaken because when I called to see if you have record of the paperwork that you received on 9/16/10, I was told that it takes 10-15 days to upload in the system, Martine told me that. My point to all this is that your employees who actually answer the phones are poorly informed and do not help your customers at all when we are requesting information about pending Loan Modifications. Other then to inform us, "that it is under review."

If my Loan Modification was truly assigned to someone and it has been under review for 7 months. Really how hard is it to establish debt to income ratio and if I can truly afford my home or not? Or at least contact me to let me know if I am missing paperwork or to let me know what is going on with the Loan Modification. I do not think that I am asking to much.

If you truly do stand by your own statement, "We listen, we understand, we care. Most importantly, we want to help you." I would think that my situation would be looked into and that I would be contacted and informed as to what happened with the Loan Modification and if you have record of at least receiving the Paperwork requesting a Short Sale.

We listen, we understand, we care. Most importantly, we want to help you.

That is the beginning of your own letter sent out to your customers.

That is also a joke.

I have been trying to talk with anyone who knows anything about the Loan Modification that I submitted the paperwork for back in February. Oh, but your paperwork will show it being received at the end of March because it took over a month to be uploaded into your system. When I was told that it would take 10 to 15 days to upload after it is received. I have called at least once a week, basically every time you leave a message on my phone telling me that I am delinquent in my payments, I call your company back to find out what is going on with the Loan Modification.

Normal calls include at least a 30 minute wait on hold.
Then I ask about my Loan Modification and your employees then proceed to tell me that it is under review. I have repeatedly asked that a note be put in my file for someone to please contact me and at least let me know where the Loan Modification is at and/or do I need to send more information to help the process.

I find it ironic that for the last 7 months I have not heard one word from First Horizon regarding the Loan Modification but I have received numerous letters telling me that my house will be foreclosed, that my case has now been forwarded to a Lawyer and I will be responsible for the cost. But the same day that I got the letter about the Lawyer and the cost of all of this I also received a letter from you stating that if I cannot afford to bring my account current that I should consider the following options and if I do it may delay or even alleviate the current legal action. One of the options to choose from is a Loan Modification which I have been trying to do with your company for 7 months now. So my questions is if a Loan Modification can delay or even alleviate the current legal action then why am I receiving letters that say that the necessary required documents have been forwarded to your Attorney to initiate foreclosure proceedings when in fact I am and have been trying to get a Loan Modification completed?

Please review my file, you will find that I did have 3 months of my Mortgage saved and I put that in my initial letter that I did tell them that I would become delinquent in July. That I have called repeatedly and have made no progress what so ever. I was not asking for the Loan Modification to be complete I was just asking for an update other then, "It is under review." I do not think after 7 months an update was to much to be asking for. The last employee of yours that I spoke with, Martine, said that she did not understand why someone has not called me back? That maybe I should resubmit my paperwork. She is telling me to go back and do work that I don't even know if the person reviewing my case even wants. I informed her that all the information is in the new packet that I sent and you have received 9/16/10, the packet is requesting to stop the Loan Modification and start a Short Sale.

I am now requesting a Short Sale. I am hoping that this process goes smoother then the Loan Modification. I know you received the packet that I sent on 9/16/10 at 9:54 am. I know this because as before I sent this with tracking. One of your employees informed me that your Loss Mitigation department can tell me if paperwork was received when it is received. I agrued with him telling him that I have been through this before and that I was told that it would take 10-15 days to upload in your system he said no that they will be able to tell me that paperwork was received. He was greatly mistaken because when I called to see if you have record of the paperwork that you received on 9/16/10, I was told that it takes 10-15 days to upload in the system, Martine told me that. My point to all this is that your employees who actually answer the phones are poorly informed and do not help your customers at all when we are requesting information about pending Loan Modifications. Other then to inform us, "that it is under review."

If my Loan Modification was truly assigned to someone and it has been under review for 7 months. Really how hard is it to establish debt to income ratio and if I can truly afford my home or not? Or at least contact me to let me know if I am missing paperwork or to let me know what is going on with the Loan Modification. I do not think that I am asking to much.

If you truly do stand by your own statement, "We listen, we understand, we care. Most importantly, we want to help you." I would think that my situation would be looked into and that I would be contacted and informed as to what happened with the Loan Modification and if you have record of at least receiving the Paperwork requesting a Short Sale.

Thank you,

Tammy Eversole

As of (06/02/2008) my First Horizon H.E.L.O.C. was closed. I was given no notice even though the customer service representative said a letter was sent last week of 05/26/2008. I have made all my payments but First Horizon made the business decision to close my account in where I can only pay my bill. After searching many websites I found that First Horizon closed their Home Equity Loan center last year. No one from First Horizon has made their consumers aware of this. I would have appreciated a letter stating my contract terms, a reasonable explanation for closing, what the options are, etc..etc...I signed up a bank account just over a month ago to be able to transfer funds between my account and my H.E.L.O.C. I am sure that the representative knew about their H.E.L.O.C. division closing and didn't say a word to me. This is poor communication between the customer and the bank.

I was VERY disappointed when I saw on the web page of the online payment option that a fee will start being assessed. I called first horizon and they said it would be 11.00... I fail to understand why a fee needs to be assessed. I am not going to pay online anymore... It saddens me because I pay ALL my bills online and first horizon is the only one charging a fee now... I would think most companies would want their customers to use the internet for transactions because it is cheaper... Won't it cost more for first horizon to process checks now if many people will not use the pay online option anymore because of the 11 dollar fee and send in their checks instead..? Too bad..This is a step backward...

Hopefully enough customers will complain and we can have free online payment processing again.