Franklin Collection Services keeps calling you, blurring the line with lawful debt collection. According to BBB records, the agency faces numerous complaints about aggressive tactics. Federal law limits how FCS can pursue you, no matter what you owe.
Key Takeaways
- Franklin Collection Services, also known as Franklin Collection Agency, has operated from Tupelo, Mississippi, since 1980.
- Federal courts have found FDCPA violations against FCS, and Massachusetts issued a 2015 consent order over compliance failures.
- Consumers most often report excessive daily calls and pressure to pay debts already resolved, according to complaints reviewed by our firm.
- The FDCPA limits call frequency, false statements, and third-party contact for any licensed collector, including FCS.
- You may be entitled to up to $1,000 in FDCPA statutory damages, or $500 to $1,500 under the TCPA for illegal robocalls.
- The Wood Firm PLLC reviews FCS cases on contingency, with no upfront cost to you.
Free Case Review: +1-844-638-1122
Who Is Franklin Collection Services?
Franklin Collection Services is a third-party debt collector based in Tupelo, Mississippi. The agency has operated since 1980 and also goes by Franklin Collection Agency. It collects unpaid accounts for creditors across healthcare, retail, and other industries.
The Better Business Bureau lists numerous complaints against FCS, including allegations of improper tactics. Readers dealing with a similar agency may find our coverage of Credit Bureau Collection Services harassment helpful.
In our practice, we pull each client’s full FCS call history before opening a file. Recurring calls after a stop request often reveal a documented pattern. That pattern can support a standalone FDCPA claim.
- Also Known As: Franklin Collection Agency, Franklin Service, Inc.
- Address: 2978 W Jackson St, Tupelo, MS 38801
- Phone: 662-844-7776 | (662) 844-7776 | +1 662-844-7776 | 6628447776
- Also Reaches: 662-690-2284, 844-717-5701, 866-487-6482
- BBB Status: Numerous consumer complaints on file
What Phone Numbers Does Franklin Collection Services Use to Call You?
Franklin Collection Services uses several phone numbers to call you. Common lines include 662-844-7776, 662-690-2284, 844-717-5701, and 866-487-6482. Consumers also report calls from 855-328-0808 in recent months.
If you receive calls from any of these numbers, it is likely a legitimate collection attempt. Save the date, time, and content of every call for your records.
Why Is Franklin Collection Services Calling You?
Franklin Collection Services is calling you because a creditor assigned or sold your account for collection. This often happens months after a bill goes unpaid at a hospital, retailer, or lender. A call from FCS does not confirm the debt is accurate or still owed.
What Counts as Franklin Collection Services Phone Harassment?
Franklin Collection Services phone harassment includes calls that feel threatening, excessive, or misleading. Consumers have alleged each of these tactics in complaints reviewed by our firm. Courts have found seven to ten calls in a single day potentially excessive.
- Excessive Call Frequency: Repeated calls after you ask them to stop may each count as a violation.
- Threats and Intimidation: Threatening arrest or other consequences FCS cannot legally pursue is prohibited.
- Misleading Information: Claiming you owe a debt that is not yours or already paid may violate the FDCPA.
- Failure to Validate: Continued contact without proof of the debt, after you request it, can be harassment.
What Legal Protections Cover You Against Franklin Collection Services?
Legal protections under the FDCPA cover you against abusive tactics from Franklin Collection Services. These protections apply whether or not you actually owe the underlying debt.
- Right to Verification: You can request proof of the debt before paying anything.
- No Threats of Violence: Collectors cannot threaten harm or actions they do not intend to take.
- No Excessive Contact: FCS cannot call repeatedly or before 8 a.m. and after 9 p.m.
- No False Statements: Collectors cannot lie about the balance, legal status, or consequences of a debt, tactics we also cover in our review of Account Services phone harassment.
If FCS has harassed you, you may recover several types of damages. Actual damages cover lost wages, emotional distress, and credit harm. Statutory damages of up to $1,000 apply even without proven financial loss, and the collector pays your attorney fees if you win, protections we outline further in our American Collection Services harassment guide.
Has Franklin Collection Services Been Sued?
Yes. Franklin Collection Services has faced multiple federal FDCPA lawsuits.
- Bradley v. Franklin Collection Service, Inc., No. 13-12276 (11th Cir. 2014): the court found FCS violated the FDCPA by adding an unauthorized one-third collection fee to medical debts.
- Leahey v. Franklin Collection Service, Inc., No. 2:09-cv-00709-AKK (N.D. Ala. 2010): alleged FCS left a voicemail overheard by a third party, violating FDCPA privacy rules.
In our practice, we request the full account ledger on every FCS file we open. Unauthorized fees added on top of the original balance often violate the FDCPA outright. That single line item can be enough to support a claim.
Is Franklin Collection Services a Scam or Legitimate?
Franklin Collection Services is a real, licensed debt collector, but licensed does not mean every tactic is legal. The agency has operated since 1980 and works with creditors nationwide. Federal lawsuits and a state consent order raise real concerns about specific practices.
Is Franklin Collection Services Banned by the FTC?
No. Franklin Collection Services has not been banned by the FTC. Massachusetts did issue a 2015 consent order over compliance failures. You can still report FCS to the FTC or your state attorney general.
In our practice, we file CFPB complaints whenever a client’s dispute goes unanswered. State actions like the Massachusetts consent order often signal a broader pattern. That pattern can strengthen an individual FDCPA claim.
How Do You Stop Franklin Collection Services Harassment?
You can stop Franklin Collection Services harassment by demanding proof in writing. Some consumers report FCS threatening bank account levies or lawsuits that never materialize, tactics similar to those alleged against Recovery Solutions Group.
- Request Debt Validation: FCS must provide written proof within five days of first contact.
- Send a Cease-and-Desist Letter: This stops most calls except to confirm account status or legal action.
- File a Complaint: Report continued harassment to the CFPB or your state attorney general.
- Contact a Lawyer: A consumer attorney can evaluate your case, much as we do for readers facing BCA Financial Services harassment.
How Do You Remove Franklin Collection Services From Your Credit Report?
You can remove an inaccurate FCS entry from your credit report through a dispute. Send documentation to Equifax, Experian, and TransUnion showing the error. Never pay before you receive written validation of the debt.
In our practice, we request a full payment history before any client settles with FCS. Old accounts sometimes carry errors from a previous owner or reporting mistake. Catching that error can resolve the debt without a payment.
- Negotiate Pay-for-Delete: Get any deletion agreement in writing before you pay.
- Challenge Expired Debt: Learn how many years judgments take to go away in your state.
- Dispute Inaccurate Reporting: See what collectors can report to credit bureaus before you file a dispute.
How The Wood Firm PLLC Helps Stop Franklin Collection Services Harassment
The Wood Firm PLLC examines FCS’s fee calculations, call logs, and voicemail scripts for FDCPA violations. We check whether any collection fee exceeds what your original agreement allowed. We also review whether a voicemail exposed your debt to anyone else in your home.
We work every FCS case on contingency, backed by our nationwide network of Of Counsel attorneys. If FCS used illegal tactics, you may recover up to $1,000 in statutory damages plus attorney fees. Call The Wood Firm PLLC at +1-844-638-1122 for a free consultation.
Readers facing other collectors may also find our coverage of Berman Rabin debt collection harassment useful.
Persistent calls from Franklin Collection Services deserve a direct response. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency, if they violated federal law, they pay our fees.
Frequently Asked Questions About Franklin Collection Services
These frequently asked questions address the most common concerns consumers raise about FCS.
What Is Franklin Collection Services?
Franklin Collection Services is a debt collection agency that contacts consumers to recover unpaid accounts. It has collected debts on behalf of creditors since 1980. The agency handles healthcare, retail, and other account types.
Is Franklin Collection Services Legit or Fake?
Franklin Collection Services is a legitimate debt collection company, not a fake operation. It must still follow laws like the FDCPA when contacting you. Legitimacy does not excuse illegal harassment.
Why Is Franklin Collection Services Calling Me?
FCS is likely calling about an unpaid account assigned by a creditor. Always ask for written debt validation within 30 days before paying anything. The call alone does not confirm you owe the debt.
Can Franklin Collection Services Harass Me?
No. Threats, profanity, or repeated calls after a stop request are illegal under the FDCPA. You have the right to take legal action if harassment occurs. Documentation of each call strengthens any claim.
How Do I Stop Harassing Calls From Franklin Collection Services?
Send a written cease-and-desist letter by certified mail to stop most contact. You can also file complaints with the CFPB or your state attorney general. A consumer protection attorney can help if the calls continue.
Can I Sue Franklin Collection Services for Harassment?
Yes, if FCS violates your FDCPA rights through illegal tactics. You may recover up to $1,000 in statutory damages plus actual damages. The collector also pays your attorney fees if you win, a pattern we also see in Berman Rabin cases.
How Do I Remove Franklin Collection Services From My Credit Report?
You can dispute inaccurate debts directly with the credit bureaus. A pay-for-delete agreement, if you get it in writing, can also work. Legal assistance can help challenge reporting that will not budge.
What Should You Do Next About Franklin Collection Services Calls?
Your next step against Franklin Collection Services starts with a written validation request. Save every call log, voicemail, and letter you receive. That record becomes evidence if the pattern continues.
The Wood Firm PLLC reviews these details on contingency, so a consultation costs you nothing upfront. Call +1-844-638-1122 and see how we work for you to stop the harassment.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
