In the event that you experience an issue with an ATM withdrawal, we can research your claim. It is likely we will reach out to you for additional details, so please provide your contact information in the Transaction Dispute form.
For your reference, we have listed several common questions that will assist us in researching your ATM issue. Please include answers to these questions, where applicable:
- Was the ATM a First Horizon Bank ATM, or another financial institution?
- What occurred during your transaction? (Examples below)
- Was there a time delay/did the ATM pull the cash back in?
- Was there no cash dispensed?
- Was the amount dispensed less or more than your account was charged?
- Do you recall an error message displayed on the ATM?
Card Incorrect Transaction Amount
We will open a dispute claim for you upon your request. However, you might want to consider contacting the merchant first.
In general, there are two categories of disputes:
Transactional/billing disputes (for example, you were erroneously billed twice for a single purchase or were billed too much for a transaction.
- In order for us to open a transactional/billing dispute, you will need to provide us with the following information:
Your name and account number
- The dollar amount of the suspected error
- A detailed description of what you believe is wrong
- Why you believe it was a mistake
It is of utmost importance that you submit your dispute within 60 days of the error first appearing on your statement. In the event that you contact us after 60 days, our options may be limited to assist you.
- Once we open your dispute, we may request that you forward us additional information to support your claim. Items commonly requested include:
- If you have previously contacted the merchant for a refund, any prior communication with the merchant – dates, email correspondence, etc. regarding the transaction.
- If you are dissatisfied with the goods or services that you have purchased, we may be able to assist you with a billing dispute. In order to exercise this right, all of the following must be true:
The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. We consider any purchase made online or over the phone with a U.S. company to be from your home state. (Note: These stipulations do not apply to purchases based on any advertisements we mailed to you, or if we own the company that sold you the goods or services.)
- You must have used your card for the purchase. Purchases made with cash advances from an ATM or by accessing your credit card account do not qualify.
- You must not yet have fully paid for the purchase.
- If you are dissatisfied with goods or services on a purchase that does not meet the criteria above, you may still contact us to discuss other options.
Request Copy of Sales Draft
As your funds issuer, First Horizon Bank can request a Sales Draft from a merchant. A Sales Draft is a duplicate of the original transaction receipt. An Authentic Sales Draft must include the following information to prove the validity of the transaction:
Merchant name, physical address, and online address where applicable.
- Transaction description, date and amount, and whether the transaction was a purchase or credit.
- Card type, number and expiration date, authorization code, and cardholder name.