What is the most common complaint against Franklin Collection Service, Inc.?

The most common issue consumers report about Franklin Collection Service, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,466 complaints filed with the CFPB.

Are complaints against Franklin Collection Service, Inc. increasing or decreasing?

Complaints against Franklin Collection Service, Inc. are falling. The company received 80 complaints in the last 12 months, showing improvement over prior periods.

What is Franklin Collection Service, Inc.'s reputation grade?

Franklin Collection Service, Inc. has a reputation grade of D (score: 51.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Franklin Collection Service, Inc. respond to consumer complaints?

Franklin Collection Service, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does Franklin Collection Service, Inc. operate?

Franklin Collection Service, Inc. has received CFPB complaints from consumers in 44 states, with the most complaints from Alabama (235 complaints).

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

Franklin Collection Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 44 states, reputation grade D.

Compiled by PlainCollector

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

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 #4002

VOL 1,466
GRADE D
12MO 80
STATES 44
TIMELY 100%
DISPUTE 25%
ISSUE Attempts to collect debt n…
RANK #122
COMPOSE #4,002

Volume peers

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

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 →

Steady monthly series

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

Volume rank #122 and composite rank #4,002 diverge by 3,880 places on PlainCollector's CFPB-derived corpus maps. 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)
Divergent corpus ranks: #122 volume; #4,002 composite; Cleanest-composite ladder is 3,880 places worse than volume

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 Se… National average

Complaints (last 12 mo)lower is better

532

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

25%

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	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.

Alabama

235
Texas

166
California

142
Mississippi

139
Florida

121
Georgia

119
Louisiana

77
Tennessee

50

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.