|
6657263
|
2023-03-06
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5876740
|
2022-08-14
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6968898
|
2023-05-13
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
No
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6887795
|
2023-04-25
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
No
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem canceling credit monitoring or identify theft protection service
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-25
|
| Complaint What Happened |
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
|
| Consumer Consent Provided |
Consent provided
|
|
|
3599405
|
2020-04-09
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
No
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2020-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-04-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I sent a validation of debt letter to 1st Franklin Financial dated XX/XX/2020, after receiving a letter dated XX/XX/2020, from 1st Franklin Financial stating that they had just received a debt that was transferred to them that belonged to me. 1st Franklin then sent me a letter on XX/XX/2020 refusing to validate the alleged debt that they state belong to me. 1st Franklin Financial is now in violation of UCC 5-301 FAILURE TO ENDORSE OR SIGN A PRESENTMENT and FAILURE TO SHOW PROPER AUTHORITY TO ACT ON BEHALF OF ANOTHER. 1st Franklin Financial has failed to provide me with following information : What money they say I owe, explain how they calculated what they say I owe, provide copies of any paperwork that show I agreed to pay what they say I owe, provide a verification or copy of any judgment, identify the original creditor, prove the statue of limitations has not expired on the account, show me that they are licensed to collect in my state, or provide me with their license number and registered agent or agent service. 1st Franklin Financial has also continued to harass me about a unverified validated debt, by continuing to write to me. I have attached the two letters I sent to 1st Franklin Financial as well as the three letters I received from 1st Franklin Financial.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10600104
|
2024-10-28
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10540566
|
2024-10-22
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-22
|
| Complaint What Happened |
This is my another refilling of complaint to 1ST FRANKLIN FINANCIAL for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3339479
|
2019-08-13
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
No
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Title loan
|
| Date Received |
2019-08-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
1 Franklin Financial made a modification to my loan, then withdrew their modification and that same day repossessed my car.
XXXX XXXX 1ffc employee XXXX XXXX had been texting me from her personal cell phone. Because my account was past due, XXXX told me on XX/XX/XXXX that she'd get my payments reduced to {$150.00} a month. She then asked if I was going to come in and pay {$150.00} or bring my car? I told her pay I'd pay the {$150.00}. My car was being fixed at the time, so I asked her how to pay a partial payment online because it was only giving me an option to pay {$340.00}. She never responded to that so I paid a payment of {$340.00} on XX/XX/XXXX. On XX/XX/XXXX I also spoke with XXXX XXXX & Mr. XXXX XXXX. I spoke with XXXX about being behind on my payment & my situation. I also told her I was trying to work something out because sadly we are in family counseling due to my childrens father committing XXXX and my daughter is in XXXX XXXX due to her dads XXXX & her grandparents XXXX XXXX her. So I need/needed my car for transportation. She said she'd contact Mr. XXXX to see what could be worked out. Shortly after, Mr. XXXX XXXX called me, explaining the modification that was worked out. {$150.00} per month for 10 months. He then told me to come sign the paperwork, I told him as soon as I got a way I would. My daughter & I went in on 2 separate occasions to sign the paperwork. I went by I believe it was the 1st week of XX/XX/XXXX and they said I'd have to come back when XXXX was there. So on Friday XX/XX/XXXX, I went in again with hopes of signing the paperwork and paying a payment of {$150.00} & again I was told XXXX was out, she was the one I needed to see. The supervisor, XXXX XXXX, called me on Thursday, XX/XX/XXXX and told me this modification or this time as he called it " offer '' had expired & was no longer available. But I wasn't told this was an offer & I wasn't given an expiration date. I was told it was a modification and I was to pay 10 payments of {$150.00} & I wouldn't owe anything else. ( Keep in mind, I paid a payment of {$340.00} XX/XX/XXXX, same same day MODIFICATION was made. ) On XX/XX/XXXX within 2 hours of speaking with XXXX XXXX, 2 repo men knocked at my door & with my car already hooked up and in the road, 1 of the men said " we need your keys. '' They didn't show me an order for repossession or any type of paperwork, just " we need your keys. '' So shortly after, I contacted 1ffc Quality assurance & they said someone would be getting in touch with me. Soon thereafter, Mr. XXXX XXXX contacted me and told me that the modification was an " offer '' & that it had expired XX/XX/XXXX. I told him I was told it was a modification, not an offer, & i wasn't given an expiration date!! I asked Mr. XXXX if I could pay a full payment of {$340.00} and get my car he said no. He proceeded to say the only option i had to get my car back was to pay the past due balance in full or pay {$640.00}. Mr. XXXX didn't seem to care that I tried to sign the paper work & he didn't seem to care about anything I had to say. I called Mrs. XXXX a little later & told her I had {$400.00} & she said I couldn't get my car without {$640.00}, which is a {$340.00} car/loan payment & {$300.00} repo fee. I shouldn't be held at fault for Mrs.XXXX not being at work when I went to sign the papers and 1ffc shouldn't make a modification & then take it back. But i was given no warning of repossession nor was i told the modification was an offer that had an expiration date until Mr. XXXX told me on XX/XX/XXXX.
I am behind on my account, which they knew that when they told me on XX/XX/XXXX they was making the modification. I also paid a full payment of {$340.00} on XX/XX/2019. It is not my fault again that XXXX wasn't there for me to sign the papers! According to the modification as you see documented, that would mean I owe {$150.00} for XX/XX/XXXX. But yet without warning my car was repossessed and I know this is not right. I do not appreciate the way I have been treated.
Then on XX/XX/19 I recieved a call from 1ffc operations vice president. When the operations vice-president contacted me he was very rude and told me if I wanted my car to shut my mouth and listen to what he had to say.I then put him on speakerphone he said it was nonsense that I had called and complained so many times. He told me if I wanted my car back to take the XXXX cash that I had and for me to sign another loan agreement he also said otherwise unless I paid the past due amount in full I wouldn't get my car those were my choices! He was very rude! He told me not to say a word when I went in there that if anything was said regardless of whose fault it was I wouldn't get my car and he meant it he said and I have a witness! I have been treated like XXXX to say the least. I was forced to sign another modification/loan! I did not choose to accept the most recent loan modification! I was told by operations vice president I had to pay the {$400.00} and sign the most recent loan modification or pay the past due amount in full or be without a car! He also said loud and clear that 1FFC is all about the money. Therefore how they treat people doesn't matter to them. They should stick to the 1st modification they told me before my car was repossessed, which was 10 payments of {$150.00} then it'd be done. And this is what I want honored.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7217846
|
2023-07-07
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-07
|
| Complaint What Happened |
My credit was ran without my consent or by someone pretending to be me.
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX J XXXX XXXX XX/XX/XXXX and XXXX of XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6680802
|
2023-03-11
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-11
|
| Complaint What Happened |
I have no knowledge of this account
|
| Consumer Consent Provided |
Consent provided
|
|
|
8699005
|
2024-04-05
|
Struggling to pay your loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-04-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-08
|
| Consumer Consent Provided |
Other
|
|
|
9434485
|
2024-07-05
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-07-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-05
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10591758
|
2024-08-24
|
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 |
2024-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9891425
|
2024-08-22
|
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 |
2024-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7709792
|
2023-10-16
|
Struggling to pay your loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Tags |
Servicemember
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Payday loan
|
| Date Received |
2023-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-16
|
| Complaint What Happened |
I was wrongly sue by 1st Franklin. I did not get served. I went to the court house the and got information about and I was in uniform the day of court. I tried talking to your XXXX, Mississippi agents to resolve the problem.1st Franklin have a garnishment on my check. I submitted the requested documents and then they say they will not work with me. 1st Franklin broke the XXXX XXXX XXXX. 1st Franklin went against my rights as a military.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7668181
|
2023-10-09
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-10-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-09
|
| Complaint What Happened |
I have no knowledge of this hard inquiry. The hard inquiry is a result of identity theft and it must be removed within no later than 4 business days as per 15 USC 1681, c-2
|
| Consumer Consent Provided |
Consent provided
|
|
|
9823473
|
2024-08-16
|
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 |
2024-08-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-16
|
| Complaint What Happened |
Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a garnishment of debt in the amount of {$5500.00}, which is scheduled to become effective on XX/XX/XXXX. The creditor, XXXX XXXX XXXX, plans to garnish 25 % of my earnings every pay period to satisfy this debt.
I have made several attempts to arrange a payment plan directly with XXXX XXXX XXXX ; however, I was informed that my account had been sold to a debt collection agency, XXXX XXXX PA. Despite my efforts, I have been unable to establish a workable payment plan with either the original creditor or the debt collection agency.
My financial situation has been significantly impacted by a period of unemployment that lasted from XX/XX/XXXX until XX/XX/XXXX. During this time, I was unable to secure stable employment, which led to considerable financial hardship. While I have recently resumed working, my income is still insufficient to manage a garnishment of 25 % of my earnings, especially after such a prolonged period without income.
I am requesting that the Consumer Financial Protection Bureau intervene on my behalf to either prevent the garnishment or to assist in negotiating a more manageable payment plan that reflects my current financial situation. I am willing to make payments toward this debt, but the current terms of the garnishment will place an undue burden on my ability to meet basic living expenses.
Thank you for your attention to this matter. I am hopeful that with your help, we can reach a resolution that is fair and manageable for all parties involved.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6208936
|
2022-11-16
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem when making payments
|
| Timely |
No
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2022-11-16
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-02
|
| Consumer Consent Provided |
N/A
|
|
|
10188404
|
2024-09-20
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-20
|
| Complaint What Happened |
This is my refilling of complaint to XXXX XXXX XXXX for allowing fraudulent inquiry on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5570357
|
2022-05-17
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-05-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6261781
|
2022-11-30
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2022-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-30
|
| Complaint What Happened |
This whole scenario started because I was sent a live check in the mail. I don't know how I received this offer. Ive never interacted with this company beforehand. My open end credit policy was used without my permission.They pre-screened illegally. After I cashed the live check. I then received a call asking did I cash and then I received a billing statment in the mail from 1st Franklin Financial for an alleged debt. ( EXHIBIT 1 ) I then sent in a negotiable instrument for tender and it was refused. ( EXHIBIT B ) *copy will be below ( According to UCC-3-603b Tender of Payment : If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and tender is refused, there is discharge, to the obligation of an indorser of accommodation party having a right of recourse with respect to the obligation to which the tender relates. ) I then received a call XX/XX/2022 regarding this negotiable instrument. " Asking what is this? Also, they don't accept this payment. Receptionist even took my number and name down to have someone contact me on my tender payment.
XX/XX/2022. A lady, who was supposedly a manager from the company, called me back. Stating that they looked up my negotiable instrument of my tender payment and they do not abide by those laws. These were her exact words. " I CAN NOT ACCEPT THIS FORM OF PAYMENT AND IF I DIDN'T PAY MY FIRST PAYMENT, THEY WOULD MOVE FORWARD WITH LEGAL ACTIONS ''. I have the full voice recording below. Also, she began to threaten me on this call and was very argumentative. Saying if I was refusing to pay cash or check or payment that they were sending me to collections and was going to damage my credit. Remember this was chaos on my supposedly first payment owed on alleged debt.
XX/XX/XXXX, XXXX I received a letter in the mail that 1st Franklin Financial sent me stating they did not receive my initial monthly payment when in reality they refused my negotiable instrument. *I will have all attachments below of all documents. ( EXHIBIT 3 ) XXXX XXXX 2022- I received a letter in the mail from 1st Franklin Financial as Notice of Acceleration.Stating that the entire balance of an alleged debt of {$2200.00} was due and payable immediately. Also, that they had started legal proceedings to collect the unpaid balance and may take other legal actions : including repossession of any goods or motor vehicles if pledged as collateral for credit loan transaction. Also, that I may be required to pay attorney 's fees, court filing fees and court costs in addition to the amount stated above. ( EXHIBIT 6 ) * document will be below XX/XX/2022 - XXXX sent out a debt of validation letter to the direct branch here at XXXX XXXX XXXX, XXXX, Mississippi and to the headquarters CEO Virginia XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX, US. Thirty days is up for verifying debt. Company still could not be verified in court either on XX/XX/2022. A contract between both parties with both signatures was never signed and never given. ( EXHIBIT 10, EXHIBIT XXXX ) XX/XX/2022 - My RING doorbell camera caught a video recording of a constable coming to my door and taping a notice to appear at court on XXXX XXXX for court for the alleged debt said to be owed to 1st Franklin Financial at 9:00am. 15 USC 1681 ( a ) ( 4 ) neglect of privacy. ( EXHIBIT 7 ) ( EXHIBIT 8 was a copy sent through mail ) * camera footage below as well XX/XX/2022- Court was at XXXX. They still had not validated the debt and the judge went in my favor to appeal it within 30 days. 1st Franklin Financial still has not validated debt. They have violated me as a consumer on several occasions. They also are illegally breaking the laws and doing false/misleading representations, harassing/threatening/abusing. Also, they never cease collections. According to 15 USC 1692 they have made many violations. Alleged debt is not owed. Alleged debt can not be verified. Alleged debt owed is false. ( EXHIBIT 12 ) ABSTRACT OF JUDGEMENT ) XX/XX/2022 - I received another billing statement after court date. They still have not ceased collections. Still have not verified debt. As a consumer, Im being oppressed. Throughout this whole process has been stressful on behalf of me dealing with my elderly grandmother with severe illness and my own mental health regarding the harassment and threats. ( EXHIBIT 9 ) Also, I've checked my consumer report and they are reporting me as a late payment. ( EXHIBIT 13 ) 15 USC Code 1666b ; 15 USC 1681 ( a ) ( 4 )
|
| Consumer Consent Provided |
Consent provided
|
|
|
5536404
|
2022-05-04
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-05-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9386360
|
2024-06-30
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-06-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3891112
|
2020-10-09
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
No
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-10-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2936260
|
2018-06-14
|
Incorrect information on your report
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Installment loan
|
| Date Received |
2018-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/XXXX, 1st Franklin is reporting a " 30 days '' late from XX/XX/XXXX. I have had several loans approved and refinanced with this company. I have never paid an account 30 days late. My accounts were refinanced and the payment dates changed during the time of refinancing.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9375322
|
2024-06-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3554809
|
2020-03-04
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-03-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
1ST FRANKLIN ACCOUNT XXXX This account has been on my Credit Bureaus and I have disputed it numerous times and the Credit Bureaus state that the information is correct and it is Fraud and I am a victim of Identity Theft. I personally took the Police report to 1ST Franklin and they said that there was nothing that they would do about the account knowing it was not mine and I gave them a copy of my Drivers License so they could compare their file to my ID and they made a copy of it and put it in their file to start pursuing me to pay for this even though it is not mine.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7368647
|
2023-08-08
|
Problem with customer service
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Problem with customer service
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Check cashing service
|
| Date Received |
2023-08-08
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-05
|
| Consumer Consent Provided |
N/A
|
|
|
8927112
|
2024-05-03
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-05-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-10
|
| Complaint What Happened |
I noticed several unauthorized inquiries on my credit report : XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- 1st Franklin XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- 1st Franklin Financial XX/XX/XXXX -- -- -- XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
1969861
|
2016-06-15
|
Problems when you are unable to pay
|
Consumer Loan
|
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2016-06-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
9035525
|
2024-05-17
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
1st Franklin Financial Corporation
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Other debt
|
| Date Received |
2024-05-17
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-17
|
| Consumer Consent Provided |
N/A
|
|
