ATM Shortage

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?

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Card Fraud/Unauthorized Transaction

If your card is lost or stolen, call us immediately, at 800-382-5465.

Tips for when you suspect fraud on your Credit or Debit Card:

When you see an unfamiliar charge on your card, a natural reaction is to reach immediately for the phone. A few things can make a legitimate transaction appear suspect.

  • Retailers sometimes bill under different names.
  • The transaction may have been made by an authorized user of your card who didn’t tell you about it.

If you notice an unfamiliar charge on your card or statement, you can consider taking the following quick steps before promptly reporting a suspect transaction to us:

  • Think about whether the amount of any of your recent purchases matches the amount of the transaction in question and whether the merchant may have charged or billed under a different name.
  • Speak with people who may have or have access to the card such as household members, joint account holders, or any authorized user you may have named.

When you believe that a transaction in question may be fraudulent/unauthorized, call us promptly at 800-382-5465 so that we can begin a Fraud Claim.

  • To assist us, please review your account to identify any suspect activity and be prepared to provide us with all details regarding the charge(s):
    • Name of the retailer(s)
    • Date of purchase(s)
    • Purchase amount(s)
    • Any other related or relevant facts

What Happens Next?

  • If necessary, we will immediately freeze your account to prevent further unauthorized activity, and the fraud team will open an investigation.
  • We will close your card and issue you a new one.
  • If we determine your PIN has been compromised, we will need you to visit a local branch to complete a Statement of Facts regarding the transactions.

For more information about safeguarding your information, visit our our Security and Fraud Protection page.

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:
      • Transaction receipt(s)
      • If you have previously contacted the merchant for a refund, any prior communication with the merchant – dates, email correspondence, etc. regarding the transaction.
  • Product/ervice disputes.
    • 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.

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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.

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