Consumer complaint received 2021-08-19
Company: FIRST HORIZON BANK
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX Friday XXXX, XXXX I went to Iberia Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX to open up a business account. XXXX XXXX is the assistant manager which assisted me with opening up an account. According to Iberia Banks mission statement, it states they Provide exceptional value-based client service. XXXX was very rude, unprofessional, and did not provide exceptional value-based client service. As we began to open the account she asked who was my employer. My response to her was Im XXXX. Then she asked about my occupation. I told her I was an XXXX. Her response was XXXX  ( sarcastically and condescending ). As we proceeded she asked the name of my company. 

Once I told her the name of the company she asked was a XXXX XXXX XXXX or XXXX or something. My response was no, I just told you I was an XXXX. Next, I asked if the bank had counter checks. Her response was how much was my deposit. I asked her how much do I have to deposit in order to get a counter check. XXXX said I need to know the amount in order to give you a counter check. Ive been in banking for over 15 years. Rather, a customer deposits XXXX XXXX dollars or XXXX XXXX XXXX dollars. It's irrelevant. Counter checks are supposed to be available to any individual who opens an account. 

At the end of opening the account I asked her can I set up my online banking at home or do I need to set it up in the branch. Her response was I can do it at home. Once I got home I was informed that I couldnt set it up. I called XXXX and asked about setting up my online banking. Her response was they will send you an email. I have no problem with getting an email however, I asked her if I could set it up at home before I left the bank and her response was yes. Not to mention I never received an email. 

Monday, XX/XX/2021, I went back to Iberia bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX. I spoke with the Banker by the name of XXXX, who was very nice and polite along with the other banker that sits by the door. During the process of XXXX closing my account, XXXX walked over. XXXX asked why Im closing my account with the company. I explained to her that my reason was that Im uncomfortable banking here due to her behavior on Friday. I also said that she questioned my occupation twice. She made a big deal about the counter checks as if you have to make a deposit for a certain amount to receive a counter check. I also told XXXX XXXX I felt as if she treated me unfairly. 

Her response was that she had food poisoning and she did not want to throw up on me. We are all adults here. If she allegedly wasnt feeling well she could have easily said that or let the banker in the lobby open the account. As a manager, she is held to a higher standard. I understand that everyone gets sick but that does not excuse her behavior. I honestly feel I wouldve enjoyed having an account with Iberia. The company offers a lot of products and has great perks. My account was closed due to XXXX XXXX behavior not because I disliked the bank. 

I feel as if I was discriminated against due to my race and occupation. According to The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Im not looking for anything from XXXX or the company. This letter is not to terminate XXXX XXXX. This letter is an eye-opener for the company because XXXX poorly represents the company. I feel this is an issue that needs to be strongly addressed sooner than later.

Company response to consumer: Closed with explanation