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Business Profile

Collections Agencies

Franklin Service, Inc.
BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

Complaints

This profile includes complaints for Franklin Service, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Franklin Service, Inc. has 2 locations, listed below.

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    Customer Complaints Summary

    • 72 total complaints in the last 3 years.
    • 12 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:07/01/2025

      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 not liable for this **** with Franklin service **** I do not have a contract Franklin Service **** they did not provide me with the original contract as requested.

      Business Response

      Date: 07/14/2025

      Franklin Service, Inc. (FSI) received placement of a debt for collection from ***************** on 05/09/2024.  The consumers address was provided by the creditor and after bankruptcy scrubbing, an initial ***** Regulation F compliant validation letter was transmitted to the address provided by the creditor.  Subsequently, *** did commence making telephone calls to the consumer. All placed calls met the ***** Regulation F call frequency requirements.  The account was marked for dispute and shows cease communication. Consumer may contact our call center at ************** for assistance. 

    • Initial Complaint

      Date:05/30/2025

      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.
      I am not liable for this debt with FRANKLIN COLLECTION SERVICES I do not have a contract with FRANKLIN COLLECTION SERVICES, they did not provide me with the original contract as I requested.

      Business Response

      Date: 06/06/2025

      Franklin Service, Inc. (FSI) received placement of a debt for collection from NORTH ALABAMA UROLOGY PC on 05/24/2024.  The consumers address was provided by the creditor and after bankruptcy scrubbing, an initial ***** Regulation F compliant validation letter was transmitted to the address provided by the creditor.  Subsequently, *** did commence making telephone calls to the consumer. All placed calls met the ***** Regulation F call frequency requirements.  The account was marked for dispute and is not on the consumer's credit. Consumer may contact our call center at ************** for assistance. 

    • Initial Complaint

      Date:05/29/2025

      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 do not have a contract nor did I sign any paper work with Franklin Collection. When ask to provide the original contract they could not provide it. On my credit report with credit karma they claim their the original creditor.

      Business Response

      Date: 06/06/2025

      Franklin Service, Inc. (FSI) received placement of a debt for collection from ****** PLASTIC SURGERY on 05/26/2023.  The consumers address was provided by the creditor and after bankruptcy scrubbing, an initial FDCPA Regulation F compliant validation letter was transmitted to the address provided by the creditor.  Phone provided was marked invalid.  The account was marked for dispute per request from the consumer via EOSCAR. Consumer may contact our call center at ************** for further assistance. 

    • Initial Complaint

      Date:04/07/2025

      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 3/15/25 I filed a complaint with the CFPB requesting a complete chain of title demonstrating the debt collectors legal right to collect this alleged debt. If the debt has been assigned or sold, I require documentation proving the ownership transfer. FSI failed to provide documentation showing legal authority to collect. Instead FSI stated that they sent a validation letter (which wasn't requested) and closed account with an explanation. I requested for the account to be closed and removed from all credit reports if documentation cannot be provided.

      Business Response

      Date: 04/08/2025

      FSI performs third party collections for ***. This debt was not purchased by FSI.  Answer given follows FDCPA guidelines:

      "Franklin Service, Inc. (“FSI”) received placement of a debt for collection from *** ******** ******* ****** on 04/17/2024. The consumer’s address was provided by the creditor and after bankruptcy scrubbing, an initial FDCPA Regulation F compliant validation letter was transmitted to the address provided by the creditor.  Subsequently, FSI did commence making telephone calls to the consumer. All placed calls met the FDCPA Regulation F call frequency requirements. No one has spoken with the consumer about this account.  They may contact our call center at ***** ********.  The account has been marked for dispute and ceased, per consumer request. "


    • Initial Complaint

      Date:01/03/2025

      Type:Billing Issues
      Status:
      Resolved
      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 never got a letter from Franklin Services yet I am being contacted by agents but when I call back my account is never found in their system. I also lack a account number due to the lack of being provided one.

      Business Response

      Date: 01/07/2025

      Franklin Service, Inc. (FSI) received placement of a debt for collection from Emergency Physicians South on 11/17/24.  The consumers address was provided by the creditor and after bankruptcy scrubbing, an initial ***** Regulation F compliant validation letter was transmitted to the address provided by the creditor.  The letter was not returned undeliverable.  Subsequently, *** did commence making telephone calls to the consumer. All placed calls met the ***** Regulation F call frequency requirements. No communication shows notated on the account. Information provided by the consumer appears on the account in question.  Consumer may call us at ************, and someone will be happy to assist.

      Customer Answer

      Date: 01/14/2025

      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

       Complaint: 22764918

      I am rejecting this response because: I still have not received anything in the mail about said letter and if I call they ask for private info with a bot that I am not okay with sharing however I did and it said there is no account with my information and was not given the ability to speak to an agent. If I could receive my account number properly I'd pay the bill through the website.

      Regards,

      ***** ******

      Business Response

      Date: 01/22/2025

      I have sent an email to the consumer via the address provided that contains the account number and web address information to review/resolve the account.  Thank you for your response.  Should further information be required, consumer may call us at ************ for the call center or call ************ and have an operator transfer you to a supervisor.

      Customer Answer

      Date: 01/23/2025

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      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. 

      Regards,

      ***** ******

       

    • Initial Complaint

      Date:11/16/2024

      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 not liable for this debt with OCH REGIONAL MEDICAL CENTER, I do not have a contract with FRANKLIN SER they did not provide me with the original contract asI requested.

      Business Response

      Date: 11/27/2024

      Franklin Service, Inc. (FSI) received placement of a debt for collection from OCH *********************** on 4/4/20.  The consumers address was provided by the creditor and after bankruptcy scrubbing, an initial FDCPA compliant validation letter was transmitted to the address provided by the creditor.  The letter was not returned undeliverable.  Subsequently, *** did commence making telephone calls to the consumer. All placed calls met the ***** call requirements.  Consumer account was marked disputed. Itemized statement provided by the client has been forwarded to the consumer via mailing address provided.

    • Initial Complaint

      Date:11/10/2024

      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 not liable for this debt with Tuscaloosa Lung Sleep Const. I do not have a contract with Franklin Collection Sv, they did not provide me with the original contract as I requested.

      Business Response

      Date: 11/27/2024

      Franklin Service, Inc. (FSI) received placement of a debt for collection from Tuscaloosa Lung Sleep on 3/7/22.  The consumers address was provided by the creditor and after bankruptcy scrubbing, an initial ***** Regulation F compliant validation letter was transmitted to the address provided by the creditor.  The letter was not returned undeliverable.  Subsequently, *** did commence making telephone calls to the consumer. All placed calls met the ***** Regulation F call frequency requirements.  Consumer account was marked disputed.

    • Initial Complaint

      Date:09/24/2024

      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.
      A representative from Franklin Collection Services by the name of **** contacted me in regards to a debt that was owed to the company. He was very nice. After I got off the phone with ****, I realized I had another question so I called the company back. I received the worst customer ********************** when I called back. The representative I spoke with (*******) transferred me without notifying me and she hung up in my face so I had to call back again. When I called back the second time, I asked to speak with a supervisor. They transferred me to lead. They never transferred me to a supervisor. I told that guy, I wanted to speak with a supervisor. He said he would get my name and number and have a supervisor give me a call back. I was never contacted by a supervisor. I called back today and spoke with Someone name ***********. He stated he was a supervisor but I believe he was lying. *********** had poor customer ********************** and I felt as if he was saying anything to get me off the phone. I was very disappointed with the service I received with this the company, when all I trying to do was pay a debt that was owed. The company address that I called is ****************************************** Tupelo ***

      Business Response

      Date: 09/27/2024

      Calls were reviewed by Compliance and the *********** Manager.  Agents have been addressed.  *********** Manager has contacted the consumer, per their request and the case has been closed.

    • Initial Complaint

      Date:09/10/2024

      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'm not Liable for this Debt with TUPELO WATER LIGHT ***** I do not have a Contract with the Collection agency FRANKLIN SERVICE **** they did not provide me with the Original contract that was requested.

      Business Response

      Date: 09/16/2024

      Franklin Service****** (FSI) received placement of a debt for collection from Tupelo Water and Light on 2/20/2023.  The consumers address was provided by the creditor and after bankruptcy scrubbing, an initial FDCPA Regulation F compliant validation letter was transmitted to the address provided by the creditor.  The letter was not returned undeliverable. Account was reported to credit at the proper time. Signed agreement from *** was sent to the email provided by the consumer in the communication.  The account is currently in dispute status.

    • Initial Complaint

      Date:08/05/2024

      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 not liable for this debt with HUNTSVILLE EMERGENCY PHYSICIAN , I do not have a contract with FRANKLIN COLLECTION SERVICES the collection agency trying too collect or trying too report this too my credit report. They did not provide me with the original contract as requested.

      Business Response

      Date: 08/07/2024

      Franklin Service, Inc. (FSI) received placement of a consumer debt for collection from ************************************* on 12/13/2023.  The consumers address was provided by the creditor and after bankruptcy scrubbing, an initial ***** Regulation F compliant validation letter was transmitted to the consumer at the address provided by the creditor.  The letter was not returned undeliverable.

      Subsequently, FSI did commence calling the consumer at the telephone number also provided by the creditor. All placed calls met the ***** Regulation F call frequency requirements. 

      On 03/21/2024 a letter was sent to the consumer address to inform the consumer of the impending reporting of the debt to the consumers credit.

      An email with copies of the aforementioned letters, as well as the original Itemized Statement from the creditor has been sent to the consumer.

      Franklin Compliance
      Franklin Service, Inc
      ************
      *********************************


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