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

Data updated July 2026

D

Grade D · 55.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: 1st Franklin Financial Corporation ranks ahead of 26% of the 5,283 collectors PlainCollector grades - 74% keep a cleaner CFPB record, on 262 all-time complaints and a 85% timely-response rate.

26th pct
reputation rank of 5,283 graded collectors
262
CFPB complaints, all-time
85%
answered inside the CFPB window
131
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about 1st Franklin Financial Corporation?

1st Franklin Financial Corporation has accumulated 262 total CFPB complaints across 17 states, with 131 filed in the most recent 12 months against 131 historical complaints before that window. The trailing-12-month volume represents 50.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 85% timely-response rate against a 13% consumer-dispute-after-response rate.

Complaints have been recorded across 17 states, led by Georgia with 95 and South Carolina with 62. Normalized against the full CFPB collector database, the reputation score of 55.1/100 places 1st Franklin Financial Corporation in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

262

mid-volume (CCDB)

Last 12 months

131

50.0% of all-time complaints

Rising ↑

States active

17

regional footprint

Timely response rate

85%

acceptable band

Consumer disputes

13%

average (vertical avg ~19%)

Reputation grade

D

55.1/100 composite

How does 1st Franklin Financial Corporation's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

55 26th percentile higher than 26% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

1st Franklin Financial Corporation versus the debt-collection vertical average.

Timely response within SLA 85.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 13.3%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 30.4%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
1st Franklin Financial… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if 1st Franklin Financial Corporation contacts you

A grade of D signals how 1st Franklin Financial Corporation's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really 1st Franklin Financial Corporation and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how 1st Franklin Financial Corporation ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 55.1/100), 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).

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

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.