Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
On XX/XX/XXXX my wife sent out a wire a half our closing cost fund to our title company XXXX XXXX for the amount of {$38000.00}. On XX/XX/XXXX on our way to our closing we found out the thebfunds had never arrived. 

After investigating we found out that the wiring instructions we recieved were fraudulent and incorrect. 

We have now found out that the scammer had created a business domain mimicking our title companys domain with the only differences between the two was that the fake domain was missing the XXXX  on XXXX Further more the scammer had also copied the title companys email in the same fashion as they did the buisness domain. Also copied my wifes and father in laws email as well. 

The used the fake title company email to interact with my wife, and they used the other two fake emails to communicate with the title company. 

From what I can gather from back tracking emails is the scammer imbedded themselves on XX/XX/year>, they sent thw fraudulent wiring instructions to my wife on XX/XX/year> The real title company had sent the true wiring instructions to the scammers email for my wife. So.we never received the acutal true wiring instructions. Instead the phony title company email sent us there instrucions. 

After fileing a claim with our truist bank where the funds were wired from. I took the account info of the receiving account, the scammers bank account and called the First Horizon Bank, in XXXX XXXX, NC to red flag thay account. They froze the account but most funds had been taken only leaving XXXX. 

We have filed with the local police XXXX XXXX FL XXXX, sent that police report to the XXXX XXXX XXXX, filed with FBI ( XXXX ), XXXX XXXX, and sent a comlaint to thw XXXX XXXX XXXX XXXX. On top of filing a claim with truist bank ( which they have denied ), and also tried to file a claim and get a claim # from First Horizon Bank but the wont start a claim due tonthe fact we are not account holders, on top of they will not give us any information on the case. 

The bank manager admitted to talking to the person on the account and ask questions about the wire and what was it for, to which he said it was for construction job. Which is clearly false. 

I sure hope there is something you can do to help. I have questions that are not being answered, one being why wasnt this account transaction flagged when the Recipient Name on wire did not match the name on the account that received it. Why was XXXX allowed ro be withdrawn before XXXX had passed. Where do these checks and balances start and end? 

I do have much more information and evidence, ie : the name on the scammers bank account, their address, phone number, and dl number used to open the account, also have emails from all parties. Fake wiring instrucions, receipt from our bank ect.. 

I have attached the correct wiring instructions which isnthebone with XXXX XXXX, and the fradulant wiring instrucions Please help us. We lost a years wage in 24hours, not to mention the years of hard work it took to save the funds lost.

Company response to consumer: Closed with explanation