What is the most common complaint against 1st Franklin Financial Corporation?

The most common issue consumers report about 1st Franklin Financial Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 262 complaints filed with the CFPB.

Are complaints against 1st Franklin Financial Corporation increasing or decreasing?

Complaints against 1st Franklin Financial Corporation are rising. The company received 131 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is 1st Franklin Financial Corporation's reputation grade?

1st Franklin Financial Corporation has a reputation grade of D (score: 52.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does 1st Franklin Financial Corporation respond to consumer complaints?

1st Franklin Financial Corporation has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does 1st Franklin Financial Corporation operate?

1st Franklin Financial Corporation has received CFPB complaints from consumers in 17 states, with the most complaints from Georgia (95 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

1st Franklin Financial Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

120
Took or threatened to take negative or legal action

71
Written notification about debt

20
False statements or representation

17
Communication tactics

13
Threatened to contact someone or share information improperly

9

Data updated September 2026

CFPB complaint disposition

CCDB record 1st-franklin-financial-corporation 1st Franklin Financial Corporation

Grade D · 262 CFPB filings · 85% timely · lead issue: Attempts to collect debt not owed · vol #435 · compose #3828

VOL 262
GRADE D
12MO 131
STATES 17
TIMELY 85%
DISPUTE 13%
ISSUE Attempts to collect debt n…
RANK #435
COMPOSE #3,828

Volume peers

Nearest volume peer: Credit Bureau Collection Services, Inc. (262 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

1st Franklin Financial Corporation's 262 CFPB complaints sit next to Credit Bureau Collection Services, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

36.3% of 1st Franklin Financial Corporation's CFPB filings land in Georgia

High volume does not equal a clean composite: 1st Franklin Financial Corporation is volume #435 but composite #3,828, while Georgia dominates the geography. Corpus placement method.

Dominant state: Georgia 36.3%; 95 of 262 filings · 17 states touched
Seasonal peak: 2026-01 8.6%; 8–15% band · 26 filings
Divergent corpus ranks: #435 volume; #3,828 composite; Cleanest-composite ladder is 3,393 places worse than volume

How does 1st Franklin Financial Corporation compare to its peers?

How does 1st Franklin Financial Corporation compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

1st Franklin Financial… National average

Complaints (last 12 mo)lower is better

131

268

Timely-response ratehigher is better

85%

98%

91%

Consumer-dispute ratelower is better

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	120
Took or threatened to take negative or legal action	71
Written notification about debt	20
False statements or representation	17
Communication tactics	13
Threatened to contact someone or share information improperly	9
Improper contact or sharing of info	7
Taking/threatening an illegal action	4
Disclosure verification of debt	1

Where do complaints against 1st Franklin Financial Corporation come from?

1st Franklin Financial Corporation's own per-state count, not a national baseline.

Georgia

95
South Carolina

62
Louisiana

24
Alabama

23
Mississippi

19
Texas

13
Tennessee

7
Florida

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for 1st Franklin Financial Corporation: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 262.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 85.09615384615384%.

4 peers

Know your rights before responding to 1st Franklin Financial Corporation: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.