CFPB · Diversified product mix
1st Franklin Financial Corporation
810 CFPB complaints · diversified mix (top product 32.7%) · top issue Incorrect information on your report.
1st Franklin Financial Corporation: top product "Debt collection" is only 32.7% of 810 - multi-bucket mix. Timely 83.2% · relief 0.1%. Allegations, not findings.
- Diversified product mix
- +3100% filings 2013 to 2026
CFPB relief outcome brief
CCDB company 1st-franklin-financial-corporation
0.1% relief · 83.2% timely · 810 filings · Debt collection
Same-product relief peers
Nearest relief peer: Fair Collections & Outsourcing, Inc. (0.1% relief)
1st Franklin Financial Corporation closes 0.1% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 810 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
1st Franklin Financial Corporation complaint mix by product
- Debt collection 265 33.3% – 0% relief
- Credit reporting 201 25.3% – 0% relief
- Credit reporting, 132 16.6% – 0% relief
- Payday loan, 89 11.2% – 0% relief
- Payday loan, 66 8.3% – 0% relief
- Consumer Loan 37 4.7% – 3% relief
- Vehicle loan 5 0.6% – 0% relief
How 1st Franklin Financial Corporation's 810 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 265 |
| Credit reporting or other personal consumer reports | 201 |
| Credit reporting, credit repair services, or other personal consumer reports | 132 |
| Payday loan, title loan, personal loan, or advance loan | 89 |
| Payday loan, title loan, or personal loan | 66 |
| Consumer Loan | 37 |
| Vehicle loan or lease | 5 |
| Mortgage | 4 |
| Credit card | 4 |
| Money transfer, virtual currency, or money service | 3 |
| Payday loan | 1 |
| Credit reporting | 1 |
| Bank account or service | 1 |
| Credit card or prepaid card | 1 |
Where 1st Franklin Financial Corporation complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 36.5% of this company's filings
1st Franklin Financial Corporation rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 160
- +3100% vs 2013
Top States
| State | Complaints |
|---|---|
| GA | 296 |
| SC | 128 |
| AL | 112 |
| LA | 73 |
| MS | 71 |
| TX | 36 |
| TN | 29 |
| FL | 15 |
| VA | 10 |
| NC | 8 |
| KY | 7 |
| OH | 4 |
| NY | 3 |
| CA | 3 |
| NM | 2 |
| MD | 2 |
| PA | 2 |
| IN | 1 |
| RI | 1 |
| MA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 162 |
| Improper use of your report | 136 |
| Attempts to collect debt not owed | 124 |
| Took or threatened to take negative or legal action | 70 |
| Problem with a company's investigation into an existing problem | 44 |
| Struggling to pay your loan | 32 |
| Problem when making payments | 30 |
| Problem with a credit reporting company's investigation into an existing problem | 24 |
| Charged fees or interest you didn't expect | 20 |
| Written notification about debt | 20 |
| False statements or representation | 17 |
| Managing the loan or lease | 16 |
| Problems when you are unable to pay | 15 |
| Communication tactics | 13 |
| Problem with additional add-on products or services | 11 |
| Threatened to contact someone or share information improperly | 9 |
| Getting a line of credit | 9 |
| Improper contact or sharing of info | 7 |
| Problem with the payoff process at the end of the loan | 6 |
| Credit monitoring or identity theft protection services | 6 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 5 | 80% |
| 2014 | 16 | 93.8% |
| 2015 | 17 | 100% |
| 2016 | 10 | 60% |
| 2017 | 19 | 10.5% |
| 2018 | 34 | 2.9% |
| 2019 | 27 | 11.1% |
| 2020 | 32 | 15.6% |
| 2021 | 41 | 97.6% |
| 2022 | 65 | 76.9% |
| 2023 | 70 | 81.4% |
| 2024 | 112 | 100% |
| 2025 | 202 | 100% |
| 2026 | 160 | 100% |
Source: CFPB Consumer Complaint Database
1st Franklin Financial Corporation spreads across product buckets
1st Franklin Financial Corporation's 810 logged complaints stay concentrated: only 24 states show a filing. Only 34.4% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-24.
1st Franklin Financial Corporation answers 83.2% of complaints inside the CFPB's tracked window and closes 98.4% with a written explanation. 0.1% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about 1st Franklin Financial Corporation.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for 1st Franklin Financial Corporation: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 810.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 83.2%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for 1st Franklin Financial Corporation (83.2% timely; 0.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix