Complaints

This profile includes complaints for 1st Franklin Financial Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  1st Franklin Financial Corporation

  49 E Doyle St Toccoa, GA 30577-2962

• 

  1st Franklin Financial Corporation

  106 N Camellia Blvd Fort Valley, GA 31030-3078

• 

  1st Franklin Financial Corporation

  1100 Eisenhower Dr STE 27 Savannah, GA 31406-3924

• 

  1st Franklin Financial Corporation

  102 Market Centre Dr Ste 102 Cornelia, GA 30531-4717

• 

  1st Franklin Financial Corporation

  1422 Green Rd STE J Chatsworth, GA 30705-6999

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/28/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  1st Franklin is illegally report 2 late payments on A closed account. They are also inherently inaccurate. January, 2018 1s Franklin is reporting a 30 day late payment and in May of 2018 1st Franklin is reporting a 60 day late payment. Despite the inaccuracies listed above , it is illegal to report a consumer transaction with a third party i.e. Equifax, Transunion and Experian without the consent of the consumer. I have not given 1st Franklin Financial verbal or written consent to report any activity, let alone negative activity to my Consumer report

  Business Response

  Date: 05/08/2023

  We have received your BBB complaint number 19992963.  On or around 9/1/2017 you entered into a loan agreement with 1st Franklin Financial Corporation.  The agreement contains authorization to communicate with third parties regarding your account.  Additionally, a review of your payment history concludes that your account has been reported correctly.  A copy of your loan agreement and payment history is being mailed to you.
  Please contact your local Branch Manager or our **************************** at the number listed below if you have questions or need additional information. 
  
  Sincerely,
  
  Quality Assurance Department
  1st Franklin Financial
  P.O. Box 880
  ******, ** 30577
  ************

• Initial Complaint

  Date:04/25/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Received text messages and emails as if I had applied for a loan with them. I did not apply for a loan with them, nor give any of my information. I tried calling with no answer and no response from them either.They have this information they sent to me:Name: *********************** Amount:$9,985.00 Monthly: $194.75 DOB: 12/28/1956 SSN: XXX-XX-**** File:SL17-6787148797-GA I am concerned they have an account set up by someone who has stolen my identity.I need answers.

  Business Response

  Date: 04/27/2023

  We suspect that ****************** is the target of a fraudulent scheme by a third party not affiliated with 1st Franklin Financial.  1st Franklin Financial does not communicate with customers / potential customers in the manner that ****************** describes.  ******************** will be contacting ****************** in hopes of gathering additional information that *** aid in identifying the unaffiliated third party.  

  Additional questions *** be addressed by contacting our ********************** at ************.

  Customer Answer

  Date: 04/27/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:04/10/2023

  Type:Delivery Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Received text messages and emails as if I had applied for a loan with them. I did not apply for a loan with them, nor give any of my information. I tried calling with no answer and no response from them either.

  Business Response

  Date: 04/12/2023

  We suspect ****************** is the target of a fraudulent scheme by a third party not affiliated with 1st Franklin Financial.  1st Franklin Financial acknowledges that it does not have a loan account with ******************, nor do we have any record where she has ever applied for a loan.  Further, 1st Franklin Financial does not communicate with customers/potential customers in the manner ****************** describes.  We have alerted ****************** to this potential scam and assured her that we have not attempted to contact her.  

  Further questions can be address to our **************************** at ************.

  Customer Answer

  Date: 04/19/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:04/07/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On April 6, 2023, my mother was contacted by ***, from the ************ office. She proceeded to tell my mother they were fixing to garnish my wages unless five hundred and some odd dollars was paid to them by April 7, 2023. First off, my mother is not listed as a contact, second *** disclosed EVERYTHING about my account to *********************, that she did not know was my mother. I don't care what, she had no right to contact anybody and threaten that, much less disclose all my financial information. Yes I have fallen behind, but that is on me, not my 75 yr old mother. I have told them numerous times contact me via email. I work 7am to 7pm, they are already closed when I get off. Either way, this is the most unethical thing I have ever heard of. I will stay in contact with them via email, not by calling me 3 and 4 times a day. I cannot be on my phone at work.

  Business Response

  Date: 04/13/2023

  The 1st Franklin Financial Regional Operations Director over the ************ branch conducted an investigation regarding this matter.  As you mentioned, your account had become past due.  We made numerous attempts to get in touch with you about your past due account, but you never responded to our voicemail messages or written letters.  On April 6,2023, a 1st Franklin **************** Representative called *************************, who you listed as a personal reference on your loan application.  In accordance with 1st Franklins policies and procedures, the *** contacted ************ solely for the purpose of trying to locate and contact you since you had not responded to any of our phone calls or letters.  None of your personal or account information was discussed or shared with ************.  Documentation of the conversation shows that the *** identified herself, informed ************ that we were trying to get in touch with you, and then requested that she have you call us back as soon as possible.  ************ then asked the *** why she was trying to reach you.  The *** told ************ that she could not share any information.  Apparently, ************ assumed that you were past due on your account because she told the *** that if you were behind on your payments she would try to help you get caught up.  The *** only replied by thanking ************ for her time and assistance in trying to contact you.  At that time the phone call ended.  The investigation confirmed there was no threat of garnishment.  Again, none of your personal or account information was shared with *************  The *** described the phone call between herself and ************ as being pleasant and respectful by both sides.
  Our company policy prohibits the use of contacting customers via email.  So, we will not be able to communicate with you via email as you requested.  Instead,going forward, we will communicate with you by mail.  We request your cooperation by responding to our efforts to reach you.  You can send written correspondence to our Branch at ******************************************************, or you can call ** at ************ when you are available.  As a reminder, we are open Monday thru Friday from 8:30 a.m. until 5:30 p.m. except for Wednesdays when we close at 1:30 p.m.

  Customer Answer

  Date: 04/13/2023

  ********************* was notified garnishment was fixing to be done and was given exact amount to write on check, she will verify that. She called me to come pick check up and take to them, which I told her no. She is 75 years old and they had her crying when she called me. How would she have an exact amount if *** had not told her, and yes she did tell her they were fixing to take it to court to get a judgment to garnish wages. I also have NEVER put her down as a contact as I said she is 75 and not in the best health.

  Business Response

  Date: 04/20/2023

  ******************,

  A loan application was taken by phone on 9/1/2021.  That application has both ********************* and ************************* listed as personal references.  The application resulted in loan number ********** which was renewed on 1/24/2022.  Your comments have been referred to the Regional Operations Director for discussion with the branch personnel.  Additionally, your account has been documented that all future communication will be by mail only.

  If you have additional questions, please feel free to contact our ********************** at ************.

   

  Customer Answer

  Date: 04/20/2023

  I never listed *********************, yes I listed *************************. Show me original form where I listed *********************.

  Business Response

  Date: 04/20/2023

  I have attached screen shots from the application for your review. 

  Customer Answer

  Date: 04/20/2023

   
  Complaint: 19909350
  
  I am rejecting this response because:
  I had to write information in on original paperwork, I am sure they have on file.
  Sincerely,
  
  *************************

  Business Response

  Date: 04/25/2023

  The "Reference" section of the application is not included in the printed application.

   

   

  Customer Answer

  Date: 04/25/2023

   
  Complaint: 19909350
  
  I am rejecting this response because:I know for fact ********************* was not used by me. I am not going to go along with this, I know good and well all they have to do is use ****** and find any name. Yes it is written on paperwork you fill out.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:03/29/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filled a complaint on First Franklin they closed my account and I never heard from them again. Compliant number ******** They closes the account back in 2020 thats whaz my credit report is saying. Now 3 years later they have tried to serve me papers by the ********!!! They did some illegsl things renewed a loan withbout my consent then tried to make me pay on sometjing over and over ***** after I had paid the loan for line a year they came back and said that was just the first part I had more tine on the loan. I had know clue what was going on because i never agreed to it!!!

  Business Response

  Date: 04/05/2023

  *************,

  We have tried to contact you to discuss your concerns; however, you have not returned any of our calls.  A signed copy of your contact and a print out of your payment history is being mailed to you at **************************************************************

  If you would like to discuss your concerns further, please contact your local branch or our **************************** at ************.

   

• Initial Complaint

  Date:02/23/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The employee contacted one of my references and disclosed all my personal information on why they haven't received a payment from me. Instead what the employee should've done is stated her name and contact information and that's it. I'm very frustrated and I feel exposed due to my personal information being disclosed.

  Business Response

  Date: 02/25/2023

  The branch supervisor contacted ************************** to discuss the issue.  The 3rd party authorization that was previously provided has been removed from the account.  

  Thanks,

  Quality Assurance

• Initial Complaint

  Date:02/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Today I received a phone call from 1ST FRANKLIN I figured they want a payment I dont have Ill call when I get paid next month and work this out. Ive fallen on hard times but things are looking up so hoping to correct some errors Ive made. I let the call go to voicemail I was changing my daughters diaper. I play the message back from the representative name ******* who left a message saying if you dont call me back today ***************** she will send my account to legal in fact its been sent to legal. So I was very angry because that message was not necessary other people have call before and just ask call when you can. Its bad enough the website doesnt let me make a payment any longer when I checked but no I have ******* calling twice a day leaving messages threatening legal action. To me thats an intimidation tactic to get people to call but its not going to be a candid conversation. I have high anxiety and severe depression already so that made ti really bad when I called and she said well its going to leagal unless you have the entire payment today or pay the loan balance in full. So no room for a new payment plan or anything just pay me what ******* wants not what 1st franklin wants. I told her will see next month she says fine for now ***************** but if you dont we will be back with legal for you like she has authority over customers. I thought you were in a working relationship with customers not do what I say or Im going to legal.

  Business Response

  Date: 02/25/2023

  We have tried to reach ****************** to discuss his concerns but were unable to make contact.  We left a message on his cell phone asking him to call the ************************************************************** Dept

  Customer Answer

  Date: 02/25/2023

  I also called and was told I had to wait until Monday because that particular person moves from office to office 

  Business Response

  Date: 03/02/2023

  The area Supervisor called ****************** to discuss his concerns.  An agreement was reached that no staff from the branch will call ***************** except for the branch manager.  
  

  thanks,

  Quality Assurance

  Customer Answer

  Date: 03/02/2023

  I did talk to the regional manager and agreed in principle to work it out but I feel until its concluded I want to keep this line of communication open.

• Initial Complaint

  Date:02/16/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Account was paid off on Feb 9th. I called on 2/16/23 to see when the payoff would be noted to the credit bureau. The lady on the phone told me to give it until April or May for it to take effect. That is an incredibly long time to report a payoff.

  Business Response

  Date: 02/17/2023

  We report monthly files to Equifax, Experian and TransUnion.  We normally are able to submit our file by the 10th for the previous month; however, it does take *********** some additional time to process our file.  Since your account was paid out on 2/9/23 you should see that it is reported as a paid out account by mid-March.

  If you have additional questions, please feel free to contact our **************************** at ************.

   

• Initial Complaint

  Date:02/08/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In January 31 of this year, I tried to pay this company. I was 3 weeks behind due to financial difficulties. I had every intention on paying both payments this month. I called their office and not only was she rude she hung up on me and then lied to her boss like I was being rude to her. He too called me and begging to talk to me with total disregard and disrespect. I have been having their money since January 31. I am a Disabled Veteran who doesnt get around much, so I was praying every thing online. They blocked me and lie like I wrote them three paid checks when in fact I never used paper checks. I explained to them that I have written proof from my bank showing just that. He was rude and kept talking to me horrible and I told him that I will not allow him to speak to that in that manner and I hung up. This is truly unacceptable behavior for a business to treat their customers with such blatant disrespect.

  Business Response

  Date: 02/13/2023

  Regional Operations Director, *********************** called and spoke with ************************* about her concerns and that she could make future payments with a debit card in ****************** branch office.

  Thanks,

  ******

• Initial Complaint

  Date:01/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not aware of this account. I have reached out to EQUIFAX and TRANSUNION Credit Bureaus, and with 1ST FRANKLIN FINANCIAL. to have this account removed from my file and they are always saying the same excuse, which is no longer acceptable. I have filed this as an outcome of Identity Theft. Regardless of all actions done on my end, there was no action from EQUIFAX and TRANSUNION Credit Bureaus. Thus, I am reaching out to seek assistance to have 1ST FRANKLIN FINANCIAL confirm that I have no account with them and that the EQUIFAX and TRANSUNION Credit Bureaus can simply remove it from my credit report.

  Business Response

  Date: 01/24/2023

  We have received your BBB complaint stating that you are not aware of an account with 1st Franklin Financial and claim of Identity theft. I have attached a signed copy of the contract well as the drivers license obtained when this loan was made on 11/2/22 at our branch office in **********, **.
  If you believe that someone has fraudulently used your ID,  the next step in the process of disputing an account is for you to complete the enclosed Identity Theft/Forgery Affidavit and return it to our office within 14 days. To dispute this debt with 1st Franklin, you are also required to file a police report of the fraud/identity theft. We will need a copy of the report. Please note that this is under oath and will be presented to law enforcement. The affidavit is not complete unless the following documents accompany the form when returned to us:
  
  Copy of a valid government issued photo ID for example: your drivers license, state issued ID, or passport.
  
  Proof of residency during the time the disputed event occurred. For example: a rental/lease agreement, copy of a utility bill, etc. (Must be in your name).
  
  Copy of the report to law enforcement. If you are unable to provide a copy, your signature, on the affidavit, authorizes us to obtain a copy. 
  
  If you have any questions concerning the completion of the affidavit, please do not hesitate to call our ********** office at ************.