Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
As I am going through my statements I am seeing that the transaction times are incorrect. My account was not allowed to be overdrafted {$1000.00} I even called my bank location on XXXX XXXX in XXXX, La to get an increase because I was going through a life emergency when I overdrafted my account. I tried to pay my rent in XXXX in the amount of {$1000.00} on my online portal and I received a failed payment notification from my apartment complex. At the time I had a small amount left in my account but not enough to pay an online transaction. To stop my eviction I withdrew personally on the XXXX in the amount of XXXX twice which was allowed. Anything after that the bank screen would tell me insufficient funds. I also noticed the XXXX transaction in the amount of {$500.00} is being considered overdraft but it was not due to me paying them after my pay day from my job which I was not in overdraft at the time. I also paid this company {$500.00} before began receiving a refund and payments that not too long ago brought my overdraft down to the XXXX mark. MXXXX XXXX was on auto pay which took the overdraft back up to the XXXX because I forgot my XXXX was on autopay connected to this account but that bounced too. Which the overdraft fee should have been waived since the bill was not successfully withdrawn. From XXXX to XXXX I have been paying down my balance. On XX/XX/XXXX I noticed a payment a little over {$550.00} was deposited into my account. I thought it was a correction by the bank for overcharging me. I received a deposit to the account on XX/XX/XXXX that has been taken and now I am noticing my account has been closed and my account is reflecting I owe over {$1500.00} all of a sudden. Please investigate this matter. It seems like all of my transactions have been miscalculated due to the bank not doing their due diligence and keeping my transactions up to date and now they have tried to back track on transactions that were already posted and showing my remaining balance. I've paid attention to my account and have always paid back my overdraft amount in a timely matter. I did go through a major hardship as a single mother with XXXX kids both age XXXX and XXXX which caused me to take a little longer to pay down my {$1000.00} overdraft balance. But the fact of the matter is my overdraft balance was not allowed to be over {$1000.00} and even calling in to verify for myself and try to have the limit overrided to pay more bills, I was denied and told there was nothing they could do and that the overdaft limit was based on how long I've banked with first horizon and proven relationship through money management. So, there is no way my account was {$1500.00} plus in the negative due to my limit. Please reconsider my relationship with this bank. With XXXX deposits in the amount of XXXX totaling {$970.00} and a due balance overdraft amount in the $ XXXX that amount should have been paid back in full as of yesterday, XX/XX/year> leaving me roughly with {$300.00} in my account and back in good standing. I called the XXXX, La XXXX XXXX location today XX/XX/XXXX to get this resolved. I was told the account was charged off but I would be given a call back after letting them know the amount is incorrect but I did not receive a call back. I have now resolved my financial hardship and would love to continue banking with First Horizon. Please help me resolve and reconcile this matter as soon as possible. I would love to continue my partnership with this bank by reopening a new checking account.

Company response to consumer: Closed with explanation