Total CFPB complaints
1,440
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,440 complaints
Franklin Collection Service, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 43 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Franklin Collection Service, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
611 complaints
- Written notification about debt
Written notification about debt
259 complaints
- Cont'd attempts collect debt not owed 171
Cont'd attempts collect debt not owed
171 complaints
- False statements or representation 86
False statements or representation
86 complaints
- Took or threatened to take negative or legal action 63
Took or threatened to take negative or legal action
63 complaints
- Disclosure verification of debt 43
Disclosure verification of debt
43 complaints
D
Grade D · 54.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Franklin Collection Service, Inc.?
Franklin Collection Service, Inc. has accumulated 1,440 total CFPB complaints across 43 states, with 66 filed in the most recent 12 months against 1,374 historical complaints before that window. The trailing-12-month volume represents 4.6% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 25% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 43 states, led by Alabama with 222 and Texas with 166, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.5/100 places Franklin Collection Service, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
66
4.6% of total history
Rising ↑
States active
43
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
D
54.5/100 composite
Response-quality profile
How Franklin Collection Service, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 50.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 76.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Franklin Collection Service, Inc. compare to its peers?
Franklin Collection Se… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed611 (%)
Written notification about debt259 (%)
Cont'd attempts collect debt not owed171 (%)
False statements or representation86 (%)
Took or threatened to take negative or legal action63 (%)
Disclosure verification of debt43 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 338 |
| Written notification about debt | Didn't receive enough information to verify debt | 185 |
| Attempts to collect debt not owed | Debt was result of identity theft | 157 |
| Attempts to collect debt not owed | Debt was paid | 116 |
| Cont'd attempts collect debt not owed | Debt is not mine | 102 |
| False statements or representation | Attempted to collect wrong amount | 86 |
| Written notification about debt | Didn't receive notice of right to dispute | 74 |
| Cont'd attempts collect debt not owed | Debt was paid | 69 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 63 |
| Disclosure verification of debt | Not given enough info to verify debt | 43 |
Where do complaints against Franklin Collection Service, Inc. come from?
The states where consumers have filed the most CFPB complaints against Franklin Collection Service, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Franklin Collection Service, Inc.
Across 43 states with at least one filing
- Alabama
Alabama
222 complaints
- Texas
Texas
166 complaints
- California
California
141 complaints
- Mississippi
Mississippi
136 complaints
- Florida
Florida
120 complaints
- Georgia
Georgia
117 complaints
- Louisiana 74
Louisiana
74 complaints
- Tennessee 50
Tennessee
50 complaints
Frequently Asked Questions
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 1,440 complaints filed with the CFPB.
Are complaints against Franklin Collection Service, Inc. increasing or decreasing? ▼
Complaints against Franklin Collection Service, Inc. are rising. The company received 66 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Franklin Collection Service, Inc.'s reputation grade? ▼
Franklin Collection Service, Inc. has a reputation grade of D (score: 54.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 43 states, with the most complaints from Alabama (222 complaints).
What can I do if Franklin Collection Service, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Franklin Collection Service, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |