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Share of complaints that ended with money back
0.0%
Of the 157 complaints recorded against 1st Franklin Financial in the CFPB database, 0 were closed with monetary relief. Read this as one figure from a public dataset, not a grade: it is not adjusted for how many customers or loans a company has, its product mix, complaint severity, or how each firm classifies its responses — so it should not be read as this lender treating people better or worse than another.
Issue categories as selected by borrowers on the CFPB complaint form.
| Issue | Complaints | Share |
|---|---|---|
| Struggling to pay your loan | 31 | 19.7% |
| Incorrect information on your report | 29 | 18.5% |
| Problem when making payments | 29 | 18.5% |
| Charged fees or interest you didn't expect | 20 | 12.7% |
| Problem with additional add-on products or services | 11 | 7.0% |
| Getting a line of credit | 9 | 5.7% |
The outcome the CFPB recorded for each complaint after the company responded.
| Outcome | Complaints | Share |
|---|---|---|
| Closed with explanation The company stated its position; nothing changed for the borrower. | 154 | 98.1% |
| In progress Not yet resolved at the time of this snapshot. | 2 | 1.3% |
| Untimely response The company did not respond within the CFPB window. | 1 | 0.6% |
You can withdraw permission for any company to debit your account, and instruct your bank to block the payment. Neither step needs the lender’s agreement, and neither depends on whether you still owe the money.
Top states by complaint volume. Each links to that state’s law page.
| State | Complaints |
|---|---|
| Georgia | 55 |
| Alabama | 34 |
| South Carolina | 18 |
| Mississippi | 13 |
| Louisiana | 12 |
| Texas | 9 |
| Tennessee | 7 |
| Kentucky | 4 |
Verbatim from complaints filed against 1st Franklin Financial in the CFPB database. XX and XXXX are the Bureau’s own redactions of personal details. These are allegations by borrowers, published by the CFPB — not findings, and not necessarily accepted by the company.
First Franklin Financial Corporation is the judgment creditor on a legacy XXXX civil case out of XXXX XXXX, Alabama. On XX/XX/XXXX, First Franklin Financial Corporation, acting through its contractually designated collection law firm and agent, XXXX XXXX XXXX XXXX, executed an unlawful garnishment freeze on my XXXX deposit account. The…Problem with additional add-on products or services · complaint filed 2026-05-21
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after…Struggling to pay your loan · complaint filed 2026-05-17
I had a problem with one of the financial creditors ' employee. The employee was being extremely disrespectful in many ways on multiple accounts with me ( She called my XXXX XXXX XXXX multiple times and hung the phone up while I was trying to talk ). The employee also threaten me with repossession if I did not pay today ( XXXX…Struggling to pay your loan · complaint filed 2026-04-14
More complaints does not mean worse. A company serving millions of borrowers will collect more complaints than one serving thousands, whatever the quality of either. That is why the headline figure is a rate — the share of complaints that end with money back — not a count. The rate already adjusts for how many people complained.
A complaint is also an allegation, not a finding. The CFPB does not verify what borrowers write, and neither do we.
The complaint counts, resolution outcomes, issue and state breakdowns on this page come straight from the CFPB Consumer Complaint Database (a public federal dataset of 15,188,499 complaints filed since 2011; retrieved 3 August 2026) and refresh from that API — no editorial judgement is applied to those numbers. The regulatory-action, rent-a-bank and SEC-filing sections, the lender’s classification and description, and the company-name matching are researched and reviewed by hand, and dated where shown.
Complaints are published after the company responds or after 15 days, whichever comes first. The CFPB does not verify borrowers’ accounts, and a complaint is not a finding of wrongdoing. The database is not a statistical sample of all customer experience. Search the full database →
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