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I haven't.

The person might be confusing the game being racist against Franklin to random civilians on the street who will attack any character who bumps into them. It's common that you'll see a group of civilian characters standing close to each other and all of them will attack you if you bump into any of them. Getting into a fist fight with them and winning, you'll have a one star on you regardless which of the three characters you're using.

On any GTA, it doesn't matter whether you have a one star or a five star. The cops are still going to either kill you or arrest you. I'd rather be killed than arrested since you lose all your weapons on other GTA games when being arrested. I haven't been arrested on GTA5.  It's easier on GTA5 to get away from cops though than any other game in the series.