CFPB Consumer Complaint Profile
1st Franklin Financial Corporation
Behind the 710 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 710
- Total complaints
- Above average
- 224
- Last 12 months
- 80.8%
- Timely response
- Bottom decile
- 21
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, 1st Franklin Financial Corporation sits at #411, with 710 complaints logged. It posts a 80.8% on-time response rate, the 10th percentile among companies with 100+ complaints.
- #411
- of 3,843 companies by volume
- 80.8%
- on time (10th pctile)
- Credit reporting or …
- most-complained product
- 21
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
1st Franklin Financial Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
80.8% Among the lowest higher than 10% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 112 in 2024 to 201 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 5 |
| 2014 | 16 |
| 2015 | 17 |
| 2016 | 10 |
| 2017 | 19 |
| 2018 | 34 |
| 2019 | 27 |
| 2020 | 32 |
| 2021 | 41 |
| 2022 | 65 |
| 2023 | 70 |
| 2024 | 112 |
| 2025 | 201 |
| 2026year in progress | 61 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for 1st Franklin Financial Corporation
The CFPB Consumer Complaint Database has logged 710 complaints against 1st Franklin Financial Corporation overall, with 224 of those filed in the trailing 12 months. Reports have come from consumers in 21 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, 1st Franklin Financial Corporation posts a 80.8% reply rate on forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Resolved cases drew a formal consumer-dispute rate of 23.2% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.1% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does 1st Franklin Financial Corporation have?
The CFPB has logged 710 complaints against 1st Franklin Financial Corporation to date, of which 224 came in over the last 12 months.
Does 1st Franklin Financial Corporation respond to complaints on time?
1st Franklin Financial Corporation has a 80.8% timely response rate to CFPB complaints.
What product generates the most complaints for 1st Franklin Financial Corporation?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against 1st Franklin Financial Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with 1st Franklin Financial Corporation?
"Incorrect information on your report" is the single most frequently cited issue in complaints against 1st Franklin Financial Corporation - see all issues and counts above.
How do I file a complaint against 1st Franklin Financial Corporation?
You can file a complaint against 1st Franklin Financial Corporation directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about 1st Franklin Financial Corporation?
The CFPB has recorded complaints against 1st Franklin Financial Corporation from 21 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for 1st Franklin Financial Corporation: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (23.2% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.