Franklin Financial Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/08/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	WI 53202	Web
Im filing a complaint against Franklin financial corporation for taking adverse actions against denying me a credit extention of my own credit. Under 15 u.s.c 1681a. I feel the real reason of denial is on the basis of color. The representative was not knowledgeable about law which she is deemed to know. She admitted she was not familiar with the law, so I asked the representative to connect me with someone who knew the law or rules she denied and said the only reas she was denying me was be I had no job. But I told her thats what I need it for was to obtain employment. She said my only problem was that I didn't have a job. It makes no since I told her to explain if she didn't know the law. I asked the representative if they were under truth and lending refused to answer and refused to let me talk to someone else. When I told the representative I felt like she was discriminating against me she said she was ending the call. If she would of knew the rules/law she would of known there is no such thing as late payment which I explained below. ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer report. ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for -- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX is my payment history. Transaction with the line of credit person/corporation extend to me. My experience is the amount of credit I'm using on that line between me the consumer and the person making the report. So if the report does not include Transaction and Experience, where does late payment and utilization come from? There no way I can be late on a payment. That representative violated 15 u.s.c. 1611 false information. 15 u.s.c. 1681a-k would explain the adverse actions she took against me. Franklin financial corporation had a Fiduciary obligation to do what is best for be and failed me. 15 u.s.c. 1601, 15 u.s.c. 1605. Ect..
11/05/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 32114	Web
On XX/XX/XXXX I researched companies for auto loan refinancing. I found this company online called XXXX XXXX XXXX XXXX. Someone from the company called me in claimed they can negotiate with my lender for a lower car payment they charged me half of my car note to start the process which was {$270.00} I have signed docusigned documents. After 2 weeks I hadn't heard anything from this company when I call them they never answer the phone. Finally I spoke to a lady named XXXX she claimed I had to get all these different documents from my lender that they never mentioned at first I was suppose to get calls from a worker named XXXX he never called me! ... when I spoke to my lender my lender stated they never heard of this company and that they do no negotiate lower car payments ... I did more research on this company by XXXX the phone number on the site. I found out they scammed more people claiming to help lower car payments ... I disputed the {$270.00} bank payment with my bank and they denied my dispute claiming they could find no evidence of fraud ... this company is not legit this is the website they use to scam people XXXX XXXX XXXX. There is not enough contact information shared I would like my funds returned to me this time period is already hard due to the pandemic yet you have people out stealing from people by lying like they are out to help!
02/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80112	Web
I have diligently tried to ensure everything on my credit report was correct and paid. There are now 3 negatives that are simply false. I have NO IDEA who XXXX XXXX is. I have not received a bill from them and do NOT owe them {$330.00}. I have diligently tried to resolve this. I filed a dispute and still never received ANY documentation of this bill, nor what it is for. I explained this in great detail to XXXX, yet they said the negative has been verified. How can it be verified, if I dont even know what it is??? If just anyone can submit a collections account on your credit report, then what is the point in even attempting to make sure all your debts are paid? You can look at the 38 pages of my excellent payment history and KNOW that I would not knowingly leave a {$330.00} bill unpaid!!!! I can not pay what I do not know. And then there is XXXX XXXX. This dispute was over XXXX cents AFTER an account was closed. XXXX erroneously allowed the XXXX cents to be charged to a closed account, which by the time I found out, i had to pay {$160.00}!!!! I uploaded PROOF and XXXX still says they verified and it stands. If they VERIFIED, they would KNOW XXXX made a mistake. So for {$330.00} and for XXXX cents, my credit has been RUINED!
07/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 388XX	Web
Account receivable is account set up by girl I dated an she used my social because she said she didnt have the deposit this was after the fact!!! XXXX XXXX XXXX said it was a mistake if I would dispute it they would fix it an take care of it as son as they got it!!! XXXX XXXX sails I owe them XXXX something dollars am they never bought the loan from approved auto so therefore they have no reason to be on my credit report at all long story short I been working hard to try have some credit to have something an the only loan I have has been in good standing on time every month an it doesnt even show on there for most part. XXXX XXXX hit my credit 9 times in less 2 month on debt XXXX dollars that was a XXXX XXXX XXXXlaim so therefore please please I have done the footwork of call after call over this because this is my life. I expect someone to fix my credit give back my points that belong to me so I can live my life
10/24/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53218	Web
{$1100.00} opened XX/XX/2015 I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). If you can not perform this type of investigation or locate all of the records to investigate this dispute, please update the credit bureaus to remove the information. Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. Then I may conduct my own investigation.
06/22/2015	No	Consumer Loan Vehicle loan	Managing the loan or lease	WI 53142	Web
The issue that I am having with the financial institution is that I have a verbally told them to not contact me at my place of employment XXXX separate occasions and they are still calling my employer also as well as verbally telling them I did draw up a cease-and-desist paper explaining again demanding them to stop contacting me at my job and today, they called my job again and left a detailed message on the voicemail. My boss is writing me up, and is on the verge of ending my employment. Along with that, they have sent a copy of my vehicle title to an unauthorized reference through email, this reference is NOT listed on the loan and therefore I feel it was a gross violation of our privacy policy. Also, a reference I listed has been continuously called and harassed by Franklin Finance, even after telling them the calls need to stop, they still call him.
08/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53218	Web
To whom it may concern. I would like to file a complaint on these companies. These things should not be on my credit because I never signed a contract with them. I believe that I am being scammed, because I been paying on bills and I don't owe it to these particular businesses. Please assist me in these matter so that I can better my credit. XXXX XXXX Current XXXX Opened {$62000.00}
09/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53225	Web
Franklin Financial reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the Finance Company was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.
03/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 706XX	Web
Franklin Financial XXXX has reported an account to my credit this morning, I was notified and called them. They have my current address and phone number but I have not gotten any bills from them. I asked them to provide me with proof they have sent me something and he had nothing to send. I spoke to XXXX XXXX at XXXX ext XXXX
03/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53221	Web
Auto Loan still remain on my credit after it has been fully satisfied in the Full amount. This Auto Loan Was Fully Satisfied XX/XX/XXXX. This Auto Loan Is From XXXX. I Was The Seconday On The Account For My Brother. I Have The Sealed Document Of The Cleared Judgement.
02/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53209	Web
On XX/XX/2019 and XX/XX/2019 XXXX XXXX XXXX ran hard inquiries on my credit without my permission.
09/25/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 354XX	Web
Kept getting a chatbot and no live person to dispute debt. Debt belongs to someone else.
01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53235	Web

09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 35124	Web

08/27/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75061	Web

09/06/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	WI 53215	Web	Servicemember

06/09/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TN 37091	Referral

08/20/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MS 38852	Web

05/03/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 54902	Web