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8197185
|
2024-01-21
|
Getting the loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-21
|
| Complaint What Happened |
Hello, First of all my apologies if this isn't directed to the correct department. That said, I would like to bring to your attention a marketing tactic being used by 1st Franklin Financial.
The company is sending people " Real Checks '' as disguised Personal Loans. If deposited, that will constitutes the acceptance of a personal loan ( or result in a bounced check fee from my bank ).
This practice of sending of checks ( discussed as a personal loan ) is highly predatory. Given this marketting practice makes it too easy to unwittingly accept a personal loans. Frankly, I'm surprised it doesnt already fall under existing CFPB regulations. Regardless, I hope this type of marketing can be stopped.
I have not redacted my personal information ( though would ask it be if shared outside the organization. ) I've attached copies of the XXXX pages included in the communications from 1st Franklin Financial.
Please feel free to reach out if I can be of more assistance.
Thanks, XXXX XXXX ( XXXX ) XXXX
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| Consumer Consent Provided |
Consent provided
|
|
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9378429
|
2024-06-28
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-28
|
| Complaint What Happened |
XXXX, XXXX & Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as XXXX. Please remove all from my credit report.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Items listed above, have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$710.00}, Payment Status : Collection/Charge off Account Name : XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$200.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account # XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$740.00} Account Name : XXXX XXXX XXXX, Account # XXXX, Account Type : XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$440.00}, Payment Status : /Charge off
|
| Consumer Consent Provided |
Consent provided
|
|
|
5991709
|
2022-09-17
|
Getting a line of credit
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting a line of credit
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2022-09-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I got a letter on XX/XX/22 saying I have a unpaid loan balance of XXXX and have a payment amount of XXXX from 1st Franklin Financial and I have not taken ANY loans with anyone and have never even contacted this company, I do not owe this money and dont know why Im getting this letter, it has to be fraudulent.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6969019
|
2023-05-13
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2023-05-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-06
|
| Complaint What Happened |
First Franklin financial in XXXX GA has given me two loans since I have been XXXX XXXX military however now when I apply they tell me it's illegal if it's illegal I would like all the fees and interest back.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9776633
|
2024-08-10
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-10
|
| Complaint What Happened |
On XX/XX/year> I called 1st Franklin Financial to pay off the remainder of my balance. I spoke with XXXX XXXX who took my bank account information over the phone, put me on hold and then came back on the line to tell me the payment wasn't going through and he didn't know why and he would call me back. He did not call me back so I called him the next morning. He then lied to me and told me he called me ( he didn't no missed calls or messages ) and that the payment went thru and they would send my receipt in the mail. They charged my remaining balance TWICE and now I can't get a hold of them because it's the weekend.
|
| Consumer Consent Provided |
Consent provided
|
|
|
12658463
|
2025-03-24
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2025-03-24
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-24
|
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