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

CFPB complaint data Grade D 262 complaints

1st Franklin Financial Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade D.

Complaints by issue type

What consumers report about 1st Franklin Financial Corporation

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #303

  • VOL 262
  • GRADE D
  • 12MO 131
  • STATES 17
  • TIMELY 85%
  • DISPUTE 13%
  • ISSUE Attempts to collect debt n…
  • RANK #435
  • COMPOSE #303

Volume peers

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

Credit Bureau Collection Services, Inc.Credit Bureau Collection Ser…262KeycorpKeycorp2621st Franklin Financial Corporation (this)1st Franklin Financial Corpo…262Account Resolution CorporationAccount Resolution Corporati…263Maury Cobb, Attorney at Law, LLCMaury Cobb, Attorney at Law,…263
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 →

How the 262 complaints break down

Every complaint issue type on record for 1st Franklin Financial Corporation, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.3/100
1st Franklin Financial Corporation

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
262
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
85%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#435 volume
#303 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Corporation National average
Complaints (last 12 mo)lower is better
131
0
268
Timely-response ratehigher is better
85%
98%
91%
Consumer-dispute ratelower is better
13%
8%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy 1st Franklin Financial Corporation a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%10%20%30% Timely response rate (%) Dispute rate (%) 1st Franklin Financial Corporation vs. 10 similar-volume peers, by response speed and dispute rate 1st Franklin Financial CorporationCredit Bureau Collection Services, Inc.KEYCORPSuttell, Hammer & White, P.SMobiloans, LLCMaury Cobb, Attorney at Law, LLCMarauder CorporationAccount Resolution CorporationForster & Garbus LLPWindham Professionals, Inc.Capstone Credit & Collection, LLC.
Source: CFPB Consumer Complaint Database

1st Franklin Financial Corporation's complaint volume in context

1st Franklin Financial Corporation vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

262 Top 8% higher than 92% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. 1st Franklin Financial Corporation 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against 1st Franklin Financial Corporation

Across 17 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.