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Business Profile

Consumer Finance Companies

1st Franklin Financial Corporation

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Complaints

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

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1st Franklin Financial Corporation has 380 locations, listed below.

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    Customer Complaints Summary

    • 131 total complaints in the last 3 years.
    • 50 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/08/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      This company refused to take my payments for a loan I received from them. They locked my online account from the moment I created it. I managed to get it unlocked for one payment. They constantly withdrew from my account on the day before I received my paycheck resulting in the payment to be returned, and they refused to except a debit card payment, which would have resulted in on-time payments.

      Business Response

      Date: 05/13/2024

      Please see the attached response.

    • Initial Complaint

      Date:05/07/2024

      Type:Order Issues
      Status:
      Answered
      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 received an order to show up for court on February 9, 2024. 1st Franklin Financial had a fraudulent contract that was signed by a third party business whom lied to their company stating that I purchased a product/ device in which I never agreed to nor signed. I explained this to the courts and the Manager committed perjury in court stating that I had received a copy of the contract prior to the court date. That was the untruth. I never saw the contract nor signed it prior to the notice of service. The contract was initiated December 2021 and the company manager of Pure Air in *************, SC forged my signature electronically and emailed it to 1st Franklin Financial unbeknownst to me. They had a charge for over $3,400 on the bill for a display vacuum that was shown in a demonstration. No agreement nor contracts were initiate on 12/12/2021 when I the demonstration took place, so how is it a contract was initiated in my name under the wrong address and no drivers license nor last for digits of my social security number on the contract to verify it was me? The contract was initiated fraudulently by the manager of Pure Air! The manager of 1st Franklin Financial stated in court that they had several complaints with previous customers regarding the same matter but those cases were thrown out and mine wasnt! Its an act of fraud, discriminatory and malfeasance to bind a contract that was never signed. I explained on numerous times to 1st Franklin Financial that I did not sign nor have a contract with a vendor name Pure Air. I notice a bill on my credit file and started paying on the bill so that I did not receive a default on my credit file. I have reached out to consumer affairs and the ************************ and a copy of this will also be given to the ************************ and the ****** of ********* General. This business is binding innocent people in contract agreements they know nothing about and call harassing and bullying people into payment agreements.

      Business Response

      Date: 05/13/2024

      Please see the attached response.

      Customer Answer

      Date: 05/13/2024

       
      Complaint: 21680953

      I am rejecting this response because: My signature was fraudulently produced on a record that I did not create which is a federal violation.  The magistrate judge did not ask me to return a vacuum to reduce cost, that's a lie. She stated I could return it if I did not want to keep it and still mandated payment. The judgment was unfair and malfeasance based on the fact that Pure Air and 1st Franklin were notified by me of the fraudulent contract and coerced me to pay something knowing that I did not produce nor sign nor agree to any terms non whatsoever!. I have paid nearly $3,000 for an unopperable device, so why would I pay an additional $2,000 which totals $5,000 on something I never agreed to and 1st Franklin will only fix and resale the device due to GREED? This is absurd and my complaint has went further than BBB. I have notified the ************************* SC ***************** *********************** and ****** of ********** General, Consumer Affairs ******; to include filed a complaint of my Civil Rights being violated.

      Sincerely,

      ***************************

      Business Response

      Date: 05/16/2024

      Please see the attached response.

    • Initial Complaint

      Date:04/30/2024

      Type:Order Issues
      Status:
      Resolved
      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 liable for this **** with charter communications, I do not have contract with 1ST FRANKLIN, they did not provide me with the original contract as i requested.

      Business Response

      Date: 05/03/2024

      Please see the attached response.

      Customer Answer

      Date: 05/03/2024

       
      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,

      Anbrosia Hamright

    • Initial Complaint

      Date:04/17/2024

      Type:Billing Issues
      Status:
      Answered
      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'm urgently contacting you regarding the inaccuracies on my credit report stemming from the sharing of my personal information with credit bureaus. This has led to significant financial and emotional distress.As per 15 USC 1681 Section 602, I affirm my right to financial privacy and expect my information to be treated confidentially.Moreover, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency is prohibited from disclosing account details without my explicit consent, which I have not provided.The errors tied to 1ST FRANKLIN have adversely affected my financial standing, necessitating immediate correction.Additionally, I stress adherence to 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under specific circumstances.Below, you'll find my account details for your reference:Account Number: ****************I urgently request a thorough review of my account, prompt rectification of the credit report inaccuracies, and strict compliance with federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,***************************

      Business Response

      Date: 04/18/2024

      Please see the attached response.

    • Initial Complaint

      Date:04/14/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Dear BBB,I am writing to file a formal complaint against 1st Franklin Financial Corporation regarding their misleading representation and refusal to acknowledge their legal status as a ************************* (CRA) under the Fair Credit Reporting Act (FCRA). I have made multiple attempts to address this matter directly with 1st Franklin, but they continue to ignore my legal order given under 15 U.S.C. 1681b(a)(2) and deny their role as a CRA.I initially contacted 1st Franklin on [date] to request that they update my account status to reflect as "paid as agreed" and "never late" in accordance with 15 USC 1681b(a)(2). This request is necessary to ensure the accuracy of credit reporting and comply with the legal requirements of the ***** Despite providing the relevant information and highlighting their obligations as a CRA, 1st Franklin has failed to take any action to remedy the situation.In subsequent communication attempts, both written and verbal, 1st Franklin has continued to deny their status as a CRA and has provided misleading representation regarding their legal responsibilities. This refusal to acknowledge their obligations is a clear violation of the unambiguous language and decades of case law interpretation of the *****I believe that filing this complaint with the BBB is necessary to ensure that 1st Franklin understands the seriousness of their non-compliance and takes appropriate action to rectify the situation. I request that the BBB investigate this matter thoroughly and help facilitate a resolution between myself and 1st Franklin Financial Corporation.I trust that the BBB will assist in holding 1st Franklin accountable for their actions and ensuring compliance with the Enclosure: Copy of the letter sent to 1st Franklin Financial Corporation.

      Business Response

      Date: 04/15/2024

      Please see the attached response.

      Customer Answer

      Date: 04/15/2024

       
      Complaint: 21574671

      I am rejecting this response because: This response from 1st Franklin is a violation of 15 U.S.C. 1692e in regards to the false representation that 1st Franklin gave implying that 1st Franklin is not engaging in part as a CRA. 

      I have reviewed 1st Franklin response to my complaint and I must express my disappointment and disagreement with your position. Your denial of 1st Franklin's legal status as a consumer reporting agency (CRA) under the Fair Credit Reporting Act (****) is baseless and contradicts the clear language of the law, as well as established case law and regulatory guidance.

      In my previous communication, I provided a detailed explanation of how 1st Franklin meets the definition of a CRA under the ***** The law clearly states that a CRA includes any person who regularly engages in the practice of assembling or evaluating consumer credit information for the purpose of furnishing consumer reports to third parties. It is undeniable that 1st Franklin furnishes consumer credit data to TransUnion, Equifax, and Experian on a regular basis, which falls squarely within this definition.

      Furthermore, I cited relevant case law, such as ********* v. ******************* Services, LLC, which affirms that creditors who furnish information to credit bureaus are considered CRAs. Multiple circuit courts, including ********** v. Experian Info. Sols. and ****************** ********** Med. *********** have also affirmed this interpretation. Additionally, the Federal Trade Commission's (FTC) official commentary on the **** explicitly states that furnishers of information, such as creditors, are considered CRAs and must comply with all applicable requirements imposed by the **** and its implementing regulations.

      Your assertion that 1st Franklin is not a CRA is not supported by the law or the facts. By denying this legal reality, you are exposing 1st Franklin to potential liability, including FTC enforcement actions and class action lawsuits.

      I kindly request that you reconsider your position and acknowledge 1st Franklin's legal obligations as a CRA under the ***** It is in both parties' best interests to resolve this matter in a fair and mutually beneficial manner. As stated in my previous letter, I propose that 1st Franklin promptly updates my account status to reflect as "paid as agreed" and "never late" in accordance with the written instructions I gave under 15 USC 1681b(a)(2). This will not only satisfy your legal obligations but also ensure the accuracy of credit reporting.

      I urge you to take immediate action to address my dispute and comply with your **** obligations. Failure to do so may result in further escalation of this matter, including legal action. I trust in 1st Franklin's commitment to excellent customer service and adherence to the law, and I expect your cooperation in resolving this issue.

      Please confirm your agreement to the proposed resolution and provide me with details of the steps you will take to rectify the inaccurate reporting on my credit file.

      Thank you for your prompt attention to this matter.

      Sincerely,

      *****************************

      Business Response

      Date: 04/15/2024

      Please see the attached response.

      Customer Answer

      Date: 04/16/2024

       
      Complaint: 21574671

      I am rejecting this response because:

      It appears that 1st Franklin Associates may not fully understand the nature of my claims. They have not addressed my concerns and have instead avoided them. The course of action taken by 1st Franklin in denying my claims has caused me further harm and frustration. This is precisely why we are communicating through the BBB. 1st Franklin has not made any effort to discuss a fair resolution with me. Is it normal procedure for 1st Franklin to dismiss customer claims instead of attempting to find a reasonable solution? 

      I am aware that a privacy disclosure was sent to me in our previous communication through the BBB. However, that privacy disclosure did not comply with 15 USC 6802(b)(1)(A)(B)(C), and I did not receive an opt-out disclosure in compliance with 15 USC 6803(c)(1)(A)(B) before my non-public information was shared with third parties such as TransUnion, Experian, and Equifax. The lack of compliant disclosures from 1st Franklin means that they have committed identity theft under 18 USC 1028(a)(7) by transferring my means of identification without the legal authority to do so.

      I am well aware that 1st Franklin "may" report the status of my account, but this does not mean they can do so without complying with the statutes that govern such actions. The bottom line is that the late payments must be removed and updated to reflect "paid as agreed, never late." 1st Franklin is acting as a ************************* (CRA), and CRAs are bound by 15 USC 1681b(a)(2) to follow the written instructions of the consumer. It is evident that I have provided my written instructions.

      I kindly request that 1st Franklin have one of its team members who is knowledgeable in law review our previous correspondence before providing another generic and misleading response to me.


      Sincerely,

      *****************************

    • Initial Complaint

      Date:04/12/2024

      Type:Order Issues
      Status:
      Answered
      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 liable for this **** with charter communications, I do not have contract with 1ST FRANKLIN, they did not provide me with the original contract as i requested.

      Business Response

      Date: 04/18/2024

      Please see the attached response.

    • Initial Complaint

      Date:04/09/2024

      Type:Order Issues
      Status:
      Answered
      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 liable for this **** with charter communications, I do not have contract with CENTRALPORTF, they did not provide me with the original contract as i requested.

      Business Response

      Date: 04/10/2024

      Please see the attached response.

    • Initial Complaint

      Date:04/09/2024

      Type:Product Issues
      Status:
      Answered
      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.
      Around June of last year I took out a small loan from 1st Franklin of $500. My payments was for $95 a month. I missed two months of payment and they sent me a letter in the mail of a court date and a balance of $1000 balance. There is no way my balance is that high just from missing two months of payment.

      Business Response

      Date: 04/15/2024

      Please see the attached response.

    • Initial Complaint

      Date:04/08/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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 settled my account with ******************** and was told that I would have a zero balance on my account, instead they updated my credit with a balance. That was extermely dishonest of them. I need my credit updated to a zero balance asap, because I did what they told me to do and paid what they told me to pay.

      Business Response

      Date: 04/10/2024

      Please see the attached response.

    • Initial Complaint

      Date:03/26/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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'm not liable for this debit 1st Franklin Finance I do not have a contract with the collection agency they did not provide me with the original contract as request

      Business Response

      Date: 03/28/2024

      Please see the attached response.

    1st Franklin Financial Corporation is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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