Consumer complaint received 2016-02-17
Company: FIRST HORIZON BANK
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am an XXXX and work through online sites such as XXXX ( formerly known as XXXX ) XXXX for clients. I started working for XXXX XXXX from XXXX on XXXX/XXXX/16. He asked if I wanted to take a job that would require me to XXXX XXXX XXXX word articles and I would get paid {$5000.00} for them upon completion. I would get paid in weekly installments after turning in XXXX XXXX per week. I had completed XXXX jobs for XXXX in the past. XXXX I was paid through XXXX. XXXX I was paid through a personal check which cleared and the funds were deposited with no problems. When I contacted XXXX about the XXXX payment for the XXXX XXXX ( in the amount of {$420.00} ) he would not give me a straight answer as to when the check was put in the mail. He would just say " a day or so ago '' and then later said he was stuck in a snowstorm in Colorado. In the past I was told when the payment was sent on the exact date and had good communication. So I started getting suspicious. I contacted the XXXX 's client that I was doing the writing for, XXXX XXXX XXXX XXXX XXXX, just to let them know that I had not received payment from him and had not received any new work orders from him in order to give them a heads up. They originally requested XXXX to have me write XXXX articles in one month and at the rate we were going, that was not going to be possible. A few days later, XXXX contacted me by email, saying that I badmouthed him to his client and offered to steal his work ( do the work for his client without him being the middle man ). I still had not received payment at that time. That email was sent on XX/XX/XXXX. During that email conversation, I let XXXX know that I did not want to work for him any longer. On XXXX XXXX I received a check in the mail for the amount that I was owed for the work due. I assumed that he was going to go ahead and make good on his payment since I did the work for him. I deposited the check into my account at First Tennessee Bank. The money was not directly deposited and I called the bank to ask why and they let me know that it would not go into my account until the next day after XXXX. The funds were then put into my account and I used them to pay bills, etc. On XXXX XXXX the check was returned to my bank and I now have a negative balance of - {$360.00} that I owe to the bank. When I contacted FIrst Tennessee Bank they told me to contact the person who wrote the check to see if it could be resolved. I tried and got several rude responses along with XXXX acknowledging that he cancelled the check after it was put in the mail. So I have to pay my bank back because he sent me a cancelled check. When I contacted FTB again, they said it was my responsibility to pay because I signed the check and I did not call XXXX 's bank beforehand to ensure that the funds were available. The problem is that the funds would have been available at that time, he cancelled the check later on. I want to know what I can do because I do not feel like I should be responsible for the {$360.00} that I owe the bank since that was money I was paid for work that I completed. Should n't XXXX 's bank account be the one that is in default instead? His Bank is XXXX XXXX XXXX and his information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. The check was in the amount of XXXX and the check number is XXXX. Account number is XXXX.

Company response to consumer: Closed with explanation