Bank Of Franklin County — Consumer Response Profile

How this company responds to consumer inquiries (CFPB data) • Period: 2023-present • Last verified: 2026-03-30

Resolution Rate
99.3%

Consumer inquiries resolved successfully

Timely Response
97.4%

Responded within 15-day window

Total Interactions
268

Consumer interactions on record

Services Used by Consumers

Mortgage 85.1%
Debt collection 11.9%
Credit reporting, credit repair services, or other personal consumer reports 1.9%
Credit reporting 0.7%
Payday loan, title loan, or personal loan 0.4%

Consumer Feedback Categories

Loan modification,collection,foreclosure 27.2%
Struggling to pay mortgage 25.7%
Trouble during payment process 11.6%
Loan servicing, payments, escrow account 10.8%
Settlement process and costs 3.7%

Response Breakdown

Closed with explanation 265 (98.9%)
Untimely response 2 (0.7%)
In progress 1 (0.4%)

Understanding This Data

The Consumer Financial Protection Bureau (CFPB) tracks how financial companies respond to consumer inquiries. This profile shows Bank Of Franklin County's responsiveness and resolution track record.

  • Resolution Rate — How often the company resolves consumer inquiries with a satisfactory outcome (monetary or non-monetary relief).
  • Timely Response Rate — How consistently the company responds within the required 15-day window — a sign of operational responsiveness.
  • Services Used — Which product categories consumers interact with most frequently.
  • Feedback Categories — The types of inquiries consumers submit most often.

Higher resolution and timely response rates indicate strong consumer service operations. Volume of interactions is not a quality indicator — larger, more established companies naturally handle more consumer inquiries.

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