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:11/30/2023

  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.

  My name is ******************************* . I got injury at my job I dont have nothing to do with this place I dont know where ******* is I dont know where ***** is tell them to leave me alone . Tell them whoever use this place to call me to take me out of it . Give me a break , please I have to much in my life already because of injury I dont wanna deal with more. Those people have to get someone else . I dont know nothing about this place, thank you

  Business Response

  Date: 12/04/2023

  Please see the attached response.

• Initial Complaint

  Date:11/14/2023

  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 received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. The following inquiries are unauthorized, and I ask that you delete them: Inquiry from 1ST FRANKLIN FINANCI on 05/01/2023? I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter.

  Business Response

  Date: 11/20/2023

  Please see the attached response.

  Customer Answer

  Date: 11/20/2023

   
  Complaint: 20869876
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************************

  Business Response

  Date: 11/21/2023

  Please see the attached response.

  Customer Answer

  Date: 11/21/2023

   
  Complaint: 20869876
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************************

• Initial Complaint

  Date:10/13/2023

  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 took out a loan February 2023. I made 1 payment in March. I sold a piece of property and with that money I paid off my loan in full in April. I paid cash. Then yesterday I was served court papers saying I have not paid. I requested the video from that timeframe to show I was there. But the manager ***** at the ********** office refused to check in anyway to verify I paid. I received no contact about this prior to being served. They say the called but I have no record of missed calls. No voice mail or certified letter. And honestly I knew I'd paid in full. No one ever spoke to me on any of their documented calls? I use my phone for work and answer all calls because of that. They couldn't have tried to contact me as they stated.

  Business Response

  Date: 10/19/2023

  Please see the attached response.

• Initial Complaint

  Date:10/03/2023

  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.

  ******** branch sold me a repo they had from default on a collateral loan .said no key and was parked behind the office. This vehicle requires key to unlock ignition or triggerssecurity and can't be changed due to security system.dealership only will is*** to name on title so they said I can leave until title came back .paid cash ..got title bill of sale and affidavit of repo ..this was on a Friday so I had wait till following Tuesday go courthouse send off title and was informed it was not endorsed to sale ..tried contacting the company got run around for weeks ..return courthouse clerk calls them demand they sign title and they refused do anything. Said they give me everything I had have and would do nothing else ..decide go get the vehicle so pay get a trailor pull it on and dad goes there and it is gone ..I arrive and call police. Company lied said I had came got it they thought..they knew it was lie..they knew I couldn't have and it was apart it was driven away!! Track down previous owner and the neighbor of them tell me it's hidden behind home I call 911 police come says title is in their name they have keys ..etc it's theirs ..!! Comp refused help me or refund me ..investigating learn manager is neighbor and friend of previous owner !! Also learn they had have key to have gotten it repo or most part get a loan approved must have a key!! The company hangs up dozen times over months and says they have good lawyers *** them!! The still do nothing I never got a signed over title but last learn months later they send in a release of lein and the next day the previous owners tried apply last title..now that says it all and they even sold the vehicle parts off it and still have it I can't get title and why would I go pay do that for a scrap now and they got me 800 cash plus I have the ************** 20 for a pizza for lunch !! Corporate lies said they help get my money returned and won't return any calls or help me ..this is theft by deception..have bogus title and papers

  Business Response

  Date: 10/09/2023

  Please see the attached response.

  Customer Answer

  Date: 10/10/2023

   
  Complaint: 20689882
  
  I am rejecting this response because: I'm not sure where the information you have come from but it's surely far from truth!! The title never was signed to sale via clerk of court at ware co tag office and they even called the office at ****************** Franklin demanded they fix it they said they would do nothing further they did everything correct which is not so clearly! Second the ******** police was called in fact to the ****************** Franklin business by myself the day I was informed of vehicle stolen and verifiable by the ****************************************************************************** on testifying of the part they witnessed as ****************** Franklin was contacted twice by them ..I also have recorded audio calls to ****************** Franklin and also all messages send via messenger to woman sold me the envoy..and last your employees lied to police on two separate issues one the manager had changed and one stated she was witness to stuff but in fact was not even employee there at the time..ware sheriff's office advised me to sue ****************** Franklin and get my money back !! The part about a key was gimmick to start off with I'm sure ..you don't gi e a loan without one and the envoy has security on it and would not even unlock ignition to go in a gear without so how they get it in that tiny back lot ?? And what happened to advising the business before I returned to get it as they said that day I have them my money?? I never returned there to get anything but funny that vehicle got gone somehow!! I want my 800 back and I'm going for attorney next to handle this with compensation well beyond the 800 but into tens of thousands for the embarrassment and stress and most the whole value of car I purchased !! And last you can't tell me y'all weren't scam start with cause the vehicle to this day is still insured by previous owner now why would they do that all that money without knowing the things to come about?? And the run around I got and when you informed me the lien paper you sent in weeks later to remove lein and when went talk to courts again learned the previous owner tried apply for new title no way they had esp to know it was uplifted the very next day or so?? Come on the scam needs to stop and give me rightful money I need back I have stage 5 kidney failure and you take valuable time of my last days in stress and anger and I'll stop at nothing see it's justified 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 10/16/2023

  1FFC is requesting an extension while this matter is under investigation.

  Customer Answer

  Date: 10/16/2023

   
  Complaint: 20689882
  
  I am rejecting this response because:please note that I'm not trying to be hard here I'm trying to get Justice and my money return because this was wrong and clearly set forth to be this way from the get-go because there's no way that these people did not give a key for this vehicle
  afterlearning a few things about the ignition and the way the security system work. and the fact that it was already there it parked behind your lot behind your building facing your building in a Less Than 3 ft space for backing up the ignition would have had to been turned to have gotten it into that spot regardless of a tow truck or anything else. also the fact that the lien was not released but however released months later after being released the very next day the previous owners attempted to obtain a new title. and another last being fat your company refused to allow me anything to do with the security system there that you guys would have video of the person taking the vehicle and the fact that I was supposed to have notified them to pick the vehicle up and lastly the fact that I was given the runaround for weeks there after I went to the courthouse to obtain a title begging and begging numerous times to please help me however you stated that I did not call the police and that is faults I called the police that very day the vehicle was noticed missing by my father after we obtained a trailer to go pick it up. the ************************** was called via 911 call by myself also made a complaint with the ******************************** in regards to the vehicle I went to the residents of that previous owner however located that vehicle and the police come out and I was nearly jailed because of the fact that first Franklin had said that I picked up vehicle up to the police when they were investigating number two the vehicle was still registered to those people and I could not legally obtain a vehicle title so the previous owners were allowed to keep it and in this time I begged and begged and begged First Franklin you stated that you called me numerous times you've never called me not one time have you called returned my phone call I have pulled my records from your phone numbers every number that I can find listed for your number and it is not one time on my call records for the past year and a half it is not at all and my phone company can verify this so please it's time to cut the c*** with the lies and the manipulation and the coverage or whatever it is just return my money because I am seeking full prosecution for this case I am seeking full money return for that vehicle I am seeking the embarrassment all the stuff that I've been through the embarrassment is unreal and here I am sick wasting my days on having to go through something like this with that money I could have been buying my medication or getting to and from a doctor which I have missed numerous visits for and what a shame that a company like this could not have put forth an effort to investigate this sooner not everybody lies and however there are some that lie that lie within your own company

  
  Sincerely,
  
  ***************************

  Business Response

  Date: 10/23/2023

  Please see the attached response.

  Customer Answer

  Date: 10/26/2023

   
  Complaint: 20689882
  
  I am rejecting this response because: although I gained the amount paid for it the money spent in between trying get you to resolve this is still a good amount not to mention the emotional damages you caused me after your company is clearly liars..the dates on the lien show that 100 percent you didn't even release it until 4 months later and you claim you did everything properly all lies it's been and I intend on further claim against this company for the compensation of my health issues and. The way your company treated me and all documented and I even was treated rudely when I went pick up that check and the way the response here is after you are at fault start with knowing I'd never gain a title start with so how can I retreive something never mine ?? You set out deceit to start with and it's evident here with title..never signed and then you lie say I received that lien paper a lie look at date on it 4 months later when you were called again but the ware county court house in demand and then irroic before I even knew you released it finally after all the time the ppl who had it tried gain title that very next day how were they notified of the release ?? You are all responsible and you still treat me as if I'm in wrong and no apology what so ever I hope this reveiws helps ppl make right choice before dealing with your company because they are all deceitful and clearly lie like the the day is long..I'll be serving this company with papers soon as I find good attorney take my case even if I don't get a dime it will be made public enough you will regret the way I was I treated and still so treated to this day..
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:09/16/2023

  Type:Order 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 liable for this debt with 1st Franklin Financial. I do not have a contract with the collection agency. They did not provide me with the original contract as I requested.

  Business Response

  Date: 09/19/2023

  Please see the attached response.

• Initial Complaint

  Date:09/12/2023

  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.

  This company had a security issue where a unauthorized third party accessed my personal information. I am not liable for this debt with 1ST Franklin Financial I do not have a contract with them. They did not provide me with the original application like I asked

  Business Response

  Date: 09/13/2023

  Please see the attached response.

• Initial Complaint

  Date:09/06/2023

  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.

  September 03, 2023 Ellaneshia ****** Attn: 1ST FRANKLIN FINANCIAL C ************************************************************ Re: Acct # ************************************** ***** July 09, 2022, Account#: ********...., To Whom It May ************ letter is a follow up to my original letter date 7/6/23 regarding an non-indispute notation NOT on my credit reports, regarding 1ST FRANKLIN FINANCIAL/MS Upon further investigation, I have retained new copies of the my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, showing that you have violated the Fair Credit Reporting Act, Section 623(a)(3) by not placing the disclosure within the required 30 day period. Be aware that I am making a final goodwill attempt to have you DELETE your account off my Transunion credit report. The listed item isentirely inaccurate and incomplete, and represents a very serious error in your reporting. Additionally you have broken federal law by not placing the notice of dispute ontomy credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the *** and the ** ************************* should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.I further remind you that you may be liable for your willful non-compliance, as per FCRA 623(a)(3) -Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. 1681s-2] (3) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished byany person to any consumer reporting agency is disputed to such person by a consumer, the personmay not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

  Business Response

  Date: 09/12/2023

  Please see the attached response.

• Initial Complaint

  Date:08/09/2023

  Type:Order 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 for this debt with 1st Franklin Financial. I do not contract with 1st Franklin Financial. LP, they did not provide me with the original contract as I requested.

  Business Response

  Date: 08/09/2023

  Please see the attached response.

  Customer Answer

  Date: 08/09/2023

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

  Business Response

  Date: 08/14/2023

  Please see the attached response.

• Initial Complaint

  Date:08/08/2023

  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.

  Despite my patient waiting, they have failed to respond or comply with the Fair Credit Reporting Act, 15 USC Section ****i, within the legally allotted time, persisting in reporting unverified information and demonstrating willful negligence and federal statute non-compliance, as evidenced by the erroneous *********************************************** with a balance of $2,505.00, and 1ST FRANKLIN Account # ************ with a $0.00 balanceon my credit report.

  Business Response

  Date: 08/09/2023

  Please see the attached response.

• Initial Complaint

  Date:08/07/2023

  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.

  This company has pulled my report multiple times without my knowledge. I did not inquire or seek any assistance from them. Thus, the inquiries should be remove immediately in accordance to the **** Credit Repair Law.

  Business Response

  Date: 08/09/2023

  Please see the attached response.