First Horizon National Corporation

by kasie proehl From Canton, GA on August 11, 2011

by Monica Lavender From Coatesville, PA on July 31, 2011

by You Don't Care From Arlington, TX on June 30, 2011

I love to hear all you people cry and complain about how unfair the banks are. However, I ask you did they tell you to go out and buy a house most of you couldn't afford in the first place? I bet you weren't calling them frauds and then when you did your interest only loans and no income qualify loans then were you? Oh the banks were so awesome then. But now that YOU are asked to honor your side of the contract you scream and holler Fraud!!! What a joke. Most of you spend $200 a month on cell phone bills, and cable TV, drive cars you can't afford and try to keep up with the Jones' but the Bank is the bad guy. REALLY!!! Why don't most of you take responsibility of your own actions and admit you bought more than you can afford. Go sell one or two of your 4 Big Screen TV's and pay your mortgage. Quit eating at Applebee's every night and complaining about how unfair the bank is. I don't see anyone complaining about the 19% Interest you all pay on those credit cards that you all use to buy stuff you can't afford.... Your right God Bless America. It is everyone's fault but your own.... Wow, what has America Come To!!!!!

by by Anonymous From Coventry, RI on February 27, 2011

i have been looking into class action i think they sneak fraud bankers just changed name of to metlife they don't even have different employees let me know about any class action or new interview i can do

by Kristine Martinez From Fresno, CA on January 25, 2011

no interest in helping what so ever!!!!

by Anonymous From Antelope, CA on January 21, 2011

by Anonymous From Fitchburg, MA on January 05, 2011

Maria Torres is a liar and First Horizon should be sued for the emotional stress and lies it has feed to all of us. I'd like to know just one person that has been helped by this company? Funny I continue to keep getting letters that "they understand" but I continue to keep sending the same paperwork that I sent 2 months prior. I hope this company rots in hell!

by navyb From Las Vegas, NV on December 16, 2010

I sat here and read all these, and gotten ahold of their corporation office, and email for Robert Henrikson (president of metlife)which I'm forwarding my 3rd letter of financial hardship to Maria Torres, who is so worthless, lied. She sent me a 3 months trial, which I completed, and turned around asking for 2x total of $4574.98, and now our file is transfer to another rep. I hope to God that we could get approve for Obama's home Loan Modification or just approve us on the Type 2 forbearance. but call the #s that someone else already post it; Had good success after a call to Senators office. Senators office light the fire under these clowns. Try these supervisors numbers: 214-441-4541 Bufford 214-441-4556 Johnson 214-441-6013 Williams. Also contact Corp Relations at 212-578-5766. This will light a fire. Had same experience..

by Anonymous From Jefferson City, MO on October 14, 2010

Call Tiffany J. at MetLife executive offices - 214-441-4556. Also, contact your state Attorney General!

by Kathy From Fulton, MO on October 05, 2010

DO NOT Fool yourselves - This company or any other mortgage company is NOT interested in helping ANY OF US!!! After 2 long years of being lied to, bullied, and played games with, MetLife has decided to give me a chance to save my house - They said I need to make 5 payments at the original amount - I was skeptic because of all the BS they have put me through! I read the documents they wanted me to sign word for word and I'll be damned - they have it as $502 a month for 5 months with and then the balloon of over $12,000 would be due for the 6th payment - and then MAYBE they would lower my payments! HHHHMMMMM - just more BS!!!!!

by Mary From Hilton Head Island, SC on October 03, 2010

Please do not let these "punk" First Horizon employees force you to think about suicide. Bankruptcy is much easier than suicide, yes! your credit is ruined for 10 years - who cares!. I have purchased 11 residences on bad credit. Please, this is not the end of the world - it is a house. Even if bankruptcy ruins your credit for 10 years, you can buy a house through VA or FHA after 4 years. Personally, I have never qualified for either a VA or FHA loan. Please do your research.

by anil sharma From Ferndale, WA on September 16, 2010

First Horizon bank is the worst bank. I have provided them with every document they requested and after dragging it out for 6 months they denied a loan modification.

by Tina Parker From Grain Valley, MO on September 04, 2010

by christie From Lewiston, ID on August 31, 2010

I am close to suicide because of this company. Even with everything owed back they still want to foreclose.

by Anonymous From Nampa, ID on August 31, 2010

by First Horizon Class Action From Bend, OR on August 14, 2010

FIRST HORIZON - MET LIFE Class Action Possible! I have hired an attorney to sue First Horizon for breach of contract. In short, we had an all in one construction loan that would automatically rollover to permanent financing. After we broke ground on the new home First Horizon National said that MET LIFE bought us and we had to find a new loan because ours "did not exist". After completion of construction of our home, First Horizon National started foreclosure stating we "failed to modify". We have representation now, and if anyone has a similar case as ours we may be able to put together some sort of additional class action suit against these bankster criminals. Please email details of what happen to you. Please be precise! Give the dates of what happened to you in a time line, and please give good contact info in case my attorney wants to verify info from you. email service@fhnclassaction.asaim.com

by Kathy From New Bloomfield, MO on August 10, 2010

Did some more research and found the following - GO TO YOUR COURT DATE! Make your mortgage company prove they own your mortgage - statistics have it that only about 50% can prove they own your mortgage! The tricky part is finding out when your foreclosure date is! Good Luck!!!

by Kathy From New Bloomfield, MO on August 06, 2010

Well, my battle is over! My house will be foreclosed on in 60 - 90 days. Want to share with you all, give you a heads up - Maria Torres told MetLife that she did not receive the information I faxed back in January until April 20 (I confirmed in January that they received it), she said she sent me a letter in May requesting information (funny, I didn't get anything from MetLife in May) - still haven't received a call from Maria herself - The thing is, I have been denied any kind of modification because I am deemed uncooperative - I DON'T RETURN REQUESTED INFORMATION IN A TIMELY MANNER! These people, our case workers, report to whomever owns our loans - that is how they make their decisions! They can lie and they do. All hope is gone - this has made me physically ill and I can't take it any more! They have won - my family and I have lost! Wish I could say good luck to you all but I just don't think we are meant to keep our homes! I'm sorry!

by steve From Westport, MA on July 27, 2010

Does anyone know a lawyer for a class action suite? I'm 47 years old ,i was given a no document loan with the idea of being able to go into a fix loan, instead all of a sudden they shut the door change the rules , no doc loans , are no longer acceptable loans, illegal loan?, so they brought my percent up to 12% made me go broke,trying to save our home, call me at 508 938-0304, my wife is suicidal over this, does anyone know of a class action suit. they are wrong not us who the rules suddenly changed on.

by Kathy McCoy From New Bloomfield, MO on July 26, 2010

I wish there was something we could do but I am afraid we are just screwed by the big man one more time. Numbers is the only way to go, seems like the media has just dropped this story like a hot potato! What do you all think about going to Washington D.C.? I know it sounds far fetched but I am desperate - WE ARE LOOSING OUR HOMES - even after Obama gave them our money to bail them out and to help us!! The person working on my modification has not even touched my file since 4/20/10! Always the same crap - different day with them! justme63392002@yahoo.com

by John Easton From Seattle, WA on July 24, 2010

FH is a fraud company, after being sold to Metlife, they shouldn't be using the old name, they are part of Metlife, then Metlife too wanted to be sneaky not recognizing FH's fraud. Theirs games went on and on, no body is stopping them, this country is worst then communist country.

by Martin Lauer From Olathe, KS on July 19, 2010

I am in the same boat with out paddles. Everyone is griping but it is only one voice at a time trying to be heard. Is it not time that we all band together, the power of numbers, pooled our money together and found a law firm of reputation that would be willing to file a class action against First Horizon/Met/Met Life and First Tennessee Ban. As attorneys cost money why do we not band together and in numbers bombard Buford, Johnson and William which are , I believe, in Texas are elected officials and should have power both in Texas and in Washington. Let the power of numbers do the talking talk class action and sue for past and present damages. The only way you are going to get their attention is by hitting them hard in the pocket book.

by Elk Grove, CA on July 11, 2010 From Elk Grove, CA on July 11, 2010

I'm laughing, pissed, and am not feeling alone as I read all of your comments about FH. This company has taken my family on a long 18 months ride. We had two third party helping us on getting a mod. No success. Then we had to file bankruptcy due to a CC. Had numerous contacts with FH on our review while in Bankruptcy. No one told us to reinstate new packet during bankruptcy and that Foreclosure continues. Someone finally told me this and so I gathered all information ready. Right when i was going to send it, we got a letter that our house was going to be auctioned on July 15, 2010. We were told to overnight it and did so---with no guarantee of stopping this sale. We never got a call or letter saying they put a hold on our sale date. I had called checking on Foreclosure procedure and was told the hold was made on JUne 25, 2010 and that we are in Review starting June 28, 2010 for 4-6 months. I got the processors name but can not be given his number because he is negotiating a mod for us and others. I just need to save up so when a mod is presented, I would be ready. We have to get a good mod to stay because our house is going to adjust in a year too. When we got our letter of the Sale date, we searched for a house furiously. We finally found a house to rent and now stuck in between leaving or staying. Hearing all these stories, I think at the end, we will probable lose our house. We have decided to move out so we know that we will have a roof over our three young boys ages 2, 4, and 6. I feel that my family have been through so much. We've never filed Bankruptcy and always paid on time too. One day hopeful, the next day stressed out. And now knowing nobody has really got anything out of FH, we have filed Bankruptcy so what's to lose. Walk away from our dream house ...the house that we can afford to pay if we could just get some kind of help. I don't know if I'm making sense anymore---- tonight, my 6 year olds uncle gave him $1.00 and he came running to me saying "Mom, we can buy a house now!" What can I say....he's so SMART and FH....they just broke a young boys dream....a home to live in. A law suit is a GO for me.

by Anonymous From Boulder Creek, CA on July 01, 2010

by Anonymous From Elkhart, IN on June 15, 2010

by Dan Feeney From Birdsboro, PA on June 03, 2010

Will not help us. They keep wanting more info each time we send what they want.

by Kathy McCoy From New Bloomfield, MO on April 30, 2010

AMEN LOST HORIZON - AMEN!!!

by lost horizons From Hampton, NH on April 27, 2010

lost job after 35yrs cash in 401k work with first horizon over one year same frustration as all of you missed paper first american back to first horizon submit paperwork 3 times now there starting foreclosure God Bless America

by Bill McGee From Louisville, KY on April 19, 2010

by Kathy McCoy From New Bloomfield, MO on April 08, 2010

Thomas Jefferson said in 1802: 'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property - until their children wake-up homeless on the continent their fathers conquered.'

by Jodi From Frederick, MD on April 08, 2010

First Horizon has 22 days to respond to my complaint with the BBB. I don't expect anything remotely positive to come of this, BUT felt it necessary to voice my opinions and concerns! Follow the BBB link in the left hand column of this site and file your complaint! FIGHT BACK! WE HAVE TO BAND TOGETHER AND AT LEAST TRY TO HELP EACH OTHER!

by Anonymous From Salem, IL on April 06, 2010

by john From Keyport, NJ on April 06, 2010

met life mitigation department not even answering the phones after going through a barraged of automotive messages

by Jodi From Frederick, MD on April 06, 2010

Scott, I filed a complaint with BBB. I'm sure it can't hurt anything for everyone to file a complaint. Doubtful that it will help, though....

by Darlene From Woodstock, GA on April 05, 2010

I entered into a trial period payment plan in May,2009. Actually went through another one with out any word of a modification. I was told my file had been rejected on February 17th for not meeting the minimum debit to income ratio. I make $32000 and have 3 children with no support. I was asked to resubmit my financials and did so. It was mistakenly sent back to the same company, First American, which they had stopped using, I was told my file was in the office on 3/25 but had not bee assigned to a reviewer yet. Not to worry, I was not in foreclosure. On April 2nd, I received a foreclosure sale date of May 4th via certified mail! WHAT????? FIrst Horizon said they never told me I could not be foreclosed on. I called the escalation dept at HOPE and the rep and i did a three way. First Horizon said she would put in a request to stop the foreclosure date and that by the 13th, I should have a reviewer. I have many sleepless nights ahead of me and risk losing my home of many years to a foolish process I believed in.

by PAG From Lawrence, MA on April 05, 2010

Been fighting with First Horizon 2+ years. The finally asked me for a payment - they came up with an bad mod - but we need time - so we sent a bank check like they asked before the deadline. Now they claim I did not send the check but the did receive the docs we signed. Bank check - payable to them - stapled to the docs send overnight express with signature + delivery confirmation. They have no intention of working with the homeowners. Remember it is in their interest to get as much money from you - then foreclose and write off as a lose.

by Kathy McCoy From New Bloomfield, MO on April 03, 2010

Las Vegas, don't know how long you have been dealing with these asses but yours is the same story as millions of people and identical to what I have put up with for over a year. I keep hearing that Obama Nation is going to help but nothing ever materializes except his excuses and cooking of the books. I think the Government has a lot to do with us all loosing our homes! The problem is that we aren't a multi million dollar bank that is having problems, THEN we would be taken care of. - the rest of us working class AMERICANS would foot the freaking bill! And to those who have been able to make their mortgage payments on time - YOUR REWARD IS THAT YOU GET TO KEEP YOUR HOMES AND JOBS WITHOUT THE HELL WE THAT LOST OUR JOBS HAVE TO GO THROUGH! SO STOP YOUR WHINING BECAUSE SOMEONE NEEDY MAY GET MORE THAN YOU!!! I CALL THAT JEALOUSY AND CHILDISH!!!!

by Anonymous From North Las Vegas, NV on April 01, 2010

We have mailed everything besides our blood type to save our home and still is being told "its being worked on" and now we are receiving letters stating if your having problems paying your mortgage please call so we can help. That has not helped at all. They get our paper work and we hear nothing from them for over 2 months and we call were told "its being worked on". I just want to work something that will allow me to save my home.

by Scott From Gilroy, CA on March 31, 2010

Will it help if we all reported First Horizon to the Better Buisness Bureau?

by Kathy McCoy From New Bloomfield, MO on March 27, 2010

I don't know if anything will help! What about us that are behind because of our mortgage companies are telling us NOT to make payments - that we have to be 2 months, then 3 months behind? What about us that have less than perfect credit because of our missed payments? Feeling pretty hopeless today!

by Jodi From Frederick, MD on March 26, 2010

Will this really help us? http://www.nytimes.com/2010/03/26/business/26housing.html?th&emc=th

by Kathy McCoy From New Bloomfield, MO on March 26, 2010

Just wanted everybody to know that your great President has come up with another plan to help us save our homes. Hope this one works better than the last one that the Government "cooked the books" on to try and convince us that it was such a success! Good Luck Everyone!

by Jodi From Frederick, MD on March 23, 2010

Kathy, thanks... as soon as I saw the link for ABC News, I posted my story on there as well. Thank you for sharing the link. I wish you and everyone else out there the best of luck. We're all in a very difficult situation that hits so many levels of our lives.

by Kathy McCoy From New Bloomfield, MO on March 23, 2010

I doesn't help that they tell us NOT to make a payment, that will show that we can afford the payments we have - after we miss payments, they tell us that we should have been making payments! They don't care, they have stupid people giving us advice, people that don't know what they are doing! With all this, our credit is suffering, how can we have perfect credit when we are behind on our payments??? I just pray that something is done to control these money hungry mortgage companies before too many more of us loose our homes!

by Jeff Benjamin From Johnson, VT on March 22, 2010

I find it ridiculous that First Horizon does not accept partial payments for borrowers that find themselves in a financial situation and slip a month. Every month perpetuates the problem and causes me to be unable to catch up.

by Kathy McCoy From New Bloomfield, MO on March 21, 2010

Jodi, haven't heard - actually, I have only heard about 1 person getting a loan modification. Be sure and share your story on ABCNEWS.com. It's about time the media took our story. Good Luck in everything you do - in this economy, we all need it!

by Jodi From Frederick, MD on March 19, 2010

Has anyone had luck with the resources listed on Wikipedia? I'm at the end of my rope. Don't see any hope since neither Fannie Mae or Freddie Mac own my loan through First Horizon. Nor does First Horizon participate with HAMP. HOPE NOW could do nothing to help my situation.

by Kathy McCoy From New Bloomfield, MO on March 19, 2010

GREAT NEWS!! The media finally thinks this is an issues - now we need them to know it's a MAJOR issue. They ran a spot on ABC News last night about mortgage companies not doing enough. Lets add some voices to this - e-mail ABC news and let them know how many there are of us. Go to http://abcnews.go.com/WN/calling-big-banks-american-middle-class/comments?type=story&id=10125432 or abcnews.com and put in your comments! Get this shameful activity out to the public! Maybe this is what they call HOPE!!!

by Kathy McCoy From New Bloomfield, MO on March 18, 2010

Hey everybody - check out this web site: http://en.wikipedia.org/wiki/Mortgage_modification. It may help some of us!

by Anonymous From Irvine, CA on March 11, 2010

We have been trying to sell out house in FL since 2008, we have had to move since for job in CA and we finally have a cash offer through a short sale unfortunately. We have already lost close to $300K on the house but just want to sell it and be done with it. Submitted all the required paperwork back in October 09 and there is no BPO issued to date. FH has also proceeded with a foreclosure and I don't know why they wouldn't just take the cash offer for the sale! Our Negotiator is Oxford Nordberg and I get the same runaround with no update weekly when I call. I'm trying to find any other contacts that I can escalate.. please post if you have any info for Oxford Nordberg in loss mitigation or any of his supervisors.. Thank you.. Also, I'm so disgusted to read all the unfortunate situations on this post.. it's shameful for what this company is doing.

by Kathy McCoy From New Bloomfield, MO on March 10, 2010

I can't sleep any more! I need to get some things off my mind about these low life mortgage companies! We gave them millions of our tax dollars and this is what we get! Thrown out on our asses!!!! Have you heard the latest from our great president? Now, instead of forcing these bastards to help us, he is going to pay us $1,500 to GET OUT OF OUR HOMES!!!!! JUSTICE???? WHAT DOES THAT MEAN????? Me and my family will probably be like a LOT of others in April, out in the damn street! Not only do I have to live with this, now the IRS is taking almost ALL of my tax refund for a 2nd time - WHY???? BECAUSE THEY CAN!!!!! We have to sit back and just take what our government dishes out and I am sick of it! This web site is nothing more than a sounding board, a place for us to go to bitch. Does anybody think it's read by the mortgage company or the Government? Do I really think (and this is from my own personal experiences) the government gives a crap about any of us? THAT'S A BIG NEGATIVE! I have heard people talk about a class action suit but nothing has materialized - I am going to start digging. One voice will not do anything - WE NEED TO START YELLING! THE PRESS WILL NOT LISTEN TO ONE BUT MAY LISTEN TO MANY! Is all this ok with everybody but me? I am not willing to go down without a fight!

by Jesse From Kensington, MD on March 09, 2010

My story is exact same story as poster Jodi. First Horizon is the worst company to work with. Our loan modification process has been going on for 1 year now and absolutely nothing has happened. all our attempts to get a simple YES or NO have failed. We have been thrown between First Horizon and First American and no one knows anything. All they say is loan is under review and in the mean time we received foreclosure letter last week. We are at a lost and don't know what to do. I too really feel throwing the keys are leaving our home.

by tom hibble From Willards, MD on March 08, 2010

by Massachusetts From Lawrence, MA on March 05, 2010

I share the pain. Facing foreclosure this month 2010 - because of their incompetence and lies. Qualify - then you don't qualify. Send more doc - 10-15 days to input into the system. Call back - under review - can't speak to anyone with any knowledge. Mailed/faxed documents 5 times and still - under review. Stay away far away. My loan could be anywhere from First Horizon to Met Life - to First American. I have faxed - written every Senator and Congressman including Pelosi - Reed and the White House. Ignored - Geither says things are better. Not in my world. They do not contact the homeowners. First Horizon - has ignored my attorney letters and calls. The did get 865 million form us taxpayers.

by Jodi From Frederick, MD on March 02, 2010

First Horizon has been impossible to work with in regards to a loan modification. I first applied for a load mod in April 2009. My loan was eventually turned over to First American in late September 2009 to "service" the load mod application. I have documented each and every phone call that I have made to First American since October 2009. I call them for status at least once per week. There were a few times they requested "additional" or "updated" info such as pay stubs; other than that, I am told the same exact thing every time I call and that is "that no additional documentation is needed" and that the loan is "still in review". They cannot give a time frame as to WHEN I might receive a simple YES or NO answer as to whether they will offer a mod or not!! This is absolutely unacceptable. In the meantime, First Horizon has contacted their attorney to start foreclosure proceedings. First American says they cannot do anything to speed up the process UNTIL I am given a foreclosure date. This is all a huge vicious-cycle and nothing but a run-around. I am ready to turn the keys over and walk away from my home! I am a responsible, accountable person that has never had financial problems before this disaster! What recourse do we have? Can anyone help?????

by Kathy McCoy From New Bloomfield, MO on February 17, 2010

Well - here we go again - I sent in another workout package through Beyond Housing - that was on January 12, 2010 - I kept calling them and they said they didn't have any way to tell if they had even received it and that I should call back on February 12 - So I called on February 12 and they were having technical difficulties - I was told that someone would call me on February 16 - no call - February 17 I finally received that call only to find out - they are saying that they NEVER received my workout package - MY GOD - THIS HAS BEEN GOING ON FOR OVER A YEAR - I JUST CAN'T TAKE ANY MORE OF THIS - I AM READY TO TELL THEM WHAT THEY CAN DO WITH THE FRICKEN HOUSE!!!!!

by Roxanne Hoover From Waynesboro, PA on February 16, 2010

I have finally found an attorney that handles class action law suits. I will be contacting them tomorrow to make an appointment. They have the highest rating a litigation attorney can receive. Keep you fingers crossed that they can help. Will keep everyone updated.

by Martin From Fresno, CA on February 09, 2010

well I just got a phone call from the guys that FHHL sub the mods out to, I got a home mod & saved me 750.00 a month on the payment start out at 2% for the first 5 years, then goes up to 3% for the 6th year, 4% for the 7th year, then to 5% for the rest of it, How about that, it only took 11 months for them to do it!!!!, I started back in 03/2009

by Anonymous From Cheney, KS on February 03, 2010

Been working on my loan mod for 1 year now still nothing. They just keep asking for more paper work. I am at my wits end and don't know what else to do. This is the worst company to try to work something out with. I am open to any suggestions any one can give me at this point. Law suit count me in. We have to stick together to make it happen. So LETS GET IT DONE.....

by Anonymous From Eminence, KY on January 29, 2010

I asked my mortgage company to help me with a modified mortgage back in June of 2009. They told me since I was not behind on my mortgage, they could not help me. I asked them to help me out with the payment, and they sent me a proposal for the same amount I was already paying. No help from them at all.

by Tanya From Temecula, CA on January 26, 2010

We have been screwed around by First Horizon since we got our loan, starting with the notary showing up with paperwork that did not match our GFE. The rep (a FORMER personal friend) tells me that she will get me a free refi to fix her error and save us from loosing a 24,000 deposit just sign the papers. Well never happened and all in all of the closing costs they buried $10K, we have been fighting that since the start. Were were quoted a $2,700.00 payment that wound up to be $4,200 to $4,500.00 to $4,800.00. After all of this we are trying to get a modification because we can not longer afford to pay this outrageous payment. AGAIN they are doing everything that the others have stated, hiding escrow fees, not returning phone calls, sending letters stating that they have our loan workout and then verbally saying they don't have it or they just got it. They have been reviewing our paperwork since Sept and do not need anything further from us, yet we have heard nothing and can not get an answer. I have been trying to find someone that actually has gotten a modification competed with them and can't. Shame Shame Shame.... this is the most screwed up company that I have ever banked with. We are more than willing to participate in a class action suit. We have spoken with Loss Mitigation, Collections, Escrow, customer service, legal and more, every time I call I get another lame excuse and the story is ever changing. They actually had the nerve to state the HUD phone call never took place. Only after reporting them to a HUD division manager did they acknowledge my loan work out was rec'd, 2 months later they were back to denial. What a bunch of Jerk Offs... Seriously people, it takes a lot of payroll to cover your lies.

by Kathy McCoy From New Bloomfield, MO on January 20, 2010

On March 4, 2009 it was announced - President Obama has invested $75 billion in helping homeowners avoid foreclosure - "Making Home Affordable Program- For approximately 3 to 4 million families, he is proposing a government subsidy to your lender in exchange for lowering your monthly mortgage payment to an affordable level. I would like to hear from just 1 person that this program has helped!! It is past time, nobody listens to 1 person we need to get together and do something as a group! Class action suit - Government - media - whatever it takes! Giving up is NOT an option!!! Not only are we human beings - WE ARE AMERICAN CITIZENS!!!! We deserve to be treated as such. My ears are open to any suggestions.

by Clarence/Nadine Jackson From Memphis, TN on January 19, 2010

by Darlene Knight From Woodstock, GA on January 19, 2010

I was so surprised to read all these comments. I thought I was alone in my modification nightmare. I am now more afraid than ever I have no hope of salvaging this, I have been trying since July to get this addressed. They promised my package from First American would be sent by December and today (1/19)was informed that First Horizon has taken the package back because it was taking too long. The rep informed me it would be assigned for review and that they would need all my info all over again. I continue to pay what I was told, but want resolution.

by Anonymous From Reno, NV on January 15, 2010

Had good success after a call to Senators office. Senators office light the fire under these clowns. Try these supervisors numbers: 214-441-4541 Bufford 214-441-4556 Johnson 214-441-6013 Williams. Also contact Corp Relations at 212-578-5766. This will light a fire. Had same experience.. Did all of above and got approval in one week.

by Anonymous From Milwaukee, WI on January 12, 2010

I have been trying to get help from First Horizon for 10 months. I sent in two sets of financials and call every week for the past 10 months. I do speak with someone however, they tell me they are still looking for a plan. I do not know what to do. Has anyone had any luck with First Horizon?

by Anonymous From Brooklyn, NY on January 10, 2010

by SueAnn Armendariz From Artesia, NM on January 06, 2010

by daniel moll From Troy, IL on January 05, 2010

by Deb From Gardnerville Ranchos, NV on January 02, 2010

Same as the above...Have spent months sending and re sending "lost paperwork" then they say I am in review...then something gets lost again and you have to re send....these games they play are shameful...we should get a group together and do a class action lawsuit against the ass's

by Martin From Fresno, CA on December 22, 2009

I started back 03/2009 for the home mod, have sent paper work 3 times to them always told it still under review, I contact my senator & she looking in to them & trying to help me out now, come 03/2010, I will send out cards to all for the birth date of 1 year, have been told I should not have brought a house I could not afford when I lost 800.00 income, then to walk away from it, both times I was checking where the mod was!

by Anonymous From Augusta, ME on December 22, 2009

The worst company ever. They can't even answer simple questions. And when they do want to talk is when they want to bash into you

by Kelly Hansen From De Soto, KS on December 18, 2009

I believe they are guilty of mortgage securities fraud. And much, much more. I'm not an attorney. However, I've been deep in it fighting Wells Fargo off of innocent Homeowners for over three years now as of 11/09/2009. My motivation? ...they stole my home out from under me, WHILE I WAS Hospitalized (so I am very familiar with many of their sneaky, creepy, predatory tactics.) My story get worse my the sentence so I won't continue to bore you. I'm sure you've heard it all. You understand my frustration?

by Roxanne Hoover From Waynesboro, PA on December 17, 2009

CLASS ACTION SUIT!!! I will be contacting an attorney tomorrow who specializes in this field to inquire about a class action suit. If you have a mortgage through FH and would be interested in starting a suit e-mail me at rhoover9597@yahoo.co This company needs to be held accountable. I applied for a modification in March 2009 and had to send paperwork three times to no avail. Was told they were reviewing my application numerous times from April to August. Then received a foreclosure notification. Called about it and was told my application was turned down because they never received my modification package. Yet in May they sent me a letter stating they received my info and would contact me when they had reviewed my info. Sent paper work yet again with no answer to date.

by Unhappy First Horizon Customer From Sacramento, CA on December 13, 2009

Everyone please just accept it the fact First Horizon does not care and they are too big to fail. It is sad but everyone that works at First Horizon either don't care or are under a lot of pressure. I almost lost my home, First Horizon told me they are not out their to save the World.

by Teresa Matthews From Hartford, KS on December 06, 2009

by Anonymous From New Bloomfield, MO on December 03, 2009

Toni - I called my local HUD office and they sent me to a company that helps me with all the paperwork and makes sure my mortgage company has it - they are kind of like a go between. One thing I did learn from the workshop I went to yesterday is to make sure which department you are working with. Make sure you are talking to Loss Mitigation department - I thought for a year that was who I was talking to and found out that I was only talking to Loss Mitigation Counselors - they WILL NOT read their notes to find out what is really going on - they are only allowed so many minutes to talk to each customer - their policy is to get people off the phone as quickly as possible! Good luck with it all - I am on my last straw and hoping this company (HUD sent me to them) will be my salvation!

by Toni From San Francisco, CA on December 01, 2009

I have requested a modification from First Horizon January 2009 and they used stalling tactics and now I'm told that I need to start paying or they will begin foreclosure proceedings. Stalling tactics include telling me that i'm missing paperwork, and then when I resend, saying they have it and will review, when I call back, they say I haven't sent them. This has gone on for months. Help, is anyone out there successful?

by Kathy From New Bloomfield, MO on November 24, 2009

YOU ARE NOT ALONE!!! I was laid off and have been working with Met Life for 1 year on the special forbearance plan - and Maria Torres is supposed to be taking care of it - she has NEVER returned my many messages - so - I have been denied for 1 of 3 reasons (been given all 3 so far) 1 - not communicating with Met Life (BS-logged every call) 2 - Not providing requested information (BS how can I know what they need when they don't communicate with me and tell me that they don't need anything, it's still in review) and finally (my favorite) NOT RETURNING MARIA TORRES CALLS! THIS IS WHY WE ARE IN THIS HOUSING CRISIS PEOPLE!!!!! These mortgage companies don't give a CRAP about us, the people that work there are untrained and rude!!! They don't have any idea what programs are out there (Chris at Met Life let me know this) and they are only given so many minutes to talk to each customer, therefore they don't go through the notes they have to give us correct information. I think we should band together and begin a class action suit - or if we can bring this terrible situation to the media - maybe we can save some homes - doubt I will be able to keep mine and don't know where me, my daughter and my 2 young grandsons will go. I have been contacting every Government office that I can think of and contacting every media group as well! DON'T GIVE UP - KEEP CALLING - CONTACT YOUR CONGRESSMAN - CONTACT YOUR NEWSPAPER - CONTACT YOUR LOCAL TV NEWS - CONTACT THE HEAD OF HUD - HELP ME BRING THIS TO AN END - WE HAVE TOO MANY PEOPLE OUT THERE THAT ARE HOMELESS BECAUSE OF MORTGAGE COMPANIES LIKE THIS! My personal e-mail is justme63392002@yahoo.com - e-mail me and lets put our heads together to stop this injustice - please put HOUSING CRISIS in the subject line - GOOD LUCK TO EVERYONE - Kathy

by wp From Bozeman, MT on November 16, 2009

I MAY HAVE SOME HELP FOR YOU KEEP READING -Worst- I called in for TWO MONTHS and couldn't get anyone to answer any phone line. I'm trying to work with them on Loan Mod, (they sold to Green Tree) - they are even worse. MAKE SURE TO FORCE THEM TO PRODUCE THE PROMISSORY NOTE THAT YOU SIGNED_(GOOGLE 'PRODUCE THE NOTE' AND FOR $300 HAVE A FORENSIC AUDIT DONE ON YOUR MORTGAGE....YOU JUST MIGHT SAVE YOUR HOME

by Anonymous From Kearneysville, WV on November 15, 2009

The more I read, the more that I realize nothing is going to stop my foreclosure. I sent in my modification packet, and it was denied because of missing financials. However, I had made a copy of them, and I know for a fact they were sent. I've tried to refax them and there number is always busy. I will my copy this week, but I did miscopy the top of one page and something is missing, so it's probably no use. These guys need to get a better program and try to help people!

by Shawn Mann From Portsmouth, VA on November 09, 2009

by Anonymous From Redmond, OR on November 05, 2009

We turned in paperwork for a loan modification in August. We have used all of our savings to make our house payment. I finally called to let them know this would be our last payment and when would we receive word about the modification. I was informed I need to fill out additional paperwork and resend everything resulting in a 60-90 day delay. I was thinking if I actually missed a payment maybe they would move us up the priority list but it sounds like that tactic does not work with this company! I have little faith in this company after reading all of the previous comments. Aaaagh.

by Anonymous From Auburn, CA on November 02, 2009

They received 866 million dollars from the feds but refuse to issue loan modification. Worst of the worst.

by Anonymous From Washington, DC on October 29, 2009

Would not talk about options, only said fill out paperwork. No one to meet with to discuss.

by Anonymous From Stafford, VA on October 15, 2009

by stephen muraya From Las Vegas, NV on October 13, 2009

If i can manage to get her out of the morgage and title, i wont mind keeping the house.

by Evansville, Indiana From Newburgh, IN on September 26, 2009

Everyone is having a "NIGHTMARE EXPERIENCE" dealing with First Horizon company. I have NEVER heard of anyone refusing to take money to put towards the loan. So your behind - you would think they would WANT at least a payment! I think an investigation by the Federal Government NEEDS to be conducted. SOMEONE in this company is CROOKED and giving the shaft to a lot of people. Do they need an engraved letter in gold from Washington about our economy and HARD WORKING CITIZENS LOSING OUR JOBS??? We are having trouble with this company and there is no one out there to listen or help!! What kind of a country are we turning into?? Did they get Stimulus Money from the Government?

by Lisa Rushing From Charlotte, NC on September 15, 2009

Has been slow getting back to us on workout package. Scared that we may lose our home.

by Anonymous From Peabody, MA on September 15, 2009

Maria Torres is the worst person to deal with and never returns calls. I am going to lose my house because I was laid off and have no where for me and my 3 kids to go. HELP ME!!!

by Anonymous (DEP) From Charlotte, NC on September 08, 2009

F = Customer Services F = Customer Satisfaction F = Quality Product F = Management F = Business Model F = Management F = Intellect/Intelligence A+ = Bullcrap Artist A+ = Crooks I'm totally and utterly repulsed by First Horizon for a number of reasons. I've contacted this company on several occasions with no return call, long wait periods (exceeding more than 20 mins on hold - and yes I have my phone records to prove it), the customer service representatives are as incompetent as a 3 year old. Representatives for the company have postured themselves as if they are immune and a power of authority, with their 10th grade education repeating a scripted jargon, without regards to people or their situation RUDE, IGNORANT, & OBNOXIOUSLLY PATHETIC. I lost my job at no fault of my own, and contacted First Horizon to inform them of such knowing that I was in a financial bind and fallen late on a payment, the representative states "What do you want me to do about it, well you have to pay the amount due, are you working", DUH - DUMB F%^^& I had already mentioned that I'm calling because I've lost my job and would like to work out and/or explore any payment options available. I've repeatively been told that I cannot be eligible for a loan modification, because I don't have any income coming in at this point; if I was to have income or working I would be eligible for the Loan Modification program. UMMM What the devil, if I was working I wouldn't be calling you, I've never been late on any payments prior to the date and time I called after I knew I would miss a payment(s). I’ve requested to do a Short Sale on the property or do a Deed of Lieu to rid myself of the property and more so to rid myself of First Horizon, this has been a routine nightmare, as no one has responded to my phone calls, emails or letters. But, has the audacity to send me Pre-Foreclosure notice after I’ve called them on countless times. BUYER BEWARE Long story short, First Horizon and Bank of America are by far the worst companyies I have ever known, and I've come to conclusion the hell with it I'll let the property be foreclosed and let them sort through their own BS.

by Lisa Barr From Troy, IL on August 31, 2009

They kept telling my my Ex-husband that never lived in the house was on my loan. He was on our own loan. I gave him that house in the divorce. After many horrible phone calls the litigation Dept finally told me they made a mistake

by Anonymous From Altamonte Springs, FL on August 24, 2009

I feel the same as the above. This is the worst company to try and work out anything. I requested a package and returned all the information and was told it was pending review. This weekend I received forclosure papers. I call the company three times today and was told three different things. One loan review still pending, loan was denied, need to completed new pakage. And you cannot get any info from the attorney.

by Anonymous From Boulder Creek, CA on August 17, 2009

by Russ From Oklahoma City, OK on August 13, 2009

I'm an agent with two offers on a home that will end up in foreclosure and a large loss if they do not work with me on one of these offers. FH stinks!

by Shelley Schuler From Grand Rapids, MI on August 06, 2009

by michael rose From Mcdonough, GA on August 05, 2009

by Paul Dacanay From New River, AZ on August 02, 2009

I spoke to an mortgage agent and he was very unprofessional.. He made me feel like I was such an un responsible person and I was trying to scam them..I am trying to save my home and not walk away from it like other people have been doing I don't need someone to make me feel like crap about it when I already do..

by James From Alpharetta, GA on July 28, 2009

I waited on the phone for 20 minutes to speak with someone about refinancing my house. I'm a customer now but won't be after next week. Do these people even give a crap who their existing clients are? Very disappointed. No way will I work with this firm.

by John From Lawrenceville, GA on July 28, 2009

People maybe we can: 1) start a facebook page 2) start a twitter 3) email the President We all need to come together. Facebook/twitter/myspace because it's one of the hot tickets now. Maybe if we all were to email/mail the President something may get done. President Obama does sound sincere in helping us home owners.

by Anonymous From Clayton, NC on July 27, 2009

I have been trying to purchase a home through a short sale and they have given my real estate agent the run around for 8 almost 9 months now. I really want this house but apparently I can not hold out until they decide to talk to someone.

by Brandon Ellis From Brooklyn, IA on July 20, 2009

by Kimberly Compton From Bradenton, FL on July 16, 2009

First Horizon has been completely unprofessional and absolutely horrible to deal with on my short sale. The offer is for only $6,000 less than what I owe on my home. They agreed to a short sale the first time, but the second wouldn't budge. Got another offer a few months later - the exact same price - and we finally got the second to work with us. Now, First Horizon has made us jump through all kinds of hoops and documentation - and all of which we deliver. They even gave us a verbal yes that they would approve the short sale. NOW, the "negotiator" says it is a no go. She gives us no reason or explanation and only says that she doesn't have time to deal with us and to stop calling and e-mailing her. How can a company go back on an approval, how can they be allowed to make such poor business decisions, how is it acceptable to pick and choose who you would like to talk to???? They are the worst company I have ever dealt with. I have to believe there will be a class action against them at some point for these bad business practices!!

by roxanna sheffield From Tallahassee, FL on June 30, 2009

Our mortgage company has been taken over by Metlife but we have been trying for almost 8 months to talk to anyone at First Horizon. Since we decided to stop trying to make the payments but no one would bother to call us back to talk.

by Anonymous From Warrenton, VA on June 19, 2009

at our wits end too. basically the same old story as everybody else but what are you suppose to have to do? makes no sense how we got into this mess. probably best to let the house go then we will have nothing anyway, could be better to live with. what's the point credit stinks now anyway and payments never get caught up. Our first home and we are trying our best to hold on to but not at the cost of stealing the little joy we have. just expect the worst and how many people are homeless is cruel.

by Anonymous From North Port, FL on June 08, 2009

We are trying to refinance. We have called a number of times , and I have emailed requests for paperwork, etc... 3 times so far... This is awful! Is there anything we can do (all together)?

by Andrew From Carmichael, CA on May 30, 2009

If zero stars was an option, that is what they would get. The issues are plentiful. They apply faulty late fees and require a long argumentative phone call to clear it (with proof of ontime payment which I had,) not reporting good mortgages to credit bureaus, illegally tacking on hundreds of dollars in fees after completion of chapter 13 bk's, complete ripoff of a bi-weekly payment program (mortgage reduction program...read this one carefully!,) way rude and unprofessional CSRs, etc., etc. Someone needs to shut this corporation down!

by Anonymous From Ashburn, VA on May 26, 2009

they are the worst. they deserve to go out of business

by Muneerah Hussain From Carrollton, TX on May 18, 2009

by LaVeeta Moten From Fort Washington, MD on May 18, 2009

I sent my information to First Horizon (FH), January 5, 2009. The information was finally taken off of the fax on January 26, 2009. However, one of the representatives told me that Maria Torres had not started on my paperwork until March 2009. After months of calling Maria, I decided to request to speak to a supervisor. After demanding a supervisor, Maria magically appeared. She told me she would call me in two weeks because a decision would be made by then. I told her, I would call her back, because she has never called me back. How does 24 - 48 hours turn into 24 - 48 days. On May 14, 2009 Maria called me asking for more current paystubs. The ones they had were from November and December. Of course they were! I sent my packet in January! I can't believe how rude they are.

by lois williams From Sacramento, CA on May 18, 2009

by NA From American Fork, UT on May 10, 2009

VERY BAD TO WORK WITH. First time a bank has told me I make to much. Did not qualify for loan modification. They did not listen to or read anything I sent to them.

by Anonymous From Deland, FL on May 08, 2009

I Think all the other coments that other customers have voiced are on the money, and that is all they care about,what ever happened to compassion and understanding the problems with this whole economic mess,I guess they want to foreclose on you instead of helping to save your home! I now wish I knew what I know now, I would never had gotten a morgage through them! I feel like a total dumb ass now! I would love to see them fail !!!!!!!!!!!!

by Deidre and Joseph Meyer From Lander, WY on May 08, 2009

They take way too long to do things. They play games. They make you fill out miles of paperwork over and over to get one thing done. They don't return calls, they don't return e-mails. I've literally been on hold for over an hour multiple times. This company has terrible customer service.

by Anonymous From Henderson, NV on May 01, 2009

Telling a company like First Horizon to start to work with the borrowers that are in trouble is like telling a bunch of hungry dingos in a room full of infants that they need to become vegetarians.

by san diego From San Diego, CA on April 21, 2009

this bank has never returned any of my calls i think the class action law suit is a plan we are ready to pay our mortgage but no payments are accepted

by Eric Christopher From Oregon City, OR on April 20, 2009

I get a different story from every employee I speak to.

by linda shirley From Hermitage, MO on April 20, 2009

by Anonymous From Sterling, VA on April 17, 2009

This is the worst company. Our family has been calling for the past six months to try to refinance. There is no way that they can help us until we are 3 months late on payments. This is the line I got from their customer representative awhile back. I tried contacting them 3 times before I spoke with someone. My wife was on the phone for 2 1/2 hours yesterday on hold with 4 representatives. After waiting on hold for the the fourth person at 8:30pm they disconnected her and a message stated the office was closed. Thats great PR First Horizon. Never again. Why not walk and have them lose 70k? They are useless and it starts from the top down. I'm sorry for everyone else out there that has had similar situations. Finding this site allowed me to have some comfort knowing I'm not alone.

by John Day From Hamilton, OH on March 27, 2009

this company has been noncompliant with any request for loan modification or any type of workout plan. Addtionally they have denied any attempt to pay the "remedy" set as to our deliquency payments. We are now in foreclosure, and a sale date is to be set next month.

by John From Hamilton, OH on March 27, 2009

Notified November 2008 of foreclosure. Jan 2009 I had accumulated to required funds to pay the settlement and was to they were not going to accept them I had to deal with the local attorney assisgned to the foreclosure. Made countless attempts to cantact him and his law firm, finally did so. After contact with them, they continued to delay accepting the "rememdy" payment. Still today March 27, 2009 they have not accepted payment of the settlement ammount and now my home is going to auction at the Sherrifs sale. So to all of you out there beware. If you believe you can correct the issue, and make good on any type of oversight you may have had. I am now trying to deal with the fact I'm going to have to find a place to take my family, and knowing I won't qualify for a home loan we get to go to an appartment, or lease a home. Lets see how this type of conduct from a mortgage company will contribute to improving the economy?

by Anonymous From Fremont, CA on March 22, 2009

First Horizon is the worst, they're not accepting any loan modification. W e need to report this company to the office of the president.

by Anonymous From Deltona, FL on March 19, 2009

by Anonymous From Meridian, ID on March 18, 2009

by MV From Meridian, ID on March 18, 2009

Ditto as with everyone else. Wow Maria Torres get around! I guess if my name was Torres maybe she could be a little kinder. This is a bunch of crap. The President is not doing jack. I don't have a subprime loan I had to qualify six ways to Sunday and if seems that Maria is giving others help (lol) and ignoring me. WTF?

by crystal From Kitty Hawk, NC on March 16, 2009

they are the worst company i have ever had...hold times, no response, no responses even from so-called supervisors. they suck.

by christopher GREEN From Saint Louis, MO on March 13, 2009

by Anonymous From Florence, MA on March 09, 2009

by Skip From Oakland, CA on March 09, 2009

One star is too high of a rating for this company. Woe upon woe to any person unfortunate enough to be involved with them. If this company were an individual, it would warrant a psychological diagnosis of Borderline Personality Disorder. Looking over everyone else's dismal review, I wonder if there is any basis for a class action lawsuit against these bastards.

by Reno Buchstaber From Beaverton, OR on March 08, 2009

by Anonymous From Crestline, CA on February 22, 2009

by Anonymous From Orlando, FL on February 19, 2009

by mj martinez From Alamo, TX on February 19, 2009

paid in cash to casa linda homes in alamo tx then 2months later i received a foreclosure letter from first horizon. now i have 2wks. to prepare myself for my home to be auctioned. keep in reminder the house has been paid off in full.

by COOKIE From Wichita, KS on February 10, 2009

FIRST HORIZONMORTGAGE COMPANY IN IRVING TEXAS IS THE WORST EVER I FEEL EVERYONE THAT HAS DEALT WITH THEM AND HAVE LOST THERE HOMES TO THIS COMPANY LETS HOPE THE PRESIDENT STEPS IN AND MAKE THESE COMAPIES GIVE PEOPLE BACK THERE MONEY FOR ROBBING THEM . SAME THING HAPPENED TO US AS WELL HARDSHIP LETTERS ,MAMY MANY ATTEMPTED PHONE CALLS TO TRY AND TALK WITH SOMEONE,NOTHING GOT NO WHERE. I WROTE MY CONGRESS AND THE PRESIDENT OF THE UNITED STATES ABOUT THIS COMPANY LETS HOPE SOMETHING GETS DONE SO OTHER DON'T GO THROUGH WHAT WE DID.

by Anonymous From Elizabeth City, NC on February 09, 2009

by Pat Thomas From Sun City, AZ on January 21, 2009

I literally spend hours on hold -- then I get a customer service rep who transfers me to a non-working number. This has happended 4 times in a row. I'm ready to scream. There's never a supervisor to talk to, there's never an actual phone number they can give me.The do their very best to avoid any calls regarding a possible short sale.

by Pat Thomas From Sun City, AZ on January 21, 2009

I literally spend hours on hold -- then I get a customer service rep who transfers me to a non-working number. This has happended 4 times in a row. I'm ready to scream. There's never a supervisor to talk to, there's never an actual phhone number they can give me.The do their very best to avoid any calls regarding a possible short sale.

by Anonymous From Phoenix, AZ on January 14, 2009

I called before I became past due for help they said you have to wait until 3-4 months due before we can help. I said will ruin credit said sorry Fannie Mae requires it before can help. They dont care you continue to keep going past due and they refuse to accept anything less than a full amount, will send payment back. Refuse to accept going through any current federal programs saying we dont participate in those programs. Their Mitigations keep you on hold forever and then when you get them on the phone they are very rude as if your bothering them. I had one rep say "Oh you didnt receive that hardship letter Again! I explain I only get a letter of actions they plan to take "I guess we have to just send another one" refuse an email or to download from website. I think they purposely dont send info so they can take your home. If Fannie Mae is their client why cant I be eligable for Federal Housing Programs. The goverment bailed them out why cant I as a taxpayer who helped pay for that bail out money use what the federal goverment has put out there to help struggling families as myself. They just make the whole process difficult I had rep tell me just file bankruptcy. I felt like saying why didnt Fannie Mae and First Horizon file bankruptcy instead asking for taxpayers money FOR HELP !!!

by TONY BONILLA From Sterling, VA on January 04, 2009

by Anonymous From Derby, KS on December 08, 2008

I also have recieved a default notice. In the letter they make it sound like there are so many options to help you out, but when you call and ask for help, all they want to do is mail you a hardship letter. Then they say it will take at least 60 days for an answer all while you still fall further behind.

by Anonymous From Carver, MA on December 08, 2008

they raised my mortgage by $300 to cover short escrow, causing us to struggle to pay, falling behind, only to have an overage of $2000, and refusing to apply to late payments.

by Shari Thomas From Clinton, MD on November 12, 2008

by Anonymous From Indianapolis, IN on November 11, 2008

On hold for too long. Misplacing payments for workout arrangements. Not willing to read the hardship letter and look at the facts. I have a payment that is missing now, and no one has a record of how to get it, even though I have proof of payment.

by Anonymous From Las Vegas, NV on November 07, 2008

by Margaret From Oklahoma City, OK on October 28, 2008

This company has refused to accept payments, refused to negotiate, and their attorneys even refuse to return calls. God help anyone dealing with this company.

by Anonymous From Waipahu, HI on October 24, 2008

by Shannon Inama From Idaho Falls, ID on October 21, 2008

They have been kind of difficult to work with. When I try to call I have been placed on hold for 45 minutes and 35 minutes with still no answer. They seem unwilling to help in any way.

by nothing From Hyde Park, MA on October 19, 2008

similar experiences like everyones comments. the only difference is they told me i spend to much in food and to consider eating less. i will not subject myself to a mortgage company when it comes to eating fuk them. they can enjoy there home cuz im giving it back

by katie shelton From Caledonia, MI on October 19, 2008

They rejected the short sale and countered with an offer of what I owe on the mortgage. The condo isn't even worth what I owe. The loan is insured by Freddie Mac, so they won't lose a dime. Don't understand what the deal is, guess they really don't care about their clients, as everyone reports here.

by lisa From Gloucester City, NJ on October 01, 2008

I am an out of work mortgage underwriter who maintained current payments for 9 years up until July and August 2008. As soon as I realized I was in finacial trouble I requested the forebearance paperwork (after discussing options with the lender) and sent everything in August 10th with an expected process time of 60 days. I called Loss Mitigation in early September stating I could resume a normal monthly payment at this time but still await the forebearance for july/aug as financially I cannot "catch up". I was told not to send the money as they would only Return it. I called the agency contracted to do their HUD Counseling and was told also to HOLD the money and wait. That is not acceptable to me as, according to the Lenders forclosure letter, at 4 months past due (which by the time the forebearance is answered would be well into October), the Lender will NOT accept any LESS than the entire 4 months and fees. I'm not entirely stupid. So I scrambled to get a 2 month payment and fees together (NJ Property tax rebate helped)and phoned Sean at Loss Mitigation and told him I could get this together - would that hurt the forebearance request. He said "no", that paying back One month rather than 2 would be easier on me. SoI mailed the payment thinking I was doing the right thing. Thank goodness I happened to check my bank balance September 30th only to find the funds had NOT been deducted. I called and got Crystal who informed me the Funds were HELD! because they were waiting for My specific instruction "magic word?" to POST the payments. Duh? I flat out asked Crystal -what would have happened if I had Not called in on Sept. 30th and the next day is then October (at that point a 4 month past due). She said THEY WOULD HAVE SENT THE MONEY BACK!!! Umm, ther is something terribly wrong with that. It seems to me that this is an intentional act to Take peoples homes (holding $$ and Forcing the past due to 4 months) if not perhaps CRIMINAL? Sorry, but Bailing out Wall Street will not work as intended if the default/loss mitigation practices are not overhauled. I am heading to our Assemblyman's office today.

by blossom munday From Brunswick, MD on September 29, 2008

by Charlotte Bediako From Bristow, VA on September 09, 2008

by Anonymous From Edna, TX on September 09, 2008

by aldo garcia From Wichita, KS on September 02, 2008

by Ig.... From Washington, DC on August 07, 2008

FHHL, is the worst... I finally completed my repayment plan only to discover I now owe attorney fees.. Maria Torres is a damn ass... She forgot to include the fees, $1358.00

by Anonymous From Edna, TX on July 31, 2008

by Kasey Brown From Duncan, OK on June 28, 2008

How well do I know about First Horizon, everyone pretty much summed it up!In Oct.07 I was layed off from my job and had 6mos left to go in RN school. I called them to ask about sending in split payments every two weeks instead of monthly since it was easier to manage my other bills that way. i was told I would need to fill out a workout package for any type of reduction or change in terms. I returned my workout package with all required documents in Oct.07. I called FHHL in Nov. and Dec.several times and was told my packet was still being reviewed and that they were very behind and not to call them they will call me. Since they will not accept any type of partial payment I am getting further behind, but in good spirits that they will work with me and find some kind of loan modification because they said I should qualify.Jan.08 approaches called back several times finally got of hold of someone that said they would have a decision made by Jan.26,08, Still waited and waited , then on Feb.6,08 received letter from FHHL attorney that they were going to foreclose, I immediately called the Loss mitigation and attempted to reach Mike Diaz who was suppose to be the department Guru. After finally getting of hold of them they told me my packet had been denied and told them that was nice of them to notify me. By now I have graduated from school and working full time making more money now than I did when I originally qualified for loan. I asked for a reconsideration and sent in new check stubs and current bills, etc, and once again was denied , but they didn't tell me I was trying to work with a counselor through my private mortgage insurance whom found this out for me. I contacted all the resources they send people who are in foreclosure and to no prevail did anyone help. So next month my house will go up for sheriff sale.The media wants to know why there are so many foreclosures,people sincerely think they are going to get help and then fall further and further behind until its too late to get caught up. So I myself didn't ever think I would be a statistic.

by matt weitl From Manning, IA on May 31, 2008

by Travis Yandell From Little Elm, TX on May 31, 2008

by Travis Yandell From Little Elm, TX on May 31, 2008

by Anonymous From Romulus, MI on May 30, 2008

When you call to speak to someone you are put on hold for a very, very long time. I have been placed on hold @ the most in one call for 50min. trying to get in touch with the loss mitigation dept. No consideration given to excellent payment history.

by TBA Michigan From Romulus, MI on May 29, 2008

My situation has a bit of maybe all the others. My husband left me&our son. I wanted to send FH a partial payment b4 my home went n2 4closure last yr. was told it would be sent back bcause (1)partial had already been made b4.My redemption period has past & I am trying 2 stay n my home 4 me&my son. We have nowhere else 2go. My husband left us almost 2yrs ago& is facing prison.I have 1st&2nd.Only 1 was closed. Trying 2 negotiate paying other mortgage. Just like the others no call back.Hold time is ridiculous.In reality FH & I need each other. My son & I need a place 2stay, & the property won't sit vacant on their books.I'm not trying 2 stay here 4free.

by Debra Livermore From Commerce Township, MI on May 28, 2008

by Anonymous From Newport News, VA on May 28, 2008

by Claudia reyes From Centerton, AR on May 25, 2008

They are a good company but the only issue I had with them is that even after the loan modification my account was not put as current and I was receiving calls about defiency when I was supposely suppose to be current.

by Anonymous From Nahant, MA on May 22, 2008

Notified immediately on husband's job loss. Have a ready, willing and qualified buyer, can't reach a voice, neither can attorney. Am now 2 months behind in payments....Am locking the doors on my way to an apartment, let them worry about the house they are going to lose $100's of thousands on, I can't get a person to answer a call

by Anonymous From Alexandria, VA on May 22, 2008

The First Horizon broker did promise to lower our payments with in 6 months. We contacted the broker, and after many attemps, we just got a not now wait a bit longer. We waited, and called back to get the refinance started. He told us we needed an appraisal done, and he will call us back. We waited for 2 weeks no call was placed from the broker or appraisal. We contacted him several times to have him tell us he can't find the person who conducts the appraisal...WOW..Here we are with a huge mortgage we can not pay.

by Anonymous From Grand Rapids, MI on May 21, 2008

I've sent in four (4) borrower financial statements along with hardship letters and everything else they need (tax forms, paycheck stubs...). No response from to anything I've sent in. No call backs and my average hold time to actually speak with someone is over 80 minutes. Considering we got rid of our phones to reduce our monthly expenditures, that's 80 minutes waiting around my church or parents house to talk with someone who simply wants to send me another borrower financial statement packet. I finally wrangled a e-mail address out of the last person I spoke with (Ms. Aaron) because I convinced her to e-mail me the packet. Interesting that her e-mail address is from the domain loancare.net - a company that says they are there to help stop foreclosure. I've been unemployed for over a year and from the sounds of it, they are going to be pretty unwilling to help. Even though we have a FHA mortgage with mortgage insurance. One option there should be a partial claim against that insurance - I somehow doubt they will approve us for that. And unfortunately, we have no where to go and simply cannot loose this house.

by Anonymous From Lehigh Acres, FL on May 21, 2008

by REALTOR From Belleville, IL From Belleville, IL on May 21, 2008

I too have been dealing with Maria Alonzo. I listed the clients home and she made it sound as though they were on board wiht pursuing a short sale. We now have an offer on the table and I cant get a call back from anyone!!! This is aweful. I am sorry to say it, but I know my seller will be foreclosed on.

by Anonymous From Washington, DC on May 20, 2008

They would not allow me to work out my payments so that I could pay less.

by Anonymous From Warrenton, VA on May 12, 2008

First Horizon is the worst. My home was foreclosed on. They led me to believe they would consider a short sale but when they received offers they would not even respond to my agent. They hired someone to winterize the house while I was trying to clean it for sale. Called me to remove my belongings and when I went to pick them up they were gone. I had a home equity loan with them also and that entity was not even aware of the foreclosure. They hired an agent to list it and didn't even respond to an offer he submitted.

by Anonymous From Euless, TX on May 07, 2008

by Anonymous From Charles Town, WV on May 05, 2008

Because I have shared my experience with others in similar satus, I found FH is the only lender providing a 12 month payback time. Others require 3 months payments and then tag the rest of the late payments to the end of the load. I could do that if offered. I agree with other postings, no call back, never the same person. Unlike other lenders tehy are not helping the buyer or thier self. I can make my payments why don't they work with me instead of against me.

by roberta samuels From Dayton, OH on May 03, 2008

by Anonymous From Kissimmee, FL on May 03, 2008

They will not work with you and their option is to give you the most expensive payback plan there is even if they know you cannot afford it. If you try to send any money in they will return it back to your bank account. There turn around for calling you back they say is 3 business days I may get a call back in a week after they have decided they are going to still go through with the Foreclosure. Is there really any help out there?

by Robert Butler From Ames, IA on April 12, 2008

Impossible to talk to, uou can never speak to the same person twice. We have lost two potential buyers (short sale) because First Horizon would not respond to the offers.They are a company that I feel has helped bring this housing crises on and hopefully they will go broke . ROB

by JANE WESTDYKE REALTOR From Avon, IN on March 22, 2008

I HAVEALWAYS USED 1ST HORIZON FOR MY BUYERS. I HAVE A CLIENT WHO WAS GOINGTOFORECLOSURE AND WE NEEDED TO DO A SHORT SALE. I FOLLOWED EVERY PROCEDURE WAS SENT FROM ONE PERSON TOANOTHER AND NOW THEY FILED FORECLOSURE AFTER ALLOWING ME TO SPEND MY MONEY AND MY BROKERS MARKETING THIS HOME. I AM DISGUSTED AND WILL NOT PROBABLY USE THEM ANY MORE FOR LOANS FOR MYCLIENTS. IF ANYONE HAS A DIRECT CONTACT # PLEASE CALL 317-371-7262. THANK YOU.

by Anonymous From Paducah, KY on March 17, 2008

by Mariaalthea Dambra (Ehlert) From Ewa Beach, HI on March 13, 2008

by UNEMPLOYEDMORTGAGEPRO From Westtown, NY on March 10, 2008

In November when I lost my job, I sent an entire Loan Workout package with PFS, paycheck stubs, and so on explaining I had just lost my job, had never been late up until that month but didn't want to miss an opportunity to do the right thing before late payments snowballed. I was advised to submit to Loss Mitigation Dept. SIX MONTHS LATER----a week ago---3/4/08, I got a VOICE MAIL FROM MARIA ALONSO 'regarding my paperwork'. I had already called every month following my submission of paperwork to follow up prior to getting her voice mail. I called her back a.s.a.p. and like the other people here, got her voice mail. One of the other reps said "you were approved for a payment plan but denied for a loan workout because the lender (Chase) doesn't off that". I had lost my job, which was an annual income of $150k to UI of $600 a week so how was I going to pay the required payments mentioned in ANY payment plan? I left a message for her THREE TIMES since last week and to no avail, no return call. I'm sure she is inundated with work due to the foreclosure rates but I still need to entertain my last option: Deed in Lieu of Foreclosure. I don't believe I qualify because I have a 1st & 2nd on the property w/2 different lenders. I suppose BK is the only option unless I milk the situation through a long foreclosure process. That's tempting because I could squeeze some equity out of the home, although its been on the market for six months without any interest and the value has dropped dramatically on my home even though it is in prime conditiion. I would like to just hand over the keys and go into a rental at this point or do a short sale provided there are no tax ramifications but I believe that would be unavoidable. If I file BK that could take 120 days to finalize. Foreclosure will take up to 14 months. I just don't want a foreclosure on my credit report. Mortgage companies consider YOU IN A N.O.D. even if an NOD wasn't filed if you are more than 4-6 months late on your current mortgage but that will go away on credit after 12-18 months yet a foreclosure or Deed in Lieu WILL STAY ON CREDIT for 10 years. Oh what do do, what to do.

by shawn pischke From Raleigh, NC on March 05, 2008

by Carlos Ospinal From Streamwood, IL on March 05, 2008

by kristen diggs From Lexington, KY on March 04, 2008

I tried and tried to contact someone and could never get someone in person on the phone. Horrible service!!

by Troy Clymer From Sanford, FL on March 03, 2008

by gjs from New Jersey From Rahway, NJ on March 01, 2008

This has to be the WORST financial instituation when trying to "work out" things with their customers. They have the WORST, LOUD telephone system in existence!! You never get through to the party you are trying to reach. When that person calls you they leave an "incomplete" general message for a return call as well. I am not behind in my mortgage but I have been laid off & filed "hardship" with this institution in DEC only now to hear anything from these people! All I want to do is make partial payments until I am re-employed & as it turns out the lady that I finally got to talk to named MARIA TORRES tells me I have to earn more money to be eligible for partial payments....daah! If I were able to earn more money I obviously would not need to make partial payments!!! I hate this company! They do absolutely nothing for their customers but take their money!!

by caroline kruse From Dundee, OR on February 27, 2008

I called to work out a repayment plan I and the representative told me he would give me four months to find a better job or he would take my home from me. I called his Supervisor and I received no response. A month later First Horizon called me to tell me that they fired him and wanted to work out a deal. I was so scared of losing my home at the time ( I was two months late) I had already filed Chapter 13 bankruptcy. I could have easily worked something out.

by Anonymous From Claremore, OK on February 27, 2008

It is impossible to contact anyone there. All you ever get is a recording when you call. Call backs from the company are usually one or two weeks. By then, foreclosure steps have already been taken. What gives?

by Rhonda Hendrix From Carrollton, GA on February 04, 2008

by Anonymous From Omaha, NE on January 31, 2008

First Horizon has not returned any of my 28 phone calls. They say there is nothing they can do to help us.

by Frank Farmwald From Kansas City, MO on January 20, 2008

by Anonymous From Dover, PA on August 25, 2007