Complaintsfor1st Franklin Financial Corporation
Consumer Finance Companies
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
09/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am contacting you regarding a fraudulent account that has been erroneously reported on my credit profile. As a documented victim of identity theft, I have already filed a complaint through ***************** to rectify this situation. Nonetheless, the following account remains inaccurately listed and is damaging my credit standing:Account Details:Creditor Name: 1st Franklin Financial Opened Date: 01/11/2023 Account Number: ************ This account is unequivocally not mine, and I demand its immediate removal from my credit file. The presence of this account is causing undue harm, and any delay in action will only exacerbate this injustice. I request your prompt and thorough intervention to resolve this issue.Business response
10/07/2024
Please see the attached response.Initial Complaint
09/25/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with 1st Franklin Finacial, I do not have a contract with 1st Franklin Financial, they did not provide me with the original contract as i requested.Business response
09/26/2024
Please see the attached response.Initial Complaint
09/24/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
As per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your "credit" report is an infringement of 15 usc 16922b.(2) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these ********** Consumer Financial ****************** ****************************. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. ***************************. **************************Business response
10/07/2024
Please see the attached response.Initial Complaint
09/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
The underlying company 1st Franklin Finance currently appears on my Transunion Equifax and Experian Credit Report as an account I did not open. It was open due to identity theft in which Experian, Transunion and ******* has forwarded theft documents receive from me to 1st Franklin Finance early August 2024 in which they have not complied under Federal law Fair Credit Reporting Act as it relates to identity theft. I have tried every possible way to resolve this matter amicably with 1st Franklin Finance. As 1st Franklin Finance have violated federal law, by not providing the credit bureau ******** Credit reporting agency notice to have there company name removed from my credit report due to identity theft. If this matter persist I will would be seeking compensation in damages per violation, ( Defamation, Negligent Enablement of identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section *****) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-F3.Business response
09/24/2024
Please see the attached response.Initial Complaint
09/20/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with First Franklin. I do not have a contract with them and they did not provide me with any information that i requested.Business response
09/24/2024
Please see the attached response.Initial Complaint
08/30/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
The company failed to verify my identity and initiated a fraudulent hard credit inquiry. This inquiry has made my credit score drop significantly and they will not remove the inquiry from my credit report.Business response
09/04/2024
Please see the attached response.Customer response
09/04/2024
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,
***********************Initial Complaint
08/20/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I had start receiving junk mail from 1st Franklin Financial. They were encouraging people to take out a loan. I have asked these companies to stop harassing me with this junk mail to get us to take out a loan with them. This is harassment. I have No desire to take out a loan with 1st Franklin Financial. No means No. I would like to file a complaint against 1st Franklin Financial for harassment and have them remove my name and mailing address from their mailing list.Business response
08/26/2024
Please see the attached response.Initial Complaint
08/19/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to file a formal complaint regarding errors on my TransUnion credit report. After recently reviewing my report, I have identified several accounts that are not mine.The following accounts listed on my TransUnion credit report are not associated with me:1st Franklin Financial - Opened: 11/21/2017 - Account Number: ************ These accounts do not belong to me, and I have not authorized any transactions or credit inquiries related to these accounts.I request that the BBB help facilitate the resolution of this matter by coordinating with TransUnion and the creditors involved to investigate and remove these incorrect accounts from my credit report.Business response
08/22/2024
Please see the attached response.Initial Complaint
08/13/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i (5) Treatment of inaccurate or unverifiable information(A)In general if, after any reinvestigation under the paragraph (1) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall-(I)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately:1STFRANKLN *************Business response
08/19/2024
Please see the attached response.Initial Complaint
07/19/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I reviewed my consumer report and informed your agency on May 15, 2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the ***** I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial ***************** CFPB. I explained the violations your agency committed under the ***** while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the ***** as I informed you in the previous notice, which I have attached once more again for your record!1ST FRANKLIN ************Business response
07/25/2024
Please see the attached response.
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Customer Complaints Summary
111 total complaints in the last 3 years.
45 complaints closed in the last 12 months.