CFPB Consumer Complaint Profile
Ben Franklin Finance LLC
What 16 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 16
- Total complaints
- Below average
- 8
- Last 12 months
- 18.8%
- Timely response
- Bottom decile
- 10
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Ben Franklin Finance LLC sits at #3154, with 16 complaints logged. On-time replies land at 18.8%, the 1st percentile for the 100+ complaint peer group.
- #3154
- of 3,843 companies by volume
- 18.8%
- on time (1st pctile)
- Credit reporting or …
- most-complained product
- 10
- 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.
Ben Franklin Finance LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
18.8% Among the lowest higher than 1% 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
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 |
|---|---|
| 2024 | 6 |
| 2025 | 10 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Ben Franklin Finance LLC
16 complaints against Ben Franklin Finance LLC appear in the CFPB record, including 8 from the trailing year. The 10 states and territories represented put this footprint in geographically concentrated territory. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Ben Franklin Finance LLC draw a 18.8% reply rate inside the Bureau's 15-day window. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
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 Ben Franklin Finance LLC have?
The CFPB has logged 16 complaints against Ben Franklin Finance LLC to date, of which 8 came in over the last 12 months.
Does Ben Franklin Finance LLC respond to complaints on time?
Ben Franklin Finance LLC's CFPB timely-response rate is 18.8%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Ben Franklin Finance LLC?
The most complained-about product for Ben Franklin Finance LLC is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Ben Franklin Finance LLC?
Consumers most often cite "Incorrect information on your report" when complaining about Ben Franklin Finance LLC; the full issue list with counts is above.
How do I file a complaint against Ben Franklin Finance LLC?
You can file a complaint against Ben Franklin Finance LLC 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 Ben Franklin Finance LLC?
The CFPB has recorded complaints against Ben Franklin Finance LLC from 10 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.
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.