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All I can say about this company is a great experience. The interest is little high but if we could achieve a lower interest then we would so... They are by far the most professional and compassionate group I’ve encountered with. They regarded my situation as an emergency and didn’t focus on one factor. I know the true customer service experience is usually not revealed until there’s a problem, i.e., a late payment, but I will say that so far, so great! I’m grateful!!
My experience was that of ease, Kayla my loan representative, was very professional. She really did her homework, she made the transition smooth as possible and for that I'm thankful... Kudos to Kayla. The LaPlace Branch... Sincerely, FELIX.
Where to begin... I move around a lot for work and always try to use local companies instead of big banks when making purchases. While I didn't incur any fees or interest I was still very disappointed with how this company operates. First, they don't put the principal amount or interest rate on the monthly statements (or online)... They only put the total amount due at the end of the payment period. For example, the furniture I purchased was $2,900 but the amount on the first statement was $3,900 (again the amount due at the end of the 24 month payment period) with no indication of principal or interest rate. If you intend to pay-off the purchase before the 0% interest period expires you have to keep a spreadsheet on your own tracking the amounts you've paid.
The next bad thing is if you pay more than the minimum amount due on the monthly statement, the next months invoice does not show a reduction in the principal amount (again because they don't put it on the statement). Instead it simply pushes out your due date for the next payment and shows a reduction in the total amount due at the end of the payment period. For example, if your minimum payment of $200 is due on 31 JAN 2018 and you pay $400, your next bill shows up in February but your next payment doesn't show as being due until 31 March 2018. This is to trick people into not paying the loan before the 0% interest period is up.
For example I paid extra every month so I didn't get charged the crazy interest and the due date on my last bill I received was pushed all the way to 10 months later. If you don't pay attention to details this will get you. Finally, my biggest complaint is I actually had to physically walk into a store to pay my final payment and close my account. They wouldn't let me do it online or over the phone. Bottom line is they have unethical business practices to try to get as much interest out of you as possible.
The manager at the Laurens office is nasty and disrespectful. I had a title loan with them. Called them to come get the car because it wasn't working. They sent me a letter saying I was due for a payment if I don't make that payment they will come and get the car. I had been calling for them to get the car. The manager was nasty and rude on the phone. How can you get mad when y'all have the title to the car - why not come and get it? I called again. Now she saying that the paper they sent me it's by law they have to wait a certain amount of days to come get the car. I'm not about to pay on anything that's not working. Y'all have the title come and get it. I don't recommend anyone to go to 1st Franklin in Laurens SC.
The local office of 1st Franklin is awesome. All the ladies are a pleasure doing business with... but the main office/corporate office... not so much. I have been a customer of them for over 2 yrs and have always had a problem with the main office not reporting my payments for 2, and sometime, 3 months... which in turn, holds down my credit score. I was told 2 yrs ago, when I made the 1st loan with them, that they do report every months. Today is Oct 6th, and they have not reported on my account and payments to any of the 3 credit bureaus since July 30th! If you intend to use this company to help build your credit score and/or built your credit, ya might want to give them a 2nd (and 3rd!) thought!!!
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They aren't good to fool with because I had a loan and I went back and refinanced it and a few months later I got sick and miss a payment and I started getting phone calls and a garnish letter to have my earnings garnish. They are a company that won't work with you. The interest is too damn high and they aren't professional at all. I have been trying to rebuild my credit and the loan has been paid off about 3 or 4 years ago and they won't even remove the negative errors from my report but I'll never or will never refer anyone to this company. Instead of them trying to help you improve your credit they trying to destroy it.
Disabled War veterans beware!.. they will take advantage of your disabilities by increasing finance charges and will not work with when you discovered they snowballed you. They are very very unAmerican and do not care about anything but their interest. They will prey on you by sending you letters in the mail to borrow money and misrepresent themselves via advertising. Once you're lured in they’ve got you. Beware! Beware! Beware!
When I talked to the Manager... I'm not really sure if I can be approved but after she explain to me all the rules and requirement... I'm so glad I got all the information and qualified to borrowed money that day. I really appreciate all the help and I'm so glad I went there to do business. I will recommend that company to everybody. Thanks again.
I would recommend this loan company to anybody. I say that because the employees there they ask you how you're doing? They also ask you how your day have been going. They are very nice and reasonable people to get a loan from. If you don't have all the money for your loan they will let you pay half before it's due. The other half you have to let them know when you are going to be in with the rest. This is a very friendly and professional business. I'm going to be sticking with this company for a long time.
Very unprofessional! Applied for a small loan on Monday and was told they would get right back with me. Called on Friday and was told they “weren’t able to get it approved.” No explanation or anything. Very bad business!
These people are so wrong They filed court papers on me the first time and I agreed to pay. I got behind and they filed again after I made a payment. Don't go to these people and they say they're in it to help families. That's a lie. Don't go to these people bc the minute you can't pay they file papers on you.
I went last week to apply for a very small loan, the smallest FF allows, I have been a customer for over 10 years, never a day late or a dollar short, my credit has improved a lot since my divorce, I even have a credit card... I was turned down. F Franklin discriminates against the disabled and people on a fixed income... never will I apply for a loan with them again, especially when I got what I needed from a bank at 3rd of the interest. Thanks for turning me down, you all did me a favor, especially with the outrageous interest First Franklin charges.
Do not use 1st Franklin, my account has been closed for a year and they have NOT reported it to the credit bureau. When asked they said they did, when confronted with credit bureau on the phone they said they would do it right away. When I called back they sounded like idiot trying to answer a question. They said they have reported for 2 year because they would have to pay fines? Um my credit depends on you doing your job RIGHT! DON'T USE THEM!!!
The office in Cumming is the most unwilling to cooperate I've ever dealt with in my 55 years of living. They do not appreciate you at all so keep your money from them. They won't communicate over email. Um, it's 2017. Everyone communicates over email. Even our President! I will be very happy when they are paid off and I would not recommend anyone doing business with them. If you cannot call from your job during the day, definitely don't deal with them!
I had a loan with First Franklin three years ago. First Franklin is not a good place to get a loan. They will not try to work with you when making payments late and they will call you at least four times a day. They called me from different cell numbers, since I didn't answer their business line. Also, they threaten me with garnishment, even though I was a month or two behind and I called and told them my situation. There was a period of time where they did not report, so they would not get fine. I had to call Equifax to get them off my credit, since I already had paid them.
First time dealing with Franklin Financial awful dishonest crooked people... Me my family were homeless. I been working a few months so I took out loan from instaloan... 800$... they were crooked so I paid 2 years on loan over 2200$. Franklin bought this company... After me talking with first loan company I was upset. Franklin sends me a paper saying in guaranteed 1500? So that's when they say "oh we own your loan" so instead of treating me right seeing plainly I was mischarged... they charged me the 334$ I had refused to pay instaloan due to their dishonesty. Franklin yea they do you right aight crooked people, crooked business overcharging a homeless family who already poor... yay!!!
When going to this company I expressed to them I was rebuilding my credit and wanted to make sure they report to the major credit bureaus. I was told, twice, they do and they had a sign in the office stating they do. It has been several months and nothing has been reported. Upon calling the corporate office I was told that two years ago it was an executive decision to suspend reporting!!! I told the rep I was just told a few months ago that you report! In her sweet rehearsed voice she repeats her speech to me, saying that possibly by the end of the years they will again report! I AM PAYING 26% INTEREST TO BUILD MY CREDIT WHICH YOU ARE NOT REPORTING! I must say to their good the workers in the Stockbridge Ga. office are nice but nothing irritates me more than to know I am getting nowhere on building my credit! Looking for someone to buy my loan!!!
We accepted a loan from 1st Franklin to help offset some of our Christmas costs. When we ran into some financial troubles early in the year, this resulted in some late payments to our creditors. From week one of being late, I received at least 4 calls per day, and when I could finally reach out to 1st Franklin, I was told that after I was a month behind, that they were moving to collections. I tried to resolve this with customer service and management, I was met with unprofessional behavior and a very judgmental attitude. I was told that they could move an account to collections even a payment is ONE DAY LATE!
This information was brought to me in what I felt was a very threatening manner. I am Customer Care Coordinator for a local engineering manufacturer and if I addressed any of my customers this way, I would have been fired immediately, regardless of whether the customer was on-time or late with their payments! If you find that you absolutely have to apply for a loan, stay away from this company! If you even fall a little behind, you will be met with several calls daily and lawsuit threats. I know that I should have taken better care of this account, but this company's staff behavior (specifically the management) is WAY beyond unacceptable. Maybe they should try to take in account that there are some good people that just run into bad situations sometimes. Exploiting your customer's misfortunes is really not going to good for your business.
When I got my $1,000.00 loan approved I had to agree to paying auto damage coverage, which was an additional $1000 plus. Something happened to my car where I had to file a claim. It took over 4 months for the check to get sent to the company to fix my car. Never again will I ever use 1st Franklin Financial Corporation. I do not recommend anyone to get a loan from this company. I have gone through too much with them.
I've been with First Franklin for over two years. I was in the hospital and was late on my payment. They called me at work and told me I had to make the payment on or before Tuesday the 30th. I explained that I was getting paid the next day on the 1st and would happy to pay then. She told me that no I couldn't do that and they would start the paperwork to turn over the account. I had a liver transplant in 09 and had to go to Emory University hospital because I was rejecting the organ. They didn't want to hear that and did t want to wait overnight until I was paid. I am very disappointed. Since being a customer for as long as I've been I thought they could wait one day.
I paid off my loan almost 4 months ago. I've been calling the local branch for 2 months to find out why it's still on my credit report. They claim to have issues reporting to the Bureau. I called the corporate office and ** told me they are doing their audit which could take months before they report my updated information! I have never heard of this before. I will never get a loan with them again!
Manager at local office made numerous calls to a third party instead of contacting me then told third party she couldn't tell him what it was concerning. It was a privacy issue. But decided today she could indulge all info.
interest rates are to high! i want to refinance!
1st Franklin Financial Company Information
- Company Name:
- 1st Franklin Financial