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

CFPB complaint data Grade D 1,466 complaints

Franklin Collection Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 44 states, reputation grade D.

Complaints by issue type

What consumers report about Franklin Collection Service, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record franklin-collection-service-inc Franklin Collection Service, Inc.

Grade D · 1,466 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #122 · compose #353

  • VOL 1,466
  • GRADE D
  • 12MO 80
  • STATES 44
  • TIMELY 100%
  • DISPUTE 25%
  • ISSUE Attempts to collect debt n…
  • RANK #122
  • COMPOSE #353

Volume peers

Nearest volume peer: Acima Credit, LLC (1,476 complaints)

First Credit Services Inc.First Credit Services Inc.1,402Contract Callers IncContract Callers Inc1,423Franklin Collection Service, Inc. (this)Franklin Collection Service,…1,466Acima Credit, LLCAcima Credit, LLC1,476The Receivable Management Services LLCThe Receivable Management Se…1,506
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Franklin Collection Service, Inc.'s 1,466 CFPB complaints sit next to Acima Credit, LLC 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 1,466 complaints break down

Every complaint issue type on record for Franklin Collection Service, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.3/100
Franklin Collection Service, Inc.

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
1,466
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
25%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

Alabama is the plurality state for Franklin Collection Service, Inc. (16.0%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Alabama 16.0%
Mid-band (15–30%) · 44 states with ≥1 filing
Even monthly load
Peak under 8%
Highest month 2026-01 at 6.7% (97 filings)
Corpus ranks
#122 volume
#353 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Franklin Collection Service, Inc. compare to its peers?

How does Franklin Collection Service, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Franklin Collection Service, Inc. National average
Complaints (last 12 mo)lower is better
80
532
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
25%
0%
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 Franklin Collection Service, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Franklin Collection Service, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Franklin Collection Service, Inc.ACIMA CREDIT, LLCThe Receivable Management Services LLCCONTRACT CALLERS INCFirst Credit Services Inc.Midwest Recovery SystemsEXPERT GLOBAL SOLUTIONS, INC.Ad Astra Recovery Services IncI.Q. DATA INTERNATIONAL, INC.CNG FINANCIAL CORPORATION
Source: CFPB Consumer Complaint Database

Franklin Collection Service, Inc.'s complaint volume in context

Franklin Collection Service, Inc. 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)

1,466 Top 2% higher than 98% 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. Franklin Collection Service, Inc. 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)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
628
Written notification about debt
272
Cont'd attempts collect debt not owed
189
False statements or representation
111
Communication tactics
86
Took or threatened to take negative or legal action
83
Disclosure verification of debt
63
Threatened to contact someone or share information improperly
14
Taking/threatening an illegal action
10
Improper contact or sharing of info
8

Where do complaints against Franklin Collection Service, Inc. come from?

Franklin Collection Service, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Franklin Collection Service, Inc.

Across 44 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 Franklin Collection Service, Inc.: 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: 1,466.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.86111111111111%.

4 peers

Know your rights before responding to Franklin Collection Service, Inc.: 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.