Debt collector · complaint record
1st Franklin Financial complaints
Filed under 1st Franklin Financial Corporation
Consumers have filed 890 complaints about 1st Franklin Financial since 2013, 276 of them in the last 12 months (+59% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Weak response record. How it works
- Complaints on record
- 890
- Last 12 months
- 276
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 14
- Rank
- #110 of 1,963
Since March 2013
+59% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 11, 2026
Most complained-about debt collectors
1st Franklin Financial complaints by month
The busiest month was March 2026 (35 complaints). Complaints in the last 12 months are up 59% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How 1st Franklin Financial answered last 12 months
- Closed with explanation276100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend4/15+59% vs last year
What 1st Franklin Financial complaints are about
Top 1st Franklin Financial problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 95
- Debt was result of identity theft 35
- Debt was paid 12
- Debt was already discharged in bankruptcy and is no longer owed 2
Where 1st Franklin Financial complaints come from
Most complaints: Georgia (321), South Carolina (146), Alabama (117), Mississippi (83), Louisiana (79).
1st Franklin Financial compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Williams, Rush & AssociatesDebt collection | 4 | 291 | F |
| 2 | Shepherd OutsourcingDebt collection | 53 | 285 | C |
| 3 | Williams & FudgeDebt collection | 53 | 280 | C |
| 4 | 1st Franklin FinancialDebt collection | 49 | 276 | D |
| 5 | Tower Loan of MississippiDebt collection | 53 | 272 | C |
| 6 | Property ReceivablesDebt collection | 17 | 269 | F |
| 7 | Revco ManagementDebt collection | 89 | 265 | A |
| 8 | RfnaDebt collection | 57 | 264 | C |
Compare side by side: 1st Franklin Financial vs Williams, Rush & Associates · 1st Franklin Financial vs Shepherd Outsourcing · 1st Franklin Financial vs Williams & Fudge · 1st Franklin Financial vs Tower Loan of Mississippi
What people say about 1st Franklin Financial
All experiencesNo experiences with 1st Franklin Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest 1st Franklin Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 6, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Nov 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 1, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 30, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 29, 2026 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Oct 27, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 27, 2026 | Payday & personal loans | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 26, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 25, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 23, 2026 | Payday & personal loans | Incorrect information on your reportInformation belongs to someone else | Explained |
Questions about 1st Franklin Financial
How many complaints does 1st Franklin Financial have?
1st Franklin Financial has 890 complaints on record since March 2013, including 276 in the last 12 months and 14 in the last 30 days. That makes it number 272 of every company by complaints this year.
Does 1st Franklin Financial respond to complaints?
Yes. 1st Franklin Financial answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 49/100 (grade D).
What do people complain about most with 1st Franklin Financial?
The most common problems are attempts to collect debt not owed (144), incorrect information on your report (185), took or threatened to take negative or legal action (79).
Is 1st Franklin Financial legit?
1st Franklin Financial is a real company with a public complaint record: consumers have complained about it 890 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is 1st Franklin Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about 1st Franklin Financial going up or down?
Up. There were 276 complaints in the last 12 months against 174 in the 12 before (+59%). See every month.
How do I file a complaint against 1st Franklin Financial?
Complain to 1st Franklin Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most 1st Franklin Financial complaints come from?
Most come from Georgia (321), South Carolina (146), Alabama (117). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about 1st Franklin Financial
No comments yet. Start the conversation - questions are welcome too.