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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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/15/2025

      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 am writing to bring to your attention a fraudulent account that has been opened in my name with 1ST FRANKLIN. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: 1ST FRANKLIN Opened Date: 07-12-2021 Account Number: **********High Credit: $6,163 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent *********** support this claim, I am attaching a copy of my Identity Theft Complaint for your reference.Thank you for your prompt attentiontothismatter.

      Business Response

      Date: 09/18/2025

      Please see the attached response.

    • Initial Complaint

      Date:09/15/2025

      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 am writing to bring to your attention a fraudulent account that has been opened in my name. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: 1ST FRANKLIN Opened Date: 5/27/2022 Account *******************Opened Date:5/16/2024 Account Number: **********I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter. I look forward to your immediate action and confirmation.

      Business Response

      Date: 09/18/2025

      Please see the attached response.

    • Initial Complaint

      Date:08/14/2025

      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 is an email letter I wrote to 1st Franklin Financial:I received postal mail today congratulating me and welcoming me to 1st Franklin Financial.The problem is: I NEVER took out a loan with 1st Franklin. I checked my ********** account and there is NO check deposited from Franklin. On the letter I received, there's a loan account number: ********** Payment due date: 08/30/2025 Payment amount: $125.12 I did call Franklin and gave this same info to a representative, to which that representative asked me for my SOCIAL Security number!!!!! If I had taken out a loan YOU would have that info! I respectfully ask that you close any involvement with my name (Erizario *****; ***************** 804-xxx-xxxx), as I DID NOT secure a loan with you!

      Business Response

      Date: 08/19/2025

      Please see the attached response.

    • Initial Complaint

      Date:08/13/2025

      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.
      Financed a vehicle thru 1st Franklin finance in June, 2024. Vehicle was hit by deer dec 20, 2024. Vehicle declared total loss dec ******* by ins ** and paid car off in total.Ins ** requested title to be submitted before submitting check. 1st Franklin **uld not find title and requested that I **ntinue making pymts until they **uld locate the title.Ins ** said no pymts were due as auto was paid off in full. 1st Franklin reported to credit bureau that I was late paying for several months which caused my credit s**re to drop by 140poiints. Not my fault they **uld not find title. 1st Franklin reported the ac**unt as paid off as a loss in July 2025 , but it still negatively my credit s**re. I attempted to purchase a vehicle in aug, 2025 and was declined due to credit s**re.I want my credit s**re to be restored to the upper 700's, all late pymts removed and the acct declared as paid as agreed.

      Business Response

      Date: 08/18/2025

      Please see the attached response.

    • Initial Complaint

      Date:08/06/2025

      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.
      Im having financial difficulties because of my employer and my own health problems that Im considering and in the process of filing chapter 7 bankruptcy. I explained my financial situation to the bank manager, and lately, I told them several times not to call me on the phone as I try to sort out the financial problems and because I suffer from anxiety and their calls interrupts me from working. Im taking the situation one day at a time as this not the only creditor that i had fallen behind

      Business Response

      Date: 08/12/2025

      Please see the attached response.

    • Initial Complaint

      Date:07/30/2025

      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.
      On July 30th at 9:32 AM, I received a call from a number *************) claiming to be 1st Franklin Financial, allegedly from ************, ** location on **************. The caller immediately addressed me by name and asked me to confirm my identity. As a general rule, I do not confirm personal details with unfamiliar or unsolicited callers, so I declined.Without further verification, the caller then requested my Social Security Number, which I refused to provide. I promptly ended the call due to the suspicious nature of the ************** ensure no fraudulent activity was occurring in my name, I called the number back. A woman answered but refused to identify herself. She was, however, able to address me by name by looking up my phone number. She then referenced an account he had opened, but refused to give any further information since I wouldnt confirm my SSN. I am female, and this discrepancy alone should have raised immediate red flags in any identity verification process.This situation appears to involve either a fraudulent impersonation or inadequate identity verification practices by 1st Franklin. I did not initiate any loan applications or open any accounts with this company. I am demanding clarification on:Whether this was a legitimate outreach from 1st Franklin If so, how my information was acquired Whether a fraudulent account has been opened in my name If this is indeed a case of identity theft or misuse of my personal information, I expect the matter to be immediately investigated and resolved, and I reserve the right to pursue appropriate compensation for any resulting damages.Please treat this as urgent.

      Business Response

      Date: 08/04/2025

      Please see the attached response.

    • Initial Complaint

      Date:06/20/2025

      Type:Customer Service 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.
      1st Franklin is refusing to bill me and denies receiving payments but false reports to ************* stating im not paying

      Business Response

      Date: 06/25/2025

      Please see the attached response.

    • Initial Complaint

      Date:06/20/2025

      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 am writing to notify you of a fraudulent account that has been opened in my name, and I am a victim of identity theft. I did not authorize the creation of this account. Below are the details of the fraudulent account:Creditor Name: 1ST FRANKLIN Opened Date: 5/3/2022 Account Number: **********High Credit: $1,801.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could confirm the account closure and provide any relevant documentation related to the fraudulent *********** support my claim, I have attached a copy of my Identity Theft Complaint for your reference.Thank you for your prompt attention to this matter.

      Business Response

      Date: 06/23/2025

      Please see the attached response.

    • Initial Complaint

      Date:06/16/2025

      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 called to settle a previous account open with the company.I was notified by company that they sold my account . I called the number given First premier (**** *****) stated he was suing me on the behalf of first Franklin .. loan amount around $3500 and court fees total $17000. I told representatives that I would *** to settle the situation we stated 1st Franklin agreed then within the conversation he stated it was closed and he was going to proceed with court filings against me. My complaint is 1st Financial sold my account without me given the opportunity to rectify the situation then threatened to sue me. I want advice on how to move forward with this situation.

      Business Response

      Date: 06/18/2025

      Please see the attached response.

    • Initial Complaint

      Date:06/10/2025

      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 am writing to formally report a fraudulent account that has been opened in my name with 1st Franklin. I am a victim of identity theft and did not authorize the opening or use of this account. Below are the details of the fraudulent account:Creditor Name: 1st Franklin Opened Date: 4/23/2018 Account Number: ************ High Credit: $1,456.00 I respectfully request that you close this unauthorized account immediately and remove any associated negative information from my credit report. Please also provide written confirmation of the accounts closure along with any documentation related to this fraudulent *********** support my claim, I have attached a copy of my Identity Theft Complaint for your review.Thank you for your prompt attention to this urgent matter.

      Business Response

      Date: 06/16/2025

      Please see the attached response.

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

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