First Franklin Financial
Reviews and Complaints

what happened with the lawsuit, I never heard anything back from them, I am not living at the house I was buying but I haven't received any foreclosure notices either. It is just there, afraid to do any work to the house cause as soon as I do they will try and take it. its been empty for 3 yrs. now.

In 2005 we purchased a home in Salinas, CA that eventually we got foreclosed on in 2007 due to loss of a job. The payments were so high we had to walk away as I could no longer make the same kind of money I used to while working on the coast. We felt badly and knew this would affect our credit for years to come but had to get on with our lives like so many other folks who lost houses. It still sticks in my craw that First franklin really got away with murder and was never called on the carpet but this goes all the way to the top, Wall Street, B of A etc gambling blindly with normal people's lives and homes. The guys who close down one company like Countrywide just start up another like Residentail Credit Solutions and the greed continues year after year. Will anythinf be done to stop the greed and try and make companies try and compensate the millions like us who lost their homes?

The same thing happened to me. B of A would claim that they lost my paperwork or that they didn't receive it they denied me several times for no apparent reason. One of the ladies on the phone line was trying to bully me saying "you got denied" and as my HUD (recommend HUD it's free) representative asked "why did she get denied she submitted everything and I have prove of that" her reply was "I don't know but she's denied" so heartless as if she enjoyed the power of saying NO. After going back and forth she transferred me to the appeals department (it's so silly they have all of these different departments and none communicate with each other.) Now this person was very sympathetic and straight out told us "I don't know why you got denied, that is a mistake let me appeal that you will hear back in a few days." It's a mind game, if you give in you'll loose, I was so angry that I fought everything all the way through and finally after 9 loooooong months and 3 denials I got modified. I recommend that you find a free agency such as HUD they helped me because at times I was so emotional that I couldn't think straigh plus they knew the ins and outs of the banker game.

The does not sounds like Franklin First Financial to me. I refinanced with them 2 months ago and the process was handled with the utmost professionalism. Everything was disclosed upfront and that is exactly what I saw at the closing. I think Franklin First Financial is a great bank, they certainly took good care of me.

The doesnt sounds like Franklin First Financial to me. I refinanced with them 2 months ago and the process was handled with the utmost professionalism. Everything was disclosed upfront and that is exactly what I saw at the closing. I think Franklin First Financial is a great bank, they certainly took good care of me.

Report them to The United States Better Business Bureau & if that doesnt help then I would call all news stations & get them to view your case on air bc no loan company / business wants any type of bad publicity nor anyone airing out their " Dirty-Laundry " on live tv news all over the world ! Lmaoooooooooooooo go for it bc if you dont stand up for yourself ...no-one else sure as heck will ...I promise you this !
Sincerely your friend
& an customer that was done wrong also

First Franklin lied and said we were 6 months behind in our mortgage we had proof we made the payments every month and hired a lawyer they said we had a good case a year and a half later we have no resolution and our lawyer is demanding more money we were within 30 days of a modification and because I qualified for a modification they just sold my loan to BOA so we are supposed to pay more money for what!

The lawsuit is under firstfranklinclaims.com. Check it out.

I lost my home years ago too. It was my first home and I did not know what to do when you were buying a house. I had 2 loans with them. I think I am in a lawsuit with them right now and hope to get a good settlement from them, cause they damaged my credit now. I can't even buy a skateboard thanks to first franklin. Please email me to help me out with this at riverasfireprotection@yahoo.com.

Everybody is right here Lets get a class action lawsuit aganst First Franklin/Home Loan Services please Email me at n.kruzik@rcn.com

Does anyone know anything about the lawsuit agaisnt first franklin for giving minorities higher interest rates? I know they settled but I was just wanting to know more about it. I got a notice saying that under the lawsuit settlement there are modification rights for homeowners who got loans through first franklin.

i have this bank since i bought the house, and its been the worse experience ever, they keep putting my house in foreclosure so i have spend a lot of money on attorneys trying to stop that, because like all families i also want to keep mine and they are giving me no hope nor wnat to negotiate with me either.

yeah, i think every body here is right, is the worse compay i ever seen, i've been trying to negotiate with them for over a year and its worthless, this people are so inconsiderate and helpless, incompetent and care less about peoples families. any lawsuit against them, i got proff too, anybody let me know,

lets do it

you can said that again

If it was me They would have put me under the jail

you can say that again Iose my home because of those nuts my attituds towards them hangem high and long

I was told that First Frankin purchased my loan. They raised my interest rate. I fell on hard times. The mortgage co. refused to work with me. This is inspite of all the bail programs and after all the modification programs, this company refused to refinance my home. I currently owe $20, 000 more that what the home is worth. I have tried my hardest to work with them and they absolutely refuse to work with me. Also I have tried to work with these people. I am a single father with two children and they are not willing to help. I have worked for the past 16 years since graduating from college.

CALLING ALL FIRST FRANKLIN CUSTOMERS
Hello and God bless you all:

As you read this letter we hope that you still have a home for your family.

Like many of you our homes are in foreclosure due to the actions and non actions of First Franklin (FF).

We know there are many persons out there trying to abuse the system and get a free ride, yet many of us, if not all of us, are in this situation not because we wanted to be in this situation, but because life went on. Some of us found ourselves in default as a result of loosing our income, having medical issues, the raise in the cost of living but not in our salaries, family emergencies or just live itself. Whatever your case, we did not asked to be in it.

Some of us purchase our home and gave up most of our life savings to get it, not because of greed or luxury, but because we needed a home to call our own; for our families and specially for our children.

Yet in our time of need the people that were supposed to help us and work with us not only turned their backs on us, but they did everything in their power to take away our home and turn many of our families into battle grounds full of tears, anxiety an uncertainty. “Yes, send us your paperwork we’ll look at it” we were told. Do not worry, we were being “helped” and told to hold on while we complete our review.

And we believed. Only to have our hopes shattered in a court of law or with realtors offering cash for keys, or with people just knocking on our home doors with a notice that basically read “get out in x number of days”. While this was going on, and just to add insult to injury, many of us were in dismay after learning that we did not qualified for a modification for one of the many reasons, we could not do a short sale just because, etc.

End of the dream, end of the hope, end of our homes.

Why? A question that have crossed the minds of many of us, who knows how many times and that was the first of worse questions to cross our minds and hearts as the reality of seeing our children cry because they have to move settled in. Then more questions flooded our minds. What do I do now that I’m on the street? Where do I live? A

Many of us have been put in a situation where we have nothing to loose as even our dignity was taken away with a phone call to FF. A phone call where we were asked the same questions only to be told we can not help you. Or the day we receive the court documents like we are some sort of criminals. Or the date we were made go into a court or that they put a sign in front of our houses. Or the day we received a call at work from a FF person demanding to know where the money was. Or maybe it was the day that we were offered the false hope of a so called “payment plan”. All this while, as stated by an alleged FF ex employee, they were really making money our of taking our homes away from us while giving us no real chance of solving our situations and putting us in a no win situation.

Being that we have nothing to loose is why we are writing this message. You see, we have nothing to loose but much to gain. Divided most of us have encountered the same word: foreclosure. But what if we unite and give it a good shot. At least one good one. We are not saying yeah things will happen. We can not promise that each one of us will get a solution that will be of benefit. That is beyond us. What we are saying is: let make some noise and let our voices and stories be heard. It is time that people know what is really going on with the “so called” helping hand that FF is giving us people that are not asking for a free pass, but for chance to have a roof over our heads with dignity. To pay something that will be fair, but that will also allow us to put food on the table.

What we are doing, at least three of us, is this:

1. We will draft a letter to the White House (our President) and to CNN that will explain in general our situation. This letter will also ask for help in dealing with FF.

2. We will include our stories with that letter. Now here’s where you have a choice. You can join this effort by emailing your story with FF. What is your situation? What happened when you contacted FF? What did they do or didn’t do? How they treat you? Broken promises? How they proceeded with the foreclosure? How did it affect your family life?

PLEASE BE SPECIFIC AS TO YOUR SITUATION. PROVIDE DETAILS LIKE DATES THAT YOU CALLED FF, NAMES OF THE PERSONS YOU SPOKE, FAXES AND LETTERS YOU SEND TO THEM ETC. DO NOT STATE ASSUMPTIONS OF THINGS THAT YOU THINK MIGHT BE HAPPENING. STICK TO THE FACTS AND WHAT YOU CAN PROVE.

3. People, we are writing to our President. You may agree or disagree with him. You may have voted or not voted for him. But the truth of the matter is that he is our President. THUS, PLEASE KEEP YOUR LETTERS FREE OF ANY FOUL LANGUAGE AND WRITE PROPERLY. Remember; we want to present ourselves like what we are honest, hard working people with values and dignity. Let us not go down to the level of FF.

4. Please include your name and the ages of your family members. Also, please provide a contact information for you so that you can be kept posted on what is going on with this. This could be your email address, mailing address, or phone number.

5. DO NOT, repeat DO NOT INCLUDE YOUR LOAN NUMBER, SOCIAL SECURITY NUMBER OR ANY SENSITIVE INFORMATION. Again, we only need to contact you in case we receive a response so that you know what happened with our inquiry.

6. Remember we are not saying things will happen. We are just trying to do a coordinated effort to help our cause. The reasoning behind this is simple, many of us have contacted the government agencies only to run into dead ends. But many of us, I hope we are not ignored. United we stand, divided we fall.

7. Pray so that we can get what we need: Help, peace and the dignity of a home for our selves and our families.

8. Remember, we are not attorneys, rich people, politicians, or anything like that. We are regular people like you. So whatever happens, please don’t come back at us with some stupid lawsuit if things don’t go your way etc.
If interested, you can email your story to the following email address: hope4ourfamilies@yahoo.com

We will be submitting our letter along with our stories to both the President and CNN on Friday April10, 2017.

I can understand your issue because this happened to me with a western union quick collect. I sent a western union with a 1124.00 payment to begin a payment plan to stop forclosure. we have two loans with First Franklin/Homeloan services. 80/20 mortgage. the money to start the plan was put on the loan that wasn't in foreclosure. I spoke with Ms Crawley who is Handling our acct and she assured me that she would have the funds transferred to the right account. the payment was sent on Feb 27th today is march 19 and still no changes. I signed up With NACA to get help. If you haven't done so check out HOPENOW.com or Naca.com to see if a counselor can help you. Remember couseling should never cost you anything so if anyone ask for money watch out. Please don't wait on First Franklin to help you because the time waiting means an Auction Date. Help is available. I will post an update regarding my FF issues as the results are made available.

We can help with the foreclosure. Don't let them take your home. Contact me and I will give you the details. mw81307@gmail.com

I got a loan with First Franklin Financial Corporation. I never failed a payment. Rate was 8.1 adjustable after 2 years. I signed for the loan in april 2007. I fell behind in my taxes because my bills and gas prices were high. I went to the county tax services and talked to the staff person and she said that I had time because the would not take action after three years. I was going to pay with my tax return but before I knew First Franklin had paid them. I paid $23, 000.00 down payment on 4/2007 and never fell behind with the loan payments. They raised the payments from $1545.53 to $2, 250.00 because they added interest and new escrow that I never signed for.
The last payment I made was on february 2008 and they send me the foreclosure notice in march because they did not apply any of my payments to the loan. Any ideas?
They foreclose my primary home and I lost $70, 000.00 total.

They would not negotiate with me and their reps were very rude.

I got a loan from First Franklin Feb '06. I eventually fell behind because of hours being reduced and then I was finally let go last Jan. In February, I finally got with the loan modification dept. I was told it would take around 45 to get back with me on if I got approved or not. In the meantime, I was told not to pay any of my other bills so that I could save up enough to get back into their good graces.
In August I was told to pay $850 for 3 months. Mind you I am still not approved at this time and I have not paid any other creditors per instructed.
Finally I get the go ahead in December, 11 months later.
Mine too was a reduction in the intrest rate by 2 points, but by the time they tacked on the lawyers bill and whatever charges they could come up with, my payment was the same if not higher.
Adding insult to injury, I was not approved for a fixed term, rather another ARM which would adjust in another 3 years.
I am now filing chapter 13 and my sheriff's sale is scheduled for April 15th. When I called them 2 weeks ago to see if I could get another modification, they said sorry, we only do that once every 12 months or so. I could take it or leave it.
Last week I got a notice telling me that I have over $3000 in overpaid escrow but I can't have it because I have fallen behind. My lawyer is working on this as we speak although he didn't sound too hopeful.
Now, I have to find homes for two of my three dogs because most places won't take that many dogs.
My life is ruined because of their lack of compassion and flexibility. Not only will I have to move, but my family gets split up forever.
If anybody wants to do a class action lawsuit against them, let me know! Oh, yeah, they are now doing business as Duetche Bank. Run, run far away.
A_Stoops@att.net

Do not I repeat do not get a lawyer the do nothing for you other than take your money. I hired an attorney and after a year and a half they have done nothing other than ask for more money please don't get help you just get used by the lawyer.

We have been with First Franklin for several years. Recently my husband has had 7 seizures and was diagnosed with epilopsy. He owned his own business and had to walk away beacause he was not aloud to drive for six months. We got behind two months on our mortgage. I set up a payment plan that i have kept faithfuly. They now paid my taxes for a full year in advance. Put us 4000 dollars negative in our escrow and raised my payments from 900 to 1500 a month i applied for a modification 12/01/08. They still have done nothing and now are threatining us with foreclosure. M Fickert Akron, Ohio

This company does not work with the customers. There is no one to give definite information. The people answering the phones just give you the run around process which never comes to fruition. They have brochures stating they can help, but its nothing but false statements.

We did get an Attorney and they did nothing for us we were 30 days out for a resolution on a modification and they sold our loan to BOA now our attorney is asking for more money saying our contract has expired, there was never any communication from our attorney I emailed them constantly and the turnover was crazy after almost a year and a half of doing nothing for us do not waste your money on an attorney the outcome is the same!

They opened and escrow account without my permission. I paid what they told me I owed. Then they told me I owed more. I paid what the told me. Then they told me I owed more. I talked to maybe 10 different people they all gave me different answers.

I have had an account with first franklin for over 20 years off and on and they have always been good to me.

i refinanced with first franklin loan service in 2006 with a payout of 69, 875.00 and my loan amount went too 77.500.00. know i find out it was a loan called predatory lending. these people are no good. they forclosing on my house now.

I have a first and second loan through this company. I was somewhat ok with the unreasonable terms in thoughts I could make the payments for 2 years and then re-fianace. In depth look in to my loans when no one would touch me showed their ugly terms. My company laid off 80% of it's workforce and myself and my fiance was laid-off for three months and I approched them 6 months prior explaining things seem to be taking a down turn. All this year they have been reluctant to help me, they are now forcing me out of my home. I SOLD EVERYTHING OF VALUE AND SENT THEM A $2500 MAKE-UP CHECK THAT THEY REFUSED AND SENT THE CHECK BACK TO ME! i FEEL THEY KNOWINGLY UNDERSTAND THEY ARE GOING DOWN AND THEY ARE GOING TO TAKE US ALL DOWN WITH THEM!

I have a second on our home with First Franklin-10%, 101, 265.00...yeah that's my second. We have been making payments to them for over two years now, and have in the last 6 months been on again off again with keeping up. I can confirm that we do indeed get calls, but when we pick up there is a long pause-and then nothing. We sat down with a "counselor" and after, no-kidding, an hour and a half we thought that we were getting somewhere. By the end the best solution was to tack on missed payments at the end and then raise our monthly payments for three months, RAISE our payments. I don't care if I don't have to pay for one month, if I had difficulties before, where do you think this extra money is going to come from? I will not work with FF, but am wary of all the Loan Mitigation companies that are now calling because of an online form I filled out. Often they say they are part of the BBB, but when you look them up it says NR (no rating) which could mean a number of things. I know there's help out there, but who can I trust...HUD? Try getting through to a CHWORKS person and let me know how that goes. I have only been trying for three weeks, but with no walk ins and an automated message line it limits your options. I will save my house somehow.

I submitted a loan modification to FF in hopes of getting some type of "realistic" help, since my husband lost his job. It took them 5 months to process our request and during the process they begin the foreclosure process on our home because we had gotten three months behind on our payments. When they finally called and inform us that we were approved (one week before our sale date) our new monthly payment was $300.00 more than our original monthly payment. I contacted a real estate agent in hopes of doing a short sale. We recieved 6 offers and FF would not accept it and told us that they will continue with the auction sale. This entire process was just wrong. I think the FF truly does not care about their customers. They were not at anytime willing to work with us. We didn't ask for much--just a lower montly payment until we could get on our feet.

I too have tried to keep my home to no avail, I did all they wanted me to do and still I was served with the foreclosure paperwork. I faxed them all of the identicial paper work that I gave them at closing only to find out they are using that paperwork in the suit against me. (There is now a prompt at the number that states all information obtained will be used to get all monies due.) I was told they needed it for the Re-fi of my home and that they were trying to work with me. Well that has been 3 months ago and now I'm loosing my home.
For everytime they have called me and I've answered, they are truely the rudest people I have ever had to deal with and I deal with the public all day long. Yes I owe the money I understand that but with all that is going on (not just with me) you would think they would want to help me keep my home instead of adding it to the stock pile of properties they have aquired. All of my payments were up to date never late till this all happened and I stopped making them when the first rate hike happened because it wasnt what I was told it was going to be when I bought the house.
Yes Franklin gave me my dream... but they sure have turned this into a nightmare ! Browwers Beware...stay away from this Company they have no work ethic, or customer service skills.

I agree with all of you! They use to harrass my husband and I- even on holidays, and I promise you. One day, they called us at least 7 times back to back until I picked up the phone, and said just this: "b)#), you've called us at least 7 times and if you call our got d(#( numbers again, I will be on the first plane smoking" I believe I left her speechless! Then, I did a follow up to the company with a letter and informed them, that I don't give a da&# if they foreclose because if it wasn't for my husband, I would have contacted the folks at youwalkaway.com and left their a)#) with the note. That was four months ago, and we've not heard from them. I don't have time for these types of games. Yes, we all have other things that come up especially when you have children and unforeseeable things that could get you behind in your mortagage notes, but, for them to just call you, I mean, they called us on the 4th of July and I was heated. They have that soprano type mentality but, so do I and refuse to be a victim and allow you continue calling my house. Even if you are on time with your payments they call and harass you! I was just fed up! Whether we get back on track -at this point, i could really care less. Yes, like you, I don't want to lose our home, but, at the same time I would rather have a piece of mind, then to be continually harrassed by First Franklin wonderful customer service agents who takes pride in breaking you down. And the sad part, you can speak to a rep one day and tell them what's going on, and i'll be damned if another one doesn't call you the next day asking you the same thing.

They are relentless! Horrible organization... I have filed numerous complaints with the AG for harassment and I am current with my mortgage! Late but current. They're calling the parents of my boyfriend because I don't always answer their calls. They'll start calling the day after my mortgage is due. I take their calls to let them know that I've paid but they continue to harass me and skip trace immediately. Its horrible and humiliating.

yeah i have an idea... since they are dealing with over 500, 000 people in this situation, hang in there every bank is backed up its a terrible market right now...

I lost my job and am trying to make some type of arrangements with First Franklin. They are the most rude people I hav ever dealt with concerning this type of thing. They have no desire to help you or make arrangements for smaller payments or a loan forebearance to help you stay in your home. They could care less. If anyone has any ideas, please respond.