FREEDOM FINANCIAL NETWORK CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/20/2019 No
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • NY
  • 11370
Web
Hello. I had been with the Freedom Death Relieve company since XXXX of XXXX. I had a hardship in my life that time after the divorce and had depth in the credit cards of amount about {$11000.00}. At the end of XXXX, I believe, of XXXX I received the call from the Fredon Death Relieve company representative, who start asking me about my depth and how I am doing with it and if I need help? After almost 2 hours of the conversation that day I gave an answer to what I will need more information, so he should call me back. He did call me back the next day and this was continuing about a week in total. I had no money to pay my next bill to the bank, so I had asked him carefully all the questions with the information I had for that time about their company and agreed to try the program. We settled the monthly payment to their program in a month of $ XXXX monthly payments and, as I had informed today ower the phone by the other customer service representative, what they have started my program on XXXX XXXX of XXXX, when I had informed him earlier, what I will not have money for the first payment earlier than XXXX. Somehow by the system, or they didn't charge me, or payment didn't go true, I don't remember now, my first payment had to be preseed in XXXX of XXXX, actually two payments. Because I was not expecting the two payments in one month, I was surprised and had a withdrawal of {$200.00} back, which I had paid later on. On Friday, XX/XX/XXXX of XXXX my bank account, which was connected as a payment method to this company, had being frauded by the wrong check from oversees and my bank account went in $ XXXX. I contacted the bank and informed them about fraud and all the needed actions had been made by the bank and me to protect my account from future withdrawal and fraud. The FDR program had forced my account twice while all this was happening and had forced to the charge of my account even after it had been revoked and closed. I went to the bank and did a dispute of all transactions after the fraud check to bring my balance to the XXXX and to be able to close it and open a new one. After that, I realized, what it is actually a long time past after when I have enrolled in this program and what I suppose to be finis with my payments to them by now, or at least should be close to that. Today I finally found a time to go online to their web site and visit my page to find out, what is going on with my program and how much I still have to pay before they will close all the bank accounts and finally resolve my problem. What I found out today, firs put me in shock then made me stressed, mad and devastated. Unfortunately, all the information, that the representative had been provided while he was so badly wanted me to enroll in their program, it was a falsification of information, what considers as a fraud, as much, as I know. when he was explaining me, how the program works, he was assuring me, what with the debt of about {$11000.00} and with the payments of {$250.00} every month, including their fees of 25 % from the whole amount of {$11000.00} I will be finishing this program in about 3 years and will be debt-free and able to build my new credit history, because by time I will be in their program, I will be considered in death and my credit score won't be growing by time I am not closing all depth with 3 banks, which I had for that time. When I went online to my page today, I found out what I had already paid about {$8100.00} and I still have to pay another {$7000.00} and something, and I can not give you the exact number because I am not able to see this information on my page, what was also falsification of information, because how I was informed by the representative in XXXX before I inrolled in to the program, he told me what I will be able to see all the information about settlements, about payments and about their future actions and what I can change it or stop it any time by my self from my platform, because it is still my money before they are going to the bank and they are just staying on their platform for safe them for the future settlements. Today, when I was very limited about any information from my page, I had asked the representative, why is that. He answered, what is how to program working and I am not allowed to see this information. If I want to know it, I have to contact them to provide me this information. I was very confused and disappointed by their actions and conversation, and more questions I was asking about my account and each month and the transaction, more he was getting frustrated, which make me feel even more nervous. Each time he could not explain the actions that have been made by his company, he would point me to the agreement terms and was pointing what all this situation was from beginning my fault and they actually help me. That was, even more, the worst experience and information for me. For the first several months they were charging me monthly fees of {$720.00} plus settlement fees.So, from XXXX to XXXX of XXXX it was the monthly fees and my payments. Then in XXXX of XXXX from nowhere, they start charging me a {$3.00} dollars fees every month for Phone payment, which I have never heard about before and never agreed or gave my promotion for any fees, like that. When I have asked a representative, what is the payment four, he just answered, what is for the phone bill and if they charging me that means is legal, what I was not agreed with at all. Wen I have told him, what they have to wave all these fees, he starts laughing and asked me if this is something else he can do for me. This is was so frustrating, how he started acting. Also, every other time when he had no answer, he was putting me on a brief hold, I don't remember how many times in our two hours of conversation. Then, when we start moving forward with my account, I found out what they were using my payments absolutely in different ways, how they had explained to me earlier before I have signed for the program. After the first settlement, they were taking all my monthly payments to pay their fees first for each settlement in the amount of 25 % from the full amount of each debt to the bank, before they were starting paying off the debt to the bank itself. They were making a settlements with the banks of smaller amount of payback, but at the same time they were making the settlements with the banks starting with the smallest payments, like {$5.00} or {$10.00} dollars per month for 7-8 month, so they can cover their fees first in full amount from my payments from the settlement, then was just starting paying to the bank rest of the depth, which was delaying me to live this program for about 7-8 month for each settlement. Because of that I will pay 3 years more of monthly fees of {$720.00} plus Phone fees ( again came from nowhere ) of {$3.00}, and instead of leaving their program in spring of XXXX, how I have been promised, it has been delayed to summer or fall of XXXX, which made me felt in shock again. And of course 3 years of {$1000.00} does not give you that much profit from the one person, but what about if is millions of them??? when I was trying to explain to him, why I was so frustrated and disappointed, he was always mentioning, what is not in their interest to keep me in the program, what also a big lye. in conversation with the representative in XXXX before I had inrolled in to the program, he had told me about 25 % of the fees for the settlement, but he explained, what to pay my debt faster, they will take from every monthly payment the & XXXX monthly fees and 25 % from left amount before they will make a payment to the bank each and every month, before my all dept will be closed. In this case, it would be possible to finish it in 3 years, but they are frauded me and my trust by providing falsification of information to me. And I am absolutely sure, what I am not only one, who had being frauded by this company in this ridiculous and insane way, how they did it. When the representative could not answer my questions anymore, he had transferred me to a different department. When the other agent picks up the phone ( female ), we started from the beginning. I had to explain to her from the beginning all the situation and my concerns and asked her questions, why they have been doing payments for the banks in the amount of $ XXXX {$10.00}, and was charging all their fees at the front and was dealing my date to leave the program. For what she started providing the falsification of the information again, trying to lye to me, what banks actually decided themselves go from smaller payment to the higher, that's why the program was doing this moves in an exact manner, which was absolutely not true, and they as my representatives, actually putting the banks to the terms of the payments and they were covering their actions by the credit-control program and what is not their fault. How it is not if you are controlling all the actions from the beginning of every settlement and your company the one, who is choosing what actions they will take in this matter. And of course, it is absolutely understandable, why they are taking this actions, so, no matter what they will charge their fees first and then they will start paying all your debts, and it does not matter for them, how long you will go true hardship because of this reason and what you will not be able to fix your credit score for another several year! And of course, they will be able to charge you more every single fee for another 3-4 years. All this company and the system built from the beginning, as a fraud, because first they promise you, what they are here for you and to help you, when they are still destroying your life by your own money you are paying for them and when you are realizing the whole true, they becoming very rood and unprofessional and kicking your out from the program! This is the another reason, why they are providing the all false information to you at first and charging you all the fees at front, because they know what clients ( not all of them, unfortunately ) finding out about the fraud and trying to leave the program, but they even more screwed after all because of Freedom Depth Relief Program! After, when it was going deeper and more frustrating, they wanted me to do my payment today, for what I had answered, what I am not ready after everything that I find out today and I would like to spik to the lawyer first and have my legal consultation before I will make any future moves with them and their program, for what she started acting very rood and have told me what he vill determine me from the program immediately and my fees, paid to them for last two settlements will be never returned and my settlements will be voided and come back to the same amount where it was before and I will have to start paying them from the beginning. It was the worst customer care experience and worst fraud, which had happened to me because the companies like that still exist and they have been actually legalized fraud in this country! It has to stop! P.S. After the firs representative put me on brief hold again, I had turned on the recording and had recorded about the last 49 min of our conversation with him first, then with the other representative. By the end of the conversation, I had informed her, what our call has been recorded by me. Also, I had requested a copy of our contract and I had no response yet, that is why I can not provide you with this information! Because I had tried several times to attach all the proofs but it does not let me submit the application, I have to attach just several files of the proofs.
03/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • TN
  • 38119
Web
Overview : Over the course of my nearly 4-year program, I have made every single scheduled payment to FDR on-time and in-full. Nevertheless, FDR has : ( 1 ) neglected to make payments on my enrolled debts ; ( 2 ) has charged me for debts that it in fact never settled ; and, ( 3 ) charged me settlement fees on debts that I paid-off without their assistance. In addition, FDR : ( 4 ) used an ambiguous contract to mislead me about its fees, ( 5 ) pressured me to increase the initial amount of debt that I enrolled in their program ; ( 6 ) gave me financial advice as though acting as my fiduciary, when in fact working against my best interests ; ( 7 ) pressured me to continue to make full payments throughout the program and misled me as to the consequences of changing my payments. As I earnestly worked to understand and resolve my account issues, FDR : ( 8 ) obstructed access to my account information ; ( 9 ) provided inaccurate and conflicting information ; and, ( 10 ) thwarted my attempts to pay in-full and ( thereby complete ) my program. I feel that FDR has acted entirely in bad faith. It has pressured, intimidated, and misled me throughout the 4-years of my program. I have over-paid. I have also been prevented from making final payments and as a result my program is dragging on and on. I have been treated unconscionably by FDR. As a result, I feel that a fair resolution would include FDR refunding me all of the fees that I was charged. ( Please see the conclusion of this letter for a full explanation of my proposed resolution. ) What happened : Misled During Initial Enrollment On XX/XX/XXXX, I hired FDR to help me address my debt situation. Upon my initial enrollment, I was seeking help for certain debts only. However, I was encouragedthen pressuredto submit ALL my debts and bills in order to be approved for the program. Including more bills and more debt was presented as advantageous to me. When I expressed concern about including more debt than I had originally sought help for, the FDR representative reassured me that this was a sound debt relief strategy. When I continued to hesitate, the representative continued to pressure me and stated that I could remove these additional debts as needed in the future. Thus, I was persuaded ( at a time extreme emotional stress ) to act against my own financial self-interests to include all my debts, including medical debts, in the FDR program. As mentioned above, at the time I was under a tremendous amount of financial stress and feeling considerable fear. In retrospect, I feel that FDR took advantage of my situation and behaved in a predatory manner. I was pressured to act quickly. In actuality, I was misled and misinformed regarding FDRs policies and how/when settlements would be made on my behalf. Debt Relief Program Paid as Agreed/ FDRs Misinformation and Continued Pressure My original enrolled debt was {$48000.00}. FDR customized my payment program and I began making monthly payments of {$800.00} to FDR on XX/XX/XXXX. For the past 43 months I have not missed a single payment and FDR has received a total of {$34000.00} from me. Despite my steady progress and declining balance, I was consistently pressured by FDR representatives to continue my {$800.00} monthly payments. Without exception, every time I spoke to FDR representatives by phone, I was told that altering my payments could negatively affect my settlements and prolong graduating FDRs program. FDR Obstructs Completion of Program Naturally, I had begun anticipating the end of my program, because in addition to making the monthly payments to FDR I had ALSO cleared some of my original debt on my own. However, as I approach the end of my program, FDR became extremely unreliable and uncommunicative regarding my account. Whenever I called to inquire about my remaining payments and final balance, FDR provided inconsistent information. Each time I called FDR, I was given a different story. Even now, I can not get a clear answer as to what I owe. The only thing that FDR representatives consistently told me was that ALL of my settlement fees have been paid. I heard this statement repeatedly, but investigation with individual creditors revealed that some settlements were never paid. Unpaid Account XXXX XXXX Things became even more confusing ( and concerning ) on XX/XX/XXXX, when I was seeking to lower the interest rate on my home mortgage with XXXX XXXX. I have been an account holder at XXXX XXXX for 8 years. Two of my XXXX XXXX accounts were included in my FDR enrolled debt program. When I inquired with FDR as to my standing with my XXXX XXXX settlement plan, a FDR representative stated that my XXXX XXXX balance totaled {$6000.00} and that payments to XXXX XXXX began on XX/XX/XXXX. However, when I reviewed the account details myself on my XXXX XXXX account, I saw that FDR had made only 2 payments (! ) to XXXX XXXX : one on XX/XX/XXXX, and the other on XX/XX/XXXX. I called XXXX XXXX directly because I felt that there must have been a mistake. In fact, XXXX XXXX reported to me that there have been no payments in over 900 days! Shocked, worried, and confused, I called FDR immediately. Despite my best efforts, FDR would not give me a clear answer as to what amount was actually owed on the XXXX XXXX account. I requested from FDR a copy of my settlement agreement with XXXX XXXX. ( Until XXXX XXXX suggested this action, I wasnt even aware that I was even entitled to see it. As of the writing of this letter, I am STILL awaiting the settlement agreement from FDRa full 4 weeks later. ) Incredibly frustrated and worried at this point, I did my own accounting and resigned myself to paying the remaining XXXX XXXX debt on my own. I paid the balances {$1400.00} in full on XX/XX/XXXX. Undoubtedly, FDRs neglect and mishandling of my XXXX XXXX account has eliminated any chance of my qualifying for a lower home mortgage interest rate. Perhaps most distressing of all, FDR has now mysteriously deleted the XXXX XXXX accounts from my client dashboard. Again, I am left in the dark as to my own financial information. Unsettled Account XXXX XXXX At this point I felt that FDR was at best : uncommunicative, and at worst : outright deceptive. I simply didnt want to take any more chances with my credit by relying on FDR, which was clearly not making the settlements it had promised. So, I paid off my last remaining enrolled debt ( to XXXX XXXX ) last week. The XXXX balance was {$1400.00}. My Efforts to Resolve Issues FDR Miscommunications Over the course of the last several weeks, I have contacted FDR many times, often several times per day, attempting to resolve these issues. I have tried to communicate with various departments ( to whom I am constantly transferred ), but never get a straight answer. I have repeatedly asked for clarification. I have requested written payment breakdowns. The entire process was positively infuriating and I felt as if I was trapped in an endless cycle of misinformation. Then I finally spoke to someone at FDR who looked at my account and acknowledged how bizarre my payment history looked. In fact, FDR still had me scheduled to graduate the program in XX/XX/XXXX. I was slated to make 7 more monthly payments of {$800.00}. (!!! ) My Efforts to Resolve Issues XXXX XXXX XXXX Finally, on XX/XX/XXXX, FDR gave me a phone number for XXXX XXXX, which would be able to provide me with a breakdown of all my payments, fees, dates, creditors, etc. After weeks of asking, this was the first time I received their contact information. Thus began the next chapter of the nightmare. I called XXXX XXXX and the representative sent me my entire account via .pdf. But as I was viewing the file, I immediately noticed errors the statement omitted an entire month of time and charged for future dates. I called XXXX XXXX again the next day and I asked again for my complete and accurate account. So, I ended up painstakingly reviewing the 32 page .pdf they sent me, line-by-line. It is worth noting that I had to convert their file into an XXXX spreadsheet on my own. In no way did FDR or XXXX make this easy or accessible for me. In fact, it felt as though they were actively obstructing my efforts to get information, to complete my payment obligations, and to exit the FDR program. Surprise Fees It was this slow and painful review process that made aware of the barrage of additional fees that have been applied to my account. Until then, I was completely unaware of the additional fees that I had been subject to. The list below shows a variety of SEPARATE FEES from the XXXX breakdown ( none of this information was available to me on the FDR dashboard ). 1.Account Setup Fee ( {$790.00} ) 2.BOOK- ACH Payment fee ( {$51.00} ) 3.ACH-ACH Payment Fee ( {$15.00} ) 4.Book-Check Payment ( 2day ) fee ( {$80.00} ) 5.ACH-Check Payment ( 2 Day ) fee ( {$60.00} ) 6.ACH-Monthly Service Fee ( {$150.00} ) 7.BOOK-Monthly Service Fee ( {$150.00} ) 8. BOOK-NLLG Monthly Service Fee ( {$250.00} ) 9. ACH- NLLG Monthly Service Fee ( {$260.00} ) 10.Payments made to United Collections Bureau that I was unaware of ( {$600.00} ) 11. BOOK- Phone Payment ( {$66.00} ) 12. ACH- Phone Payment Fee ( {$54.00} ) 13. BOOK Settlement Fee ( {$5300.00} ) 14. ACH- Settlement ( {$4400.00} ) 15. PHONE Payment to creditor XXXX XXXX FAILED on XX/XX/XXXX ( {$250.00} ) 16. XX/XX/XXXX XXXX ( FDR ) deposited {$760.00} to my bank account with no explanation as to how they came up with this number. Because I do not work for XXXX or FDR, these internal acronyms and codes did NOT clarify the fees for me. Again, I called FDR to ask for an explanation about the fees. I even asked where in my original ( XXXX ) contract the fees were disclosed and authorized. Contract Review FDR then sent me my original ( 19 page ) contract, though they did not reference any particular provisions to assist me. I was left to comb through the contract unaided. So, I reviewed the contract line-by-line, even searching for FDRs specific key-words, only to confirm what I suspected and fearedthere was NO CLEAR EXPLANATION of the fees I had supposedly agreed to. Further Obfuscation Further inquiry with FDR resulted in another goose-chase for me when I sought explanation for those fees including the XXXX acronym. I was informed that XXXX fees were paid to a law firm that I was unaware of. However, when I contacted that law firm I was informed they did not have record of my program/account. It was suggested that I try to contact YET ANOTHER law firm instead. FDRs Refusal to Cease Withdrawals/ Termination from Program Out of desperation ( and fearing that I had been scammed out of thousands of dollars ), I requested that FDR cease all monthly withdrawals from my account. I was told they could not do that. This is baffling to me. To add insult to injury, NONE of my previously enrolled accounts are now visible on my FDR dashboard -- because FDR terminated me from the program after I told them I paid off my 2 remaining debts and they knew I was waiting for both settlement letters to arrive in the mail.
03/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • TX
  • 79912
Web
To the Consumer Financial Protection Bureau ( CFPB ) __ XX/XX/XXXX__ ====TITLE : Freedom Debt Reliefs Systematic Fraud to Their Clients Who Have Severe Financial Hardship ( including six attachments of 35 pages ) ==== In XX/XX/XXXX, I contacted the Freedom Debt Relief , LLC ( FDR ) to resolve my huge credit card debt of {$110000.00}. After more than three years, I made a total payment/deposit of more than {$20000.00} to FDR. However, FDR only resolved one small credit card debt of {$1400.00}. It was my big mistake that I never checked my account spending record at FDR before XX/XX/XXXX, because I TRUSTED FDR too much. Moreover, although I have a XXXX XXXX, I even did not notice a simple lie using fake mathematical principles by FDR. *** Recently, I searched FDR and found several lawsuits against FDR from the State of New York, and your Consumer Financial Protection Bureau. In XX/XX/XXXX, CFPB alleged that FDR, Charging fees in the absence of a settlement, and other bad issues. However, my case was even worse, because I found FDRs systematical fraud to these clients who have severe financial hardship. *** On XX/XX/XXXX, I submitted a complaint ( the same complaint as this one ) to FDRs support email address and uploaded the complaint to my account documents. On XX/XX/XXXX, I called FDR and talked to a lady XXXX, who claimed she is a member of FDR leadership. She said she would spend seven business days to review my complaint. After seven business days, I called another FDR staff and found XXXX two lies1 ) she is only a regular staff at the resolution department, and 2 ) she did not review my complaint at all. *** A staff at the resolution department, XXXX XXXX, briefly checked my complaint and then she emailed me three documents ( only one document provides me new information ). She rejected all my refund demands and cited FDR does not give refund. Therefore, I do not have any choice - I have to report my case to CFPB. *** 1. Fraud using language -- paying settlement fee only AFTER the debt is resolved FDR gave me a client guide first ( attachment 1 ) and its debt relief process was described as four stages upcoming current in process and RESOLVED ( i.e., debt has been completely settled, paid off100 % of payments ). After the clients settlement authorization, FDR had three steps : 1 ) your creditor receives funds 2 ) you continue your monthly deposits 3 ) FDR is paid its fee from your dedicated account for providing RESOLUTION services for each debt. Because FDR used the term resolution, my understanding was that FDR was paid its settlement fee after my debt was 100 % paid off. *** Moreover, in my agreement ( attachment 2 ), section 1, our guarantee : We will not charge any fee for our services until we successfully resolve a Debt for you and, if required, you have made a payment to your Creditor. Any client would believe that he/she only paid FDR after his/her debt was 100 % paid off ( RESOLVED ). I felt confused by if required, you have made a payment to your Creditor, because I did not pay my creditor. Indeed, I only paid FDR, and FDR paid my creditors. So, this requirement was not applicable to me. *** Section 5. Fees of the agreement is the longest and the most misleading section. The content of section 1 was mentioned again. But I felt very confused about the time for me to pay FDRs settlement fees because FDRs new claim became, When we negotiate a proposed settlement of a Debt and you make a payment toward the settlement of that Debt, we charge and are entitled to collect 18 % of the enrollment amount of that Debt, as reflected on Exhibit A. This statement contradicted section 1 of the same agreement, so I talked to Ms. XXXX XXXX at FDR who prepared my agreement. She said I only paid FDR after I paid off my 100 % debt -- -- exactly my understanding based on FDRs guide and section 1 of the agreement. If she told me the opposite information -- I must pay several thousands of settlement fees right after FDR pays a few dollars to my creditors, I WOULD NOT SIGN ANY AGREEMENT WITH FDR. *** ___<<2. Fraud using mathematicsvery small annual settlement fee percent>>____ Section 5 also stated that On an annualized basis, if we settle your debts over the estimated 48 month program life, your fee would work out to be approximately 4.5 % of your enrolled debt per year. Here, FDR invented one mathematical formula : 18 % ( fee ) / 4 years= 4.5 % ( fee ) per year. However, a simple example can expose this lie. My debt of {$100.00} is paid off in four years, so I pay {$18.00} total settlement fee to FDR ( 18 % ). Therefore, I pay my debt of {$25.00} and a settlement fee of {$4.00} every year, i.e., my annual settlement fee percent is still $ 4.5/ $ 25=18 %, not 4.5 %! This answer exactly demonstrates FDRs fraud using mathematics, NOT A LOW-LEVEL MISTAKE. I have learned all kinds of advanced mathematics, but I feel sad to notice this fraud very recently. *** ___<<3. Eight debt accounts and five fraud cases>>___ I have three records of settlement offers/authorization to FDR : ( 1 ) XX/XX/XXXX XXXX XX/XX/XXXX, enrolled debt of {$1400.00}, and settlement fee of {$260.00}. This is the only correct debt resolution with FDR ( attachment 3 ). ( 2 ) In XX/XX/XXXX, I received and authorized a settlement offer from XX/XX/XXXX, and ( 3 ) in XX/XX/XXXX, I received and authorized a settlement offer from XX/XX/XXXX. *** Attachment 4 is my dedicated account history from XX/XX/XXXX to XX/XX/XXXX ( got it in XX/XX/XXXX ). Only after one month of the agreement, there was no evidence of my authorized settlement offer, but FDR started to charge a {$2000.00} settlement fee on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, FDR charged a {$4100.00} settlement fee. This amount was exactly the settlement fee of my XX/XX/XXXX debt from FDRs website ( attachment 5 ). So CFPBs allegation is true : FDR had XX/XX/XXXX settlement offer in XXXX, but they charged the settlement fee almost three years ago. *** In XX/XX/XXXX, FDR charged four settlement fees of more than {$3500.00}, but only sent two {$5.00} payments to two XX/XX/XXXX accounts using my money in my account. Therefore, FDRs business model is EXTREMELY GREEDY. FDR got several thousand dollars of settlement fee, but only paid a few dollars to the creditors, while their clients ALL have financial hardship. Moreover, I do not have any record which was a settlement offer of XX/XX/XXXX from FDR. In contrast, I resolved my three Chase bank debts by myself. Attachment 6 includes my three final settlement letters from XX/XX/XXXX. *** From XX/XX/XXXX, I had a sharp income reduction again so I only can deposit no more than $ XXXX/month for more than one year ( previous deposit $ XXXX/month ). In XX/XX/XXXX, after FDR paid {$1.00} to XX/XX/XXXX, they charged more settlement fees right away. Again, this case demonstrates FDRs fraud -- paying the settlement fee only AFTER the debt is resolved. Moreover, FDR also breached the agreement because in section 3 of the agreement, Your Responsibilities : A. Program Deposits : Unless we can demonstrate to a Creditor that you have sufficient funds available to make a settlement payment, we may not be able to negotiate settlement offers for you. The balance of my account was around {$60.00} per month then, but FDR still negotiated a settlement offer in order to earn more settlement fees. *** ___<<4. FDRs payments to my creditors disappeared>>___ From XX/XX/XXXX to XX/XX/XXXX, FDR paid {$3000.00} to a creditor called XXXX XXXX XXXX XXXX XXXX I never authorized any settlement offer and this payment. Ms. XXXX emailed me a document that claims my payment was related to my XX/XX/XXXX debt. However, in the agreement Exhibit A, my initial debt of this card was {$22000.00} in XXXX, and this amount was changed to {$21000.00} in the settlement amount in XXXX ( attachment 5 ). Their difference is only {$960.00}, i.e., my payment {$2000.00} ( $ XXXX {$960.00} ) disappeared. Moreover, in XX/XX/XXXX, FDR should pay {$1.00}, XXXX to XXXX location and I had enough funding in my account ( {$4.00}, XXXX in XX/XX/XXXX ) according to the agreement. But FDR did not inform me and just stopped future payments because FDR charged a few thousands of settlement fees from my account. *** My XX/XX/XXXX debt is a typical fraud case, because FDR 1 ) did not inform me of any settlement offer, 2 ) did not have my authorization, 3 ) arbitrarily stopped payments to the creditor. Ms. XXXX claimed that she had records of the settlement offer and my text authorization. When I asked her to email me all evidence, she failed to do so. The nature of my case isFDR is EXTREMELY greedy to earn the settlement fees. After I compared all credit card debts ( except the XXXX XX/XX/XXXX debt ) in XX/XX/XXXX and XX/XX/XXXX, I find that my debts did no decrease and even increased. All my three XX/XX/XXXX card debts increased after FDRs payments. *** Thank you for your attention and I look forward to hearing from you as soon as possible due to my tough financial situation. *** ================== Attachments : 1 ) FDR client guide in XXXX ( selected four pages ). *** 2 ) My agreement with FDR in 2017. *** 3 ) settlement information with XX/XX/XXXX from FDRs website in XXXX. *** 4 ) My dedicated account history from XX/XX/XXXX to XX/XX/XXXX. *** 5 ) settlement information with XX/XX/XXXX from FDRs website in XXXX 6 ) Final settlement letters of my three accounts of XX/XX/XXXX .
02/09/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NE
  • 68046
Web
XX/XX/XXXX - My spouse and I sought out looking for a company to help us consolidate our debt into one loan - We had a large amount of debt ( 2 large loans {$32000.00} and {$33000.00} aprox. ). Except for the debt, We had excellent credit. I have never missed a payment PERIOD. We had just closed on a XXXX home XX/XX/XXXX, without having to sell our other home first - to show our credit was excellent. XX/XX/XXXX - Freedom Debt Relief - contacted my husband. The gentleman 's name was XXXX XXXX. XXXX requested to speak to both of us at a prearranged time where he would call us at a time that worked best for both of us. We spoke with him. He presented with our options over the phone as welll as the email I still have. 5 options : 1 ). continue our path making our payment. 2 ) loan consolidation, 3 ) Credit counseling, 4 ) Bankruptcy 5 ) Debt settlement. He told us 'after reviewing the information provided '' our best option would be # 5 Debt settlement. Major benefits he said - reduces monthly debt, provides one monthly payment, resolves the debt in a shorter amount of time. He was very persuasive. He told us both over the phone usually all debt is settled in 6 mons and in '2 years ' we will be 'debt free and the minimal damage done to our credit will be gone '. A much better option to bankruptcy as he stated - which I was never considering and to this day would never consider. We signed up with this service on XX/XX/XXXX. We were led to believe we will make a monthly payment of {$1000.00}, this would go into an account that will pay off the creditors as the accounts are settled. He led us to believe very little damage would occur to credit report AND it would be off of our credit report in 2 yrs, where as bankruptcy remains for 7 years. He led us to believe negotiations would start right away AND in approximately 6 mons from our sign up date- the debts would be settled. We were told to change all contact information with the 3 companies he felt we should enlist to an address and phone number he provided us AND to STOP making our monthly payments and let these debts go into default or missed payment mode. I was very uncomfortable with this, BUT XXXX explained this is so they have negotiation power. We were also led to believe all payments made would directly pay off out debt once settled and there was NO mention of 'settlement fees ' that this money would first cover. These settlement fees were approx $ XXXX. EACH. This was NEVER Explained. NOR was it ever explained that any debt write off or the amount decreased would be TAXED with the yearly income tax. It is considered income and we MUST pay taxes on it as we are now discovering. We were never told we had to have a certain percentage of money in our ' freedom debt relief account ' before they would start negotiating. I have called several times in attempts to understand these fees, and where my money has gone, why is it taking so long, why are they not negoitating, WHY is this taking longer than told, WHY is my credit 100 % destroyed and will remain on my record for approx 7 years as I am now told, NOT the 2 yrs. I was not given all the information NEEDED to make an EDUCATED evaluation on what was best for myself and spouse.. My credit is destroyed. My spouse has XXXX , we live in a 2 story house. This summer, he had an XXXX XXXX attack - where we were told by the neurologist - we will eventually need a 1 story home, he will not be able to do stairs. This is now impossible - We can not even get refinanced because of the MISLEADING and incorrect information provided by FDR ( Freedom Debt relief ) XX/XX/XXXX - I deposited 2 large amounts into our " FDR '' accounts after learning they will not negotiate until a percentage of an unknown amount was in this account. I placed a total of {$15000.00} - with help from my husbands retirement account ( which made us sick to our stomachs to touch ). XX/XX/XXXX, XXXX approx - first debt resolved and we were charged {$6800.00} in " settlement fees '' which came out of this account XX/XX/XXXX - approx - second debt 'resolved and we were charged {$6200.00} in 'settlement fees '' which came from this account XX/XX/XXXX - approx - the 3rd debt was resolved - we again were charge {$1000.00} in 'settlement fees ' Total in settlement fees {$14000.00} approx. WOW, WOW Total of Debt enrolled {$65000.00}, amount settled to pay = {$42000.00} These fees - WERE NEVER explained to us. We had NO CLUE such a fee with this amount existed. Again - This was all VERY MISLEADING and confusion - Key information was excluded, we were not allowed to make an educated decision that would best suite us, signing the documents over the phone- electronically- we felt rushed - we received a brief ' summed up description of each document and then immediately ' please sign '. the enrollment process was VERY fast. ALL conversations were recorded as stated by XXXX XXXX at the beginning of the call and every customer service rep I spoke with since that time of initial sign on. XXXX XXXX also said to please contact him at anytime if we had questions - I did reach out to him XX/XX/XXXX via EMAIL - No response was received - this prompted me to reach out to customer service which is where i discovered we made the worst, most catastrophic decision and all we were told WAS NOT entirely the truth. We would have NEVER signed up for this knowing the correct and FULL information. To continue .... XX/XX/XXXX - I was contacted by XXXX XXXX via email and Phone. I want you to understand this voice sounded Identical to the Man we spoke with XX/XX/XXXX. IDENTICAL- the voice, mannerisms of speech, the persuaiveness, etc. Again, we were told all conversations are recorded. I encourage this to be looked into. XXXX XXXX told us we have done very well in this program and he had an 'exclusive offer for us ' and off that is not often shared with other program members. they could transfer our account into a new account that would help us regain our credit faster, would be reported montly to the 3 credit bureaus etc ... he also said the interest rate 'shouldnt be that bad '. We agreed to be removed from FDR and placed with XXXX XXXX. Again- our understanding and what was explained to us was the money we have paid transfers over and we will be set up with a new account for the ONLY the amount owed or needed to pay. So at this time, we had placed our monthly payment of XXXX from XX/XX/XXXX to XX/XX/XXXX = total of XXXX, plus the XXXX to equal approx XXXX the FDR website was incredibly difficult to understand - we 'assumed ' the amount settled minus the amount we have already contributed would make of the difference and the amount owed on this 'new ' loan. which meant approx XXXX would be this new loan amount. INCORRECT- the new loan amount is {$35.00}, XXXX, at an interest rate 22.90 %, maturity date XX/XX/XXXX making monthly payments XXXX XXXX WOW, WOW. We have been mislead, not given ALL the information ( information was withheld ), Credit destroyed, OWE more money now via all these fees, loans, AND now our XXXX Income taxes. this is quite of bit the government is taking us on. This would have been a gamer changer and we would have never signed up Amount of debt started with = XXXX Settlement fees = XXXX Amount settled = XXXX New Loan amount = XXXX WITH 22.9 % interest until XXXX ( starting XX/XX/XXXX ) All these numbers are very confusing to me. I feel as if we were mishandled and scammed. This is outrageous company took advantage of people is rough spot and has not helped the situation - we are by far worse off now than before we were fooled into starting down this destructive and damaging path. It wasn't until this last week, I started looking up potential attorneys and lawsuits - I found were in XXXX Consumer Financial Protection Bureau sued Freedom Debt Relief for misleading their customer, etc .... I am not sure where to start - But I am considering obtaining legal advice. I found where CFPB had filed a lawsuit against FDR- So I am starting here in desparate hope you are able to help me and THIS company is stopped from taking advantage of any further people. Without Credit - you life is financially at a standstill. Mortgage, car loans, any type of personal loan that may arise, small loans for XXXX for both our XXXX XXXX aged children, college loans for our children in the near future, etc ... where do I even stop. This EFFECTS everything - even auto insurance, etc ... they view your credit history I have all emails and access to both my FDR account and my new XXXX XXXX account
03/03/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • FL
  • 32771
Web
In XX/XX/2019 I signed up with Freedom Debt Relief ( FDR ) as I needed help managing my debt. I wanted to pay all my debt in a way that I could pay everything and still have money to live. When I first spoke to them they explained how the program worked, I asked several questions and I felt I could trust them. I guess I was wrong. To begin they said I had to make payments in the amount {$960.00} monthly which was still steep but I agreed as it was less of what I was paying monthly for everything I had. They explained that it will take some time to settle some debts but I should start seeing movement and results between 3 to 6 months. I also asked what would happen if for unforeseen circumstances I couldn't make a payment, they said that wasn't a problem. Well during the entire year I was with them, they only settled one account, didn't touch any of the other accounts, I got sued by one of the creditors, had to get XXXX XXXX XXXX involved which took over six months to come to an agreement, in the process I got sued again by another creditor which had to get XXXX XXXX XXXX involved again as they didn't attempt to settle that account before got to the legal action. I had some letters from creditors that wanted to settle the accounts, forwarded the information, asked them to do something and nothing absolutely nothing was done. Here is the bigger problem, not only they only worked on one account. When I got sued the first time and got the lawyers from XXXX involved, in order to settle the account I had to increase what I was already paying them monthly to {$1000.00}, so in reality there were of no much help. But I did it because all I'm interested is on paying my debt. By the time the settlement was signed and everything was processed we are in the month of XX/XX/2019 which unfortunately I was having a lot of hardship as I had recently moved and had unexpected expenses making that month very difficult. I called them to see if something could be done with that payment, if I could skip it or reduce it. After discussing with their advisor and making sure there were enough funds in the account to make the XXXX payment we reduced the payment 50 percent. So instead of paying the full {$1000.00} I paid {$530.00} giving me a little breathing space on that month. When discussing this with them they did notify me that there could be a risk that my settlements could be affected. But there were enough money in the account so that shouldn't be the case. They sent some text messages and emails saying that my settlements could be at risk, however we have already discussed that and shouldn't be a problem, they had money to pay. Well little did I know they chose to not make the payments for this new settlement, the one that I got sued. They didn't tell me they didn't make the payment, so they missed the payment for the months of XXXX, XXXX, and XXXX. I found out on XXXX because the lawyers are calling me because " I '' make the promised payments ; I was in shock. I told them that wasn't possible as FDR had the money. Then they went to inform me that I had to increase my monthly payments by {$47.00} more, which at this point they are making things really difficult for me. I'm upset because this shouldn't have happened and I couldn't understand why FDR didn't pay and didn't say anything to me. Once I called them, long story short, apparently when they say something could happen, for them it means that something will happen. Apparently for them the words " could '' and " will '' is exactly the same. After being with them on the phone trying to resolve the situation, they are accusing me because I changed the XXXX amount to half of the established amount after they told me and left me under the impression that it wasn't an issue. The thing is that regardless if the amount was changed on that month, the account had enough money to make the payment and they should've make a payment. If by any reason more money was needed at the end or the future that could've been arranged. If they would've notified me that they were not going to make the payment instead of repeating what I had already discussed with them on the phone in XXXX when making the temporary change, I would've taken action and figured something out. So what ended being the result of them not making the payment for three months without my knowledge, well the settlement fell through, got canceled, I am being sued again for non payment, and their lawyers decided they were not going to do anything because. All this because FDR feels it was my fault, they feel they told me it was going to happen when their words were " could '' instead of " will '' and they admitted to me over the phone that when they say something is at risk it means the same as they won't be making payments and the settlements will be affected. I'm sorry, but because something could happen doesn't mean it will actually happen. And I was under the impression based on our conversation over the phone in XXXX that because the account had money the payments were going to be covered. So they said, we are not going to do anything for you. The account had close to {$7000.00} dollars in it, they could've covered the three months of payments and they chose not to do so. They didn't deliver to what their promise and compromise was. They only worked on one account, I got sued on two that they should've have worked on. For a whole year I'm making monthly payments technically for nothing. I cancelled their services because I can't do business with a company that doesn't do what they promised their customer, I can't work with a company that waits for the customer to be sued which causes more stress, they ignore your messages about account settlements, they give you bogus answers about what's the status of your account. They pretended that I continued to pay over a XXXX dollars to them, while they weren't going to help with a situation they caused because of miscommunication and providing unclear information as they made up their own meaning of words. So technically for them I was supposed to pay them that for them to do no work on any of my accounts, the lawyers working on that second lawsuit, and left me to deal with the first lawsuit. I had to cancel their services and now I'm left in a worst situation because now I have to figure out two lawsuits and figure out what to do with the accounts that haven't been paid in a year because they were supposed to be settling this accounts. They deceived me, took the money for a year, and basically did nothing. I trusted them with my financial situation, I was only trying to be able to manage my debt in a smarter way and easier way and they just were dishonest. My frustration goes into the fact that all this could've been avoided if they would've been clear and straight forward. They should've said, we are not going to make a payment because of this. They failed to communicate that and their choice of words were the incorrect ones, to then put the fault on my and give me their back and say, oh well too bad, you figure it out. They are dishonest and shouldn't be on business.
07/20/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 24019
Web Older American
Complaint Overview I am XXXX years old, this company is forcing me into bankruptcy by gouging me with 25 % interest and offering no alternatives even after 3 attempts to get relief from the excessive interest, and then losing my job due to covid-19 ... I am single, do not own property, live in a small apartment, had XXXX XXXX last year, no tangible assets, and at my age, do not care about my credit score as I will not be making any major purchases ( like a house ) at my age and health. Consumers need to be warned about the tactics and processes used to keep a person from completing the program, especially the elderly ones like myself, as the {$20000.00} interest alone that was paid over the 2.5 years would have settled all of the outstanding accounts, but instead robbed me of any retirement I might have saved. Instead, the company refused to refinance to a lower rate even though I had made 26 months of on-time payments. I was given the excuse that they could only finance 35 % of my yearly income, which would have been {$14000.00}. If this was the rule, how were they able to set me up for a loan of {$27000.00} at 25 % interest?? I have been taking medication for XXXX for some time, and if I had been thinking clearly and not scammed with scare tactics of being sued and having my small Social Security check taken, I would NEVER have agreed to such terms! Consumers in similar situations also need to realize that I would have been MUCH better off to pursue bankruptcy from the start, and at least would not have lost the {$20000.00} that I can not recover for any retirement money. My credit score does not really matter at my age, as I will not be making any major purchases such as a home, etc. I was not seeking to avoid paying, and could have continued doing so with a more affordable situation, lower rate and payments, at least until I lost my job due to COVID-19. Now I do not know what my future holds. I only hope that you can get this information out so others will not fall into the same trap as me. I plan to also send this to the XXXX, as they are always seeking to protect elderly citizens from scams and scare tactics used by businesses, especially with the COVID-19 issue having such an impact on the elderly! History Freedom Debt Relief I lost 2 jobs during the recession in XXXX, and was forced to live off of my credit cards, which was OK until I could not obtain employment. Eventually, I could no longer make the minimum monthly payments and decided I had to have assistance and contacted FDR, which assured me they could help with my issue. They set up a payment schedule of $ XXXXmonth, which I could barely maintain, but was told I would be sued, have garnishments, etc. if I did not make the payments. Once I had money in the account, they did settle a few accounts ; however, they did not tell me that their fees would come out up front, which made it nearly impossible to keep a high reserve in the account, and put me under more stress and pressure. Also, I was taxed on the amount of debt forgiven, which I was not told about. So, consumers need to know that they would be just as well off to negotiate and make settlements on their own, as the company charged 20 % of the settlement, and then with the taxed amount, little if any savings was accrued. After I had been in this program for about a year, I was told that they had a sister company, XXXX XXXX that could keep me from being sued by the remaining credit companies by loaning me the full amount needed to pay off the remaining debt. According to the representative, I was about to be sued, and have liens and garnishments due to the length of time that the remaining accounts had not been settled, mainly due to the company getting their 20 % out of the funds, making the balance too low to negotiate. So, being scared of lawsuits, I entered the program, and somehow was able to continue to make the unbelievably high payment of XXXX XXXX/month as I was working again. After some more time elapsed, the high payments were taking atoll on my overall financial stability, especially with the ridiculous interest rate of 25 %. I was making no progress on the principal as the interest came out first. I contacted the company requesting a lower rate due to my length of on-time payments, which were a reflection of my dependability. Chain of Events Leading to the Current Situation 1. I paid 26 monthly payments of {$770.00} and only had my principal reduced by {$7000.00}! 2. I was lulled into the agreement by " SCARE TACTICS '' stating that the credit card companies would sue me, and the C+ loan would prevent that - this was in XX/XX/XXXX 3. After paying this for over a year, I contacted the company on XX/XX/XXXX about getting a lower interest rate as the 25 % was ridiculous ( see attachment # A ) 4. The representative, XXXX, said he could not help, but to try again in 6 months! 5. The next contact was in XX/XX/XXXX ( XX/XX/XXXX - see attachments # B and C ). I had had it with the high interest, and was really struggling to make the excessively high payments each month. I was also told that they could only lend me 35 % of my yearly salary ( which was {$42000.00}, 35 % being {$14000.00} ) This was totally LUDICROUS, and when I asked him how they were able to initially loan me {$27000.00}, there was no response!! Also the original note was for {$23000.00}, which included their " settlement fees '' ( see attachments # D and E ). I was also told that this would actually be lower due to the funds in my account from their " sister '' company FDR-however, this was not true, as the amount financed actually increased to {$27000.00}.!! 6. I made another contact on XX/XX/XXXX ( see attachment # F ). This time, the representative, XXXX XXXX, told me that the ratio of principal to interest was moving in my favor due to the amortization schedule. Still, I had over 2 years left to pay. 7., My final contact was about 10 days ago, seeking available options as I lost my job due to covid-19, and can no longer make payments. I first spoke with XXXX (? ) who indicated the only requirement was 6 months of on-time payments to refinance - as I had 26 months, he said I was eligible and connected me with a finance person, who told me about the 35 % rule. I asked about other options, he said there were none, so I ended the call saying that this made my choice very clear, as I only have one choice that being bankruptcy.. Impact on consumers, especially the elderly with no retirement income and those impacted by COVID-19 CONSUMERS NEED TO KNOW THAT THIS COMPANY DOES NOT CARE ABOUT CREDIT REPAIR, BUT ARE SEEKING TO SCARE PEOPLE INTO PAYING HUGE PAYMENTS AT ENORMOUSLY HIGH INTEREST RATES!! THIS IS ESPECIALLY DANGEROUS FOR ELDERLY PEOPLE SUCH AS MYSELF, AS THE {$20000.00} PAID IN INTEREST COULD HAVE BEEN MY RETIREMENT FUND, AS I HAVE NOTHING ELSE!!!
08/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • 90019
Web Older American
XXXX Re : XXXX XXXXXXXX VS Freedom Debt Relief My name is XXXX XXXX and I am XXXX XXXX XXXX. I live at : XXXX XXXX XXXX, XXXX XXXX CA XXXX. XXXX XXXX XXXX ss # XXXX I am writing to the CFPB and filing this complaint against Freedom Debt Relief because of what they did XX/XX/XXXX. In XX/XX/XXXX in XXXX XXXX the pandemic was still very much alive and we were in lockdown still. I receive {$2000.00} every month for social security and unfortunately I have to work full time to pay my overhead which consists of rent, bills, groceries, utilities and I usually pay Freedom Debt Relief {$330.00} a month for them to settle past debts and pay them. During XXXX / XXXX pandemic my business was greatly affected and unemployment was inconsistent. I was always in touch with Freedom Debt and would call them every month if I had to skip a payment or make a partial payment of {$50.00} or {$75.00} and this XX/XX/XXXX I made a payment of {$120.00}. The man that I spoke to in XX/XX/XXXX was very rude and unprofessional. He said my payment of {$120.00} wasnt enough and I would be in danger of losing my settlement with XXXX XXXX XXXX XXXX XXXX. I asked him why? My monthly payment amount to XXXX XXXX XXXX was {$35.00} And that XX/XX/XXXX I had confirmed a new settlement for a different account ( that has since been paid in full ) and that XXXX the payment for that account was {$68.00}. I did the math, {$35.00} + {$68.00} is {$100.00} Again., I was paying {$120.00} which covered those payments. I told him that XXXX XXXX was still in XXXX lockdown and was effecting my work and my ability to pay the full {$330.00}, which, up until this month Freedom had been very understanding and helpful. But this guy didnt care and kept saying it wasnt enough and that I might lose the settlement with XXXX XXXX I asked him if there were other fees and he said no that they didnt take fees until the settlement had been paid in full. But the truth is they do charge fees ( see screenshot ) They charge a monthly service fee of {$9.00} Still within the {$120.00} I paid for XXXX. And they charge another service fee of {$12.00} for XXXX Fee that may have to do with their legal dept. At any rate, I told this guy look, Im doing the best that I can. Im not working yet, Im not getting unemployment right now, I called in to do a {$50.00} payment and Im paying you {$120.00} which covers the {$35.00} payment to XXXX XXXX XXXX and the {$68.00} on this new settlement. In fact if this is really going to be an issue then I ask that you cancel the new settlement that I just authorized and then the {$68.00} payment will no longer be needed and youll have more then enough for the {$35.00} XXXX XXXX XXXX payment. He didnt like this at all and became incredibly rude and hostile. He went into full bully tactics. It was like speaking to a nasty debt collector. That was unacceptable to me. I wasnt going to be bullied by some rude and unprofessional jerk from a company that was supposed to be looking out for my best interest. I told this jerk that I had only {$350.00} left to pay on the XXXX / XXXX settlement, that I was paying {$120.00} which was more then enough to cover the {$35.00} payment and I did NOT want anything to interfere with losing this settlement. XX/XX/XXXX I learned that Freedom had cancelled the settlement with XXXX XXXX XXXX and now Freedom started a new settlement that now will cost {$620.00} instead of {$350.00}. So. They just added on more money to the new settlement. Im not sure what you call this is the finance industry but weve always called this bait and switch. At first I called Freedom several times and spoke to several customer service reps. none could figure out why the settlement with XXXX XXXX XXXX was cancelled and lost. They all said they would ask their supervisor and have them get back to me. No one ever did. Occasionally I would get another rude customer service rep. that would say that it was because I didnt make my whole payment of {$330.00} and thats why the settlement was lost. I would then remind them that the payment for XXXX XXXX XXXX was only {$35.00} AND this was still very much during COVID and I was limited in what I could do. To which I never got an answer from anyone about that. Ever. They have ignored the whole situation and they just keep sending me this new settlement. When I dont accept, they mark the account as in escalation for possible litigation probably so they can charge me the monthly {$12.00} for XXXX and then they come back with the same settlement offer of {$620.00} So theyre ignoring me. I did resume my full payments to Freedom for {$330.00} and have been paying them on an automatic payment, every month. I want the money from these payments to pay the {$350.00} from the original settlement for XXXX / XXXX and then I have one last settlement to pay and Im finished. I do not trust Freedom since this situation happened and I stopped trying to work it out with them since I could never get any answers or action. They continue to call me constantly several times a day about the new settlement ( see screenshot ) for XXXX / XXXX for {$620.00} and they still keep charging me these monthly fees. Again, the solution I want is to pay the {$350.00} that was owed originally on the first settlement with XXXX / XXXX that should have never been cancelled. I have enough money in my client account with Freedom to pay the {$350.00} in full right now and the account be classified as settled and paid. Im XXXX XXXX XXXX. I dont know how much time I have left. Im trying to do the right thing and pay off these debt settlements. I have one more account / settlement left to pay off with Freedom and thats it I can move on from this horrible experience and excessive fees etc. Its become apparent that Freedom does not have my best interest in mind and I greatly appreciate your help in this matter. Thank you. XXXX XXXX
03/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • FL
  • 34744
Web
Assistant Director for Enforcement Bureau of Consumer Financial Protection ATTENTION : Office of Enforcement XXXX XXXX XXXX, XXXX. Washington D.C. XXXX Date : XX/XX/2020 To : CFPB Assistant Director for Enforcement and Mr. XXXX XXXX From : XXXX XXXX RE : CFPB v. Freedom Debt Relief , LLC, Case No. 3:17-cv-06484 This Memo will serve as a formal complaint and evidence of fraud and spearfishing. I am contacting you to advise that you possess and attest that I signed a contract that I did not agree to. I am unable to know if I am working with Freedom Debt Relief LLC or Freedom Debt Financial Network My financial situation went from a career with a reputable company, that awarded me a better quality of life, to now living on Social Security XXXX Insurance. Im currently able to work a part-time job, per medical advice. This still creates an annual income well below the poverty level. My cards were maxed and eventually, I was unable to even pay the minimal amount. I went to XXXX to see if someone would allow me to bundle the card amounts and to learn if I could satisfy my debt responsibilities and make a lower payment each month. The results came back stating no one was interested in providing this service. Once this message stated this I began to scroll down to learn which companies declined me. Once I scrolled back up Freedom Debt Relief requested that I complete their form. I was completing the task, someone called me before I even selected submit. It was from XXXX from Freedom Debt Relief. She knew the credit cards that I held and the amounts on each of them. She offered me a program that lowered my monthly amount and negotiate with my creditors upon my behalf. I was instructed to stop making my payments because they wouldnt have the ability to negotiate. This was hard for me because my credit was 0x30, 0x60 and 0x90. I was assured that my credit will be affected at first but once everything was paid I would be debt-free and allow my credit score to increase. We completed a document via Docusign.com. We agreed that I would pay {$100.00} on two different dates because I would not be able to pay the full amount of {$420.00}. I also advised making extra payments if possible because paying the half amount will extend my contract and/or cause my payment to be much more than {$420.00}. XXXX also stated that I had funds to spare so if I need more relief they could assist me. She then transferred me to XXXX to make my initial payment. XXXX remained on the call to advice him that my initial payment would be two payments of {$100.00}. During our call, I made a payment of {$100.00} with my debit card. I saw the funds removed from my bank for the initial {$100.00}. I was alerted about a week later that I had a NSF charged on my account. I was so confused because the {$100.00} initially charged disappeared. I was advised by a Freedom Debt Relief agent that she showed nothing posted to my account yet. She also advised that their organization prefers to use Automatic Clearing House than a debit card. I later saw a charge stating the Freedom Debt Relief tried to charge {$420.00}. I never agreed to pay that amount on my 1st payment and I never authorized them to take {$420.00} in XXXX. I called and couldnt get a clear answer from anyone. I just chalked it up to miscommunication. I called Freedom Debt Relief again due to the coronavirus to learn what XXXX meant by having extra funds to use. I was told the company doesnt extend a line of credit to their customers, so again I thought it was just misinformation. I was then advised by XXXX that I never made a XXXX payment. I asked to speak to a supervisor because I wasnt chalking up anything up to miscommunication anymore. I was transferred to XXXX who provided the same information, she stated that only a half amount of the normal agreement was made. I advised her that is was what I agreed to. She sent me a copy of the contract to my email, which did state that my initial payment was {$420.00} and not the {$210.00} ( two payments of {$100.00} ), I know that I would never agree to pay something that I couldnt pay. I looked up my initial contract through XXXX, it stated that the expiration date for the agreement had exhausted. XXXX also stated more than once, that my plan expires in 2 years but I remember the agreement stating four years. I asked to speak to her supervisor because what she was stating wasnt true. She said that she doesnt have a supervisor. I asked if she was the owner of the company, she said no but she still doesnt report to anyone. I told her I will start at the top of the company and potentially contact the Consumer Financial Protection Bureau. I also requested to learn the correct information or pursue her supervisor to contact me within the hour. I then disconnected. I received a voicemail from XXXX who stated that I should not expect a call back because the information she provided is correct. When I went to the CFPB website to submit a complaint against Freedom Debt Relief only to learn they have a recent settlement and conditions they agreed to. I feel obligated to disclose items of the settlement still isnt being adhered to. In the attached documents you will notice that their system shows that I made no initial payment at all, and advised me to make no further payments to my creditors. I was also instructed to have all of my bills sent directly to them instead of relying on me to trust what actions they have taken but I cant even gather correct information from their website. Im assuming the fees are calculated by the 23 % interest charge. Considering the interest rate is XXXX over prime right now they knew that I was desperate. The ACH transactions show two payments of {$100.00} in XXXX and {$420.00} in XXXX which is what I agreed to pay. Some pages on the website show the 3 transactions and some only show one.
07/22/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or missing disclosures
  • CO
  • XXXXX
Web
I was contacted by Freedom Debt Relief in the summer of 2018. I had about {$25000.00} in debt & wanted to learn the best & most responsible way to pay it off. The representative made a lot of promises, all which ended up not being true. He also left out several important aspects of the program, which I would have immediately known were unacceptable and would not reduce my debt. He said I had to sign up right then to get the program offer. He did NOT send, read, or give me an accurate idea of the agreement prior to signing. I have been paying every month for 2 years and put {$8500.00} into a trust account for them to negotiate and pay the debt after I approved. They have only settled one debt for less than {$1000.00} and ALL the rest of my account funds are empty. I have been calling since XXXX and everyone was rude & would not look into it. I did my own research & figured out their schemes. Some were in fine print that wasn't transparent or communicated, but there are also major federal & state violations that they are practicing and exploiting the poor who are trying to pay off debt. They are profiting & causing us more debt, hundreds of hours in time, and excruciating emotional distress when we are already in a vulnerable state. The violations include, but not limited to : 1. Telling me on the sales call to that they were signing me up with my parents address in Pennsylvania because of " filing '' convenience for them and that it would not affect my program at all. - Fraud & Against the law 2. Promising debt services they knew were not attainable & were already sued for saying ( my debt would be completely resolved in 2 years or sooner ) 3. They said they could negioate with all my creditors, which I found out later they could not work with XXXX XXXX or XXXX XXXX. They said there was transparency, but I soon found out soooo many issues to ensure my funds were taken by them, not creditors 5. I was rushed in to signing & was not told there were non-profits or other options 6. They never explained the process and they said their algorithm would pay off my debt including their fees and ave me over {$10000.00}. That was a lie. 7. Their client dashboard is inacurrate and doesnt show vital information including which account the settlment fees they are taking is for 8. I was not communicated with & some accounts ( I had XXXX creditors ) were negioated & payments made without my consent. 9. I did not know the money in the account was mine & I had control 10.I received a summons & complaint for XXXX XXXX XXXX which I immediately notified them about. They said they would handle & let me know if I needed to do something. They did nothing! I got sued & my WAGES were garnished. Causing me to have to pay more than the debt of XXXX XXXX & also hurt my career reputation. I could not get a hold of anyone that would even take the XXXX XXXX off my program as promised for an entire year. Later, I found out they could never work with them. I also pay $ 12 month for legal services ( another {$10.00} for the account & 23 % of each settlement ) and they never told me I could utilize if for the XXXX XXXX, which made me miss a small 3 day window for legal council I pay for. 11. They are illegally charging me 23 % in settlement fees, which is above the alloted amount of fees. Also, they take out the entire amount immeidately, depleting all funds so accounts are not resolved. Causing the debt to last much longer than necessary. This is not legal! 12. They promised they dont take any fees until debts are sucessfully resolved, which is a lie as they made XX/XX/XXXX of my accounts go null & void and did not return the 23 % to my account and losing all the debt paid on the account costing me thousands of dollars. I called & went online regularly and they NEVER said I lost a creditor contract even when I was asking specifically what was going on & where my funds were. 13. They finally gave me a ledger to reasearch on my own & thats when I found all the laws & violations of how they were illegally taking me funds. They were depleting funds on purpose, not telling clients, making deals with creditors without my consent, saying it settled for more than it did & purposely doing all of this to maximize profits. 14. Their entire program is predatory, fraudulent and downright illegal. They are not doing ANY of the services promised, taking advantage of the poor, treating them cruelly, illegally taking their money, lying to them and then trying to cover it up. I have proof of every single claim above and more. Please stop them! I live in Colorado & they knew that and put Pennsylvania. I now know that because our regulations are stricter, so they will try to get around state regulations. The bank we have to use & the legal service required to use are on the same financial board. Clients are poor & have no resources. They lied and said my recurring payments " were not able to pulled '' but I pay automatically and it comes out twice a month meeting all their requirements & more. They also reduced my monthly amount without telling me of any of the null & voids when they finally took off XXXX XXXX. That shows they had the intention of my funds depleting. They refuse to help & wont return my calls or give me any information or recourse to resolve this. Please help us! We cant afford lawyers & they know that. Please! I am a single mom who has no help or recourse. This is illegal & can prove it.
08/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • MD
  • 20743
Web
On XX/XX/2023, there is a settlement fee in the amount of {$410.00} cents, with the entire amount of fees " owed '' being {$1000.00} cents which is nowhere to be found in writing just as my other accounts were not found with these fees associated to them in writing. Freedom Debt Relief Program states on page 9 under 5a. Settlement Fees : " It is understood that Exhibit A may not reflect the actual amount owed to each of your creditors as of the Effective Date. Accordingly, we may use other sources, such as your credit report or your creditors, to ascertain the exact amount owed to such creditor ( s ) as of the Effective Date. If we substantiate that the amount actually owed to any creditor on the Effective Date differs from the amount set forth on Exhibit A, Exhibit A shall be deemed restated with your consent as of the Effective Date, with any corrected amount ( s ) controlling for all purposes, including the payment of our fees. But on page 5 under 1a and 1b. " 1. FDR Commitment. a. Results First. You will not pay us any settlement fees until we reach a settlement. A settlement is the settlement, reduction, or other change to the terms of an enrolled debt. We will only charge you a settlement fee on an enrolled debt when a settlement is reached on that debt, you authorize the settlement, and at least one payment is made toward that settlement. See Subsection 5.a. below for a description of the timing of payment and amount of settlement fees. b. Program Guarantee. Our objective is to help you pay less than you currently owe on your enrolled debts over the life of your participation in the program. Accordingly, after you graduate from your FDR program or otherwise terminate this Agreement for any reason, we will evaluate your eligibility for a refund of some or all of the settlement fees you have paid. In particular, if your FDR program settlement costs exceed the enrolled amount of your settled debts then we will refund the amount of that excess, up to 100 % of our settlement fees. Important notes and limitations : i. Your enrolled debts are reflected on Exhibit A and may be restated as described below. ii. For purposes of this settlement fee refund, your FDR program settlement costs are ( a ) the total amount you paid to your creditors through your FDR program, plus ( b ) the total settlement fees paid to us as described in, Subsection 5.a. ( excluding any other fees, costs or taxes you may incur ). iii. In the event you charge, draw, or take advances on a debt after enrollment, that debt, and any FDR program settlement costs associated with that debt, will not be considered for purposes of this settlement fee refund. Debt Reduction was {$380.00} but at a lost with fees being paid out at {$1000.00} which in the contract, it does not say what " eligibility '' may look like and why it is being taken from me if I am at a loss with them taking before paying the creditor with my own money. I also did not receive any updates on settlements that were made or denied prior to this settlement which started at around {$2500.00} and then went to {$3700.00} with the settlement still ending in {$1000.00}. FDR has made it unclear of whom my payment is going to rather than discussing these matters verbally or in-person, I was sent an e-mail asking for a signature to continue with the authorization for this creditor ( s ) which payments would be made to one entity but also in the other entities name. It is stated that the current creditor is XXXXXXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX XXXX. The summons and complaint ( in which I was served ) was also in the name of XXXXXXXX XXXX XXXXXXXX XXXX and not XXXXXXXX XXXX XXXXXXXX. My entire experience has been nothing but assumptions and given the circumstances, since the first month of enrolling my debt, there has been confusion about my accounts and where the money goes ( including the account made for me through another banking company " XXXX, '' that does not explain where the money was taken from my dedicated account to show the settlement fees ) According to the XXXX summary of activity, there is no actual name for the fees or which fees is associated with which debt that has been charged correctly without using mathematics to figure out which fees were debited from my account. Instead, it only says " Settlement Fees, '' rather than " Settlement Fee For ... '' The company also take their money in this last settlement first before paying the " new creditor '' in which it is not enrolled as " XXXX XXXX XXXX, '' it is enrolled as XXXXXXXX XXXX XXXX XXXX but I am making payments out to " XXXX XXXX XXXX '' as well as the document that was sent has the name of the " original creditor '' as well and not the current creditor. Next, my debt may have been reduced but the settlement fee was still high and created less progress by taking a large payment from me. I would also like to say that when
10/05/2021 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • NY
  • 11206
Web
In XX/XX/XXXX I entered a contract with Freedom Debt Relief. I had 2 credit cards to consolidate. It was explained that once I sign on I would pay a monthly deposit into my account and once a certain amount had accumulated, FDR would negotiate with the creditor and typically reach a settlement of 50-60 % of the debt. With the fee they charge for that service, the client would still come out paying less than the full balance. The original balance for the XXXX card, I enrolled with was XXXX. When I inquired after close to 3 years and with over $ XXXX in my deposit account with FDR why no settlement had been reached, I didnt receive an answer other than It will happen. FDR has failed to mention that while I was paying in my monthly deposits and while they were not negotiating, the Bank would still charge me interest, which added over XXXX in the 3+ years of non-negotiating. Had I talked to the bank myself, they would have frozen the account, we would have agreed on how much I would pay over an agreed period of time, but since the account would be frozen, no new interest would accumulate. Last week FDR announced that a settlement of {$7300.00} had been reached. At first, it looks like I only have to pay 50 % of the debt and their fee and I would save a substantial amount of money thanks to their service. But when I look at the numbers, I will end up paying a total of {$9800.00} ( the settlement, FDRs fee, service fees ) FDR 's fees were calculated from the interest-inflated debt of over {$14000.00}, not the original {$11000.00}. In total and after over 3 years I save {$1400.00} ( 13 %, not 50 % as FDR portraits it in their breakdown ), whereas FDR gets {$2300.00} in fees. Furthermore the {$9800.00} i will have paid by XX/XX/XXXX, the rep last Friday told me would take care of the settlements and fees and I would not have to pay anything else as the case will be settled. The following day I got an email stating that in addition to the 2 payments ( {$700.00} on XXXX and {$660.00} on XX/XX/XXXX I had agreed on with said rep to settle my case, I still need to make 11 monthly payments of {$140.00}!!! When I disputed the additional payments, I got the following reply : FDR-reply : Once we have all funds needed for the payoff amount, and to cover two months of the monthly service charges, we can begin the payoff process. Reviewing the account notes I see XXXX went over this with you on XX/XX/XXXX when the funds were scheduled. The program does not end the day funds are added, we would need time for the funds to clear into the dedicated account, to reach out to the creditor amend the settlement, payoff the settlement, then await to hear back from the creditor the payments cleared. At times this process can be completed in a few days if the creditor is responsive, other times it can be up to 30 days. We will be moving forward as quickly as possible. Once all payments have been made and cleared with the creditor, we will then begin the Account Closure process, this will take up to 30 business days to complete. In this process we go through a final review to make sure there are no unknown issues the creditors had not previously advised us of. Deposits are left on during this process to assure no delays if issues are found. Once the Account Closure is completed we would then turn off all deposits and send back any leftover funds this can take up to 15 business days to process though normally is processed faster. - end FDR reply This looks like red flags to me, to buy more time and extract more money from me and Im quite alarmed at this point. I read up on the lawsuit CFPB against FDR and the 4 main points listed absolutely apply to my case. I also saw that there was a settlement of the said lawsuit in XXXX and FDR paid XXXX. However, nothing seems to have changed in their way to deceive their clients, not negotiate with the creditors in a timely manner, and not being transparent about their fees. I feel just as harmed and misled by FDRs immoral conduct as prior to the lawsuit. Are they not being held accountable after a lawsuit like that? The second debt I enrolled with FDR in XX/XX/XXXX, was about {$22000.00} I owed XXXX. In XX/XX/XXXX XXXX mailed me a court order. I thought the law firm XXXX would represent me in court as FDR had told me it would. In exchange, they charged a mandatory fee for said service by XXXX. However when I sent the court order to FDR, they dropped me like a hot potato, telling me, XXXX would not negotiate with 3rd party reps anymore, XXXX would not rep me because I had notified them too late about the court order. So I had to hire a lawyer at the 11th hour to negotiate with XXXX. The lawyer got me a 33 % reduction of my debt, a monthly payment arrangement was negotiated and no interest would be added after the settlement. This I consider a real settlement as opposed to the convoluted opaque way FDR constructed their services.
02/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NY
  • 11103
Web
In XXXX of XXXX I decided I needed to tackle my outstanding credit card debt prior to my XXXX on the XXXX of XXXX. So I contacted various debt services and settled on Freedom Debt Relief. The agent I spoke to, XXXX, promised me that since my credit debt was rather low, a XXXX year payment plan would most likely settle my outstanding debt. I spoke about this topic many times, because I was insistent on paying these cards as early as I could because I was tired of the debt and considered bankruptcy. I enrolled XXXX credit cards with roughly XXXX of debt. The first XXXX, a XXXX XXXX and XXXX, settled around {$500.00} each within the first few months of starting the program- so I was feeling optimistic. But then XXXX hit. Now, I never missed the payment of around {$330.00} a month - but nothing was happening with my accounts. I figured, because so much turmoil was happening with all lines of business and credit, my outstanding debt would escalate in settlement talks. But nothing was happening. I would call the Freedom Debt team and they promised someone would be looking into settlements, but nothing. Then I started to get calls from the Freedom team about I could consolidate faster if I entered into a new program- I thought this was shady, why a new program? Isnt this one working now? I refused to enter into a new program because I was afraid my debt would increase more with more bureaucracy. Well, after waiting months for Freedom to negotiate with creditors I called up XXXX of my creditors, XXXX XXXX in XXXX of XXXX and on that single phone call they settled with me and I paid them directly, right around {$800.00}. So this is XXXX cards settled by Freedom and XXXX by myself ( which they claim credit for on their website ), and now I have XXXX creditors left. The next thing is see is the expected graduation date to paying off my last XXXX creditors keeps getting pushed back. First it was XX/XX/XXXX over the phone. Then its pushed back to XXXX of XXXX. Then later on their website to XX/XX/XXXX. Now its XXXX of XXXX! Because I paid off a creditor the program should have escalated to an earlier graduation date, no? This program went from a XXXX year settlement term to XXXX years, and XXXX aggravated that my debt continued to climb during the pandemic. Example : my original amount of my XXXX XXXX debt was {$10000.00}. They let the amount climb to {$13000.00}. Thats a {$3600.00} increase in debt. My XXXX was {$6500.00}. It increased to {$7600.00}. Thats and increase of {$1000.00}. This is now a {$4600.00} increase in debt. This isnt fair. Youll see in the contracts they break down my debt, the estimated time to pay off - yet we arent negotiating off the original amounts because??? The contract is based on their agents working to reduce debt, not let debt climb. I continued in my commitments to Freedom. I also took it upon myself to contact a creditor to settle when Freedom dragged their feet and gave excuses as to why nothing was being executed. I have struggled so much since XXXX. I went from struggling to pay off debts prior to now I never have savings. Everything is paycheck to paycheck. I dont think Freedom worked in my best interests during XXXX XXXX If they or my creditors received benefits and were encouraged to help their struggling clients, there was none of this directed in my case. DEBT CONSOLIDATION NEEDS TO WORK IN GOOD FAITH. I want to be debt free this year but I cant work any harder than I do. My hours are also determined by my back. A back injury has sometimes left me incapable of movement. The pain is intolerable, but active physical therapy has been my savior. Im XXXX XXXX XXXX. I desperately want to be debt free so I can have some form of savings or some sense of a life going into middle age. Part of me feels I just need to claim bankruptcy now so I can begin savings now. Ive wanted to be an American with integrity and good credit who can stand by his word. But after seeing so many of my area businesses get XXXX money and close up shop, it seems like everyone is on the take and not taking care of the people. Freedom Debt Relief made XXXX accommodations for me during XXXX. They had no sense of urgency. They had no sense of commitment to this contracted customer. They steer creditors to solely contact them. They control the narrative. I need to know what I allowed them to do to me by stretching my graduation date XXXX years longer than what was discussed. Oh, and I volunteered for XXXX XXXX. I was very proud that as an XXXX XXXX she helped create this agency from the bottom up. Amazing XXXX.
11/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • CA
  • 91352
Web
I'm working with a company called Freedom Debt Relief where I'm paying off creditors. I've been paying for months and I've paid off some of my debts ( Over {$1500.00} roughly so far. ) I still have {$370.00} in the XXXX XXXX account held for one creditor ( XXXX XXXX XXXX ) that I need to pay off. The pay-off amount is {$390.00}. Unfortunately, I XXXX XXXX and my salary has gotten horrific over the past year, to the point where I'm trying to change fields. I'm studying XXXX XXXX and XXXX XXXX online. Within the next few months I expect to make much more income. I told Freedom Debt Relief that I can't make my monthly payment of {$280.00} I live alone in XXXX XXXX, my rent is {$1300.00}, and I make about {$600.00} per week ( before gas expenses ) XXXX XXXX 40 to 50 hours per week. XXXX XXXX said that their policy is : I have to call each month in order to keep them from debiting my bank account for the amount of {$280.00}. Whenever I call, they go into a spiel about the importance of paying the full amount. I explain to them that unfortunately I don't even have {$280.00} in my bank account, but they keep on talking fast like a used car salesman. Important : There is {$370.00} in my Freedom Debt Relief account and I owe XXXX XXXX XXXX {$390.00}. Freedom Debt Relief could easily pay this debt off ( and I'd be happy to give them the {$15.00} to pay it ), but I have a bigger account with XXXX XXXX XXXX that needs to be paid : this account is not a part of my agreement with Freedom Debt. But Freedom Debt knows about it and wants to make the money from this {$18000.00} debt. Anyway, rather than just paying the XXXX XXXX Debt, they keep lying and saying they can't take less than {$100.00} for the payment because they know the account is VERY close to having enough to pay off XXXX XXXX XXXX, but they want the XXXX XXXX XXXX account, which I have not agreed to pay through Freedom Debt. So, I called XXXX XXXX yesterday and sent them 2 emails stating that I do not want them taking the {$280.00} out of my bank account. In the emails, I told them that they are not authorized to take this money out of my account. When I called yestereday, a female representative kept talking fast and arguing with me about paying the {$280.00}. She kept cutting me off mid-sentence and then placed me on hold for an extended period of time. After I hung up to start studying and then go to work, she never returned my call. When I called back today ( XX/XX/2019 at roughly noon ), another female representative told me the following : " Our systems notified us that you purposoley hung up the phone call yesterday. And since you hung up, we couldn't stop the payment from going through. So the {$280.00} will hit your account on XX/XX/2019. '' They knew I was calling to tell them they are not authorized to take money out of my bank account. Instead of calling me back, they allowed the payment to process. Also, I sent them 2 emails yesterday and when I asked if they received the emails, ( I've uploaded the email with confirmation that it was sent to them ), they said that they didn't receive the email. I sent one email from my XXXX account and one through their actual website. So their systems can tell them that I hung up a phone call, in which I was on hold for a long period of time ... .but their systems can't tell them that I sent an email twice!!? Now, one of two things is going to happen : Either my bank account will go into overdraft on XX/XX/XXXX, or I'll need to borrow money from a family member, thus alerting people about this private financial situation. Since they will now be receiving {$280.00} from my bank account, there will be a total of {$650.00} in the XXXX XXXX account. The total payoff for XXXX XXXX XXXX is {$390.00}. So I told XXXX XXXX to pay off the creditor and then return ALL remaining funds to my account. I'd like to end my account with XXXX XXXX. So they will owe me roughly {$250.00}. I want to make sure this gets paid back to me because these people are fast talkers and very decietful. Important Note : I informed them that I would be calling the Attorney General to file a complaint and they just sent a response to the email I sent yesterday where I told them that I don't want the funds taken out of my account. In XXXX XXXX 's response email, it says that I need to call them within 2 business days if I don't want the money taken out of my account. Yesterday was XX/XX/XXXX, the bill is due XX/XX/XXXX, but they're still taking the money out of my account. -- -- Email attached.
07/12/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 371XX
Web
I enrolled with Freedom Debt Relief in XX/XX/XXXX. I agreed to have them withdraw {$200.00} every 2 weeks from my personal checking account, deposit it into a dedicated accounts with XXXX XXXX and apply it to debts they were to negotiate and settle on my behalf. They negotiated and reached settlements on 2 enrolled debts XXXX XXXX XXXX and XXXX XXXX ) and I approved the settlements. However - they defaulted on BOTH settlement agreements and NEVER informed me! One of the accounts they settled and defaulted on received a judgement against me. They collected their settlement fees and defaulted on it for non payment. But they got their fees! When I found out about it on XX/XX/XXXX - they told me that the XXXX XXXX account defaulted due to NSF in my dedicated account. In my research, I found that they deducted their fees from that account which left NSF to make the agreed upon payment therefore resulting in default on the first payment! Clearly NOT my fault! So, of course the negotiated settlement was null and void and has to be renegotiated. I was NEVER informed of any of this!!! The second account with XXXX XXXX defaulted in XX/XX/XXXX. It was negotiated and settled in XX/XX/XXXX. Also in XX/XX/XXXX I was served with a judgement on this account. FDR told me they would have their legal team ( that I paid monthly to retain to protect me form these things ) take care of it and not to worry because it has been negotiated and all I have to do is approve the settlement. I did just that and continued to make my payments of {$200.00} each payday without fail. In XX/XX/XXXX, I started the process of refinancing my HELOC in an effort to obtain a mortgage and make forward progress on my financial obligations. I contacted FDR advising them of my plans and requesting the payment status of the remaining settlements and when they would be complete. I was told that the XXXX XXXX account would be complete on XX/XX/XXXX and to call back on XX/XX/XXXX to request the completion letter to submit to my mortgage company. I did just that. In the mean time - I was under the impression the XXXX XXXX account had already been paid in full and completed. I later found out that it was in default as well! One XX/XX/XXXX, when I called to request the Completion Letter, I was informed that the account had fallen into default back in XX/XX/XXXX due to non payment. In the meantime, my dedicated account with FDR ( XXXX XXXX ) was showing these payments being made to XXXX XXXX ( debt holder for XXXX XXXX ) each month like clockwork. I was never told by FDR that the account had fallen into default due to non payment on their behalf. I called XXXX XXXX inquiring about what happened because FDR told me XXXX XXXX had been refusing payments made to them by FDR/XXXX since XX/XX/XXXX. XXXX XXXX insists that no payments or attempts to make payment have been made since the last payment they received on XX/XX/XXXX. FDR insists that XXXX XXXX accepted a payment of {$100.00} on XX/XX/XXXX and it cleared my XXXX XXXX account. XXXX XXXX says they did not receive or refuse any payment or attempts of payment by FDR and that's why the account fell into default. XXXX XXXX says they reached out to FDR numerous times and never reached anyone for an explanation. In the mean time, FDR is still collecting my {$200.00} every 2 weeks and applying it to their settlement fees instead of to the accounts they settled on my behalf. AND - no one can tell me where the {$100.00} payment made to XXXX XXXX in XX/XX/XXXX is now! I have been financially XXXX by FDR and lied to repeatedly! I informed them I would be reporting them to CFPD as well as the XXXX. They promptly terminated my contract with them without notice. I had almost {$1100.00} in my dedicated account XXXX XXXX XXXX XXXX at the time. They deducted all but {$190.00} from that account for settlement fees on the 2 accounts they did not settled and finalize or even make payments to! Now I am left to try and negotiate with these 2 creditors on my own and avoid new judgements and garnishments. It has also caused me to not be able to proceed with my mortgage application. Freedom Debt Relief are CROOKS!!!
07/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
  • LA
  • 70068
Web
I began a debt settlement program with Freedom Debt Relief ( FDR ) in XXXX of XXXX. I have settled several debts since joining this program. However those settlements have come with heavy prices : extra fees, hits to your credit score, lost of bargaining power. I have recently gotten down to my last creditor and realized that I wanted to escalate the process and pay this account off early. Well isnt that the purpose of getting into this program? I soon found that it is not really their intentions. On XX/XX/XXXX, I spoke with XXXX XXXX, and removed one of the final creditors because I realized that FDR was extending payments too far beyond what I was capable of handling. This extension would have cost me an unreal amount of extra fees. Also The company that they had listed as the creditor I had never heard of before. This made me uneasy, so I deleted this account from the program. I also advised him that I wanted to escalate the program and pay off the one remaining creditor. He advised me to wait a couple of days and call back. This left me with one creditor, according to the pay schedule, there were only 6 payments left and the amount remaining in my saved account was enough to cover the balance. On XX/XX/XXXX I accounted FDR, speaking with XXXX. When I advised her of my desires to accelerate the program she advised me that they had already started the acceleration review process. Subsequently, on XXXX CST, ( XXXX XXXX and on XXXX @ XXXX CST XXXX XXXX XXXX I spoke with these reps of FDR who advised that attempts were made to contact the creditor but were unsuccessful. I was transferred to XXXX, on XXXX at XXXX. She advised me that they were contacting the original attorneys office XXXX XXXX, XXXX and XXXX XXXX and had to wait to hear from them before proceeding. Upon disconnecting the call with FDR I, myself, contacted the creditor and advised them of what I was told by FDR. XXXX XXXX XXXX ( XXXX XXXX XXXX advised she spoke ( via email ) with attorney ( XXXX XXXX XXXX who advised there were no attempts by FDR to contact her. XXXX XXXX stated she advised the attorney to contact FDR. On XX/XX/XXXX I spoke with XXXX at FDR. She advised that according to their records I had a sufficient amount in my account to satisfy the remaining creditor. I also expressed that I did not want them to deduct another full amount ( {$570.00} XXXX from my account. XXXX reduced the payment to {$25.00} and advised the completion of my account should be done within 3 to 5 days. On XX/XX/XXXX @ XXXX I spoke with XXXX at FDR, she advised me that my account was {$300.00} short and this amount need to be paid before account was closed. I expressed to her about my previous conversation with XXXX. atr the point XXXX placed me on a 15 minute hold to " verify the account ''. when she returned she told me to disregard the previous quoted amount XXXX {$320.00} ) and that FDR would contact me on XXXX with the information need to satisfy and close my account. On XXXX XXXX, after realizing the business day was ending and not having heard from FDR I contacted them. I spoke with XXXX @ XXXX XXXX who advised they were waiting to hear from XXXX about the amount needed to satisfy my last creditor. When I voiced my frustration and all the stalling tactics, he offered no recourse, other than to wait to hear from FDR. I immediately contacted XXXX, myself, speaking with XXXX @ XXXX XXXX. XXXX referred me to XXXX ( who was on break ) urging me to leave a voice message, which I did. After not receiving a call back I again telephoned XXXX, again speaking with XXXX. He advised me that he emailed XXXX XXXX XXXX and XXXX XXXX who were my legal team. he advised that I would have to wait to hear from them. At this point My only goal is to pay of this creditor so that I can sever myself from this awful company. There are so many arms to collecting unnecessary fees that you ae not realizing you are paying twice what you can have negotiated for yourself. I will truly never ever recommend this company.
03/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • 95121
Web
Dear sir or madam : Last year the SBA approved me for a loan for my small business. It was $ XXXX. I used that money to pay for business expenses. I was already having a difficult time but found freedom debt relief as a money saving alternative for myself and the mother of my son- we were promised a {$10000.00} savings of our combined {$28000.00} debt.On their webpage they advertise 15-35 % settlement of debt but the reality is the confuse and mislead, cheat and extort hardworking citizens who dont take advantage of the system. All together they have drafted from my bank account almost {$21000.00} and insist on more while the debt is still mostly there. Please go into my account at FREEDOM DEBT RELIEF DASHBOARD AND LOG IN. XXXX XXXX # XXXX I find out that at least 2 of my bank creditors written off the debt but XXXX XXXX AND XXXX, debt consultants have charged me 60 % of the inflated debt amount after late fees, office fees. And then I get hot with their settlement fees which equates to thousands of dollars. I also find that they bait and switch fees around and then charge 3-4 times over the course of months. As I told the FTC last month, I lost everything and almost committed XXXX. I dont have much money and then I find out I dont have a family either. All at the same time and the worst part is that my eldest son only passed away 2 years ago Dear sir or madam : Last year the SBA approved me for a loan for my small business. It was $ XXXX. I used that money to pay for business expenses. I was already having a difficult time but found freedom debt relief as a money saving alternative for myself and the mother of my son- we were promised a {$10000.00} savings of our combined {$28000.00} debt.On their webpage they advertise 15-35 % settlement of debt but the reality is the confuse and mislead, cheat and extort hardworking citizens who dont take advantage of the system. All together they have drafted from my bank account almost {$21000.00} and insist on more while the debt is still mostly there. Please go into my account at FREEDOM DEBT RELIEF DASHBOARD AND LOG IN. XXXX XXXX # XXXX I find out that at least 2 of my bank creditors written off the debt but XXXX XXXX AND XXXX, debt consultants have charged me 60 % of the inflated debt amount after late fees, office fees. And then I get hot with their settlement fees which equates to thousands of dollars. I also find that they bait and switch fees around and then charge 3-4 times over the course of months. As I told the FTC last month, I lost everything and almost committed XXXX. I dont have much money and then I find out I dont have a family either. All at the same time and the worst part is that my eldest son only passed away 2 years ago. .I asked them several times to refund my money because the social security number which they requested I upload to them was inputted wrong from the beginning. Instead they have been trying to draft money from me daily which incurs a {$35.00} nsf fee which I know they are doing on purpose. Please help me. I dont have anyone else To turn to. Thank you XXXX XXXX XXXX XXXX XXXX XXXX P.S. XXXX XXXX child support says I owe them thousands of dollars when I was on vacation With my ex and my son. The withheld money from my paychecks and I end up quitting because I was embarrassed made to be like a dead beat dad. All the while I was taking care of all of them and on vacation together. I have pictures and family Members to verify but XXXX XXXX county child support services wont accept that kind of proof that their dept needs to void what I owe which was handed out by them, and to her. 2 parties cant support the same individual was what I was told as I kept doing what I had been doing for the last 4 years. And that is taking care of business We live in a great and proud country. I worked 100 hour weeks all that time. This is an outrage! And now child support has me in collections as a LOAN??? Authorized by whom??
04/03/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • MA
  • 015XX
Web
Well, this is the SECOND complaints I have submitted a complaint on XX/XX/XXXX and I heard NOTHING from them. They must have known and hoped that I would forget about them. I've been waiting and waiting to hear from them ( no phone call or email or mail ) XX/XX/XXXX and today is XX/XX/XXXX, it's been 63 days already and you have responded that you are still on my issue on XX/XX/XXXX, that doesn't surprise me it's just another lie AGAIN ( good job, huh? ) because you keep lying to me a lot before and during I was enrolled in your program. Knock, knock, hello, hello?! This is all about Freedom Debt Relief. Before I enrolled into the scam program, Ive spoken with XXXX XXXX ( certified Debt Consultant ) via the phone on XX/XX/2017. He tried too hard convincing me to enroll into the program. I never forget what he said to me that I could buy a house with a better credit score after they negotiate and settle with my creditors first. What he told me was all lies. He NEVER explained to me in details such as settlement fees ( very high rate fees ) and my other great credit cards that dont work with FDR those creditors would reduce my original credit limit and even closed my account immediately without a warning - he pushed me to join FDR while we talked on the phone, when I decided to join the program, he told me not to read the agreement that I had to sign up all my initial name and my signature on the agreement. I've received few emails from him XXXX XXXX. his email is XXXX ad his phone number is XXXX. He told me I had to change my contact information with my creditors ( I don't like the idea of changing my contact information ) so I changed them to their company which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and phone # XXXX. I paid {$340.00} per month ( {$170.00} bi-weekly ). Ive called three different FDR representatives, they told me complete different stories with all different answers and details that I never heard before enrolling the program. My creditors endlessly bothered and called me through my smartphone and at my home and my parents phone number and my workplace - ( XXXX called at my workplace like 10 times per day! ) - ( they will find a way to contact me in an odd way ) strangely enough, FDR kept telling me to ignore all of their calls are you kidding me?! I learned that my credits XXXX and XXXX XXXX arent allowed to be negotiating and settling. That's why XXXX kept calling me trying to tell me to ignore Freedom Debt Relief because XXXX would never work with them. Oddly, FDR told me they would help me eliminate debts with XXXX and XXXX XXXX? If FDR knew about this, why would they put me at risk? That means they dont care about me. On XX/XX/2017, FDR had negotiated with one of my creditors which was XXXX XXXX XXXX settled for {$800.00} but i had no idea about them FDR charging me over {$600.00} for their settlement fee. Not only that, FDR never made a payment to XXXX XXXX XXXX because I had no clue what XXXX and FDR have been talking about having a settlement without having me involved discussing with two of them. I paid XXXX XXXX XXXX out of my pocket ( nothing from FDR ) I have two credit cards from XXXX, one of them wasn't working with FDR which was XXXX XXXX under XXXX, XXXX immediately closed my XXXX XXXX XXXX credit card without a warning, and also XXXX left me chargeoff via my credit report ( I didnt know about charge off for almost a year I was never informed by FDR about this charge-off and FDR didnt pay immediately to my creditor XXXX after agreeing with settlement and negotiation I don't know what they were doing with my money that I paid them monthly as they kept my settlement fee so I cancelled the program with FDR in XX/XX/2017 and i received less than {$200.00} refund from them. My credit score used to be XXXX and it has been dropping over 200 points. FDR made me to lie and made me feel like I'm a criminal.
06/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • OH
  • 43204
Web
On XX/XX/XXXX I enrolled in a debt relief program with Freedom Debt Relief ( FDR ) to help me resolve a debt for a XXXX private student loan. FDR successfully negotiated a settlement amount of {$16000.00} with XXXX on XX/XX/XXXX. One payment of {$1300.00} and 11 payments of {$1300.00}. FDR set up a special purpose account for me to pay a pre-negotiated amount per the debt. I paid every penny owed to XXXX through FDR, as well as paying FDRs settlement fee of {$5600.00}. Per the settlement agreement, FDR called in the monthly payments to XXXX on the XXXX of each month on my behalf. The second to last payment due to XXXX on XX/XX/XXXX was claimed to have never been received. FDR maintained a payment was made and XXXX misplaced it. I contacted both companies in XXXX and XX/XX/XXXX to try to figure this out. FDR originally stated that the wrong account number was given with the payment, so the payment was rejected. However they called it back it with the correct account number so the payment was fulfilled. XXXX stated they payment was rejected due the account number, but never received they payment again. Naturally, since the payment was never received to Navient- the settlement was voided. XXXX now wants the remaining loan balance along with accumulated fees. Over the past three years I have repeatedly called both companies trying to figure what to do as both companies blame each other. The missing payment due to close out my settlement was lost in one of the companies systems for two years. FDR re-deposited the missing payment of {$1300.00} into my special purpose account on XXXX, XXXX XXXX, nearly 26 months after the payment was supposed to have been made and never notified me to discuss it. I promptly contacted FDR and they said they were going to yet again research my case and get back with me. They never did. I contacted my attorney to review the situation. He instructed me to send FDR a certified letter stating the situation and to ask FDR to explain how they planned to resolve the mistake. The letter was sent on XX/XX/XXXX, with a respond by date of XX/XX/XXXX. They never responded back to me. I yet again contacted FDR on XX/XX/XXXX to have my case escalated. I spoke to a member of FDR 's " management '' team who took on my case and hopefully resolve the mistake. She has yet to return my calls or emails since the original day we spoke on XX/XX/XXXX. I reached out to XXXX to request an updated account balance letter per the request of FDR. I explained the entire situation to the XXXX debt collector handling my account. The account manager has been extremely understanding and really helpful. The XXXX account manager and myself have been in contact on multiple occasions. The FDR person has not spoken to the XXXX account manager as well. Despite me providing his information and him calling her to discuss the account. The XXXX account manager was the person who suggested I file a complaint with CFPB. I wanted to give FDR an opportunity to right their wrong before doing that, even though you would think three years should have been enough. FDR has promised me on so many occasions over the past three years that they will research my account and get it resolved- yet they do nothing except leave me exactly where I started before I hired them. In debt. Ive paid for my debt and Im still paying for it in the form of my credit being negatively impacted and owing money that should have been dismissed per the settlement. All due to the negligence of Freedom Debt Relief. I was unable to be on the mortgage for the house my husband and I purchased last year due to the XXXX account. I leased a car a few months ago and my interest rate was impacted by this XXXX account. Most recently I was turned down for a small loan and the company stated it was specifically because of the XXXX debt.
01/14/2020 No
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • NY
  • 14225
Web
On XX/XX/XXXX I signed on with Freedom Debt Relief. I placed 6 accounts with them. Once I did this I was told they would take over from there and ALL " correspondence '' would go through them. I was promised they would negotiate my debt in half. I continued to be harrassed incessantly by these companies and my credit rating TANKED! Bottom line is they only took care of 2 measley accounts that I actually could have paid on my own. My payments to FDR was {$870.00} a month which I really couldn't afford but thought was my only option. Detailed below are the accounts I placed and the outcome. -XXXX XXXX - {$860.00} - negotiated down to half of what I owed. Paid by the funds deposited in my FDR account. -XXXX - {$2400.00} - negotiated down to half of what I owed. Paid by the funds deposited in my FDR account. -XXXX XXXX - {$2200.00} - I received a reasonable offer in the mail and forwarded this offer to FDR. NO ACTION TAKEN BY FDR. I called them I told them I wanted to take this offer and had them pay this out of my account. -XXXX - {$9800.00} - Received a VERY reasonable offer and forwarded this to FDR . Months passed and the did not respond. I withdrew this account and the funds from my FDR account and paid this off myself. -XXXX - {$29000.00} - NO NEGOTIATIONS MADE ON MY BEHALF BY FDR !!! Received a summons in the mail that a judgment would me made against me if I didn't respond! Sent this over to FDR & the legal department at XXXX XXXX XXXX who sent it over to XXXX XXXX XXXX ( XXXX XXXX XXXX respresented me ). As far as I know, they answered the summons and came back with a payment of {$740.00} a month until this is paid off. I have 18 more payments to go. Yes ... I signed this agreement because I did NOT want a judgment but again, FDR was supposed to negotiate this down to HALF. XXXX XXXX XXXX ( legal fees I had to pay extra for ) just answered the summons and told me what I had to pay. They claim that XXXX came back with some offers but they were unreasonable. I simply did not have the funds. Bottom line ... I turned to Freedom Debt Relief because after 19 years with my company, I was out of a job and out of work for a while and my debt was out of control. The debt is something I take full responsibility for! Freedom Debt Reilief basically told me they were the anwer to my prayers! Now I'm stuck with a payment of {$740.00} a month which has caused a MAJOR financial hardship! I tried everything to get this reduced! I reached out to Freedom Debt relief who told me I had to reach out to XXXX XXXX XXXX who said this case is closed because I signed the agreement. I reached out to XXXX XXXX XXXX ( XXXX placed the account with them ) to see if they could reach out to XXXX to see if they would lower the payments to {$500.00} a month. They claimed they did but XXXX said " No ''. I'm sure they never even called them. I called XXXX directly and they said because the account was placed with XXXX XXXX XXXX I would have to go through them. I'M DESPERATE!!! Every month I have at least {$100.00} in NSF fees because I just don't make enough in a week after medical benefits, mortgage, taxes, car and insurance payments. I have to take back recyclables just to have money for gas. I withdrew my XXXX account from FDR on XX/XX/XXXX so that I could pay XXXX XXXX XXXX directly. This saved me from paying FDR an additional {$30.00} a month just to send the money over to XXXX XXXX XXXX. You're my last hope! I'm not sure what I can do legally to get some relief. The thought of going another 18 months, paying {$740.00} a month, brings such depair! You're help would be MOST APPRECIATED! Thank you! P.S. Please advise if you need copies of any documents and I will happy to get those right over to you!
10/05/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 14075
Web
I started using Freedom Debt relief to help me settle my debt in XX/XX/2019. Since that time I have paid a total of {$7200.00} which includes 2 separate settlement fees, and only one settlement has been settled thus far. It was my understanding that I had completely settled and paid off one debt and settled on another and am making payments on that. A few months ago I realized that the settlement that I thought was completely paid off ( including all fees to the company ) never was closed and was still showing as active. When I called to question this they said that they weren't sure what happened and they didn't have an answer for me at that time. At this point it was showing that I had {$0.00} in my dedicated account so I questioned where the money had gone if the debt wasn't paid off or even settled on. After talking with several people someone finally said that they believe that the company that they settled with sold my debt off after receiving the full payment for the debt. When I questioned how this could happen they suggested that I call the company because they weren't sure where the account was sold to or where the funds they sent were XXXX Amount paid {$3400.00} XXXX. I then called the company and they stated that they never received the payments but did give me the name of the collection agency where the account was sold. I called back Freedom Debt Relief and notified them of this and they said I could reach out to the collections agency and see what the total was for and try and get some more information on it. I called the collection agency and they stated the amount and date that the account was sold to them and I asked if they would settle for the same amount that I had thought I already settled for and paid off in full and they agreed. I then called Freedom Debt Relief and told them I wanted access to my funds so that I could settle with the company myself because I had already paid the full amount and the account should have been closed. The representative that I spoke with said she would reach out to management and see if she could get my funds released to me so that I could make the settlement myself. When i asked if I would be refunded the {$1400.00} that was paid in settlement fees she stated that it would not be refunded because they had negotiated for me and already settled ( even though clearly they hadn't XXXX. She then said she would call me back to see if it would be approved for me to get the funds that I had already paid so that I could settle myself with the collection agency. I never heard back from the woman. At a later date I called back to get some answers as to where the money I had already paid went and why that account still was not settled and they stated that they had to start the whole negotiating process again with the collection agency. I asked where all the funds were that I had already paid because only some were credited back to my account. I was missing {$780.00} to my knowledge. They said one of the payments was sent to the original company and was credited to the account. After reiterating that the numbers were still not adding up for how much I had paid thus far and how much was in my account I demanded that someone go through the account and explain where the missing money was. After the representative went through all statements he agreed that there was definitely money missing and said there was also other information missing. This is the third time I have called and talked with someone about this issue. I've been told every time that this was going to be tiered up to management and I should be contacted with a resolution. This clearly did not happen. I really need some guidance as to what I should do next.
03/23/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • MI
  • 48420
Web Servicemember
Subject : Loan Confirmation Loan Approval : - # XXXX Loan Amount : - {$1000.00} Number of Instalment : 12 Monthly Payments : - {$84.00} Thanks and Regards : XXXX XXXX LOAN PROCESSING XXXX ( XXXX ) XXXX TERMS AND CONDITIONS : Any use of our services at FreedomPlus Loans is governed by following terms and conditions. Read the following carefully before you avail any of our services. The content published in the mail is owned by FreedomplusLoans. You can use it for personal purposes only. Copying of content or republishing it for commercial purposes is strictly prohibited. The content is for general information only. 1. The customer needs to be a citizen of the US, have an active bank account and earn steady income every month you will be considered as eligible to avail our loan services. 2. The customer can avail an amount ranging up to {$7500.00} to {$40000.00} as loan. 3. The customer has to call us back as soon as they receive this email. PREPAYMENT : You may prepay this agreement in full or in part at any time without penalty. Earned finance charges are determined by applying the annual percentage rate to the unpaid balance of the amount financed for the actual time those balances were unpaid. You are not obligated to pay the unearned portion of the disclosed XXXX XXXX. DEFAULT : A customer shall be in default under this Agreement when the payment remains unpaid for more than 40 days after its scheduled or deferred due date, or if the customer fails to comply with any of the terms of this Agreement if the failure materially impairs the condition, value or protection of or the Lenders right to the collateral or materially impairs the customers ability to pay the obligation due under this Agreement LENDERS RIGHTS IN THE EVENT OF DEFAULT : In the event of default, and if you have the right to cure the default pursuant to sec. 425.105, you fail to cure the default within 15 days after you are given notice of the default, the lender may declare the whole outstanding balance due under this agreement payable at once and proceed to collect it, including commencing legal action. TIME : It is essential that you make your payment on time REPAYMENT GUARANTEE : I understand and agree, that all shares, interest and deposit with Freedom plus Loans and owned by me are hereby pledged individually or/and severally as security for the said loan on such part of it as may be granted. In the case of default by me, the treasurer is hereby authorized to deduct any balance, interest and cost pertaining to the above mentioned loan from the security hereby pledged. Should the loan not be granted this guarantee automatically becomes null. LOAN AMOUNT BREAKUP : Number of Instalment 12 Monthly Payments {$84.00} Loan Amount {$1000.00} Data Protection Act 1998 : Your personal information will be treated as confidential and only disclosed ; A, At Your Request. B, to prevent Fraud or by the order of the courts. You are entitled to a copy of the information we hold about you by writing to us and requesting it. There is a fee for the service hereby declares that the foregoing particulars are true to the best of my knowledge and belief and Agreed to abide by the By-laws of society conditions and terms of the loan policy and variations by the credit XXXX as XXXX. I hereby authorize the necessary deduction to be made from my XXXX XXXX Checking Account XXXX as repayment of the loan. Note : The loan funds will be available into your account within XXXX minutes as soon as you complete the XXXX XXXX process. XXXX XXXX XXXX Servicing TELEPHONE : ( XXXX ) XXXX SIGNATURE : ________________________ _________________________
12/04/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • VA
  • 23860
Web
I enrolled in debt settlement offered by Freedom Debt relief. They told me to stop making payments to all creditors bc all negotiations moving forward will come from them. They mentioned that they have a great relationship with all of the creditors on my credit and will be able to settle all of my debt and I will be debt free in 3 years. What truly impressed me was they said they do not pay themselves until all the debt has been settled in its entirety and a plan of payment for all of the accounts as a whole has been set up at which time they will pay them from the 9 months of payments I made to them in the amount of {$960.00} monthly. When I missed my first payment to the creditors I received countless calls from them and was able to settle many of the accounts and I relayed the information to them and they said they will reach out to the creditors but advised me that if I could make a list and continue to reach out to certain creditors bc they were not familiar with certain creditors ( which contradicts what they originally told me that they were familiar with all of the creditors on my credit report ) I felt as if I was doing their job for them. They mentioned that they were working around the clock in resolving my problem with the creditors but when I spoke with several of the creditors they said they had not been contacted by Freedom but Freedom was very specific to me about which creditors they had reached out to and or contacted which was a lie when after verifying with the creditors who mentioned it wouldv been notated on my account with them. After months of paying this money I reached a verbal arrangement with one of the creditors on my report and mentioned the particulars to freedom and they approved it and paid themselves almost {$2000.00} of my money for a claim that I settled and I didnt feel it was right so I argued it and they lied and said they were already working on the settlement with the company. At that point I requested not to accept the settlement bc I felt freedom was stealing my money for work they did not perform. Further I asked to have all of my money reimbursed to me and they stated they would not bc their workers worked the settlement. We could not reach an agreement so I told them I couldnt keep paying for services I wasnt receiving and this situation completely ruined my credit. I have over 28 accounts reporting delinquent bc of them and many of the accounts were immediately placed into collections. My bank account was hit wit a garnishment as well as a lien. Ive been sued by numerous of the creditors where the judge ruled in their favor regardless of how misleading and dishonest Freedom Debt Relief was with me which lead to my becoming severely delinquent with the creditors. Had Freedom debt relief been upfront and honest about their ability to settle my debts and if they wouldve honestly performed the work that they promised and advertised to me then I wouldnt be in this situation as I was not delinquent or late on any creditor account when I reached out to Freedom. I reached out to them bc I needed to lower my debt to income so that I could secure a building loan for my nonprofit business that assist hungry and homeless families and according to Freedom this was something they have done for millions of customers successfully before me. I feel that they should be held accountable for the damage they caused to my life and my credit. Because if this ordeal I have lost my home that I purchased 2 years prior, ruin my credit, and am tied into so much legal collections that has caused me severe XXXX and XXXX. Please can you guy help me?
11/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • MD
  • 207XX
Web
I am current under an agreement with Freedom Debt Relief. I currently pay {$1000.00} a month to my dedicated account. As of XX/XX/XXXX I have {$6800.00}. in my account. I currently have 4 agreements in place : XXXX XXXX XXXXXXXX - Current balance {$8700.00}. Monthly payment {$870.00} - Last payment is expected to be made in XX/XX/XXXX. XXXX - Current balance {$1000.00}. Monthly payment {$350.00}. - Last payment is expected to be made XX/XX/XXXX. XXXX - Current balance {$770.00} - Last payment is expected to be made XX/XX/XXXX XXXXXXXX XXXX - Current balance {$1000.00} - Last payment is expected to be made XX/XX/XXXX. I have deposited over {$42000.00} since I began the program in XXXX and paid thousands of dollars in settlement and monthly fees. In currently pay {$45.00} in fees monthly. I have called at least 4 times in the last several months regarding the way my account is being handled and in my opinion, mismanaged. I have asked that the three smaller accounts be paid in full ( Total of {$2800.00} ) to allow me to focus on the one remaining account. I have the funding available. That would save me in fees to include canceling the {$12.00} per month for litigation support since all of my accounts are in agreement and /or paid. During the last 3 calls I have been told various things. The last call i was told that a request had been sent to my creditors regarding the current agreements and to request approval to pay each off. The FDR representative stated I had to be patient as it takes time for them to hear back. I was also told that sometimes creditors don't agree to a pay off. ( As if XXXX or XXXX would prefer the {$5.00} per month for two years instead of a single pay off amount. Ridiculous ). Today, XX/XX/XXXX, I called to check the status of the request. This time I was told that unless i can pay off all 4 accounts at once, FDR can not do anything with my account. I was told if I deposited an extra $ 5K+ in my account they would be able to possibly pay off all of the accounts at once, which is a requirement. This is 100 percent opposite of what i have been told the last several times. I asked for a supervisor or someone who could assist and none were available. I was told this information was confirmed with her supervisor XXXX XXXX ( a gentleman ) though. I feel my account since I am near the end of the plan is being mismanaged. I feel I am deliberately being held in the program longer than required so FDR can collect additional fees from me. In all honesty the XXXX account was barely reduced from my original debt and the fees I was charged from FDR certainly made any savings on that debt minimal at best. At that time i had over 9K in my account where if XXXX had reduced my debt by the percentage alluded to by FDR, I would be out of the program even sooner. I feel this negotiation was purposely mislead and not handled in a manner that was most beneficial to me, the client. I have only asked for my three outstanding agreements to be paid off so my monthly fees are reduced and i will continue paying a monthly amount which will cover the XXXX costs. ( This would give me the opportunity to reduce my monthly payment to {$900.00} ). I would also like any of my remaining funds i have paid in after the 3 accounts have been paid, returned to me ( estimated minimum of $ XXXX ). I have never missed a payment to FDR and have stretched my monthly budget very thin to get out of debt. I am being mislead and my money is being mismanaged. I truly would appreciate any advice, guidance, and support you can give me in this matter. XXXX
06/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NY
  • 13820
Web
Hello, my name is XXXX XXXX XXXX. I am involved in a debt resolution program with the company freedom debt relief of which I have been resolving my unpaid debts with for over a year now. Some accounts have been resolved but in the process, a specific issue arose with the account owed to XXXX XXXX XXXX XXXX. This debt had not yet begun resolution durring the program with freedom debt relief but was in their words placed on a strategic hold while they negotiate other accounts. During that hold, XXXX XXXX XXXX XXXX handed over my debt to be collected by a law firm XXXX XXXX and XXXXthey had sent me mail informing an attempt to collect the debt and I uploaded all documents with freedom debt relief as I received them. Eventually reilman XXXX and XXXX called me on the phone around the week of XX/XX/XXXX and informed me that they would soon be forced to submit a judgment if no action was taken. I told them I was working with a company helping me to resolve these issues and would contact them so that way something could be done. At which point I immediately called freedom debt relief and had conversations that they have confirmed have been recorded in which I was advised by their representatives after informing them of the issue and my wishes to avoid having a judgment submitted against me, they informed me that if I deposited XXXX dollars extra into my account with freedom debt relief that they would be able to have the funds needed to begin to negotiate with XXXX XXXX and XXXX. This number was told to me by one of their reps and as I had just received my tax return and had such funds, I agreed over the phone to make a XXXX time deposit on the basis that the deposit would be used and appropriated for negotiation with XXXX XXXX and XXXX. After the deposit cleared, I suddenly was asked to accept settlements with other accounts being resolved ( XXXX XXXX accounts ) and the freedom debt relief reps advised me to decline these settlements as I was looking to use those now additional funds to negotiate with the legal account ( reilman XXXX and XXXX ) as it was a priority and to decline negations with the XXXX XXXX accounts as to ensure those funds would be appropriated towards the legal account first and foremost. I declined these offers as advised Over time, XXXX XXXX and XXXX were never contacted and they proceeded to submit the jumdent against me and file a law suit against me for the owed debt. I called freedom debt relief for an explaination and was informed both on the phone and via email that Instead freedom debt relief ended up using XXXX dollars of the XXXX dollars I deposited to pay freedom debt reliefs own companys fees as the company takes any extra money in the account to pay off their fees on each settlement first and foremost. I was never informed of those funds being used for this and feel my funds were misappropriated for the companys own advantage. I have contacted them on multiple occasions and tried to resolve the issue and representives from the complaint department have informed me that whats done is done and there is nothing they can do, but fully admit a mistake was made on their behalf. I now have legal trouble that I feel I could have possibly avoided, as I used funds I could have possibly used on my own accord to help avoid the situation with XXXX XXXX and XXXX XXXX, and feel that Freedom debt relief relief has led me astray and tricked me into putting myself into further disadvantage
02/06/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 18045
Web
XX/XX/XXXX enrolled in Freedom Debt Relief program. XX/XX/XXXX program began. XXXX ACCOUNT # XXXX ( XXXX ) In XXXX XXXX I approved a settlement for XXXX # XXXX for {$5200.00} ( Balance was {$10000.00} ) however the funds were paid to XXXX XXXX XXXX not XXXX XXXX XXXX who was handling the collection the balance they reflect is {$11000.00}. XX/XX/XXXX I spoke to XXXX to inquire why my XXXX account was showing up in my FDR account status as Upcoming-Account not Ready whereas this account was settled on XX/XX/XXXX. XXXX escalated the discrepancy but suggested I obtain a paid in full letter from XXXX XXXX XXXX. I attempted to reach out to XXXX continuously the line was always a continue busy signal and FDR could not provide any other number nor could I find one. XXXX XXXX I was notified via mail from Freedom Debt the {$5200.00} was deposited back to my FDR dedicated account due to a Data Breech caused by a FDR employee and a third party. XX/XX/XXXX I applied to refinance my XXXX XXXX, NJ XXXX XXXX only to find out the XXXX Account was reflected on my credit report as charge off with a balance of {$11000.00} this caused me to not be able to move forward with the refinance until I am able to have the charge off reflect {$0.00}. XX/XX/XXXX I reached out to FDR XXXX XXXX assisted me to again escalate the XXXX account it was turned over to XXXX XXXX XXXX to resolve on my behalf. XX/XX/XXXX my husband and I were required to e-sign a POA for XXXX XXXX XXXX to act on our behalf to address the XXXX open account issue. I was contacted by XXXX of FDR who advised me that XXXX XXXX XXXX advised FREEDOM DEBT that XXXX was no longer collecting on the account as it was too old and it was charged of XX/XX/XXXX which is 14 months after the date I approved the settlement on XXXX # XXXX which was paid to XXXX fraudulently. My concern was does the XXXX account now come off my credit report and I was advised I should wait a few months 90 days for it to come off the report and if not call XXXX directly. I checked my credit report on XX/XX/XXXX only to find out XXXX Acct XXXX was still reflected as charge off with the balance of {$11000.00}. When I contacted XXXX XXXX I was advised the account was too old to collect on it was charged off XX/XX/XXXX and just because it was charged off doesnt mean they will report it as a XXXX balance unless its paid. I explained as far as I knew in XX/XX/XXXX it was settled and explained the entire fraud issue. All she could advise was if I wanted a XXXX balance to be reflected I had to pay it. Two addresses to send payment XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX Attn : Payment Dept. Or over night XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX, KY XXXX Reference my name ; last 4 of SS # and Acct # XXXX. She advised there could be no negotiation for a lower amount it exceeded the statue of limitation and even if I did not have FDR remove this account from my program they would not be able to negotiate because it exceeded the Statue of Limitation. So because this account was part of a data breech this caused the XXXX Account to no longer be able to be negotiated and FDR never acted further on the account to resolve it even though it was part of the data breech all they did was deposit the amount of the funds they paid out to XXXX back into my FRD dedicated account.
01/14/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MA
  • 015XX
Web
This is all about Freedom Debt Relief. Before I enrolled into the scam program, Ive spoken with XXXX XXXX ( certified Debt Consultant ) via the phone on XX/XX/2017. He tried too hard convincing me to enroll into the program. I never forget what he said to me that I could buy a house with a better credit score after they negotiate and settle with my creditors first. What he told me was all lies. He NEVER explained to me in details such as settlement fees ( very high rate fees ) and my other great credit cards that dont work with FDR those creditors would reduce my original credit limit and even closed my account immediately without a warning - he pushed me to join FDR while we talked on the phone, when I decided to join the program, he told me not to read the agreement that I had to sign up all my initial name and my signature on the agreement. I've received few emails from him XXXX XXXX. his email is XXXX ad his phone number is XXXX. He told me I had to change my contact information with my creditors ( I don't like the idea of changing my contact information ) so I changed them to their company which was XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, AZ XXXX and phone # XXXX. I paid {$340.00} per month ( {$170.00} bi-weekly ). Ive called three different FDR representatives, they told me complete different stories with all different answers and details that I never heard before enrolling the program. My creditors endlessly bothered and called me through my smartphone and at my home and my parents phone number and my workplace - ( XXXX called at my workplace like 10 times per day! ) - ( they will find a way to contact me in an odd way ) strangely enough, FDR kept telling me to ignore all of their calls are you kidding me?! I learned that my credits XXXX and XXXX XXXX arent allowed to be negotiating and settling. That's why XXXX kept calling me trying to tell me to ignore Freedom Debt Relief because XXXX would never work with them. Oddly, FDR told me they would help me eliminate debts with XXXX and XXXX XXXX? If FDR knew about this, why would they put me at risk? That means they dont care about me. FDR had negotiated with one of my creditors which was XXXX XXXXXXXX XXXX settled for {$800.00} but i had no idea about them FDR charging me over {$600.00} for their settlement fee. Not only that, FDR never made a payment to XXXX XXXX XXXX because I had no clue what XXXX and FDR have been talking about having a settlement without having me involved discussing with two of them. I paid XXXX XXXX XXXX out of my pocket ( nothing from FDR ) I have two credit cards from XXXX, one of them wasn't working with FDR which was XXXX XXXX under XXXX, XXXX immediately closed my XXXX XXXX XXXX credit card without a warning, and also XXXX left me chargeoff via my credit report ( I didnt know about charge off for almost a year I was never informed by FDR about this charge-off and FDR didnt pay immediately to my creditor XXXX after agreeing with settlement and negotiation I don't know what they were doing with my money that I paid them monthly as they kept my settlement fee so I cancelled the program with FDR in XX/XX/2017 and i received less than {$200.00} refund from them. My credit score used to be XXXX and it has been dropping over 200 points. FDR made me to lie and made me feel like I'm a criminal.
06/27/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NY
  • 119XX
Web
In regards to CFPB v. Freedom Debt Relief , LLC Case No. Case No. 3:17-cv-06484-EDL I was a Freedom Debt Relief { FDR } client since XX/XX/XXXX and paid a total of {$19000.00} into their debt relief program. ( i can provide documentation. ) I am outraged having learned after all this time how wrongfully I have been not only deceived but actually robbed by this company. I literally struggled and sacrificed my blood, sweat and tears for over 2 years to come up with the {$280.00} payment to this company every 2 weeks. I'm not a wealthy man so that is a lot of money for me and difficult to accomplish. But as you can see from the evidence, i did. And when I tell you that's the XXXXXXXX XXXX honest truth, it's the XXXXXXXX XXXX honest truth. With that being said, I'm sure you can imagine the hardship it caused me. This revelation makes me sick to my stomach realizing the extent of work and diligence I provided only to find out it was based a huge scam I was a victim of the whole time. Even though I'm directly affected by this case and completely entitled to the proceeds, I was not told about this suit at all and had no idea of its existence until the date of this writing, XX/XX/XXXX. And not to be blunt, but I don't want to hear the payments stopped in XX/XX/XXXX, because that would be extremely unfair and detrimental towards me especially since the entire case hadn't been disclosed to me whatsoever and I have irrefutable evidence of how I'm the definition of the affected consumer in this situation. Had I not curiously been browsing the Consumer Financial Protection website ; I still wouldn't have known. I was never even informed considering how directly I was a victim of it. All I wanted to do is pay off my debt as honest hard-working guy. Even more so, I just obtained an XXXX credit report dating XX/XX/XXXX ( i can provide documentation ) and I've found that FDR had outright lied about accounts being paid off. As you can see on the display that FDR provides to myself through their website, it shows the debt payments completely paid but then when you look at the XXXX report, they're still listed as bad debt and not paid/settled as FDR led me to believe. That is the definition a fraud/deceptive practices. And my question is this, did they down right steal all the money that was supposed to go towards paying off those accounts??? Because from what it says on the XXXX report, the full balances are reported and delinquent as if FDR didn't even contact, settle and pay them at all! Does this mean they straight up pocketed {$19000.00} of my hard-earned money?? The salesman who pitched the program stated they would only take 6 % of the account balances as a FDR settlement fee. Come to find out it was 26 %. And now not only has the lawsuit stated that they took the fees before settlement, I have concrete evidence of. So as you can see from the information of provided, I rightfully demand every penny I've paid this company ASAP and would appreciate compensation for emotional damages if applicable. Please contact me as soon as possible in regard to it and will be more than happy to help you with anything you may need to expedite and complete the process for restitution being placed in my possession.
05/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • IN
  • 46168
Web
on XX/XX/XXXX XXXX I received my welcome call from Freedom Debt Relief. This was confirming they received all my information and welcoming me with their company. All has been going okay, I will put a little tid bit in that I was not behind in any of my bills I was just drowning with the monthly payments and going through them lowered that tremendously. Anyway at this point I put in Credit Cards and one was a loan through XXXX XXXX. and Freedom advised me not to make any more payments to the accounts I put on file due to they will not negotiate with them if the account is current. So, I stopped making my monthly payments and advised to my creditors that it will be handled through Freedom Debt relief. Most of all the credit card companies closed my accounts and I stopped receiving phone calls including XXXX XXXX. Well on XX/XX/2021 I sent an email to Freedom Debit Relief that I was receiving information from solicitors about a judgement against me? XX/XX/2021 I receive the paperwork from a law officer coming to door that a Judgment has been started between XXXX XXXX and myself. I automatically sent this over to Freedom Debit. I received it appears to be a general email that they would send it over to their legal team and I should receive POA paperwork for them to act on my behalf. I did in fact go to the courts on XX/XX/2021 and submitted a response to the courts that this is going through Freedom Debt Relief along with their address and phone number. Out of the blue I receive an email that with making consistent program deposits I qualify for a loan to pay off my credit with Freedom Debt through their sister company Consolation Plus, then I received a phone call. I advised that I did not want a loan. I was going through the program that Freedom had set up with me. okay, I will move forward I still had not received the POA paperwork they said I would receive until I questioned this. Finally on XX/XX/2021 after several emails and chats I received the POA paperwork I signed this information quickly and returned through DocuSign over the internet. Well now on XX/XX/2021 a Judgement is against me, they did nothing to help me in this situation. Now a bill that started at XXXX is now a Judgement for {$4000.00} against me. In which during a phone conversation one of the representatives said they were going to try and settle for XXXX XXXX Oh Yes they want me to pay them to make the payments. I refused, due to the fact I had been in contact with them since XXXX so this would not go to court. I really feel that Freedom Debt Relief Company is a scam with their fees that they charge you that this whole litigation should not have happened and that Freedom Debt Relief needs to pay any additional fees on this course of action. I know I owe the debt of XXXX but, not the XXXX. I am not sure if their is anything that can be done at this point I have a Judgement against me and I have to pay it, and really feel that Freedom should compensate for the additional fees. I do have the possibility of loosing my job, as to being in the procurement department and if a background check was completed I would be terminated.
06/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • NV
  • 89141
Web
I joined Freedom Debt Relief to consolidate my debt, and have one place to pay and resolve my debt. For two years, {$310.00} was taken directly from my bank account to resolve these debts, twice per month at each pay period equaling about {$630.00} per month. I specifically asked when I joined how XXXX makes their money, and they pointed me to the fee column of the website which indicated about $ XXXX in fees. I decided I could live with that, and moved forward with the program. After a few months I began receiving requests to approve negotiations, which I did but after about a year, I looked into why things had slowed down. I realized that not only were they taking this monthly fee, but they were also taking 20 % of my debt amount as a fee as each resolved. And they were taking 20 % off the total, not 20 % off of what they negotiated down. I was livid. I messaged I called, I sent letters, the whole 9 yards. Nothing. During this time, I had to pivot my energies to a mother with XXXX a sister with XXXX and a demanding job that paid me exponentially more than I had been making when I enrolled in the program. I was able to pay some of these debts 100 % on my own. So I stopped approving debts and paid remaining debtors directly in full just so XXXX could not make their 20 % fee. Finally, in the XXXX of XXXX, I checked into my account again, and only had two accounts left to resolve. They were minimal - XXXX $ XXXX, the other {$900.00}. My " dedicated account '' had well over {$2500.00} in it, enough to pay both debtors in full and walk away from this god-awful program. Once again, I wrote and called and wrote and called requesting they pay the debtors in full without negotiating and stop taking {$630.00} out of my account each month ( {$310.00} each payday ) citing that I'm done with the program, they can easily pay the debtors in full and stop taking money out of my bank account. Well, they won't. This company is stealing over {$600.00} a month from me, amassing over {$5300.00} in my " dedicated account '' when the last two remaining debts that I have asked them over and over again to pay, equals a fraction of that ( {$2200.00} ). It has now been almost a year. The two remaining debts are STILL not resolved. They are minimal, and debts I could pay on my own, but XXXX has {$5300.00} they have taken from me to pay these debtors. I am unable to remove my bank account from the website, and I can not update my bank account to stop them from deducting money from my bank account each pay period. They are STEALING money. If I did what they are doing, I would be in jail. They literally reach into my account twice a month and take {$630.00} and in spite of having enough and being told over and over again to stop, they continue. Further, they have not done the job they were paid handsomely and unknowingly to do. If that's not stealing I don't know what is. I also want to red-flag their fee process- they take a monthly fee plus 20 % of your total debt amount. They did not disclose the latter to me when I specifically asked upon joining.
11/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 210XX
Web Older American
FREEDOM PLUS XXXX XXXX XXXX XXXX XXXX, AZ. XXXX I opened an account with Freedom Plus in XX/XX/2022. In XX/XX/2022 I came down with XXXX XXXX. Since I am self employed I was unable to work and produce any income. I was in communication with Freedom and made them aware of my situation that I was sick with XXXX XXXX and I was in a XXXX XXXX XXXX. I had XXXX XXXX the prior year and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in jeopardy of not being able to make my payment on time. I finally made my payment but it was on the XXXX day. I also had a hold on my deposit due to fraud on my account. Thus my payment was returned. XXXX resubmitted the payment and it was processed. I made my current payment for XXXX a few days later thru a different bank because of the deposit hold and I had the same issue. Within days both payments were processed and my account is current. I was told that my credit report will probably report a thirty ( XXXX ) day late on my credit report. I requested a XXXX time courtesy and not report the late because it would jeopardize my ability to obtain credit when I need it because of my illness. I was told by the representative that I was eligible for a payment deferral for the payment in question and I told her that in all of my conversations with the representatives that NO ONE offered my that option. Then I was told by the representative that they do not charge late fees and I should have read that information in my contract and as far as she saw it that a XXXX XXXX Late would probably be reported. Come to find out I NEVER received any contract or any documentation of the terms of my loan. So it would be impossible for me to be aware of the opportunity to get a payment deferral. Also NO representative in the many conversations I had with them no one offered me that option. I do believe that it is a law to disclose to the consumer which is me, the terms and conditions of my loan. I spoke to another representative and I advised him that I did not and do not have a copy of my loan agreement. He told me that it was too many pages to email and that he would mail me a copy within XXXX business days. My request is that Freedom report on my credit report that I have paid as agreed and DO NOT report the XXXX Day ( XXXX ) late because I was never given the opportunity that was available to me because of information withheld by Freedom that would have been a huge help given my illness It would also be devastating to my ability to obtain credit in the future. Again my account is current and not due again until XX/XX/2022. I would like to thank you in advance for your help and consideration in this matter. This request is for all three major credit reporting agencies. XXXX, XXXX and XXXX XXXX. Report PAID AS AGREED for my account. Given the fact that I was not afforded options available to me and the fact that I was not given a copy of my contract and terms of my loan how can any consumer follow the rules when you are not given the rules or the terms of our agreement. Thank you.
08/20/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • CA
  • 92545
Web Older American
XX/XX/2019 was contacted by a financial advisor from XXXX XXXX XXXX. He said I wasn't qualified for the loan due to high ratios, then he proceeded to solicit service for Freedom Debt Relief. At the time, I was unaware that he was employed by XXXX XXXX. It was very aggressive sale tactic. I informed his I wasn't late with any of my creditors. He told me it would take years (15) to get out of debt and this is a quicker solution. I asked him who would notify the creditors and he said they would. This ended up to be a lie. He did not thoroughly explain how the fees worked. After we enrolled, we had to have the start date at the time of my husband's SSI deposit which is the XXXX of the month. After we made the second deposit. On XX/XX/2019, we received a Settlement Agreement for Rise Loan. The loan was for XXXX, the settlement amount was XXXX. The settlement fee was not listed on the authorize to settle form. It did state that "This settlement and any associated fees are scheduled to be paid over 8 payments." I was taken back when I checked my XX/XX/2019 statement on my dedicated account and it showed my deposits of XXXX, XXXX distributed to Rise and all the remaining funds to fees. I called customer service and was told that all their fees are to be paid up front not as noted on the settlement agreement. On XX/XX/2019 I spoke with customer service to again clarify the interest rate and terms. I told her I was not happy with there service as it causing me more fees from my creditors. After speaking with customer service a week later, I sent a notice in writing that that we were terminating the plan. Customer service requested that I call them and I didn't get notice that we were terminated until XX/XX/2019. At that time, we requested the remaining money in the dedicated account and they informed me that it was all towards their fees due. I questioned why they would be entitled to the XXXX remaining amount and she stated that we owe the full fee charged for the settlement. We feel their business practice is very deceptive and they prey on vulnerable people. This is no different than the payday loan business on steroids. We had 24 accounts listed and by not notifying our creditors that we enrolled in their plan, would leave us open to not only destroyed credit, but being sued. I would have NEVER agreed to NOT having my creditors notified. If I would have known that for each account they were going to take all the fees in front of the creditors, I would NEVER have agreed. Now, we are left with excessive fees, late payment fees, and creditors calling constantly. Words cannot say how dissatisfied I am. I feel scammed and they practice deceptive business practices. Now they tell me out of nearly $900, that most of the money went to them. This is not right! Lastly, I noticed that they were sued and settled in XX/XX/2019. Yet, still their methods of business remain the same and I just became another victim of there scam.
09/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • NM
  • 88220
Web
On XX/XX/2019 I was directed to Freedom Debt Relief after being denied for a debt consolidation loan. I reached out to the company and the program was explained to me. I agreed and signed up for the program, not apparently understanding how the fees worked. In all the documentation I received I was not informed how much of a percentage would be taken during my debt relief program. I payed monthly fees for the account that seemed very reasonable along with a few other fees here and there. I assumed these were the fees for the program not knowing there would be more. Between XX/XX/2019 and today, XX/XX/2019 I had deposited XXXX. On this date I logged in to see the progress of my account and observed a fee of {$4400.00} which completely caught me by surprise as it was almost the exact amount in my account. I immediately called and spoke with a representative who stated that is was a service fee for my settlement and that I agreed to it when I signed my contract I asked to cancel the account immediately and that I did not agree to pay everything that had been saved as a service fee. I was transferred to someone who could cancel my account. I spoke with a XXXX. When I asked to cancel my account and be reimbursed. She stated that this had been agreed upon and I could not receive a refund for the services provided. She continued to state I agreed to the fees and was told this on my welcome phone call. I had to ask over 5 times for her to quit arguing and cancel my service. She finally relented and began cancelling account arguing with me the whole time. While cancelling I asked follow up questions about the fees that were not explained thoroughly to me and she stated that they had just made the first payment on my first settlement that day. This apparently entitled them to all the money in my account keeping me from being reimbursed. I confirmed if I had called one day prior I would have gotten my money back she stated that was correct. The agreed upon payment to my debt collector was for just under {$300.00} a month. So they made one payment of roughly {$300.00} and now get to keep {$4400.00} after I asked to cancel my program due to misleading information. They also canceled the settlement so I do not even get the product for my {$4400.00}. After finding this out I asked to file a complaint, which the person insisted on taking herself. I had to demand more than 5 times that I speak with a supervisor, before she finally connected me for the complaint. The supervisor took my complaint but stated there was not any real follow up that I would receive and that was what I agreed to. All in all I feel like I just lost over {$4500.00} and received nothing in return due to misleading information about the fees. I obviously researched to see if this had happened before and find that they were required to pay for misleading information in the past. Please look into this so no one else has this happen to them.
12/10/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94513
Web
Achieve loan and XXXX XXXX XXXX misrepresented themselves and withheld critical information from me when this contract was extended. Achieve loan be the seller of the contract and XXXX XXXXXXXX XXXX acting as the lender. Achieve did not disclose the contract itself is the collateral that secures payment. Not only did Achieve make money from this transaction but XXXX XXXX XXXX as well being the depository bank. Seeing how this is my security I should legally and lawfully be receiving my share of the investment for my benefit. It is known under federal law that banks are BARRED from loaning money therefore XXXX XXXXXXXX XXXX can not lend anything of value. Neither Achieve Personal Loans or XXXX XXXXXXXX XXXX take into consideration the harm and damages this deception would cost me. ( 9 ) " Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article. As context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement. ( 14 ) " Securities intermediary '' means : ( i ) a clearing corporation ; or ( ii ) a person, including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity. ( 15 ) " Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. ( 16 ) " Security certificate '' means a certificate representing a security. ( 17 ) " Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.
12/23/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NV
  • 89074
Web
I am not quite sure if I chose the best option but I believe this is what best fits my inquiry. I am working with a debt settlement company called Freedom Debt Relief and I am really questioning their practices. From my experience thus far, they seem to not attempt to negotiate any settlements once a Debt gets transferred to a Creditor 's Attorney. They just let those accounts sit there until I get sued and the buck gets passed on to a Litigation service that Freedom Debt Relief provides called XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I pay for separately. My problem is not the fact that FDR does not lift a finger to try and Negotiate a Settlement before the Creditors Attorney sues me, but, the fact that FDR still collects a settlement fee ( which is obviously high ) for doing absolutely nothing with that account. I am investing over {$1200.00} a month into this program and that is too much for accounts to just sit there until they ALL sue me and FDR will collect settlement fees for doing nothing. They claim that once accounts go to a Creditor 's Attorney that they make those accounts their top priority but I really do not see that as I already have been sued and XXXX to care of the settlement. And, now there was another account XXXX XXXX XXXX that has been with their Attorney for about 6 months and now they have sued me as well and it has been passed on to XXXX. Some of the email 's that FDR send to me state that they " Are not Attorney 's and Therefore Can not Offer Advice '' so that tells me that they DO NOT try and do anything with those accounts fallen to a third party. I do not remember this being explained to me when I first enrolled with FDR that they still collect settlement fees when they are not even touching those accounts. I also believe that there are certain creditors that do not negotiate with FDR even though FDR claims that they have worked with these creditors. I will be looking into other options when I speak to an Attorney as this is becoming a waste of time and especially money. I work too hard to pay companies to just sit back and collect fees for doing nothing. They have settled a couple of accounts.. one was a Lawsuit that NLLG handled ( FDR collected XXXX settlement fee for doing nothing ) and one small debt, but, this is irrelevant to all of the money I am investing into this program which is over {$11000.00} thus far. I believe this company is deceitful and is not completely honest about what they can do. And, I know that FDR has had problems in the past with consumer complaints that are very similar to mine. As far as dates, I started with FDR on or around XXXX of 2018 I believe and as far as other dates, I do know when certain payments were collected but I am filing a complaint because I really believe, like I said, that this company is in a certain very deceptive and/or misleading.
01/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NY
  • 11967
Web
I recieved a loan consolidation advertisement from XXXX XXXX XXXX thru the us mail. When I called it turned out to be fredon debt relief. The salesmen took my info and told me that I should stop making payments to the cc companies and instead make monthly payments to a dedicated account. He assured me that fdr would negotiate with the cc companies and I would be debt free XX/XX/2019. I was told that a lawyer was not necessary but if needed I should use XXXX I like an XXXX drank the cool aid. After two of the cc companies were in settlement the third filed a court case against me. When I contacted fdr I was put in contact with a lawyer from XXXX who informed me that I would need to make two balloon payments of {$5000.00} and increase my monthly dedicated account payments by over 50 % for the next 20 months. From what I can tell from their dashboard the reason for the increase in deposits was to pay their fees. When I objected to these terms with a XXXX lawyer I was told to contact fdr. When I contacted fdr I was told to contact XXXX. One of the XXXX lawyers even told me that due to the size of the debt the bank involved will not negotiate with fdr. The lawyer for the bank even called me and said I would need a lawyer. The lawyer for XXXX told me that I needed to sign an agreement, that my only other option was bankruptcy. When I offered to pay at once instead of a structured settlement I was told I would be paying the same amount. I was never made aware of the ramifications associated with signing. I ran into money problems in XX/XX/2019 and was not able to make the second to last payment of the agreement on time. In XX/XX/2019 I contacted XXXX and a lawyer told me I should contact fdr. When I contacted fdr I was under the impression that it would not be a problem. At no time was I told that missing the payment would void the agreement nor was I given any other options on paying. When I called an XXXX lawyer for clarity on the matter he told me to contact fdr and laughed at my perdicement. I am being told that the payment plan was voided after the XXXX payment was skipped yet payments for XXXX & XXXX were processed. The XXXX payment was skipped by fdr so they could collect the last of their fees leaving the account short funds to make the final payment to settle the account. w Every time I emailed fdr on this matter I was pretty much told to call their 800 # to speak to a representative.Unfortunitly thats what got me in trouble in the first place. When I ask about what they have done to settle the account I get no answer. When I ask if they contacted the creditor in XX/XX/2019 concerning a late payment I get no answer. When I ask why I was not alerted to the fact that they were going to collect their fees instead of paying my creditor I get no answerXXXX
02/04/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 954XX
Web Older American
On XX/XX/XXXX I received a solicitation for Freedom Debt Relief, XXXX XXXX who represented himself as a loan officer for the company. After several very long phones calls on how the program worked and after I asked all the right questions, specifically if I would have to pay taxes on the forgiven debt, I decided to proceed with the company. Then I realized that I had been lied to and the program misrepresented to me only after I was too deep into the program to get out. Here are the misrepresentations Mr. XXXX told me. 1 ) Would I have to pay taxes on the forgiven debt? I asked this question numerous times. His response - " I have been doing this for 15 years and no one has ever gotten a 1099 for forgiven debt. He even told me that if anyone at the company or in the welcome call says I may have to, to just ignore it as that is just basic info they have to say and that it is not correct. You will not receive 1099s '' 2 ) Will my accounts go into collection? His response " no, we will have your accounts settles in 2 months, if you get a collection notice let me know and I can stop it ''. 3 ) How long does it take to settle the debt? his response " 2-3 months '' All three " recorded '' responses are misrepresentations of the program and now I have $ 30K plus in unexpected 1099C income. When I I got a collection notice on XXXX XXXX I emailed it to Mr. XXXX and he responded " everything is in working order, all that will be removed, there is no need to worry ''. The only response I got was from their customer service department that said they can't do anything about it. When I gave the company a poor rating on their survey I got a call from and email from XXXX XXXX in their consumer affairs department on XX/XX/XXXX. I described what happened and she said she would listen to the recorded conversations. She called me back a few days later and said the conversations that I said had happened were confirmed and that she had called and talked to Mr. XXXX XXXX Manager about the misrepresentation. But that was it. When I got the unexpected 1099C last month I emailed Mr. XXXX and copied Ms. XXXX only to find out that Mr. XXXX no longer works there and Ms. XXXX never responded to my email. I have asked for the name of the president of the company several times with no response. Unfortunately it is what it is, I have to pay taxes on that forgiven debt but at the very least they should refund me the over {$11000.00} in fees I paid, which I requested in my email that failed to receive a response. I am an intelligent woman and I know I asked all the right questions, but when a company representative out right lies to you what are you suppose to do with that information? I respectfully ask that you research and investigate this company and it's practices. Thank you
10/26/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • KY
  • 410XX
Web
I was contacted by achieve.com for a potential loan refinance. With the loan the loan XXXX suggested, I would be able to pay off several credit cards, saving me interest and lowering my monthly payments by around {$300.00}. I was asked for my income and I provided it and my wife 's income. We were told that we were approved. They then asked us to send them our income documents to verify our income sources which isn't a problem. My wife and I both work regular jobs but also work for our church. We provided our paystubs for our regular jobs and a XXXX for my ministerial income as I am the pastor. My wife explained that she could provide our bank statements for proof of our church income. We were also asked to provide our taxes for proof of the church income. We provided all of these items as requested. The loan servicer then said that the church income documents were not good enough. Mind you, we have gotten loans from other places by providing just the bank statements showing regular deposits from our church income. We were asked to provide a letter from the church that listed out the checks, the dates and other requested information for verification purposes. We had the church treasurer prepare this letter and we provided the letter. We do not receive paystubs from the church only our checks and a XXXX at the end of the year. We were told a short time later that we were denied for our loan. I contacted our loan servicer back and expressed my concern with their ability to verify my church income and asked why it was being scrutinized so heavy. I explained that we had not had issues having it verified at other lenders. We were told that it was due to their verification policies. I told them that I believed that they were treating my verification unfairly based on the fact that it is income derived from a religious source. I was told that several underwriters are utilized so they don't believe that it is the case. The loan XXXX then said that he would see about having the loan reviewed again. I requested that I be able to speak to a supervisor and receive the response in writing from the underwriter. That was XX/XX/2023. I have now heard nothing from achieve.com since then. I was told on XX/XX/2023 that it would be the next day and I would hear something. I have called the loan XXXX and have not received any return call. I am convinced that they are avoiding speaking with me and denied my loan because I discovered that they have a bias against religious income sources. They are treating the verification unfairly in comparison with my other income and they used this verification to determine if I would receive a loan from them. No one should have to have their income from religious sources scrutinized and treated unfairly.
07/19/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 453XX
Web
approximately XX/XX/2023 I received a call from a XXXX XXXX, they used to be freedom plus loans, had an existing loan. The person on the phone asked if I wanted to roll my car loans into the loan. After a couple calls that day, I agreed I specifically asked if the interest rate would be better or at least the same. The person on the other end of the phone said would be about a percent lower than what I currently had. The current rate was about 17 % so the new loan shouldve been about 16 %. Which is a pretty high because my husband I have credit scores over XXXX. I was also never informed there would be an origination fee. I did receive the loan documents but because I was told the interest-rate would be lower and there was no mention of the origination fee. I signed the documents. Unfortunately, I didnt realize until one day passed the day you could stop the loan, that they charged me {$1800.00} origination fee, as I got to looking further not only did the person lie to me about the interest rate in lower. The interest rate is 20 % which is 3 % higher than what I had. I wouldve never agreed to these terms. I started calling XXXX XXXX in speaking with representatives on XX/XX/2023. The represent told me shell follow complaint for me and also asked that they listen to the call I had with their rep on XX/XX/2023 so they could see he never mentioned in the origination fee. The rep agreed to put that in the complaint. On XX/XX/2023 I believe I realized that the interest rate on my loan is not 16 % like the rep told me on XX/XX/2023. The interest rate is close to 21 %.. I called back XXXX XXXX that day spoke to a representative, explained that the rep called me on XX/XX/2023. Tell me the interest rate would be about a percent lower than what I currently had which at that time, My interest rate with 17 % They said they would update the complaint. I again asked for them to listen to the calls on XX/XX/2023. I was told it would be sent to a team leader supervisor. I think a couple days later I spoke to a supervisor who did confirm she listened to the call from XX/XX/2023 she confirmed that that rep did not tell me about an origination fee and did state my interest rate would be about a percent lower than what I currently had and at that time my interest rate was 17 %. She agreed to let her supervisors know Ive had multiple contacts with her since, I sincerely feel she has tried her best to get upper management to look at this case. But as of XX/XX/2023 no resolution my interest rate is still 20 % which is ridiculous. She agreed that it is not appropriate for the representative to not have told me about the origination fee, and he gave me incorrect information about the interest rate. Phone number : XXXX
09/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • CA
  • 92506
Web
This complaint is concerning the predatory and unethical business practices of Freedom Debt Relief. We had worked with Freedom Debt Relief for approximately two years paying off debts. We were working on the last account debt to be paid off and in XX/XX/2019 we had asked Freedom Debt Relief how much money we would need to deposit as a one time deposit so that all of my remaining debt would be paid off. They told us a quantity of {$1400.00} including their service and settlement fees. Freedom Debt Relief said that it was not possible to deposit to the account immediately and that the earliest they could withdraw the money was on XX/XX/XXXX. Freedom Debt Relief pulled out the money from our bank account on XX/XX/XXXX and then stated that they take up to 30 days to process the payment to the creditors. I checked with them at least 2 times before the 30 days had passed to see if they were able to prompt the system to send the payment to the creditors and they said they could not do it until 30 days passed. Once the 30 days passed ( XX/XX/XXXX ) they had not done the payment to pay off the debt and they only did a regular scheduled payment to the creditor ( {$210.00} ) instead of paying the debt in full and finalizing the program. On XX/XX/XXXX they pulled out additional service fees and now state that there is not enough money in our Freedom Debt Relief account to pay off the debt to the creditor in full as we initially had the agreement to do and Freedom Debt Relief is now requiring us to provide an additional payment to them in order to complete the amount needed to pay off the debt and because it takes 30 days to process when you do an extra deposit, they will charge additional service fees again for the next month. I authorized to make an extra deposit for {$45.00} so that there is enough money for the remaining of the debt plus additional fees that are accruing because of their negligence. If they do not do the deposit this time, again I will not have enough money to pay off the debt in full and will need to deposit even more money on fees for work that they are not doing. I also asked for the transcripts of the chats ( all of these conversations were via online chat so there is written evidence of everything ) and when I asked for the transcripts, they replied they do not provide transcripts of the chats. We had an agreement with Freedom Debt Relief to pay off a debt in full and we are experiencing negligence and/or intentional actions by Freedom Debt Relief to not fulfill their agreed responsibilities and in addition to this they are charging us more fees and requiring us to make more deposits because of their refusal to fulfill their obligations as were agreed to. We need this cycle to end.
04/23/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 239XX
Web Older American
I engaged with Freedom Debt Relief in XX/XX/XXXX, which was the due date of my first monthly deposit of {$220.00}. It is now XXXX XXXX, 18 months later. I was told that this amount was sufficient to begin negotiation with the five credit card companies that I turned over. No worries about legal notices as they would have their legal representatives, which I was paying per month and did not realize, handle any suits. My impression was that they would contact each creditor, explain that I was making an effort to pay the debt by submitting {$220.00}. per month and they would make arrangements with these companies. In the 18 months I only received XXXX call regarding a settlement offer, which was to XXXX XXXX XXXX. I agreed to the settlement not realizing that they would be paying them more per month than what I was submitting. My second big mistake. In XX/XX/XXXX, I received the first of two XXXX. I called to find out if they were in negotiations with either of these companies. " Of course. We will represent you in XXXX. '' Well, I called the companies and neither of them had ever spoken with Freedom. The largest of the two had just received information from Freedom the day before I called, XX/XX/XXXX. I called Freedom back and the response " They all say that. '' On XX/XX/XXXX the legal representatives for Freedom contacted me to let me know if I still wanted them to represent me in court I would need to pay XXXX XXXX+ more to Freedom. I have been living on {$100.00} per month for the last 18 months so have no idea where that extra monthly would come from. They had no alternative but to stop representation. My total debt in XX/XX/XXXX was {$14000.00}. The total submitted in 18 months- {$6500.00}. The settlement with XXXX XXXX XXXX was {$3000.00}. Where did the difference of {$3500.00} go? Today I contacted both law offices handling the two suits to discuss my options. One with a total of XXXX+ agreed to settle the account for {$3000.00}. The other with a total of $ XXXX+ agree to settle for {$3800.00}. Just what has Freedom been doing for 18 months? I have until XX/XX/XXXX to settle these accounts. Freedom has not done their due diligence nor have they ever been helpful. Going into this I had excellent credit and only went this route to try and stay out of court. Now my credit is in the dumps and I'm looking at having 5 accounts in court, the possibility of loosing my house and automobile if I can not find assistance from family. The legal representatives even suggested bankruptcy, which isn't possible as the court would require me to sell my house. I am going to try to make these settlements on my own but am holding Freedom accountable to me for the same amount.
08/01/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95023
Web Older American
I have been on XXXX since XXXX XXXX. I had used my 401k to supplement my XXXX income to continue to pay 5 obligations. I ran out of 401k money in XX/XX/XXXX and am still on temp XXXXy. I was solicited by Freedom Debt Relief ( FDR ) to consolidate my obligations I have been unable to pay. I contacted their 800 # and the program was explained by XXXX XXXX, Senior Financial Consultant. He sent me the documents to sign to set up the program and explained that my credit would most likely have late payments on it. I explained to him that I know I owe the money and intended to pay if I was awarded social security XXXX. He assured me that they would be able to negotiate settlement amounts, and I reiterated how important it was to minimally affect my credit. They determined an amount to collect from me of {$760.00} per month to pay the obligations they would be negotiating settlements on. Although this amount is high it was much less than the monthly payments I have been making. I did not think I had a choice. They have withdrawn 6 monthly payments from my account for a total of {$4500.00}. Since XXXX only one account ( XXXX ) settled in XX/XX/XXXX. XXXX has filed legal papers to sue me for the amount I owe. In order to respond to the summons I had to engage the legal company FDR has a relationship with XXXX XXXX XXXX XXXX ( XXXX ). To respond to this summons it is a cost of {$220.00}. I requested that money from the bank holding the deposits from FDR. According to FDR because I took this money out they could not pay {$200.00} to the XXXX account therefore it is delinquent now. The issue I have is that FDR withdrew their fee the minute XXXX responded to a settlement and drained the account that had my deposits. I have been in contract for their services for 6 months and all I withdrew was {$220.00}. I believe that FDR is capitalizing on the fact that they are controlling my deposits and paying themselves when only one account has been settled. Yet that account XXXX is now delinquent to the settlement that FDR blames on my withdrawal. The bank account ( XXXX XXXX ) currently shows {$930.00} when they have withdrawn from me {$4500.00}. This company has taken advantage of my hardship and paid themselves with very little performance on the negotiating. They claim they have to wait to see what the court will say about the XXXX account, a court case I had no idea would come up from the structure of this program. I do believe that this company has misrepresented how efficient their operation was supposed to be. They should not withdraw their fee until each of the 5 obligations I had were settled. Only then do I believe they have earned their part. Thank you for your assistance.
12/06/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 140XX
Web
In XX/XX/XXXX, my husband was commenting adultery and we are getting divorced, someone told me about freedom debt relief so I looked into it because my payments were large and now I am a single mother of two with a mortgage, student loans and a car payment. I had some of my cards for 14 years and have never missed a payment ever but I had no choice other then to see what this program could do! So they told me to stop making payments on my cards and that they would guarantee to settle my debt to lower amounts and save me money in the long wrong. So I started putting away {$390.00} every two weeks to them for a total of $ XXXX/month which was very hard but I knew it was only going to be for 5 years and then it would be over if not sooner based on their promises. Then a few months later they tell me to start putting away {$410.00} every two weeks for a total of $ XXXX/month so again I cried but had to do it. As of XX/XX/XXXX I have deposited a total of {$8500.00}. I got hit with three lawsuits right in a row and two of which they settled. My XXXX XXXX card for example they only got a debt reduction of {$2200.00} but then charged me a settlement fee of {$2300.00} ( which I get they are a business but they told me the fee is not paid until everything is paid and settled ) Then my XXXX XXXX card was settled ( without my consent ) and they were able to have a debt reduction of {$3300.00} but then again charged me with {$2000.00} in a settlement fee. Yesterday I get a call from a lawyer that says I was hit with a lawsuit from XXXX and that I dont have enough money in my dedicated account and that I will need to put more money in- {$180.00} more every month and I then was very confused, I said well I have only paid around {$3000.00} out to companies, there should be a lot of money in my account to offer a settlement and she said no, there is only {$430.00} in my account. I then got very upset and called FDR. They are not willing to work with me in anyway and lied about their fee 's. There is no way they should have taken almost {$5000.00} in fee 's when I am still in the program for another 4 years. Just with those two cards alone, they are costing me more money then if I would have just contacted the companies and worked one on one with them! I asked if I could have my money back and get out of the program and just call my companies and they said I could leave any time but I would lose all of the money I have put into the program. I am very upset and worried and this is going to cost me so much more money in the long run! Its only been not even a year and I have already paid them so much money that I wasnt aware of and I have increased my deposits three times.
02/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • MO
  • 650XX
Web
I was a customer with Freedom Debt Relief ( FDR ) from XXXX XXXX XXXX, XXXX. My payment to them for the 18 months I was a customer was {$280.00} per month. I made 2 additional payments of {$300.00} in XX/XX/XXXX and {$1600.00} in XX/XX/XXXX. FDR also collected monthly fees from me each month in the amount of {$21.00}. The total funds they collected from me in the amount of time I was a customer was {$6800.00}. My complaint is that out of all the deposits I made, totaling {$6800.00}, FDR only paid {$550.00} towards my credit cards. A total of 2 settlements were made on my behalf yet they charged me for 6 settlements. One of those 6 settlements was debited to my account on XX/XX/XXXX, AFTER I was no longer even a customer. I was told when I signed up for services if I paid any monies in addition to deposit of {$280.00} per month, that my credit card debt would be paid down faster thus expediting my graduation date. This did not happen. All the extra deposits I made into my FDR account was absorbed by FDR for settlement fees. Also, statements indicate a payment towards XXXX XXXX of {$270.00} for 7 months, but this does not reflect anywhere on my FDR Dashboard online. I attempted to print information from my FDR Dashboard but settings for the FDR website prevented me from doing so. I was able to screenshot this information, however and will attach with my other documentation of evidence. The dashboard information indicates only 1 payment was made towards my XXXX card of {$540.00} and 7 payments were made towards my XXXX XXXX card of $ XXXX says nothing about the other payments which are listed in my statements. In XXXX or XXXX of XXXX, when I spoke with a representative on the phone about making an extra payment to get my debt paid down so I could clear up my credit faster, he explained to me that the extra funds would be placed into my account and eventually put towards my credit card debt. Not one time did he reveal to me that if I put an extra {$1600.00} the TOTAL amount would be used as FEES to pay FDR themselves. If I was told this information I would have used this money to pay bills and not given it to FDR. I'm sure the call was probably recordedplease refer to this phone call. In early XXXX when I fired FDR, the company made to attempts to SEEMINGLY want to speak to me to resolve this matter, however when I went to respond to their 2 emails ( one to my personal email and one to my XXXX account ), I did not get a response and I was blocked from responding on XXXX. At the end of XXXX, I sent a certified letter to the company asking them to work with me to resolve this matter and again, no response.
04/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • FL
  • 339XX
Web
I began working with Freedom Debt Relief to consolidate my unsecured debt as I had run into much financial trouble through a series of bad events. I was told when I began with them to stop making any kind of payment to the creditors/accounts I listed with them, to begin depositing money ( a hefty amount at that! ) into a " dedicated account '', and that after 90 days of missed payment they would begin negotiating a reduced balance and interest rate. In more than 5 months they have only negotiated ONE account. I now have several accounts about to be moved as " charge offs ''. I have forwarded all communication with these creditors and asked repeatedly about why it had been more than 5 months and still no settlements, and many about to be charged off. their response each time was that I di not have enough in my dedicated account. I have researched what a charge off does to my credit ( they have never once told me a charge off would stay 7 years, and I have asked what it would do versus paying them monthly starting now ), and each of time Freedom has told me to let it go, and after the charge off they would negotiate. A charge off is too late and stays on my credit report for up to 7 years ( I have asked Freedom several times over the last 2 months about this )! I have one account that has already been charged off, and it was one of the smaller balances which they never tried to negotiate. I could have negotiated with all of my creditors based on the research and discussions I have now had with each of my creditors. All have stated once I agree to an amount and reduced interest rate directly with them, that the accounts would be reported as " being paid '' which is by far better I am finding out than a " charge off ''. Freedom has now put me in a position where I may never get my credit score back for multiple years, by stringing me along and skirting an real answers as to what this means to my credit, until the accounts reach the " charge off '' stage, all while holding my {$630.00} a month plus {$25.00} and some change fees, in their account, but not actually negotiating or paying anything toward my accounts knowing they would/wee not going to negotiate until after all accounts were at this phase, which was NOT how this was explained nor ever said or explained to me thats what they were doing every time I asked and forwarded the information about what each creditor was doing. I came to them for help with getting my debt payment negotiated and paid, they have put me in a much worse position and now holding enough money I could have paid several creditors with.
09/08/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Unauthorized withdrawals or charges
  • DE
  • 199XX
Web
I contacted Freedom Debt relief to close my account with them. And the following is the response I got. Dear XXXX XXXX XXXX XXXX you for contacting Customer Service , we are happy to help with this. Upon reviewing your XXXX XXXX it appears that your current estimated pay off amount as of today comes out to an estimated {$2000.00}. Please keep in mind that there is always a possibility that this amount may not cover the final payment to your creditors which is why it is recommended to cover in for at least a {$100.00} overage to ensure we have more than enough funds and whatever is left will be returned back to your bank account once your account is closed. If you have any other questions or concerns in regards to this please do not hesitate to reach out to our Customer Service line mentioned below at your earliest convenience for further assistance with this. Visit your Client Dashboard to track your program progress, watch helpful videos, and read frequently asked questions. Thank you for letting us be your partner on your journey to a debt-free future. Freedom Debt Relief Customer Service www.fdrclient.com Customer Service : XXXX | XXXX So I then paid the pay off amount on XX/XX/XXXX. On XX/XX/XXXX they withdrew another {$300.00} and I asked why this was done and was told it was to cover the closing cost. OK the that should have been included in the payoff amount but ok. the following is the question i asked and response Good Morning, I have paid off the balance remainder of {$2000.00}. Why are you continuing to deduct from my account? That was the purpose of looking to close the account. Please let me know why or I will be closing the bank account so you can't withdraw from it. Thank you. Dear XXXX, Congratulations on successfully reaching the end of your program! It's important to note that it can take up to 30 days after you deposit the funds to graduate and complete you from the program. During this 30-day period, it's possible that another deposit may be drafted if you have a deposit scheduled and any excess funds will be refunded once your account is closed. We understand that you may have some concerns regarding your deposits during this period. Please know that you can modify your deposit at any time during this 30-day period to better suit your needs. Give us a call at XXXX to modify your upcoming deposit during this time. Now here it is XXXX and they withdrawal another {$300.00}. All accounts are paid an closed how do i get the to stop taking money from me.
09/11/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • VA
  • XXXXX
Web
When I signed up for freedom debt relief in XXXX of XXXX with my payments beginning draft in XX/XX/XXXX, I was told settlement fees would only be taken AFTER each account is settled AND paid in full. I had three accounts with freedom showing paid in full at the termination of my program in XX/XX/XXXX. Upon further inspection freedom did not pay off any of these accounts in full yet they charged settlement fees. Now freedom is denying this was said or implied, just as they did with their previous lawsuits ( of the many reasons for their suit filed in XX/XX/XXXX : deceives consumers about the extent of their services and deceives consumers about its fees. ) I have since discovered they lied about being better business bureau affiliated. They actually have a b- rating due to multiple complaints and government actions ( aka lawsuits ) against them. I have tried explaining to freedom all the troubles they have caused me ( just as in previous lawsuits against them ) they caused me further credit delinquency and have caused me to accrue more debt due to fees and their lack of follow through. When I was in email conversation with XXXX XXXX XXXX, a reputation management specialist, she advised since I signed the contract I was entitled to no further action up to and including a full refund due to their negligence in upholding their end of our contract. .She would not hear me out, not even to consider a partial refund. She then exchanged a snarky email with her supervisor and had a copy sent to me. She lied about these lawsuits and said they were settled in XXXX when in fact they were settled in XX/XX/XXXX. This company took {$1900.00} of my hard earned money and paid less than {$330.00} of my debt while taking astronomical fees for their settlements. Also once I complained, XXXX XXXX was able to produce a settlement agreement with XXXX and XXXX, and a memo of my financial ledger ( which I have never seen. I believe this would fall under deceives in general ). I also advised XXXX XXXX I preferred email contact as I work nights for my local XXXX agency yet she continued to call me, more proof freedom doesnt listen to her clients or previous clients as in this case. She also advised through better business bureau that the matter is resolved and it is far from resolved. Id love to provide all of our email exchanges as well as screenshots of my account with freedom debt relief. I also have print out of others complaining on bbb and also reporting them as scam artists.
02/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48060
Web Older American, Servicemember
I'm a XXXX XXXX veteran and fell into hard times with many health issues including XXXX and needed assistance in paying my bills. XX/XX/XXXX after researching the best debt relief companies, I contacted Freedom Debt Relief and was very impressed with thier orientation and they appeared the best to handle my debtsI addressed my concerns regarding being apart of negotiation, ability to have access and receive copies of documentation from creditors and all legal documents. Freedom Debt relief agreed and also offered legal representation for an additional {$12.00} a month to protect me..with a promise from Freedom Debt that their lawyers would always be there when needed .At that point, I felt relief knowing I was being under their wing to handle my debts.and signed the documents giving Freedom Debt Relief full control of my debts along with an agreement to withdraw {$750.00} twice a month from my bank. It wasnt until the following year during an authorization request I learned XXXX XXXX sent documents stating I was being sued and I had not received notice nor documentation regarding that issue from Freedom DebtI questioned the actions taken by Freedom and was told it was on my web pagenever found nor had access to this information.. ..I was allowed to watch many videos regarding Freedom Relief negations which only created more confusion ... let me move forward regarding my deposits From XX/XX/XXXX - XX/XX/XXXX I deposited {$15000.00} into the my Freedom account .thinking I was paying off my XXXX XXXX accounts but was shocked to see my deposits were not going out to creditors ..instead Freedom Debt relief paid themselves first instead of to my Creditors almost {$7900.00} in Fees went to Freedom Debt relief it was a sicking feeling seeing that only my two of XXXX XXXX accounts had only been paid {$7100.00} One more issue, Freedom Debt Relief from XX/XX/XXXX through XX/XX/XXXX constantly harassed me with emails and text messages that stated ..if I didnt increase my payments to them then I would lose all the money in my accountthis went on and on every month while Freedom Debt charged more and more for fees to pay themselves.when I finally decided to move to another Debt relief program I had {$860.00} in my account ..and and request its return to my checking accountI received $ XXXXFreedom Debt relief took {$700.00} for fees .Freedom Debt Relief ..needs to be investagted!
10/27/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • AZ
  • 85338
Web
On XX/XX/2021 I entered into the Freedom Debt Relief program. This is a program that settles credit card debt into a lower amount by negotiating with creditors. I have been following everything they ask on their program. On XX/XX/2021 I received a lawsuit from XXXX XXXX- I have 20 days to respond from XX/XX/2021, FDR states on their welcome packet/website and other sources the following information : " While youre moving through the process of resolving your debt, some creditors may choose to take legal action ( sue you in court ) to collect on the debt. If you receive a legal notice, send us a copy right away by uploading it on your Client Dashboard or emailing it to XXXX. Then call Customer Service to verify the document was received. Once we receive the document, well review the status of your program and may enlist the help of an attorney in the XXXX XXXX XXXX. To qualify for legal representation on a lawsuit, you must have made all your program deposits on time and in the full amount. Its important that there are enough funds available for us to negotiate a settlement if needed. Consistent deposits are crucial to overall program success and create negotiating leverage for attorneys to work on your behalf. There are no additional Freedom Debt Relief fees for attorney services. However, you will be responsible for court fees and related costs. '' " As long as you make all your deposits on time and in the full amount, access to representation through the XXXX XXXX XXXX is included as part of your Freedom Debt Relief program. There are no additional Freedom Debt Relief fees for attorney services. However, you will be responsible for court fees and related costs. '' As of today, I have been calling every day and have been given the run around with no answer. I am not asking and have not ask FDR for legal advice. Instead, I am asking if they are going to comply with what they offer on their welcome packet/website to help the customer with the lawsuit placed by one of the creditors by assigning an attorney from their " network ''. This is a deceiving business practice, as FDR convinces and promises customers that everything goes according to plan by following the program. However, what goes to plan is all the fees/charges they take out of the dedicated account, but everything else seems to be out of scope even when it's in writing.
12/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • VA
  • 243XX
Web Servicemember
I started with a company called Freedom Debt Relief. Who claimed that they would help settle my credit card debt for 50 % or more less than what I owed. Work with the creditors to get the settled debt either removed from my credit report or set paid in full. My enrolled debt was {$14000.00} on 5 credit cards. They said they would resolve my debt in a period of 3 years for less than {$10000.00} and by the end of the program they would have all my accouns settled and my credit would be repaired. They did get my accounts settled for less than owed but their fees ( which they didn't tell was going to be near what it was ) 1 account in particular I ended up paying more than what I owed because of their excessive fees. At the end of my program when everything was done my total cost was {$14000.00} and my credit is ruined. Every account that they settled is reporting charge off acount settled for less than owed. Now my credit is way worse than if i had not paid anything at all. I just wanted to get out of credit card debt and getbmy credit back over 700 again. I settled a debt with one creditor myself and paid {$2200.00} on a {$3500.00} debt and they removed it from my credit completely and really helped me. So I could have done everything they did by myself and would have saved a lot more money and got my credit back to good standing. They deceive people and take advantage of people then when you finish the program you may save a little bit but they aren't going to help you with anything related to your credit repair like the man promised they would. I really feel cheated and taken advantage of I mean I could have paid the money to the credit card companies myself and had my credit report in good condition but because of a beautiful lie and false promises I don't know how to get my credit repaired. If anything the creditors could just remove it from my report like XXXX XXXX did for me. I got it done. So why can't they. Otherwise what did I pay these people for? I could've done the exact same thing they did and it wouldn't have cost me anything. I paid them more than what I owed most of my creditors. They never said anything about charging more than 50 % of the settlement amount. Enrolled debt {$14000.00} settled for {$9300.00} total paid to them {$14000.00} that means that I paid them {$5600.00} in fee 's. So they could destroy my credit.
11/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • AR
  • 724XX
Web
I started a debt relief program with freedom debt relief. They sent me a flyer with a loan amount on it that happened to be exactly the amount of credit card debt that I held I called and was instructed by the associat that I was approved and that he could help me settle the credit card debt I had. While in a lengthy phone call with the associate of freedom i was instructed that i was approved for the loan and all they needed was the account numbers they instructed me to stop paying on the accounts I had enrolled with them. After about a month I started to recieve collection letters in the mail from the accounts I had enrolled with freedom I called them with my concerns stating that I was supposed to recieve a loan to take care of these accounts they told me that I was never approved for a loan that I was enrolled in their " hardship '' program I explained to them that the was their associate had told me I was approved for a loan and that the accounts I had enrolled with them were supposed to be taken care of and that I was instructed to stop paying on those debts. They tried to explain to me that I misunderstood the associate and that I was enrolled in the hardship program and that I was unelligable for the loan I explained to them that I wouldnt of signed up for the hardship program because I was current with all the companies I had signed up through them and that they needed to listen to the recording of me talking to their associate and could easily see that I was mislead into the situation by being promised a loan. Since dealing with freedom I have called on different occasions and spoken my concerns I told them I recently purchased a home and was afraid that my home owners insurance premium would increase I was assured that my insurance amount would not increase. Since then my home owners insurance premium has went up % 50. I've tried to contact them and speak with them about recordings and being mislead on the phone and basically they told me the reco derding were too old to go back and retrieve and that their associate did not mislead me and that It was basically my fault I'm still dealing with the company and the exorbitant fees associated with them I would appreciate a call back or a letter thank you XXXX XXXX phone number XXXX
04/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • NC
  • 28562
Web Servicemember
I am XXXX XXXX military. I received adds to call Freedom Debt Relief promising me an affordable way to repair my credit and gain a better credit score. They made it sound like a debt consolidation loan. I was told I needed to default on my loans in order for them to help me. Additionally they said I would receive this loan in six months time if I followed through with their system and steps. I have been with this company since XXXX oXXXX XXXX. My wife originally started the process when it was Freedom Debt Relief and I stepped in when they moved me to XXXX XXXX XXXX. I recently found out they are the same company. I was paying them almost a XXXX dollars a month for about a year until they moved my loan to XXXX XXXXXXXX XXXXs. I have been paying this new lender for over a year and giving them about {$900.00} a month. Combining all payments of over two years at {$900.00} or more a month! They have falsely reported a bad payment history to my credit report twice and after complaining they remove it. I have a security clearance with the XXXX XXXX. Bad reporting can affect my career. In addition to this my loan has barely been chewed down. I owed XXXX on my debts two years ago and after over {$20000.00} in payments I still owe over {$20000.00}! Something is seriously wrong here! I believe this company is violating the military lending act on so many levels. I tried to retain an attorney and they told me this company has forced me into an arbitration agreement and are charging me excessive fees which to my understanding is two violations of the military lending act. I was told to come to you. The company will not speak to my wife after I have verbally consented as well as produced a letter and power of attorney to them allowing this. I find it strange when she was the one who started this whole process. I dont know who my loan belongs to since this company goes by three different names. In addition to these high interest rates this company has combining fees that bring my rate to over 50 %. I am very concerned that I am throwing my money away on a scam corporation but my credit is critical to my lifestyle so I continue to pay them. As a military member I can not deal or afford this hassle in my life. Please help!!
07/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92881
Web Older American
On XXXX XXXX XXXX I got a call from XXXX XXXX saying he got my credit card debt information from a government agency that was picking people that qualified for their program. He was very insistant that this was a real program. I listened and I should not have. I did not make any commitments to XXXX. On XX/XX/2023 I got a call from a man claiming to be a lawyer. He gave me an attorney ID of XXXX. I recognized his voice from previous phone calls about debt relief. Then also, on XX/XX/2023 I got a call from a XXXX XXXX claiming to be calling me from my banks fraud dept. She said that XXXX got a letter from Freedom Debt Relief XXXX saying that I had signed up for a debt relief program and that XXXX could not receive anymore of my credit card payments. Then I asked XXXX for the phone number on the supposed letter XXXX got. I called the number and it was the same people I spoke with the day before. I was convinced they were real but did not commit. I spoke to a XXXX at their verification department and when she answered she gave the name XXXX XXXX XXXX. She forwarded me to XXXX XXXX at that same company and he told me I had to authorize {$9600.00} to be charged on my credit card to enter the program. I had my husband get on speaker phone. He told him absolutely not and XXXX said he understood. XXXX said they would destroy all my credit card information that they had. I never signed ANYTHING! Then, last week they called again, this time saying they were from the XXXX XXXX XXXXXXXX and why had I not finished signing up for the program? They were very pushy and verbally abusive when I questioned him. I hug up. Today, I got a call from a XXXX XXXX XXXX XXXXXXXX saying he was from my credit union and that they had received a 609 letter telling the bank I had signed up with a debt relief program. I asked him for the name and phone number on the letter. XXXX XXXX XXXX extension XXXX. It was the same number that called before pretending to be XXXX bank. Both times I called the bank and credit union and nobody made a call to me and they never received a letter. I am a XXXX and these people need to be stopped! I have blocked their number but impersonating a bank and credit union employees has to be a crime!
10/21/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 206XX
Web
On XX/XX/2019, I contacted Freedom Debit Relief to inquire about my settlement and also to cancel the program. Before doing that I asked if the settlement with XXXX XXXX XXXX was completed since they took over {$3500.00} from my bank account. The guy on the phone confirmed the settlement was completed and I didn't owe anything to XXXX XXXX XXXX XXXX then I proceeded to cancel the program. A month later, I contacted XXXX XXXX XXXXXXXX to confirm my credit card was settled and they told me they haven't received any funds from Freedom Debt Relief and the settlement agreement was broken because of that. I contacted Freedom Debt Relief and asked to review the recorded phone conversation from XX/XX/XXXX when I was told the account was settled and asked where was my money. A supervisor reviewed the recorded conversation and confirmed I was told it was settled. Yet, she didn't know why I was told that since according to her they only sent 2 out of the 3 payments and charged me close to {$1000.00} in fees for nothing. When I told her that XXXX XXXX XXXX said they did not receive any funds, I was told they sent it and they couldn't do anything about it ... .. At the end of the day, I still have the XXXX XXXXXXXX XXXX debt and i'm out {$3600.00}. Is not fair they can get away with this type of fraud while people trust them and believe they will act on their best interest but once you start questioning they don't provide any help. Yet they charged me {$1000.00} for nothing as it seems there was not settlement to begin with. I trust them because they made me believe I couldn't do this on my own and i couldn't settle with the credit card companies. They told me multiple times throughout the program not to speak with any of the credit card companies and it couldn't prevent future settlements. I was never told the settlement with XXXX XXXXXXXX XXXX was not completed and not in place and I was told they would charge me fees once the settlement was completed yet they took they fees already from my account.Then came to find out that they haven't even contacted all my debtors, some of they they sent it to collections agencies. Now I lost {$3500.00} and nobody seems to know where is the money.
06/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • OK
  • 749XX
Web Older American
On XX/XX/2020, I called the customer service line of Freedom Debt Relief ( FDR ) to get the balance figure of my dedicated account to determine an additional payment amount to be submitted to clear, and totally pay off the negotiated amount I owed to XXXX XXXX. I also advised that I wanted no further negotiations performed by FDR. I believe, to the best of my recollection, that I specifically named one creditor to be removed from any further negotiations. On XX/XX/2020, I used my debit card to pay {$2600.00} to totally clear and cancel any further obligation to FDR. I more than once asked for confirmation that my account was totally paid and there would be no further obligation to FDR. I was assured by the individual on the phone that my account was totally paid off and my account would be closed. ( If indeed conversations are recorded, why aren't they listened to? ) After paying my account in full XXXX XX/XX/2020 XXXX, a {$340.00} incremental was withdrawn from my account on XX/XX/2020. I called FDR and pitched a fit, during the conversation, it was again determined that my account was paid in full and the money was returned on XX/XX/2020. The next thing I know, {$10.00} is being withdrawn from my account on a monthly. I called FDR again, this time I was told the institution ( XXXX XXXX XXXX XXXX ) paying the XXXX XXXX account would have to remain open until the creditor agreed to accept payment in full, which according to FDR, could take up to 6 months. I called XXXX XXXX and was advised that a payment in full transaction could take place in a 24-hour business day. In XXXX, I contacted XXXX XXXX again and stopped all permissions to allow withdrawals by FDR. I continue to get weekly notices that I need to resume deposits to FDR and the have added two more monthly fees for {$12.00} and {$21.00}. This is total nonsense, as I paid my account off on XX/XX/2020. I have my " dashboard '' provided by FDR, which will verify dates and $ figures. I have called XXXX, FDR, and XXXX trying to get this resolved, to no avail. FDR address is :. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Customer service : XXXX
09/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NY
  • 11214
Web
I started freedom debt relief in XX/XX/XXXX. I had credit card with XXXX owing about XXXX, I enrolled in the problem and was told I would have a monthly payment of {$300.00} and once a settlement was made with the bank I would be paying off my debt in no time. I was mislead in many ways, I am a XXXX year old mother of XXXX and was told that once a settlement was made what I was depositing was going to be put towards service fees and my debt to XXXX XXXX. From XX/XX/XXXX to now XXXX I have made numerous phone calls asking where my money is going and why things arent being done and got no progress and assurance anything was happening. I was told somewhere in XXXX a payment was denied so my account went void but got an email in XXXX, 3 months after the fact meaning now my settlement was lost and had to be resettled. I have invested {$3300.00} into this program have {$400.00} in my dedicated account towards my debt and only {$19.00} was paid to XXXX on XX/XX/XXXX. The program charges {$3000.00} for their services but stated they couldnt pay XXXX and had to drop the settlement because there wasnt enough funds in my account. I have the ledger from the company of all my payments and dont understand how a payment failed when the took out of the same account numerous times causing my account to overdraft with no problem. The staff they have on phones do not answer any questions and constantly transfer you. They all have attitudes and basically at the end I had to cancel the program do to the worry of losing out on even more money with the company being so condescending. They told me I would only be getting back {$130.00} roughly, when Ive invested so much into paying off my debt. I paid {$3000.00} for ultimately nothing. No straight answers, no time frames when I asked for them into how much longer I needed to pay and no exact answers of where my money is going to. Other than {$19.00} out of all of this was paid to XXXX and they failed to tell XXXX that they wouldnt continue paying them until their fees were paid. Freedom debt relief took advantage of me my family and my financial crisis.
12/28/2021 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • FL
  • 33161
Web
Received a flyer that I am eligible for a Loan Consolidation, when I went and applied on line I was advised that I needed to speak with a rep. I called in, and found out sorry you do not qualify, but we can get you into a program with Freedom Debt Relief ( Bait and Switch ). Read about others on the XXXX page that they also had this same situation. Worked out most of the credit card accounts, fees are really high. In the end probably paying the same amount in debt, not much of a savings. The real issues come into play, when someone tries to sue you ; I was assured that someone would be there to help me, we help you get a legal team in place for this. Really they are not there for me, they may claim it is NOT their legal team, but in reality you can not ever speak to the lawyers, you have to do all the work, I had to call and write to the courts to stop the lawsuit. The first time, I was told, that my account was about {$100.00} short and the attorneys would not touch it. I jumped and put the full extra amount requested, then a few weeks later I get another letter that they had not heard from me and proceeding to sue me, I received a court summons, I called very upset, they said I needed to respond, and that the needed almost {$600.00} more added to the account, I borrowed it, them I once had to deal with it. Them I get a letter that the attorney never heard back from me, and the attorney was requesting the judge hold me in contempt and rule in their favor, when I called in very upset I was told I needed another almost $ XXXX. Which I am on a payment plan of an additional {$800.00} per month. Now I received a letter from the attorney looking to settle directly with my NOT FREEDOM DEBT RELIEF, whom I have sent all this money too. I had previously sent a CFPB complaint, halfway though this situation, BUT IT HAS GOTTEN WORSE, I had someone try to contact me 1 DAY, when I sent him back an email when I was available, he said he was not available at that time. When I tried to call him on the phone number he left, both XXXX and XXXX said that those were invalid numbers.
11/28/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • AZ
  • 85205
Web
I applied for an online loan during the week of XXXX. I received contacts from quite a few companies via email, texts or phone calls. On XX/XX/XXXX, I received a call from someone who said they were from Achieve Personal Loans and that I was approved for a {$2500.00} loans. They already had my basic info, name, address, phone number, and email. During the process of the application, I gave them additional info, mobile banking info, SSN, banking password, and a picture of my drivers license. They told me that my credit score was low so for them to extend the loan they would have to send me money, an amount between $ XXXX, I would have to send it back then they could send me the loan amount. It sounds like a scam but I was in a jam and hoping for the best. I even received an email with the Federal Trade Commission on the letterhead, pretty much stating the same thing they told me about them sending me money and i had to return it. They told me the entire process, from application to receiving funds, would be complete on the same day. After XXXX, I didn't hear back from them so I figured I would speak to them the next day. On XX/XX/XXXX, I received a call from my bank, asking if I tried to make a deposit through the mobile app, and I told them no. They said a deposit was attempted but it looked like a scam. Now my account it locked. The bank rep told me I would need to go into s branch to speak to someone about the lock on the account but I told her I no longer live in the state. She said she would talk with her manager and call me back. I tried to call the number that I spoke to the " Achieve '' rep on but no one answered. After thinking about things more, I went back to check the form I received from the FTC and it confirmed it was not legit. I'll just say, read, read, READ!! There were spelling errors and the verbiage was off. The letter was their way of confirming that they have successfully scammed you. I received it after I had already sent the info they were requesting. Feeling crazy now that I know I have been scammed and there's nothing I can do about it.
08/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • CA
  • 93720
Web Older American
I was looking for a consolidation loan so I could payoff my credit card debt before I retired. I called many banks. Although my repayment history was good, I had too much debt. I kept on hearing that there was a way to payoff my dept at a much lower amount. The salesperson told me that it was a government created program and that I would be out of debt in three years. They said I would pay into an account and they would payoff my credit cards. They disclosed that I would pay two monthly service fees -- one for the service and one for an attorney -- about {$12.00} each. I never had a paper copy of the contract before signing it. They had me review it with them on the phone while I Iooked at the screen on my computer and I signed it electronically at that time. I never had a paper copy to review before I signed the contract. I paid each month into an account and assumed that my debts were being taken care of. I started getting calls from debt collectors and I told them that they would now be paid by Freedom Debt Relief. I called up Freedom Debt Relief and they said that the calls would stop soon -- settlements took time. They never stopped. Nor did the collection letters. They then told me of two settlements with two of my credit cards. The amounts of the settlement was much lower than what I originally owed. However, I found out that they add a fee of 21 percent on the original dept ( which in most cases was higher than my original interest rate ). They said that I had a agreed to that fee when I electronically signed the contract. After a while, they called me up and said I could pay off my debts with a loan from them. This is what I wanted to do in the first place. Then they started pressuring me into taking the loan. The loan was for {$50000.00} at 22 %. I said the percentage rate was too high and they said I could not get a lower rate because I had so many delinquencies. I said that I had been paying all my cards on time until they got involved. I did not take the loan. That would have been a worse mistake than signing up in the first place.
10/12/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Didn't provide services promised
  • CA
  • 91016
Web
I, XXXX XXXX made a complaint about Freedom Debt Relief misleading ( CFPB complaint ID # XXXX ) on XX/XX/XXXX. After that complaint, FDR contacted me to solve issue. FDR stopped drafting out my money and tried paying off to creditors. Then set up my graduation date on XX/XX/XXXX. FDR drafted bi weekly as program deposit since XX/XX/XXXX to XX/XX/XXXX is {$22000.00}. I enrolled in 9 debts amount is {$21000.00}. XXXX over withdrawal amount is {$1000.00}. FDR refunded to me only {$940.00} on XX/XX/XXXX. FDR promised and showed in my client dashboard that XXXX XXXX to date amount is {$4500.00}. FDR paid to all creditors amount is {$16000.00}. {$22000.00} - {$940.00} = {$21000.00} {$21000.00} - {$16000.00} = $ XXXX I pay {$21000.00} ( over {$110.00} ) for my total debt {$21000.00} and my question is what's my benefit to enroll in the Freedom Debt Relief program? Where's {$4700.00}? FDR made misleading and lack of negotiation to more interest of debt that I enrolled. 1 ) If I didn't make first complaint to CFPB, FDR will continue stealing my money and pushing me down to the XXXX. FDR do negotiation for their profit only, not for clients. FDR extend the program period to get more gain. 2 ) I made payoff amount by borrowing in XX/XX/XXXX to end program to control my financial situation. But FDR didn't stop and I couldn't control my interest payments behind the program. FDR ripped me off, broke family life, mentally, financially, physically and FDR did discrimination to me also. Now my entire life is totally mess up. I had phoned and messaged with FDR many times and begging and request but FDR didn't please to me. FDR has all recorded conversation with me. 3 ) I do truly statement that Freedom Debt ReliefXX/XX/XXXXand I'm a XXXX person. FDR takes clients ' hardship pure white money, tears, blood andXX/XX/XXXX to the clients. 4 ) I humbly request to CFPB that please publish my statement complaint to the public, everyone to avoid Freedom Debt Relief 's trap and GIVE PUNISHMENT TO FREEDOM DEBT RELIEF. Appreciated and sincerely, XXXX XXXX
12/11/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Didn't provide services promised
  • PA
  • 19121
Web Servicemember
I enrolled in FDR XX/XX/XXXXXXXX and have sent them a total of {$7300.00}. I enrolled two cards, with the balance of both card totaling {$29000.00}. I was originally told we would be done paying in XXXX and now it states XXXX. I first got a settlement offer on my XXXX XXXX XXXX which I authorized had been making monthly payments on it for what I thought was the last year. However I noticed today when I accepted the settlement for my discover card it was no longer under as being paid on and it was still pending. So of course I call them. They told me I had missed one biweekly payment a few months back and they cancelled the settlement ( which they never made me aware the settlement was cancelled and I was paying toward nothing ). Okay so I asked where did the {$7300.00} I sent you the past year go. They then told me $ XXXX went to their fees and $ XXXX went to the credit card. I asked if the settlement was cancelled where is the XXXX XXXX and they told me the creditor has the right to keep it and cancel future monthly payments and that they need to renegotiate. I then asked to cancel and they told me I need to call back later and they cant do it now. So because I missed one biweekly payment the entire settlement was cancelled? But they had enough to collect XXXX XXXX of fees? I would like the XXXX XXXX of fees back since the settlement did not go through nor was I made aware it was cancelled. All communication from this company was unclear and shady. I contacted XXXX XXXX to verify they received XXXX XXXX from me and they stated they did not recieve XXXX XXXX as FDR said they did they only received {$2100.00}, meaning out of the {$7300.00} they pocketed {$5100.00} for a service they didnt even provide and were completely deceptive about! I will be seeking a {$5100.00} refund of the fees as they were charged to me for a settlement that was cancelled without my knowledge. Also when I called I had {$550.00} in my account balance and they refused to refund it because they were going to keep it for fees.
08/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • NY
  • 121XX
Web Older American, Servicemember
To : Freedom Debt Relief Crossroads Financial Federal Trade Commission Consumer Financial Protection Bureau Attorney General of New York, California, and Arizona Bar Association of New York, California, and Arizona XXXX XXXX XXXX To whom it may concern : My wife and I entered into the Freedom Debt Relief Program on XX/XX/XXXX current on all debts and financial obligations with the promise and guarantee to save us money at end of program and out of debt. In the 10 months of the program we going to end up with a much larger debt at end of program and are now exposed to law suits, liabilities, liens and possible garnishing of wages. This was due to extremely misleading debt procedures and actions. Our credit rating and resources have been so devastated this short time that our credit life may never recover from our dealing with Freedom Debt Relief. The quality of our life has severely affected by our plummeting credit rating and residual effect on other credit cards being so limited or now not usable. After more research online and information from financial advisors, we ended the program on XX/XX/XXXX with Freedom Debt Relief. We contacted XXXX XXXX at XXXX to get out escrow funds released and was told that it would be a three to five week time period for funds to be released. I was then transferred back to Freedom Debt Relief and after 55 minutes on phone being transferred around for clarification of the time period stated. I was then transferred to XXXX in the resolution department and was told that all funds in the escrow account ( {$3300.00} ) would not be returned and was to go to Freedom Debt Relief for services rendered. The following is from the agreement signed by my wife and me : You may terminate this Agreement and withdraw from your debt resolution program at any time, without any termination fee or other penalty. Upon withdrawal or termination from your debt settlement program, you are entitled to receive all remaining funds in your Dedicated Account Respectively, XXXX and XXXX XXXX
07/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MI
  • 49444
Web
I started with Freedom Debt Relief in XX/XX/XXXX after trying to maintain minimum payments on a long list of credit card accounts. I was having a hard time making headway making minimum payments on our cards and needed to find some relief. I thought that going to a Debt Consolidation place would be the best fit. When I attempted to sign up, I wanted to get approved for a loan to consolidate all the debt, they told me I did not qualify for a loan which I believe was just a ploy to get me into their settlement program. I had no other options at that point but to do the settlement program. Prior to this, I had no late payments on any of my accounts and was told to stop making payments on my accounts so that they could go delinquent, it was only then that FDR could assist on my behalf. I enrolled my debt and continued making payments monthly to FDR who began settling my debts. In the fall of XXXX, they reevaluated my account and said based on my current settlements outstanding and the monthly payment I was making, they would need to extend my program from the initial 4 years to pay off because of all the extra fees and interest that accumulated. They then suggested we try the consolidation loan again and I was approved, but at a super high interest rate. Today I am paying XXXX a month on a XXXX $ loan and it is absolutely killing me. My credit is absolutely TANKED, I can not get approved for any type of loan that would help me get out of the situation that I am in with these high interest payments because of all the delinquent payments that are now showing on my credit report. I am stuck. I am tired of living pay check to paycheck. I feel like FDR totally scammed me and in the end has ruined my previously stellar credit reporting history by their " stop paying your payment '' tactics only to get me to pay " settlement fees '' to them and now higher interest. In the end, I will probably be paying more on this loan then I would have with the credit cards if I handled them individually.
05/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NY
  • 10312
Web
On XX/XX/XXXX I enrolled in Freedom Debt Relief ( FDR ) Program to consolidate 6 credit cards and to lower the original amounts owed. I spoke to a representive XXXX XXXX and he stated I can pay {$160.00} bi-weekly and they will pay all my credit cards over a 2 year period. I was told if I get any letters from any credit card company to foward it to FDR and they will take care of it. I was also told DO NOT pay ANY credit cards or make any settlements. After 2 years with this program I noticed no settlement was made for 1 of my credit cards, which was XXXX XXXX credit card. I owed {$3900.00} when I enrolled. XX/XX/XXXX I received a letter from a law firm XXXX, XXXX XXXX XXXX stating my XXXX XXXX credit card was sent to them due to non payments. The letter stated I owed {$4500.00}. due to no payments made on the account and late fees. I called FDR and asked why no settlement was made on this credit card and was told there was not enough funds in my account. I was told to foward the letter to them, which I did. XX/XX/XXXX I called FDR to inquire about the XXXX XXXX account and asked why no settlement was made and was told not enough funds in my account. I was told a settlement will be made in XX/XX/XXXX once they pay off 2 other credit cards that had smaller balances. XX/XX/XXXX I spoke to FDR and was told that the lawyer representing XXXX called FDR and asked for a 1 time payment of {$3200.00}. When I asked why I wasnt informed, I was told " Do you have {$3200.00} to make that payment ''? I said of course not. I then removed the XXXX XXXX account due to them not making any settlement. XX/XX/XXXX I called FDR and terminated my account. This outstanding balance is on my credit report and it is damaging my credit. I am trying to refiance my truck and I am getting denied because of this account on my credit report. I would like to have FDR held accountable for mishandling this account for 2 years and not informing me aboout the settlement the law firm offered.
09/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • WI
  • 53511
Web
Good morning! I am a client of Freedom Debt Relief. I am reaching out to you because yesterday I happened to find out you filed suit against them XX/XX/XXXX. My contract with them started 5 months later. I am reaching out to you because I am experiencing the same issues that are described in your litigation documentation. I signed a contract with Freedom Debt Relief XX/XX/XXXX. Please see the attached documentation. My contract included 3 creditors, total debt {$15000.00}, with a monthly program payment of {$260.00} per month for 4 years. My contract states this will not affect my credit profile. A year and a half later, my credit score has dropped 200 points. From XXXX to XXXX. I was never late with my payments for my credit cards ( or any other bills for that matter ). I was just told that I could pay off these 3 credit cards a lot faster if I enrolled with Freedom Debt Relief. All of my payments have been on time, being automatically taken from my bank account every month. They didn't start negotiating anything until several months later when the first creditor stated they were suing me. I was told that all 3 creditors would be negotiated with at the same time and that's how my payment and the length of my contract would be determined. A year and a half later, Freedom Debt Relief had not even negotiated with the second creditor. They did nothing until I recently received documentation from my credit card company that they were suing me. So now FDR is telling me my payment will be an additional {$290.00} per month. Totalling {$560.00}! The third and last creditor has not even been contacted by FDR. When I complain to the attorney from FDR 's partner XXXX XXXX XXXX XXXX, XXXX XXXX, he says he has had multiple complaints about how FDR is treating their clients and I would need to contact them. When I contact FDR, they say to contact XXXX! I am in a desperate situation. They want me to contact them by today if I agree to pay the extra {$290.00}
07/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • TX
  • 77396
Web
I signed up for debt consolidation with Freedom Debt Relief in 2017. After 3 years of paying increments of {$130.00} plus their fees, I decided to pay the rest of what I owed as a lump sum since it is advertised on their website and from speaking to different agents on their chat system and phone, they said it would be the quickest way to " graduate '' from this program. Since XX/XX/XXXX, when the deposit went through, I have been contacting them and every time I have I have been told different things. First I was told it would take up to 10 days, then I was told 2 weeks, then I was told anywhere up to 30 days. I finally demanded something be done because I've been told the same thing over and over, that the creditors need to review my account and then negotiate the lump sum amount, so an agent said they would " look deeper '' into my account. He then told me that because I don't have an extra {$45.00} in my dedicated account that the system wasn't automatically starting the graduation process. I have asked them many times to see if they can manually do something and was told it is all automatic and all I can do is to check from time to time. He told me he was personally going to talk to his leadership to start the process and it still has not started. I chatted with someone today and am being told the same thing again. During this period they continue to charge me their service fee and continue to withdraw money out of my checking account. I am never able to speak to someone higher up or the creditors myself. I would have been able to pay off my credit card debt on my own with the funds I have but was told I could lose the resolution amount if I do it on my own so now my funds are sitting in an account while my credit score and report continues to negatively affect my life. Thank you for reading my long statement, I hope you are able to help me and other who are in similar circumstances.
06/16/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • NV
  • 89101
Web
I was with Freedom Debt Relief and they were supposedly negotiating with my three creditors. They took way too long in the negotiation process, and I should have just forgot about it and handled it on my own. I do feel due to their tactics they helped me ruin my credit rating which I'm still to this day trying to salvage. They supposedly negotiated with my creditors, but then in 2022 I unexpectedly received XXXX XXXX forms that I had to let the IRS know I had over XXXX in additional income from those forms causing me to have to refund half of my tax refund check back to the IRS due to those amounts the creditors had given me. So needless to say, I felt duped because I thought they had taken care of that for me. But they had no problem with giving me a loan to consolidate those balances into a nice XXXX plus in interest just like the banks were doing. So I should have stayed with the banks in the first place despite their compounding interest. So I'm not happy with Freedom Debt Relief and wanted this agency to know it. My present payments are being made to Achieve now. So not sure if Freedom Debt Relief sold them the loan or what. I am presently looking for someone else to pick up this loan at a reduced rate so I can finally get this paid off. So I would never recommend this company to anyone and anyone I meet that's thinking about doing this I always tell them my story and ask them to really consider having their credit history wrecked and being told lies about how the process really works. So it just makes me feel good to mention this to you because you should be aware of what kinds of debt relief companies are out there luring us unsuspecting consumers into their services. I so wish that the company I would have found would have been more heavily and federally regulated so that I would not have fallen prey to these kind of tactics and told they were the norm or the standard.
02/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • CA
  • 95826
Web
I was unemployed for the first time in my adult life starting in XX/XX/XXXX. I continued paying my bills with credit cards during that time and all along with the expectation or hope that I would be employed soon. My unemployment lasted for about 8 months, so I built up quite a large amount of credit card debt. I am not one that doesn't like to pay what I owe or skip out on things. I continued to pay on my credit cards with no late payments until the middle of XXXX. I was very stressed with how much I was paying in credit cards and seeing the balances barely change. I looked into Freedom Debt Relief and they were quick to pursue my business. Even after I declined, they continued to pursue me. They sent emails telling me that I could be out of debt in 48 months. In XX/XX/XXXX I gave in to the stress of my credit cards and agreed to do that program with Freedom Debt Relief. I signed a contract that says I would be {$760.00} per month for an estimated 48 months. That put the completion date of XX/XX/XXXX. I've been looking forward to XX/XX/XXXX for over three years. Now Freedom Debt Relief is saying that I have to continue paying for an estimated additional 15 months, until XX/XX/XXXX. That's over 30 % longer than what I was lead to believe, and what was stated in the contract. I feel like they misrepresented the services that they provide and that they have not fulfilled their part of the agreement. If I was off by 30 % at my job, I would be unemployed again. They continue however to collect their fees which I don't feel like they were very upfront about. During conversations in XXXX they would state a payment and tell me that it would be for 48 months. I would do the math and it seemed reasonable. They never mentioned the over $ 10k they would collect in fees from me and that the program could go 15 months longer than stated. Please help me figure out what my rights are in this situation.
09/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • MO
  • 630XX
Web
In 2018 we couldnt keep up with credit card interest and contacted Freedom Debt Relief speaking with XXXX XXXX. I asked before I signed up what would happen if I became unemployed again which is the reason I needed their services. Construction was bad and I fell into debt supporting my family. XXXX said if I lost my job I would just stop paying and pick up where I left no charge. First they settled with XXXX which was about $ XXXX and began settling with other smaller creditors until told them to slow down because my original $ XXXX monthly payment soon became almost {$1200.00}. I was fortunate to work incredible overtime to barely keep up last year. I was sued by XXXX XXXX XXXX, XXXX, and XXXX XXXX and FDR provides attorney XXXX XXXX from XXXX who didnt reduce my debt I ended up with payments that increase in time that I have no idea how I will pay them when they go up. This year construction started out slow and then Covid19 hit so since the end of XXXX I have only worked a few weeks. Our savings was disappearing so I asked FDR to ask my creditors for Covid19 relief which they did not do so I called XXXX myself. XXXX said since they sued me they only speak to XXXX XXXX that called me minutes later. He was able to get me a 2 month break but now XXXX XXXX XXXX wants past due in full even though I wasnt working. I asked FDR customer service to stop withdrawing from my checking account and they continued until I threatened them with the XXXX because I was advised to do this by XXXX XXXX whom they appointed. FDR still has never spoken to XXXX XXXX about Covid19 relief and now I am lucky to work part time and am trying to pay FDR even though it might lead me to bankruptcy. XXXX XXXX is the last FDR Representative that I tried to communicate with. FDR costumer service is terrible. I feel like I am set up for failure after being promised they would work with me if unemployment was an issue.
02/25/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85383
Web
My husband entered into an agreement in XX/XX/2019 with Freedom Debt Relief and it's been a disaster since the beginning. The first debt they settled had issues with XXXX saying they didn't get the full amount promised in the settlement and we had to go back and forth with FDR. Then, the second card for XXXX XXXX XXXX just recently settled and it's basically the amount we are depositing to FDR each month so that leaves the last one XXXX out of luck basically unless we deposit between {$300.00} - {$500.00} extra per month. We were served a lawsuit by XXXX about a month after the initial date on the papers and now are being represented by a law firm in OK. We sent all the signed papers back right away and never heard anything from them I had to reach out to ask what is going on. It's been a back and forth. FDR has been absolutely horrible. I filed a complaint with the Attorney General 's office as well and they just responded with of course they have done nothing wrong. Along the way, they tried to get us to do a consolidation loan with them since I'm sure they realize the plan isn't going to work the way they sold it for the amount of money they told us we'd have to pay. Bottom line we were told to pay {$310.00} a month for 4 years and your debt will be paid. This is not true. They are a total and complete rip-off and are deceiving consumers right and left. I see there were multiple class-action suits and they just pay millions of dollars and continue doing what they were doing. It's shameful. I working with the attorney they appointed who is also no great shakes mind you and hoping to settle that debt directly with XXXX outside FDR. Then contact XXXX XXXX XXXX and try to pull that out of the program as well. Then I want to sue FDR to get any fees we paid to them back and a sum of money for the emotional stress this has caused my husband and myself. Please help!
05/13/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30315
Web
I, XXXX XXXX XXXX XXXX XXXX authorized representative for XXXX XXXX XXXX attempted to remain in honor with XXXX XXXX XXXX ( previously named FREEDOM DEBT RELIEF ) by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S . Postal Money order. Which clearly states at the bottom that it is a negotiable instrument, which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provisions based on banking law, in the amount of {$10000.00}, in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311, U.C.C. 3-114 and public law for negotiable instruments to XXXX XXXX XXXX on XX/XX/2023. It was delivered to the company on XX/XX/2023 and they accepted my instrument, but did not credit my account correctly. I did call on XX/XX/2023, and spoke with a representative named XXXX. Recording will be attached. I let them know that the payment that I sent in via a U.S. Postal Money Order ( an ambiguous negotiable instrument ) was only credited as {$10.00}, which is incorrect. They said they will open a dispute or investigation, but nothing ever came of that. Therefore, because XXXX XXXX XXXX did not apply the correct amount or discharge the amount, they currently stand in dishonor of the law by not applying the proper payment. The payment that I provided was legal tender. Even with the ability for the instrument to remain negotiable, which is an even greater benefit for them, they have refused to honor it. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing illegal acts, interfering with commerce, committing securities fraud and are currently in dishonor as their practices are against the laws in which our country is built on.
10/24/2021 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • FL
  • 33161
Web
I initially became involved with Freedom Debt Relief when I received a advertisement in the mail for a " personal loan '' upto $ XXXX to consolidate all my debts. When I went online to apply, it said that I had to call in and speak with someone for next steps. When I called in I was advised that I did not qualify for it and that they had a program to settle the debt. They also led me to believe that when the debt gets older it is easier for them to settle the debt. They kept pushing settlements off, and then I started getting letters from an attorney, I did everything they told me, I uploaded all the docs, I kept all my payments on time, then I got served legal papers. I found out that they never had the attorney reach to the attorney who served me. Had they reached out earlier they could have prevented this. I found out that they had not reached out because they had wanted another {$270.00}, but no one told me that. I paid it right away, they made me contact the court for an extension, because no one there would do that. I filed for the extension and I was told that their attorney would now make contact. I get another notice that they attorney had filed for default, because no one contacted the, I called in, they said everything looked fine, and they had no idea why contact was not made. The CSR thought that maybe they wanted more money on the file, so I added more. I did not hear back from the suing attorney, so I thought we were on track. Now I received another letter that the attorney can not get ahold of FDR rep, and that I am again going in default. I know that FDR does not " Promise '' anything, but when they get the hook into you, they elude that they will help and be there for you. Everything is done though FDR, there is no way to contact the attorney and we do not have a contact there.
08/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • MO
  • 65803
Web
Freedom Debt Relief and XXXX XXXX XXXX took $XXXX of my money after they said they settled a debt. I had several credit cards to have settled, they did settle two of them as promised, but then it went south I had saved up $XXXX in my account, they could have taken care of half of my accounts with this but they went after the largest account so they could take my money and get paid instead of paying off my debts. They negotiated $XXXX month payments for like 5 years. Then they emptied out my account for their commission so when the payment was due on the settlement they negotiated. I had a XXXX balance and the creditor withdrew from the agreement.I called several representatives in the company to find out why my account was XXXX yet not one of my existing debts had been paid nobody could answer me. It took me several days and phone calls to have someone finally explain what they did. This was deceptive business practice on their part,they only went after this account as soon as I reached their commission amount in savings andleft nothing in the account to pay the debt. They won’t give me a refund and the lady I spoke to that finally answersWhere my money went admitted they could have handled it better but I still wasn’t getting a refund so I closed my account.After I closed my account I was harassedFor 3 more months asking me where my payment was and that I needed to submit it.My account was closed they still wanted me to send them money. They blamed the fact that I deferred a few monthly payments and that nullified my contract and ability to get a refund. When I signed up I was verbally told by XXXX XXXX that they would work with me, the money in the account was mine and I could use it if needed and I could also defer payment if I had a hardship without penalty but none of that was true.
11/14/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60647
Web
Achieve Personal Loans is a prime example of using bait and switch tactics. They insisted my rates would be 10-18 % and could even be as low as 5.99 %, in order to pull my credit. I specifically told them I was not interested in anything over those rates and was promised they were accurate. XXXX, XXXX and XXXX have all agreed that this was a bait and switch operation. They are now ignoring my phone calls and giving me the run around as to what is going on. Thursday, XX/XX/2023 - XXXX XXXX : Received email regarding application - XXXX XXXX : Received email requesting Driver License, Voided Check and Paystub Within 30 Days Friday, XX/XX/2023 - XXXX XXXX : Received email regarding pre-approval - XXXX XXXX : Received call discussing options and was told rates were between 10-18 % while on the phone with XXXX and XXXX XXXX. We agreed to move forward based on the information she gave us and specifically stated we did not want our credit pulled if it was going to be over the rate discussed - XXXX XXXX : Received email requesting documents again - XXXX XXXX : Received call from XXXX to go over options they had generated over 10-18 % - XXXX XXXX : Received call from XXXX notifying us she was escalating the issue to XXXX - XXXX XXXX : Received email from Jade about escalating the issue to XXXX XXXX ( Manager ) Sunday, XX/XX/2023 - XXXX XXXX : Called XXXX, left voicemail to call back - XXXX XXXX : Called XXXX, left voicemail to call back Monday, XX/XX/2023 - XXXX XXXX : Emailed XXXX asking for an update Tuesday, XX/XX/2023 - XXXX XXXX : Called XXXX, no answer - XXXXXXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX : XXXX called back, told us she would escalate it to another manager
04/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • TX
  • 78413
Web Servicemember
In XX/XX/XXXX, I was consumed by debt and solicited Freedom debt relief for assistance. I spoke to an individual named XXXX who assured me that Freedom Debt Relief would contact assist me in paying off my dept through their program. I was told to discontinue payments to my creditors and Freedom Dept Relief would contact all of them and set up settlements. Furthermore, I was assured that there were no charges for this service with the exception of a small monthly fee for maintaining my dedicated account. I was also told that the money in this account would be controlled by me in that I could approve or decline a settlement. This endeavor began by masking unrealistic goals surrounded by lies and deception which included the individual telling me Freedom Dept Relief was a consumer advocate. {$4300.00} later, I am more in dept and my credit has dropped more than 100 points because I put my trust in this company. I am a XXXX XXXX with more than 26 years of federal service and I am XXXX that such a company exists that tries to steal money from those in need of assistance. This company is an extreme embarrassment to those who actually attempt to settle debts for those in need. I would like to add that XXXX XXXXXXXX have a purpose to recover money lost to lenders, but this company strives to steal money from those who have financial difficulties. Fast forward to XXXX XXXX, XXXX. I was expecting a full refund because this business at the end created more problems, and instead they not only refused to refund me the {$4300.00} I put into the program, but the remaining {$680.00} was also stolen. This company is deceptive and currently has adds on XXXX telling potential customers that their dept will be paid for free. Something has to be done please.
08/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • MA
  • 02151
Web
I've retained Federal Debt Relief to assist me with paying off debts of which I admit was improper planning on my behalf. Since XX/XX/2020 I have been paying a little under {$600.00} a month and never missed a payment to them.Thats alot of money personally to me and was astounded to learn after I reviewed a credit report that my score is at the bottom of the barrel. I'm not deserving of a great or even good score by any means but remaining at the bottom doesnt seem right. I did stop paying them ( creditors ) as I worked with XXXX but I wasn't crazily behind. It Now appears I've been a complete failure trying to make things right with several creditors I have I believe 5-6 creditors who have me as " Charged off ' or " SERIOUSLY Past due ''. -Some creditors out there have had balances under {$1000.00} or even {$500.00} and XXXX would Not let me pay them off as people offered to help me.Instead we are on 2+yr deals to pay them. They did let me now if I put more $ $ in my acct things would get better. I tried that and it did get better ... for them. They collected their fees much quicker, Nothing else. ( They know this is reality, I already know what and how they will respond to that in a mostly structured, standard XXXX response ). -I also have a few accounts where the creditors are being paid {$1.00} a month, you heard me {$1.00} a month, they will have a response for that as well as you are aware. -I 'm going backwards with my credit, straight backwards. -Its clear my credit is going backwards and backwards... ..and then when I'm finished with them add 7 yrs where my credit will look like what they are creating for an unknown reason. What are they up to if you can answer? If anyone knows its you ... and them. Thank you XXXX
07/03/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • PA
  • 150XX
Web
I contacted Freedom Debt Relief to sign up for their debt settlement services in XXXX of 2018. They signed me up for services with who was once their sister company, XXXX XXXX XXXX. I was promised, by Freedom Debt Relief, a {$250.00} referral bonus for referring a " friend '' to their services, once that friend completed three months within their program. I referred my fiancee, as we are both struggling financially and looking to get out of credit card debt. I've contacted the company repeatedly, but have never received my referral bonus. I started reaching out to them more frequently recently, as my car recently broke down and I was hoping that {$250.00} bonus could assist in repairs. I was told by an XXXX XXXX that my referral bonus was " overlooked '' along with a bunch of others, and that they had corrected and mailed the check out on Monday, XX/XX/XXXX. Today is Wednesday, XX/XX/XXXX and still, no check. My fiancee has been in the program for more than 6 months, meaning this check is more than 3 months overdue. Had I known that this was a false promise and we'd be getting the run around from Freedom Debt Relief, I would have suggested that he enroll in a different debt settlement company. Freedom Debt Relief seems like they prey on people who are financially vulnerable, and once you've signed up, they want nothing to do with you. I can't even speak directly with XXXX XXXX now, as their customer service department tells me they can not talk to me if I don't have an account directly with them. Please be careful when dealing with this company, it seems they will tell you anything to get you off the phone, but will not deliver. It's completely unacceptable that a company of this size can let checks be " overlooked ''
09/02/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • MI
  • 49341
Web
I signed up to use Freedom Debt as I had 2 XX/XX/XXXX and was in midst of a divorce causing financial hardship in XX/XX/XXXX. I was told in XXXX that I would have debt settled in the range of 40 % -65 %. With fees my settlements included to be 8 % debt reduction. No where between range promised. I messaged Freedom debt on their app what the pay off would be and how soon it would pay all accounts and graduate from program in XX/XX/XXXX. I was told the amount was and it was 30 days and all would be completed. I made the deposit requested by FDR on XX/XX/XXXX I messaged in XXXX after 30 days as accounts were not being paid and fees were continuing. They were withdrawing more money from my accounts due to these not being resolved. I messaged again in XXXX after 30 days from may contact. Accounts were not being paid still and fees were continuing. They were withdrawing more money from my accounts due to these not being resolved. I messaged again in 2 weeks later XXXX after early XXXX contact. Accounts were not being paid still. I told FDR to seize and desist from withdrawing from my bank accounts. They still did it after the seize and desist request. I have screen shots of the messages related to these messages. I complained to FDR yet again and told them next time an attorney will be contacting them. They resolved the debt immedialtey and was paid of XX/XX/XXXX. Today the accounts are paid off but continue to take fees on remainder of balance. I have exhausted all possibilities of working with FDR when seize and desist order was not taken seriously. They extended my poor credit even longer so I could not refinance my house in time per court order and affected my credit scores to stay poor longer than necessary.
04/24/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • AZ
  • 85338
Web
Freedom Debt Relief has been deceiving from the the start. I signed up for their program on XX/XX/XXXX and have been doing everything they advise on their welcome packet and their client website. As a result of that, on XX/XX/XXXX I have been sued for 2 accounts and I have the following issues. 1 ) The company promised to negotiate settlements with creditors, but the service actually required the consumer settle their own debts. In this case, I have received a notice of default from one of the lawsuits, which basically means that they have done nothing. It misled its customers regarding the fees they charge. The company made consumers believe they only had to pay a fee when the debt got settled. The way it works, is that they send the first check for {$25.00} and they take all their fees after that. They do not disclose this on any of their documents. I found that out by looking at the ledger, I do see other fees that don't know what they are for. It misled its customers regarding the extent of its services. They tell you not to answer to the lawsuit or legal documents, instead, upload everything to their website as they pass the information to their partner network. There's a disconnect there, because they have done nothing and now I'm facing an affidavit of default where I have 10 days to respond. Also, Freedom Debt Relief has failed to notify its customers that some of the creditors hired to settle debts with had previously refused to negotiate to settle debts with third parties even when I called numerous times to get status on my case, no one knows anything and just tell me to call next week. This is my second complaint filed on CFPB regarding the listed above and nothing has changed.
02/20/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95023
Web Older American
XXXX XXXX I entered into an agreement with FDR ( Freedom Debt Relief ) for 48 months they would withdraw {$760.00} per month to pay off XXXX ( XXXX ) loans/revolving accounts. They began the withdraw XXXX XXXX and according to them accounts would have to be delinquent so that they could negotiate a repayment balance. The XXXX ( XXXX ) accounts were current up to XXXX XXXX. I ran out of funds from a retirement account to continue to pay them on time. FDR assured me that most companies would welcome a structured repayment after delinquency. The funds of {$760.00} per month were withdrawn on the 5th of the month. In XX/XX/XXXX XXXX stopped my income for discrepancies in prior years income. The Appeal/reconsideration was complete and XXXX began again effective XXXX XXXX. I received a revised deposit modification from FDR in XXXX that the program would require me to make the {$760.00} deposit/payment until XXXX XXXX which is 10 months longer than the original agreement. The extended period was because deposits/payments were not made as scheduled. The only two months I could not pay was XXXX and XXXX XXXXI had FDR 's bank XXXXXXXX XXXX withdraw the equivalent of what was owed to them {$4000.00} XXXX XXXX which would complete 48 months of payments I refuse to give them over {$7600.00} through XXXX XXXX as this would be a financial hardship. I have a job in sales but my paychecks are based on my ability to generate real estate loans. I anticipate that my first paycheck this year will be in late XXXX or XXXX. I do not have resources to continue this additional schedule. I have met my obligation to FDR.I want to discontinue the program immediately due to the additional funds they claim are required.
08/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MN
  • 55404
Web
UDAAP Violation : I told them when originally signing up that I needed a loan that I could pay every other week automatically. They said that they can do that, per my loan officer. After I got approved, it was found out that I could NOT. I contacted them again saying I no longer wanted the loan and that they deceived me ( all of this MUST be on their recorded lines ). They had a manager call me and tell me " Oh, well, you can still make those bi-weekly payments, but you have to wait for the statement to arrive in your email '' [ FYI-never received ] " ... and then once that shows up, you have to contact us to make two payments every month. '' Not only was I misled into thinking I could pay it every other week, I have to call them just to make my payments. Additionally, I found out it costs money to pay them directly. This is a complete scam. Fast forward a couple years, they put the debt into " Write Off as P & L '' status, which I understand ruined my credit. Couple months later, they are putting it into collections. Now, I have VERY aggressive people asking me if I can pay them {$570.00} minimum or I will have to go through bankruptcy. This is XXXX XXXX in MN. Debt Collection Company. This whole thing is backwards. I know this is a Deceptive practice and I did pay this for about a year, but they also wrote it off on my credit report as P & L -- now they are collecting. The company did not help me. I need help and the collection agency just wants to berate me for money in a demeaning way. It is dehumanizing and unethical, not to mention the whole thing was caused by one man who told me I could pay bi-weekly and then the company made it nearly impossible for me to do so! What do I do?
02/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NC
  • 275XX
Web
In XX/XX/XXXX, I joined a debt consolidation program with Freedom Debt Relief ( FDR ). The terms included making monthly payments for 48 months. The funds to pay the enrolled accounts ( i.e. creditors ) were drafted from my personal checking into a dedicated account with XXXX XXXX XXXX ( XXXX ). The contract I signed with FDR stated, " You will, at all times, own and control the Dedicated Account ''. This is not the truth. In XX/XX/XXXX, I agreed to a stipulated payment agreement with the court after one of my creditor 's sued me. The funds to pay this judgement were paid through the dedicated account. In XX/XX/XXXX, a lien was place on real property that I was an heir to. Since I had enough funds in this dedicated account, I contacted FDR and requested they expediate full payment to the creditor. The Attorney 's involved, as well as the clerk of court, needed proof the debt was paid in order to remove the lien and satisfy the judgement. A bank statement would have sufficed. After multiple contacts with FDR and XXXX, they both failed to assist me with this matter. FDR referred me to their client dashboard, which shows account balances. XXXX guided me to an account ledger that is in a .csv format ( i.e. XXXX spreadsheet ). Neither any of the Attorney 's, or the clerk of court, would accept this documentation. The FDR program, and their contractors ( XXXX XXXX, need to allow access to this dedicated account so that participants of the program can show proof that a creditor was paid. Instead of doing so, participants have to reach out to creditors ( which was advised against in the beginning of the program ) to request payment in full letters on the creditor 's letterhead.
10/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • MT
  • 594XX
Web
on Friday, XX/XX/2021 I received yet another notification from Freedom debt relief stating they are unable to negotiate a debt because of inaccurate information. Freedom Debt Relief has been handling both my dad and my debts for a little over two years now. most of the time they wait till there are funds in the account to negotiate with the creditors. But those debts have been either written off by the original creditor and placed into collections. Now I know the debt collectors have bought the debts from the original credit for pennies on the dollar. I feel they have not kept their end of the deal on several occasions now and act as if they are saving us money but in fact, negotiating with a debt collector instead of the original creditor was not our arrangement. when we contact customer service e are given the runaround and then are contacted by a reputation manager who has verified that were have been misled when they claim they can not do anything without the proper account information. How are we to know what the account information is with the debt collector they are supposed to be on top of those things and after two years we have not gotten anything pertaining to any debts. In my opinion, this is all a breach of contract for the mere fact that when we agreed to let them handle this business we were under the impression that they would handle everything yet when I have previously filed a complaint they try to get us to accept a loan from their sister company to resolve the debts I am not comfortable taking out more loans to pay off these debts when they are supposed to negotiate settlements. That sounds like a nice hustle to me. please advise
06/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • CA
  • 94124
Web
I signed up with Freedom Debt Relief ( Freedom ) on XX/XX/XXXX. I submitted a total of 11 credit cards for the company to assist me by negotiating with the credit card companies. Freedom advised me to stop making payments on all of my cards in order for them to negotiate my debt to settle for less. In XXXX of XXXX, a debt collector served me with papers so I hired an attorney to take care of that one particular debt. As of XX/XX/XXXX, 9 of the 10 cards were either being paid off or were already paid off for more that 50 of the original debt. On XX/XX/XXXX, I received a text message from Freedom indicating that they negotiated a settlement on my XXXX XXXX account that has a current balance of {$6500.00} but can be settled for {$6500.00} over 13 payments. This credit card was issued by XXXX XXXX Credit Card and my enrolled balance was {$4800.00}. Because this debt was more than 2 years old, I was not aware of how much the enrolled amount was. The purpose for entering an agreement with Freedom was for them to negotiate a settlement for less than the enrolled amount, this particular debt was settled for {$6500.00}, which is {$1600.00} more than the enrolled debt amount. To this date, I have already paid {$4500.00}, which I am sure is well over the amount I should be paying if Freedom would have done their job by settling the debt for close to if not less than half of what was originally owed. I called the company once I realized the mistake that was made. The customer service rep who assisted me told me sometimes they are not able to negotiate for less than the enrolled debt, I told him its ridiculous for them to settle for more than the enrolled debt.
11/24/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Unauthorized withdrawals or charges
  • CA
  • 947XX
Web
I am writing to file a formal complaint against Freedom Debt Relief, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Since beginning my payments in the summer of XXXX, I have encountered significant discrepancies in the management of my account. The financial details of my interactions with Freedom Debt Relief are as follows : Total Deposits : {$72000.00} Current Account Balance : {$16000.00} Expected Allocation for Debts and Fees : {$44000.00} However, the settlements reached to date total only {$17000.00}, detailed as follows : {$6400.00} settlement for XXXXXXXX XXXX {$7900.00} settlement for XXXX XXXX. {$2700.00} settlement for XXXX. This situation has resulted in an unexplained discrepancy of {$27000.00}. My attempts to have Freedom Debt Relief address this issue have been unsuccessful. Additionally, they have recently locked me out of my account by resetting my password, preventing me from accessing detailed statements to provide as evidence. This lack of transparency and denial of account access raises severe concerns about Freedom Debt Relief 's business ethics and practices. The potential mishandling of my funds and the obstruction in accessing my account information warrant a thorough investigation. Given the substantial amount in question and the potential infringement on consumer rights and financial regulations, I am urging the CFPB to promptly investigate this matter. While I am currently unable to provide a copy of my statement due to the restricted account access, I am prepared to furnish further details and any available documentation. I appreciate your immediate attention to this distressing issue.
09/08/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • NY
  • 14612
Web
On XX/XX/23 I completed an online applicaiton with Freedom Debt Relief. I gave them all of my personal information including my social security number. I did not sign the contract because I had questions. I downloaded the application which was incomplete. but I called the XXXX number to get answera before signing contract. I spoke with a female a " certified debt consultant with Freedom Debt Relief ''. I did not catch her name I want to say her last name was XXXX. So I asked this customer service rep about how this works, she did have access to my information because she read off all the creditors, not sure how she received this information. I had a issue with one credit with my cosmetology school and I was to get back with her to give the name of creditor and actual amount due. I also had another question but this one was more concerning. She said she would call me back the next day which would have been XX/XX/23 at XXXX. I never received a call and have not received a call since. I tried calling XXXX back today XX/XX/23 ( XXXX and XXXX XXXX XXXX, and XXXX XXXX. all three times it stated it would connect me with a certified debt consultant agent but was immediately sent to a voicemail stating " my '' debt consultant agent would get back with me. I left a message today stating since no one has called me back as promised and no one is picking up or I am being transferred I would contact CFPB. My concern is my the giving of my social security number and how they can see all of my credit information and how they asking for permission to gain access to my creditors and me giving them my social security number they have all of my information.
11/19/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Didn't provide services promised
  • PA
  • 163XX
Web Servicemember
Freedom Debt Relief consumer. Program started in XXXX. My request and report began in XX/XX/XXXX As I am nearing to the end of my program, my debt numbers were not right. One of my accounts that I added to my enrolled debt with the company this account is now in collections. I asked why? They did not know. They said an account with a XXXX balance was associated with this bank. This was not my debt. The debt I was talking about that was in collections was XXXX or XXXX XXXX dollars. Increasing now due to interest. AND in collections. They were confused and could not give me a definitive answer. I was speaking with customer service. I was told to verify the account in collections call back a week later for it to be resolved. They told ME to call collections. They told ME to contact the bank. I hung up in disbelief. Why? I have paid them a service & I have to fix THEIR mistakes. I still dont have an answer and I called a week later. Customer service still confused. Said they would report to manager. I have still heard nothing. I am trusting Freedom Debt Relief with my debt and they messed up to the point I feel like of no return. I am considering an attorney. I have no idea how much in fees I have paid to this company based on an account that is NOT mine. I do not trust their word. This is not my debt that is enrolled to my account and I have no account associated with it. All customer service could respond with was, This is weird. So, I told them I am not paying them until this issue gets resolved. I keep getting notifications how a funds delay could hurt my chances at settlement. I am not at fault here. Today is XX/XX/XXXX.
11/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NY
  • 11358
Web
Once they offered me the loan and did a hard credit check inquiry, they began to put up unreasonable barriers, including the sending of a 60 page generic teacher contract. They still refused to release the loan. In my last letter to them I tried to explain. The following was my last attempt at closure. " Your underwriting department is unable unwilling to distinguish between a general teacher 's contract, written for hundreds of District employees, and my personal current employment status. As I have already shared with you, I am a tenured teacher who has been working in the same school district for the past 18 years. This can only be verified by an email or phone call to my district, not by an examination of a generic teacher 's contract which does not mention me or any other employee by name. In fact, my tenure provides me with protection from any rapid or haphazard termination, which in most cases, would make me a very desirable loan candidate, the logic of which is missed by your very own underwriting department. In a nutshell, my private banking information, including my account number has now been compromised. Additionally, the inquiry you placed to the major credit bureaus is now adversely effecting my ability to look for a consolidation loan elsewhere. This is unfortunate for me, an individual who is attempting to rebuild and repair my own credit. '' The customer service agent, XXXX XXXX, seemed to enjoy the fact that my loan was not approved. I'm only asking for the hard inquiry to be withdrawn at this point. But they refused. I don't appreciate or deserve this abuse. Thank you for your consideration. XXXX XXXX
11/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92881
Web Servicemember
My wife and I agreed to a loan from this company to help us get out of debt and pay off some creditors quickly. We were referred by a sister company, Freedom Debt, whose program we were in at the time. While reviewing documents of the loan with the rep from XXXX XXXX he went through everything at a pretty rapid pace until we got to the TIL ( Truth In Lending ) where he slowed way down. He covered the payment, the loan amount, the fees and made sure that we understood that the outstanding credit card debt was based on estimates and the amounts could change which could affect the maturity date of the loan. The fees and costs other then the actual credit card payoffs we understood would not change. After payoffs were negotiated with the outstanding credit cards the loan funded and we received the final numbers from the company. A couple of the cards were a bit higher then the estimated payoffs but we were ready for that and it was not an issue. What is an issue is that additional fees were added as well. Those fees are almost {$3000.00} more then what we were quoted from the TIL. I called customer service immediately and was told that the information was in the documents and available all the time. Again, the documents were explained to us page by page by the rep who signed us up for the loan, and as stated earlier everything with exception of the estimated payoff amounts and maturity date would remain the same. The additional fees were not mentioned by the rep or the time was not spent to confirm our understanding. Buyer beware, this product is costing us more then the credit card balances combined when we entered the program.
09/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • OH
  • 43016
Web Servicemember
I applied for a personal loan on XX/XX/2023. On XX/XX/2023 I received an email from Freedom Plus stating that I had been approved for a personal load for {$5000.00}. Attached to the email was the Loan terms and conditions. I called the representative that was in charge of my approval as stated in the email. He said that in order to verify the account numbers are correct they are sending me {$900.00} by direct deposit. Within a minute I had a text message form my bank that there were multiple deposits made to my account. Then the representative told me that I needed to send that money back and they would send the {$5000.00} that I was approved for. I asked why they couldn't back that payment out and they said that it would not look good on a credit bureau to do that. This happened a few times during the day. I finally said " NO MORE '' and did not return any of there phone calls/text messages. Then I received a text message from them stating that if I didn't return the last deposit of {$900.00} and {$300.00} they would be taking legal action. Then next morning I received a text message from by bank that I was being removed from the early pay option. I went to go look at this and found that they had backed out all the deposits that were made and kept all money that was send to " Return '' their funds. This left my account {$1500.00} overdrawn. I have text the representative that I want to be contacted by a manager and that my bank has been informed of the situation and that the least they should do is make my account correct by sending me the {$1500.00} that they in essence stole from me.
08/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75078
Web
As of XX/XX/XXXX I have written XXXX several times to get this issue resolved. They are counting to report duplicate fraudulent accounts. I have been disputing XXXXXXXX XXXX charge for a {$3600.00} account being reported at {$8000.00}. I don't have account number. I have repeatedly disputed this charge for 3 years and it is also contacted each creditor bureau with proof and also contacted XXXX several times. Now the account is showing twice on my credit report. I have asked how this information is being verified as I have provided proof that it was not me. This is detrimental to my credit and I have exhausted ways to have it resolved. XXXX is also showing a duplicate collection account for XXXX XXXX XXXX XXXXXXXX XXXX, for {$190.00} which is also a fraudulent account and I have disputed this charge and it is showing twice. I have contacted XXXX as well as XXXX to verify that this was not me. The car they are referring to being insured is not registered or owned by me and I have never had insurance with this company. Have been fully insured for the last 5 years by XXXX. I would also like a resolution with Freedom Plus. It is showing a charge off account for {$9500.00} I have disputed this charge and also provided documentation of fraud. I have contacted the creditor as well as they have sent it to collection which has resulted in anther negative account for XXXX XXXX for {$9500.00}. I have disputed this collection and have contacted XXXX monthly for the past 2 years. The collection agency has sent it to another collection office of XXXX XXXX XXXX for {$9500.00} as of XX/XX/XXXX
04/12/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Problem with personal statement of dispute
  • TN
  • 38016
Web Servicemember
On XXXX I enter into an agreement with Freedom Debt Relief to communicate with my creditors and discuss any and all details of my financial situation. XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX ( XXXX different accounts ) On XXXX I signed an agreement for Freedom Debt Relief to begin negotiating settlements of my debt obligations. We also set up a Financial Hardship Statement. XXXX I established an ACH debit from my account for {$690.00}. The payments were establish to be deducted bi weekly with me paying {$320.00} twice a month. XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX for the amount of {$3600.00}. XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX for the amount of {$1800.00}. XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX for the amount of {$10000.00}. XXXX I reviewed my Freedom Debt Relief account and noticed I had deposited {$22000.00} into the Freedom Debt Account, which exceed the settlement amount by {$6900.00}. XXXX I print a copy of my XXXX Credit Report and noticed the accounts XXXX XXXX, XXXX XXXX and XXXX XXXX accounts were closed and charged off due to non payment. On XXXX I called Freedom Debt Relief and talked to a Customer Representative name XXXX. When I asked about my accounts not being paid, his only response was I had not accumulated enough funds in my account to pay all of my settlements. I asked how could that be if my account summary clearly states I have deposited {$22000.00}.
01/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NJ
  • 08753
Web
So I obtained a loan through Freedom Plus back in 2019 for around {$8400.00}. I was paying normal and on time before the pandemic hit. Since the pandemic hit and my store closed down temporarily. My income and unemployment was inconsistent and not enough and I asked for some help. They did help me for first 3 months deferring payment. I asked for further help ask again my income was inconsistent. They required Bank Statements to look over my finances. Other lenders did not ask for this and gave me more help as they understood the times. All 6 other companies I've worked with regarding my debt did not ask for this but FP. I am not one to give out bank statements to seek if I qualify for help. I've always found myself being declined help everytime someone looked at bank statements as a means for helping people. I then went back and forth with them over a period of time trying to get help. They did help one other month deferring payments but I still had to pay. My store opened back up and I was able to pay as income was consistent again. However I found myself not able to catch up and found myself being late. While trying to not hurt my credit i've been paying just under the 30 day late mark. They haven't charged late fees which does help but they are instead CHARGING ME EXTREME AMOUNT OF INTEREST. So out of my monthly payment, {$20.00} is going towards the prinicpal. I've asked for ways to help me get back on track now, will not do any more. I was out needing to quarantine, Paycheck was hurt temp., wont help no more. I won't use this loan company no more.
02/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • HI
  • 967XX
Web
In 2017, I went through a financial hardship. I sought help from many financial institutions. I finally found a company, Freedom Debt Relief ( FDR ). I was promised that through their sister company that all my debts would be consolidated & paid off. That never happened. Anyways, I joined there program complying with their requests : I closed all my accounts & had {$690.00} withdrawn automatically from my checking every month to the present. After many months, all my accounts were charged off. FDR reassured me that it meant nothing. They told me my credit score would drop a little, but after six months it would start going up, again. They told me not to apply for anymore credit. Little did I know at the time how those charges offs would affect me in the future. I was never informed that I was liable for those charge offs to the Internal Revenue Service ( IRS ). Even though the accounts were being settled for less than owed, I was paying FDR 20 % of the full amount of each enrolled credit card & personal loans. Also, I had to pay the settled charge off amounts to the IRS. So, not only are the creditors able to write those charges off to the IRS, they still get to collect the settle amount. Win-win for the profitable creditors. Meanwhile, I have to struggle to work just so I could payoff all my financial obligations. I have not missed any payments in the last 48 months. Yet, I still can not even get a simple XXXX XXXX or XXXX credit card, because I have derogatory information on my credit report which has to remain on my credit report for seven years.
09/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • NY
  • 100XX
Web
Greetings. These companies work together, as I understand ( Freedom Debt Relief and XXXX XXXX XXXX ). I became their client on XX/XX/XXXX, but later the customer service become confusing and absent. First, the person who signed my account totally disappeared ( Mr. XXXX XXXX ), without any explanation : telephone disconnected ( XXXX ), and no email reply : XXXX. When I finally could reach some of his colleagues ( XXXX XXXX and XXXX XXXX ), they did not offer any good explanation, and just asked me to contact Freedom Debt Relief. Then, whenever I email Freedom Debt Relief ( the company I see in my account online ), they do not reply my emails. For the last month, it took me THREE long phone calls to get an update about my consolidated debt. They promise to get back to me, and they do not. So I always must call AGAIN AND AGAIN. I have mentioned this to them ( today, to supervisor XXXX XXXX ), and they do not seem to care. Meanwhile, they take {$360.00} from my account as a direct deposit, on time, every month. I feel totally neglected. Right now they have {$3000.00} on my " Dedicated Account ''. In my previous call ( XX/XX/XXXX ), the representative said that that was an " enough '' amount, and that somebody would contact me ... Nobody did. Meanwhile, they keep my next negotiation on hold. On today 's call, just 9 days later, XXXX said the amount was not " enough ''. Very confusing. They should be more serious about following up, and reply my questions professionally on time, as I work hard and do my monthly payments to clean my debts. Thanks
09/04/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91786
Web
On XX/XX/XXXX, I signed up with XXXX XXXX from XXXX XXXX, which represents Freedom Debt Relief. She did was not explain in detail the fees Freedom Debt charges after specifically asking Ms. XXXX about how does Freedom gets paid. She advised me that Freedom only takes 25 % from the deposits that were made. Even after speaking with numerous customer service reps and even after a customer service rep that I contacted on XX/XX/XXXX, regarding one of my accounts being negotiated ( XXXX XXXX ), still did not explain that this account was being charged {$1100.00} alone which is 21 % of how much the loan was negotiated and I had numerous accounts that was going to be negotiated. On XX/XX/XXXX, I spoke with XXXX XXXX on the information and advised and from what the previous customer service rep advised to me, regarding my fees on each account that Freedom charges on each account that is negotiated. That is when I have decided to cancel my Freedom account due to not given proper detailed information that I asked for even after I specifically asked for, which kept me from making a sound decision of my options with freedom. On XXXX/XXXX/XXXX, I requested to cancel my account with Freedom and refund my deposit of {$910.00}. My payments were deposits and deposited into a holding account, therefore my deposits are entitled to be refunded back to me. XXXX XXXX advise my deposits will not be refunded and on XX/XX/XXXX, advised my Freedom Account will be closed. Freedom Debt wasted my time and my debts went into default therefore I had to file for bankruptcy.
11/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39110
Web
Back in XX/XX/2022 I filed an arbitration case against XXXX XXXX. XXXX XXXX refused to respond to the arbitration claiming contract does not designate the XXXX XXXX XXXX as the administering agency, and the XXXX XXXX closed the file. At first ( when Freedom Financial was notified about the arbitration case ), I was having a conversation with XXXX XXXX, Senior Corporate Counsel Legal, who simply stopped responding to my emails. Freedom Financial is violating the contractual agreement that states the party seeking arbitration can choose the arbitration company. This is very clear in the language. I want to emphasize that not only my contract with Freedom Financial, but the contract terms of every consumer will be into trouble due to this companys breach of contract. The purpose of this claim is to ask the CFPB to investigate so this company and it's irresponsibility to respond to arbitrations rightfully filed. I want to add that Freedom is in violation of XXXX and FCRA and the Truth in Lending Act. Freedom numerous times misbilled me and claimed to have changed my payment due date but kept on charging me frivolous late payments even though payments were being made on time per the new due date. Freedom also removed all my on-time payments and wiped out my entire payment history. When I was given this loan, I was misled into consolidating my debts, and fees and interest rates were not disclosed to me. I was charged an unconscionably high interest rate in relation to my credit score. Please see attachment of arbitration case. Thank you.
01/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • PR
  • 00683
Web Older American
Freedom has long known that certain creditors have policies against negotiating with debt-settlement companies such as Freedom. 18. For example, in late 2011, XXXX XXXX XXXX XXXX XXXX, a local XXXX XXXX XXXX XXXX, aired a story about two Freedom customers who complained about Freedoms inability to settle debts they owed to XXXX XXXX confirmed to XXXX XXXX that it does not work with debt-settlement companies. So as early as 2011, Freedom had notice and knew or should have known that XXXX would not negotiate as a matter of corporate policy. 19. Freedom has actively sought to reverse creditors policies against negotiating with debt-settlement companies. For years, it has maintained a team I was charged a total of {$6500.00} to date to settle XXXX worth of debt. Freedom debt relief is still negotiating with XXXX knowingly not able to settle the debt. They claimed that they paid XXXX 3 times because of a one time failed payment. They lied about the time frame of the settled debt. They mislead me by not informing me of the fees and time frame in which the debt will be resolved. Freedom did not disclose to consumers before they enrolled in its program that they might be required to negotiate with creditors on their own, including by deceiving their creditors, in order to settle their debts. Freedom also did not disclose to consumers before they enrolled in its program that Freedom charged consumers its fee, usually in the thousands of dollars per enrolled debt, even when consumers themselvesnot Freedomnegotiated the debt settlements.
08/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DE
  • 19810
Web
i am not sure what all is deceptive with freedom debt relief but i do know that negotiations for credit card settlements with the last account which is XXXX was first shown to be implemented between XXXX and XXXX of this year.. This changed upon accessing my dashboard with freedom debt relief to now show between XXXX and XXXX.. so for some reason, after funding a one-time XXXX payment last month and now another XXXX a week ago, nothing has changed. the account i set up with FDR included 6 creditors and for about a year now only 3 have been shown to be paid off. two are in structured settlements but no movement whatsoever and the lthe last account negotiated settlement has not been reached albeit getting debits from my XXXX XXXX account in the amount of {$110.00} every two weeks since XX/XX/2017 as well as additional deposits of {$1500.00} towards paying off this account involvement. Nothing is happening. Yet I discover fees of {$25.00} and change being taken out for FDR fees each an every month. I was told that no fees would be accessed until after accounts were paid off but they are not moving forward and have stalled with pay off. I am very stressed out by lack of forward movement after 3 years of dedicated payments. When I went to XXXX i was not able to register or access my account that was supposedly already set up. My credit score plummeted from the low 700 's down to XXXX .. I am really frustrated and need someone to step in and find out what is going on with both XXXX credit bureau as well as freedomdebt relief.
07/11/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • OK
  • 74055
Web
I enrolled in a Debt Relief program with Freedom Debt Relief [ FDR ] in XX/XX/XXXXXX/XX/XXXX. I was told that it was better because they could better negotiate with creditors and often make deals with them. They, also, told me that it would help salvage my credit score that would normally take a great hit. This was important because I am in the XX/XX/XXXX and I can lose my job based on credit score. I made this clear to FDR. I agreed to pay $ XXXX month [ their estimate to settle the debts ]. They settled one of the debts in XX/XX/XXXX when I had accumulated {$3000.00} in my account. Having settled the account terms, FDR took {$2700.00} in fees upfront. They applied $ XXXX/mth to the settled account and take $ XXXX/month in fees. Having exhausted all the funds and applied the total amount toward the one account, there is no money to settle the other accounts. Now, I am told that I must pay more money in order for them to proceed with negotiations on the other accounts. In the meantime, my credit score has dropped from XXXX to XXXX. It will continue to drop unless settlements are made. I discovered that one of the unsettled accounts, XXXX, DO NOT work with debt relief companies. I was not informed of this when I signed the agreement. Either FDR was not aware or they chose to withhold this information. I have difficulty believing that FDR was unaware that XXXX does not negotiate with debt relief companies as they told me they did large buyouts with them. I am, now, on my own to salvage my credit score and my job.
10/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 31088
Web Older American, Servicemember
I had a contact with XXXX law firm to consolidate all of my Credit Cards and personal loans to negotiate and settle each account. I deposited over {$11000.00} into a special account that XXXX would use to pay off accounts. XXXX has said they had no affiliation with XXXX. When I received the call from Consolidated-Plus Loans advising me that they would loan me funds to pay the accounts ; however, many accounts had already being settled and paid. There wasn't anything informing me about a 22 % interest rate, fees, or length of loan. The loan paid off is {$27000.00} for 5 years which is more than all the Credit Cards and personal loans combined. How the monthly payments equals the same amount i was depositing {$550.00} in the special acct for XXXX is uncomprehend nor understandable to me. Especially since there only three remaining accounts. Two XXXX XXXX and a chase. The XXXX XXXX accounts totaled {$10000.00} and the XXXX was {$900.00}. I tried to view the accounts I had and the dates of their pay off but all of that information has been deleted. These two companies are working together against honest people attempting to improve the credit worthiness and being taken advantage of. I can not have a 5 years burden on my back paying more the the original cost to pay off all of my accounts. I 'am a retired veteran of 24 years serving this country, 13 months in a foreign country to give companies like these two the right to use their power to pend American down financially under the impression of assisting them.
12/21/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • XXXXX
Web Servicemember
Dispute Notice Re : Freedom Debt Relief agreement of {$370.00} per month at 42 months XX/XX/XXXX The XX/XX/XXXX agreement was for me to pay {$370.00} per month for 42 months and Freedom Debt Relief would resolve my credit card debt to : XXXX # XXXX ; XXXX XXXX MasterCard # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX Visa # XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX # XXXX within that 42 months period of time. I was also advised that if my credit card debt with the aforementioned companies were not negotiable in 3 to 6 months ; that a new agreement would be needed. During that 3 to 6 months period of time, Freedom Debt Relief did not submit to me a new agreement for my approval. Since my complaint to CFPB # XXXX, Freedom Debt Relief first contact with me was on Friday, XX/XX/XXXX where I explained that I wanted the monthly charges to {$370.00} to stop after XX/XX/XXXX and all subsequent {$370.00} payments returned. ( Please listen to the recorded conversation ) The second and final contact I had with Freedom Debt Relief was on Monday, XX/XX/XXXX after another {$370.00} was charged to me. The paperwork from XXXX XXXX XXXX has never been U.S. mailed to me, never E-mailed to me, nor message mailed to me. ( Please listen to the recorded conversation ) Freedom Debt Relief error in negotiations is no reason to continue to withdraw {$370.00} from my bank account. I have given Freedom Debt Relief no right to continue to withdraw {$370.00} from my bank account past the XX/XX/XXXX payment of {$370.00}.
01/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NE
  • 689XX
Web Older American
After visiting with the representative of Freedom Debt Relief ( FDR ), I signed a contract for services with an anticipation of cost based upon XXXX % of enrolled debt with an anticipated payoff of 48 months. As my obligation was to have been done as of XXXX of XXXX I made plans to begin cutting back on work hours accordingly. Imagine my surprise when I became aware of their extension of this program for another 16 months at the same monthly rate of {$780.00}, meaning an additional cost of {$12000.00}. This changes the cost of services to represent well over XXXX % of enrolled debt. As they clearly state on the front page of the contract, " clients who make all their monthly program deposits pay approx. XXXX % of their enrolled balance before fees, or XXXX % including fees ( fees may vary ) over 24 to 48 months. '' This is how it had been presented to me and this was built us as my expected result. I was, and continue to be aware of this being an estimation, and know that things can change, but the representation that FDR was going to take care of this for me established in my mind that risk and worry were no longer on my side, but rested with them. This unfortunately extends my need to stay fully employed and extends the time that our credit issues affect our credit report. I have spoken with a representative of FDR a couple of times, but with little concession on their part. I believe this stems from a misrepresentation of expectations and desire to resolve it soon.
05/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • MT
  • 594XX
Web Older American, Servicemember
This is what the representative wrote regarding issues previously submitted. I wanted to apologize that you were given the run-around. That is not our intention in any way, and thats why I wanted to reach out to you, to let you know that you were advised incorrectly. I see based on the notes that the advocate informed you, that we would not be able to work on your accounts if we did not have the complete account numbers. I wanted to advise you, that is not true, and I apologize for that confusion. We do have a specialty team that reaches out to the creditors to locate our clients accounts. So after a previous complaint, we received a call from a so-called lender that supposedly can have a loan taken out to cover the debts in question. Now it doesn't make much sense to take this loan when the first company is unable to resolve the negotiations with the original creditors how is the lender going to be able to do it? First, most of the debts have been put on hold until they have been written off by the original creditors and they are being bought by collection agencies who could take pennies on the dollar to resolve. Does this make any sense, It sounds like we are being passed off to a third party so the first party doesn't have to honor the original contract but how are we supposed to know. What we do know is we are paying our fees on the said arrangement and what we get in return is excuses and misleading or conflicting info from customer service agents.
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • AL
  • 350XX
Web Older American
After I had completed the payoff of all but one of the debts I had listed with their company, Freedom Debt Relief convinced me to open a loan with their " sister '' company. I signed documents via email that were supposed to be finalized once final negotiations over an {$8000.00} XXXX bill were complete.I continued to make payments in the amount of {$390.00} per month while the amount of the reduction was supposedly being negotiated. During the time of the negotiations, the company was purchased by another company called XXXX. I have never received a final packet on the loan, no transition documentation on the loan, or any information as to who my contact is or a phone number or anything. But I did receive a notification from XXXX that a new account has been entered on my credit report for {$12000.00}. My last statement from XXXX shows a balance of {$1200.00} in the account the previous settlements had been paid with and that money was supposed to be transferred toward the loan amount of the final bill. The company refuses to communicate with me probably due to their inability to answer where did the bill amount come from, what happened to the funds in the other account and why can I not get a hard copy of all the information pertaining to the loan transition between companies? The amount seem excessive and their refusal to communicate is infuriating. Their phone staff is a bunch of young kids who have no ability deal with people and
05/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • NM
  • 875XX
Web
This is a debt consolidation loan. It saltarted with them having me make payments directly to them as they settled my accounts I provided them. This started in XXXX of 2017. I made payments of {$360.00} a month to them. After 7 months of making payments to settle the accounts. They offered a loan through their sister company. At first it was supposed to be the same payment plan and term ( 36 months ). When they offered the plan to me. After they went through and had me sign the documents the payments on the final copy I receive went from XXXX a month to XXXX a month. And the term was increased from 36 to 60 months. I figured I had already signed the documents so I could change them. Well back this past XXXX I started getting collection notices from creditors that were supposedly included in my debt consolidation loan that Freedom claimed to had settled. When I emailed about these they provided no response. When I emailed and told them I am not making another payment until they resolve the issue. They ignored me. Now they call asking for me to make a payment. And when I ask about the complaint I filed. They say theyll look into it and have someone call me back later that day or the next day. And that has not happened after numerous phone calls in 3 Months. The other issue that I have is the payments I initially started to make of {$360.00}. Were not reflected in my initial loan showing that I already made those payments towards the debt.
06/23/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 363XX
Web
I have an account with Freedom Debt as a consolation debt. I have been paying on it for years. They sent me an email telling me to increase my amount and it would be paid off sooner so I called for the payoff amount and sold my XXXX and sent the money in XXXX. I have called, emailed, and chatted with about 20 different people to find out why it has not been closed yet and they are still taking out money of my account twice monthly since I paid them the remainder of my payoff. Now I get an email after I sent them one asking why this has not been resolved after I have been told every time I get in touch with them that it would be taken care of that week! Now this email is telling me I owe them another {$260.00} dollars. Talk to them this morning and they told me it was one of my debtors asking for full payment, it is funny because this creditors did not settle and asked for full amount when they tried to settle with them but now they say the creditor was full amount, I was paying them full amount so why more money! Plus they are taking money out of my account monthly, which at first they said I would get back when closed but now they are saying it is for monthly fees, I feel I am being punished for trying to pay off early but the email they sent me back in XXXX never said anything about being punished for trying to close this matter. Thanks in advance for your help in this matter, XXXX XXXX XXXX XXXX XXXX
08/19/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • FL
  • 33327
Web
I started working with Freedom Debt Relief to settle 7 debts valued at {$67000.00} in XX/XX/XXXX. Included in those debts were creditors XXXX XXXX, XXXX XXXX, and XXXX Card Services. I found out later that these creditors do NOT work with debt settlement companies a fact that was confirmed when all three creditors filed lawsuits against me. I ended up paying XXXX XXXX in full, negotiating with XXXX Card myself after entering into a settlement agreement. In XXXX, XXXX, I called Freedom Debt Relief to ask how much it would cost to settle up the four remaining debts and get out of business with them as I was very dissatisfied with the service they provided. They told me the amount was {$19000.00}. I cashed out my XXXX to pay them and my other creditors off. The payment cleared their accounts on XX/XX/XXXX and to date they have not paid out all the monies to the 4 creditors they actually had settlements for. In addition to add insult to injury, they attempted to withdraw an additional {$540.00} from my account AFTER receiving my payment of {$19000.00}. I would like to get my settlement fees refunded to me because I am really not sure what I paid over {$10000.00} for. My credit was destroyed ; my good name was sullied because of multiple lawsuits ; my future has been impacted by me taking money out of my retirement account just to climb out of this mess. These people should not be in business.
06/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • IA
  • 50322
Web
I am showing a $ XXXX loan from XXXX XXXX XXXX on my credit report. Additionally, my checking account has been charged in XXXX and XXXX of this year by XXXX XXXX for {$440.00} ( the same amount my credit report suggests the monthly payment of the $ XXXX XXXX loan is ). I called XXXX to inquire about this with XXXX, as I have not borrowed any money since purchasing a home in XXXX and obtaining a mortgage through XXXX XXXX. That mortgage has since been paid off. XXXX representative suggested that this loan was used to pay off an XXXX Credit Card held through XXXX XXXX in the amount of {$8500.00}. XXXX Card number XXXX. I have never owned an XXXX Credit Card, and own no XXXX products. XXXX suggested that in addition to this, a {$1300.00} check was sent to XXXX XXXX XXXX XXXX, XXXX, XXXX - payable to XXXX XXXX. I am named XXXX XXXX, however I live in XXXX and have never been to XXXX in my life. Upon sharing all of this information with XXXX, they advised they had opened a fraud case and had sent the info to the email address on file. When I suggested I'd never told them my email address, they suggested its the one that ends with XXXX. I advised that is not my email address, and pointed out that they had likely just tipped off the person who stole my identity. They would not share the full email address with me, nor would they tell me what the phone number I have on file with them is.
08/28/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19154
Web
Freedom Debt relief is falsely representing their services. In many cases they are not at all negotiating any relief from creditors, i have several accounts that I am now paying MORE in return from the enrolled principal amount of debt. This is negatively affecting my credit score. Furthermore, they have refused to disclose to me their tactics, what terms they were negotiated on, whom i can speak with about how my debts were discussed, and why the repayments are higher than the amounts I OWED the creditors. I also was discouraged from disputing anything on my credit report and was told that I could not know the terms of the repayment or debt repayment discussions. Additionally, I have refused the terms of the most recent debt because its higher than the amount I enrolled into the program, they are refusing to move on, and address other areas of debt instead. They refuse to provide me with any information regarding how and what terms my debt was negotiated, and they can not tell me why my enrolled debt is lower by thousands than the results they are negotiating. I can not fix my credit without this information. I doubt they are negotiating AT all. They are falsely representing the amounts of debt that they have reduced. For example, a principal plus their FEEs means that I actually lost more than {$100.00} on one account for having them " negotiate '' my debt.
01/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
  • FL
  • 33462
Web
Since two years ago I have been on the debt relief program with Freedom Debt Relief, paying a fee for legal representation in case a debt escalates to a lawsuit. One of the enrolled debts escalated to a XXXX, on XX/XX/XXXX, I sent the summons to FDR and they confirmed by email they retained an attorney for me as part of their services, which I have been paying. I Signed a POA. The attorney never answered or appeared in court, and I got a XXXX XXXX XXXX on XX/XX/XXXX, and the other party is asking for summary judgment. I have called FDR to ask why the atty did not anything and they are asking me for money to deposit in the account with then to send information to the law firm to take care of the case if I don't pay FDR they will not send the information to the Atty. I have explained the situation to several agents in FDR and they keep saying I need to pay FDR to send the info to the Atty. FDR prevailed me to retain another attorney because they offered me legal representation and they retained an attorney for my case as part of what I paid, and they did not do anything about my case. Now I am one step behind a summary judgement without legal represation cause FDR is kind of blackmailing me to make deposit more than I should. I consider this an scam and black mail. The debt is more than XXXX and the damage this situation can cause me is terrible.
11/27/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Didn't provide services promised
  • FL
  • 33024
Web
Hello, I hope this message finds you well. I am writing to bring to your attention a pressing matter regarding a debt settlement agreement that appears to have been mishandled by Freedom Debt Relief ( FDR ) and its affiliated companies. Six months into my dedicated account with FDR, I was directed to XXXX XXXX, who proposed a loan through XXXX XXXX to settle thr ee credit cards. Regrettably, the subsequent contract from XXXX XXXX failed to specify the inclusion of all three cards. Consequently, my credit report now indicates an outstanding balance of {$6000.00} for XXXX, one of the originally enrolled cards. Upon contacting the XXXX XXXX XXXX XXXX XXXX, responsible for XXXX, I learned that FDR failed to fulfill the settlement agreement of {$2400.00} proposed on XX/XX/XXXX The settlement was never executed, rendering it void. I have diligently paid XXXX XXXX every month, believing that all three cards were included, only to discover that they are handling only two of them. I urgently seek your assistance in facilitating an escalation with FDR and Achieve to rectify this misleading situation and ensure the settlement of the pending XXXX balance on my credit reports. Your prompt attention to this matter is greatly appreciated, and I look forward to a swift resolution to restore accuracy to my credit profile. Sincerely, XXXX XXXX
01/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • WI
  • XXXXX
Web Older American
XX/XX/2018 I signed with Freedom Debt Relief. The agent was XXXX XXXX. The plan was 48 month term or less were Areys words. I explained I lived on a fixed income and my money was limited and I agreed to pay {$450.00} a month for 4 years. We went through the enrollment process. I electronically signed documents and made the first payment of {$220.00}. Now that the four years are up some accounts still have not been resolved and two accounts still have not started negotiations. Now that the 48 months are up Freedom Debt Relief tells me 48 months was just an estimated target date. XXXX never mentioned the word estimate. I do have the entire conversation recorded-never mentioned the word estimate. I called to have my bank information deleted since my last payment had been withdrawn. I was told I still owed over {$5000.00}. She threaten me that all unresolved accounts would go back to the original status and I would have all this debt to pay on my own and no money would be refunded to me. This all is very frighting to me. Im being lied to and XXXX. I can not afford to pay the {$450.00} each month for the additional years FDR has added to the account. I did notice Settlement Fees for thousands of dollars each several times in the payment process which could be part of the problem. I need help. Where do I go or what can I do at this point?
04/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • WI
  • 53913
Web
I signed up with Freedom Debt Relief in spring 2019 because I had overwhelming debt and wanted to get it paid. I was directed to not make anymore payments towards my debts and that they could help me lower them to one monthly fee. I was also told that there would be no charges until my settlements were taken care of. The company took out a total of {$5700.00} from my account and often sent me notices that they had reached a settlement offer and I needed to approve the offers so I did. Almost every debt I have claims they were never contacted and during my time with Freedom Debt Relief I had two judgements placed on me. I took screenshots of all fees charged to me and at one point there was a settle fee in the amount of {$840.00} for Freedom Debt Relief. Only one account was handled by this company and that was for {$500.00}. I requested for my money to be returned to me and they refused stating the money is theirs for fees owed. I am now trying to dig my way out of the debt myself and was scammed out of all that money I could be using to take care of these debts they promised they would handle. Also, I was told in the beginning I was in a 2 year program and this would be handled by now. Nothing was done for me by them. Im in a worse position than I was when I was quick talked into signing with this company.
08/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • NY
  • 14609
Web
Signed up with Freedom Debt Relief through XXXX. They made alot of promises about ease of paying off debt. Very misleading about fees. They claim that they told me about 22 % fees ( which I never would have agreed to ). After 16 months I noticed they had taken over {$17000.00} from me and, after looking into it, discovered they had paid less than {$7000.00} to my creditors. When looking at their website ( my client dashboard ) they use very deceptive tactics to show how you're making progress on your debts. Once I discovered that they had " stolen '' over $ XXXX from me they had me speak to several people that were well trained at covering up the numbers. When I cancelled and told them I would no longer let them steal another dime from me, I had {$770.00} left in my " dedicated account '' that was supposed to be returned to me. Interestingly enough, they all of a sudden came up with more " fees '' that came to exactly the money left in my account!! So as if it wasn't bad enough that they had already taken {$10000.00} from me ( none of which went to my creditors ), they took my last {$770.00} as well!! This company has got to be stopped!! I see that they had previously lost a class action suit in XXXX ... not sure how or why this company is allowed to continue stealing from people who can least afford it!!
06/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • MT
  • 594XX
Web
XX/XX/2020 Receiving emails stating they have found accounts that they would like to add to the existing contract. When I reply back to customer service they have told me these things keep coming up on my file. The thing is the account or accounts they claim they keep finding don't show up on my files on my end, in any of the credit reporting agencies and I have all of them including XXXX. So where do they get the information the consumer does not have access to? So I ask and they respond with some sort of account number in some collections dept. So I respond back and then they send me an email sounding like it may belong to someone else. this is very disturbing. In the mail, they keep suggesting they can offer some sort of loan to cover the funding of the debts but again the confusion is how do they expect to negotiate a debt when they claim they don't have proper account info after it has gone to collections so they lead me to believe they can finance the whole operation through a third party they call a sister company. With the constant misleading and confusion, I am lead to believe something fishy is going on with the company. Maybe it the result of the recent lockdown and no one is actually doing anything but sending scripted autoresponders to address the issues but who the XXXX knows
01/26/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02151
Web
I am currently dealing with Freedom Debt Relief for 12 debts. 1 ) 4 have been currently paid off ( I think ) 2 ) 4 have been settled agreements and are being paid ( I think ) 3 ) 4 more to settle. Freedom Debt Relief will not provide me documents stating which have been paid off and which are being currently paid off. I have zero idea if anything has been officially paid or if anything is currently being paid. I'm looking for a simple statement of such. They do have some kind of dashboard for me to view but nothing simple stating actions and finalities. *If I ever walked into court I believe a judge would laugh me out of there.I have no clear statements of settlements either final or ongoing. *I made it clear to them that oral conversations are not acceptable anymore and I want everything in writing, for I get different responses when I ask questions. In addition they settled an account a few weeks ago but I didnt accept it, I'm looking to see if they are going to charge me fees for it which our agreement states that they Can Not unless I agree to settlement. Theres more concerns to this company as well, but I need to start somewhere.Again, I try and speak with them but feel very misled when I do. Hope you can help me along and truly appreciate you being there for consumers.
06/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • FL
  • 346XX
Web
I am in the process of filing XXXX XXXX. I had previously been working with Freedom Debt Relief to pay off my creditors. My attorney stated that I should cancel my account and have any funds currently with Freedom Debt Relief immediately returned to me. I called them, explained my situation and they transferred me to the " termination '' department. I spent over 30 minutes on the phone and the agent would not initiate the return of funds. He stated I could not cancel the upcoming scheduled withdrawal. I told him multiple times in clear English to terminate my account and return my money. He then stated that he could stop the withdrawal and admitted to lying about it on the recorded phone call. After the fifth or sixth time of telling him what to do and him failing to do anything but argue with me I hung up. I then had to call back and get an agent to refund my money and stop any further withdraws. He did not have the power to cancel my account and said I would need to call back to do that. I told them multiple times on a recorded call to terminate my account and they refuse. I am not calling back. I should not be subjected to the lies, deception and emotional abuse that their termination department gave me. This company is horrible. I would never consider using them for anything.
01/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information is missing that should be on the report
  • MA
  • 02301
Web
Pursuant to section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act requirements Freedomplus Financial has violated the FCRA requirements by not notifying the credit reporting agency that this account is being disputed in the comments section of the credit report. Under section 623 ( a ) ( 3 ) Freedomplus is required to notify the credit reporting agencies that this account is being disputed. This is a very serious violation of the FCRA requirements pursuant to section 623 ( a ) ( 3 ) by Freedomplus Financial. I have disputed this account multiple times over the past serval months and the required notice of dispute has never been put or reported in the comments section of my credit report as required. I am providing multiple proof documentation of resent credit reports clearly showing no notice of dispute in comments section on any of my reports as required. I am also providing a copy of section 623 ( a ) ( 3 ) of the FCRA that I am sending in my dispute for Freedomplus Financial review. Freedomplus continue to respond back to me with the generic response stating that they can not review or see any of the supporting documentation provided. How can Freedomplus Financial verify my dispute if they cant review or see any of the supporting proof documentation.
10/22/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • TX
  • 75039
Web Older American
I just recently received a lawsuit settlement check from CFPB V Freedom Debt Relief Third party Administrator -7033 brought against The XXXX XXXX XXXX XXXX charged a settlement fee where there was no actual debt settlement It was for all part of the fees I paid XXXX I recall meeting with them because I changed my mind about using there debt relief services, and somehow they managed to convince / confuse me that it would be of my best interest to have their services instead of filing bankruptcy I decided to go ahead as planned and for months/ year or more I paid them monthly payments // finally they did some kind of consolidation write off and I no longer had to pay them off ; ; ; after all of this time paying them mega bucks they allowed me to be labeled Bankruptcy on my Credit Report!!! I struggled with having Poor credit filed reporting for years *** I guess what my question to CFPB is Does Freedom Debt Relief owe me back pay for more ~ $ XXXX than the {$5200.00} settlement check? I dont have the exact dates of when this took place but Im guessing 10 yrs or less ago,,, and CFPB should have the records and information used to get the settlement check to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX ( XXXX ) XXXX cell
04/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • PA
  • 17015
Web
Summer of 2021 i was looking to consolidate my debt and found Freedom Debt Relief @ XXXX. I was advised that I didn't qualify for a consolidation loan, but that they would get my creditors to accept lower payments and settle my balances. I had to start with agreeing to a {$430.00} per mos payment to FDR. This was automatically deducted from my bank account. Very slowly I started receiving notices of creditors settling for a lesser amount and I was to approve it. This went on for over a year, I would receive notices that accounts had been paid off out of the funds I was paying. To move this along, I received notice that all of my accounts had been settled. Now, I qualify for this loan to pay off my debt to ACHIEVE, XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The loan is for thousands more than my debt ever was, they are taking payments over {$100.00} more a month at a crazy interest rate. Now, after I received notice that ALL my creditors had settled i receive a demand letter from the Credit Union I owe the largest amount to. Not, just once. But twice same letter a month apart. I have reached out XXXX Achieve several times by phone and email without a valid response to my question of why am I receiving a demand letter for an account I am paying on???
10/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • CA
  • 91362
Web Older American
In email correspondence, I was promised by a representative of Freedom Debt Relief that if I deposited approximately {$420.00} per month into my account, they would settle all of my debts with creditors in 42 months or less. When I asked Senior FDR Account Representative XXXX XXXX on XX/XX/2016 what would happen if FDR negotiators were unsuccessful in settling my accounts within that period, he responded that the 42-month estimate represented a conservative calculation, that in fact the target date was overestimated. He added, We like to under promise and over deliver. He added that if FDR negotiators " get better results you will be dept free a whole lot sooner. Finally, he wrote, 46 months is a worst case scenario. Given that assurance and only on account of that assurance I agreed to sign up with FDR. In recent months, however, they have asked me to approve two settlements that would require me to make payments to the creditors over the next four years. I have refused to do so. I regard these settlements as breaches of my original agreement. In fact, they represent no debt reduction at all, and in fact, since they also require me to pay a fee to FDR for their services, they represent an increase of my original debt.
08/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • TN
  • 38138
Web
My complaint is against Freedom Debt Relief. I signed up with them because they said they could settle my debt quickly and improve my credit score. I paid them {$590.00} twice per month. I got several alerts that settlements had been made, but to my surprise, after over a year of paying them every month, none of my accounts have been settled. On top of that, they took {$590.00} out of my personal banking account on a date that was not allowed or authorized by me. My bank had to work to get that money back in my personal account because Freedom Debt Relief would not. I tried talking with them, I spoke with supervisors and I spoke with XXXX XXXX and they would not help. Freedom Debt Relief has mislead me and made my financial situation worse. They told me not to pay on my debt and tell anyone that calls that my debt was being handled by Freedom Debt Relief however, nothing was settled. They mislead me about their services, my rights, their negotiating power etc. They told me they can negotiate with any creditor and thats why i dont have to take any creditor calls. And if they say FDR cant work with them, then they are lying to me. But really, Freedom Debt Relief ( FDR ) was lying to me. Thank you.
10/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92545
Web
I solicited XXXX XXXX and thought I was soliciting Debt Management non-profit. Not for profit. I have 9 accounts that they said they negotiated. When Credit Counseling pulled my credit they said that it appeared that all the creditors that XXXX XXXX said they paid. The accounts were sold and charged off. I'm paying {$840.00} dollars a month to XXXX XXXX and they are not willing to provide proof of payment to to creditors that they said they paid for me at a reduced negotiated amount. XXXX XXXX told me if I wanted payment information that I would have to call the creditors and ask them what they were paid and provide the proof. I'm paying {$16000.00} in fees to XXXX XXXX and Freedom Debit relief. No assistance. Then two creditors sent a tax forms to add to my taxes as income. I could have just stop paying the creditors and received a " Charge Off ''. I made a good faith effort and to pay based on my income and was taken advantaged of by XXXX XXXX and Freedom Debit relief. Beware this is loan scandal high interest rates. So called negotiations from 30 % to 50 % per creditor. For {$28000.00} dollars I will be paying {$44000.00}. i ; m also in the UNION and didn't get my UNION Discount. Fraud.
11/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • PA
  • 15212
Web Older American
In XXXX of 2019, I was told by Freedom Debt Services that their program would get me out of debt faster and save me money and give me piece of mind. I enrolled four items with them under the understanding that they would negotiate payment plans. so, far they did one, which was already started by me and mostly paid by me. they saved me {$78.00}. They have done nothing but allow the debt to go to legal status. They have negotiated nothing and it is become obvious they negotiate only after legal proceedings begin. I have contacted them multiple times and they never respond. They take money from my account every month and it is not used for my debt. they take fees from it and the remainder sits there instead of being used for my debt. I know I was XXXX, but they just kept telling me how this was going to take pressure off me. Even when I questioned the ethical issues of not paying my debt the woman said this was backed by a government program to help consumers and in the end the credit card company receives full payment. And I can not seem to stop the madness! They have no chat, calling means I sit on hold for long periods ( and can not do that at my jobs ) and they do not respond to e-mails.
10/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • DC
  • 20002
Web
I signed a contract with freedom debt relief in XX/XX/XXXX. By XX/XX/XXXX I have deposited all required amounts into my account to pay off the settlements FDR had negotiated for me with my creditors. I was told by their employee the next week that everything would be payed off and that the only way to stop the bi-weekly deposits to them that were no longer needed was to put a stop payment on my bank account for them. I was told it wouldnt affect my contract and paying things off. After a month of no movement, I called and was escalated to a XXXX XXXX who told me their employee has misinformed me ( read : lied to me ) and that until I took the stop payment off of my account that they would not be able to proceed with negotiating lump sums and closing these accounts. Freedom debt relief is holding my credit score and future hostage and they continue to lie and no deliver on promises. In a week and a half, we will be 3 months out from when their employee first lied to me and my account still hasnt been settled and closed. And XXXX XXXX, supervisor, kept refusing to acknowledge that I was outright lied to and it affected my life. She just kept saying sorry you were misinformed.
05/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • OK
  • 730XX
Web
Recently my pay has been reduced by about 35 % because of the pandemic freedom debt relief agreed to work with me verbally, then would go back on their verbal agreement and make an auto withdraw from my checking acct causing an insufficient balance charge of XXXX. They did this repeatedly, they would tell me their records did not indicate me making arrangements, with them. But the only way they would acknowledge any changes to my scheduled payment to them was via phone calls. I would even email them and do live chats, I was always advised to make a phone call. When I would confront them and tell them I made the call to make a change in their withdrawal, they would tell me their records did not indicate a change. It has resulted in hundreds of dollars in additional fees from my bank. After paying them for 7 months they are only showing that I deposited XXXX but I have actually paid them XXXX, I inquired about this and was told I had to pay them before I could begin negotiation with my creditors to settle my debt. I need out of their program, now they are telling me I will be in breach of my contract, and they still have their hand in my checking acct, I need for them to stop.
01/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • MA
  • 02703
Web Older American
After a little more than a year enrolled in the Freedom Debt Relief program, my frustration level with trying to communicate with them reached a point of no return for me. I requested to modify the terms of my program after several attempts to resolve ongoing issues. FDR terminated me completely from the program. I was never informed that could happen when I was asking for a modification to complete the program. In short, I wanted to remove my 4 debt accounts that had not been processed by them and continue in the program with the ones that were in process. FDR had been taking their fees in advance from my dedicated account and as of terminating me, they collected 83.8 % in fees on the debt resolution payments they made from my account. They paid {$3800.00} towards my debt from the total {$7400.00} in deposits I made. They paid themselves {$3200.00} for settlement fees. The other funds paid out, {$370.00}, were also fees, not paid to FDR. The contract stated their fees were 21 %. I can provide any supporting documentation that would be needed to verify what I am saying. Please let me know specifically what is needed. My last correspondence with them is attached
09/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63121
Web
5 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
11/29/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 350XX
Web
I have attempted to verify claims by XXXX XXXX that I owe XXXX to them. XXXX had a very threatening attorney, XXXX XXXX XXXX XXXX XXXX call me repeatedly over the course of 7 months. I have not entered into contract with XXXX XXXX or XXXX XXXX XXXX XXXX XXXX and do not plan to. I called the attorney office back that threatened me because i was afraid of legal action based on their aggressive calling and leaving voicemails. I was finally able to verify the debt on XX/XX/2022, which is from Freedom Financial Asset Mgmt. The original documentation clearly shows that the " debt relief '' program was supposed to be at an annual 16.99 % yet my signature was electronically signed to a 19.38 % which I do not have any record of until my request. The first page of the Freedom Plus Loan Agreement is the only page that was presented to me which displays the 16.99 % as agreed. This was a deceptive practice and caused the payment to be outside of ability to pay based on our debt to income at the time, and currently is about 46 % today. I have attempted to contact Freedom to resolve the matter, but no response just threats from attorney 's office and XXXX XXXX.
12/05/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Didn't provide services promised
  • PA
  • 173XX
Web
On XX/XX/23 I contacted Freedom Debt Relief to inform them that I still had more than {$8000.00} on the XXXX XXXX credit card that they Freedom Debt Relief said had been settled about 3 years ago. The reason XXXX XXXX says that there is still over {$8000.00} in delinquent moneys owed is that Freedom Debt Relief broke the settlement by not paying the total amount agreed upon by both parties. Freedom Debt Relief acknowledged to me that this is correct, and they did not pay a XXXX XXXX the entire amount yet told me 3 years ago when I graduated from their program that all settlements were complete. Freedom Debt Relief refuses to contact XXXX XXXX concerning this matter and is telling me that I need to get a collection report from XXXX XXXX showing that they are still trying to collect a debt from me. XXXX XXXX is refusing to contact Freedom Debt Relief to discuss the matter and refusing to send me any type of collection notice or even send me the balance on the credit card account so I can forward it to Freedom Debt Relief. I am stuck, and this debt has been on my credit report as a delinquency for 3 years now negatively impacting my credit score!
11/22/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 773XX
Web
I contacted the Company FREEDOM DEBT RELIEF to help me settle with XXXX XX/XX/XXXX because I had lost my income and I fell behind on paying my credit card monthly statement. FREEDOM DEBT RELIEF informed me that they could help me cut the debt in half by settling with XXXX on what I owed them which was about 5000 dollars but after paying FREEDOM DEBT RELIEF XXXX every two weeks for about eleven months, they did not try to settle with XXXX XX/XX/XXXX until I called to ask why. Then I found out about all the fees that I had accrued over the eleven months that I was not made aware of that added up to more than I would have paid if I would have just paid the debt off myself. I am very Disappointed with the FREEDOM DEBT RELIEF COMPANY and I know I can not get my money back from them until I pay all the exorbitant fees that they have added on. I have paid them over {$3400.00} dollars when to settle with XXXX was about 2800. I offered to pay them the {$1000.00} they said that I owed them to settle with XXXX XXXX at the end of this year but they said I would have to pay them close to {$2000.00} with the other fees that they have added.
11/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • FL
  • 33173
Web
I enrolled in Freedom Debt Relief I have called them several times asking them to remove me from the program and they do not do so. Every time I call I get a different story. The last call was on XX/XX/2019 spoke to someone in leadership who told me that if they closed my account with them they would keep the {$1400.00} that is in my account. Because I owned them {$2900.00} from a settlement negotiation that they had done with XXXX XXXX this is not true the settlement was done by the Attorneys from XXXX XXXX XXXX XXXX. I am paying the settlement directly to XXXX XXXX Freedom Debt relief has not done anything with regard to XXXX XXXX. They currently pay for two settled accounts which they have already collected there fees and they refuse to cancel my account and refuse to return my money. I have any and all required documentation to this regard and they also record all conversations which can clearly proof what I am saying. I have the names and dates of all of the persons that I have spoken with in Freedom Debit Relief these calls and emails go back to XX/XX/2019 and they still have not done anything to resolve this issue.
10/13/2023 Yes
  • Debt or credit management
  • Credit repair services
  • Charged upfront or unexpected fees
  • CA
  • 95370
Web Older American
We enrolled with Freedom Debt Relief to clean up our credit cards and loans. We were paying XXXX every 2 weeks and then we lost 2 of our incomes. Before we lost the 2 incomes, I had agreed to a settlement on one of the accounts. They paid only XXXX to them. There was a XXXX balance. After losing the two incomes, we had to drop out of the program. I went back and looked for that money and it went to them, the company. I have a ledger showing this and also a fee of XXXX each month when account was active. I was told to call if I wanted additional information. This morning I spoke to a rude woman there who told me they took the money as their fee although nothing was settled at all. She said I owed them XXXX but they took the XXXX and that was the way it was. I feel that the money we invested into this program should come back to us as not one bill was settled. They were taking out their fee every month and that XXXX. Was there to pay bills that never got paid. I'm sorry we couldn't go through with it, but we were XXXX Less income. I just want to know if what they did was legal? And is there any way to get that money back?
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90277
Web
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal actionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NY
  • 14225
Web Older American
Freedom Debt relief negotiated a settlement with a collection agency handling a credit card balance for XXXX XXXX XXXX XXXX that had been sent to XXXX XXXX XXXX XXXX XXXX XXXX. Prior to the first payment of {$380.00} on XX/XX/22 they took a large fee in the amount of {$2400.00} on XX/XX/22. The second payment of {$380.00} was paid on XX/XX/22, The third payment was sent on XX/XX/22 in the amount of {$380.00} but was returned to them unprocessed, however, they took an additional settlement fee of {$170.00} on XX/XX/22. I can not find any credit back to my disbursement account for the returned {$380.00} and they keep taking settlement fees related to the XXXX XXXX XXXXXXXX XXXX even though they are not processing the payments any longer. I sent numerous correspondence to them to find out what happened to the settlement but they do not respond. Finally today XX/XX/22 I called XXXX XXXX XXXX and found the they no longer have the account which apparently has been pulled back to XXXX XXXX by the issuer. I am completely disgusted with their lack of communication and what may be fraud on their part regarding the fees.
07/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • OH
  • 44077
Web
In XXXX I retained Freedom Debt Relief to help me with my credit card balances since I new I was going to be laid off in the near future after contacting them. I had 4 CC bills I wanted to settle, They told me for a set rate they can negotiate my debts and eventually get my credit cleared up. They gave me a name to a litigation service that works with them for an additional {$XXXX} per month but told me it was rare for that to happen. Last summer XXXX I was sued by a creditor in which I had to involve the litigation firm, then they told me I had to raise my payment over $ 250/month. They told me I just didn't have enough funds to pay this. Now a year later I just received another Summons and i am being sued by another creditor listed with them, that they did not settle and told me it was a small one and they needed to wait til the creditor was ready to negotiate. So again they tell me I don't have enough in the account they have for me to pay this. I feel they have done nothing but scam me on this. Prior to obtaining them I researched them online and saw good reviews. Apparently I didn't research enough!
08/28/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • DE
  • 19702
Web Older American
I got involved with Freedom debt Relief and they were charging me high fees to settle debt so they said and at the time they settled nothing. They were sued in California for the same practices. I have never missed a payment in over two years and the majority of my money is going for fees high fees and when you call ask whats going on there is no reasonable answer. I really have no idea what they are doing with my money. in two years I have paid them over XXXX XXXX dollars. I had a debt with XXXX and I was faithfully paying and in two years time they did not give them two dollars which I knew nothing about until I had a police officer serving me papers to appear in court. I was told by Freedom debt that they hold off paying these debts in order to get a better settlement which is crazy. I would have been angry if I was XXXX I do and continue to this day to try and pay my debt I made a mistake getting involved with this company, this is the same thing they did in California. I should have dealt with my creditors directly and I tried but now its too late. I know I have a case her I just need help from you.
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • NC
  • 27801
Web Older American
Freedom Debt Relief is charging excessive fees for services not completed. Freedom Debt Relief charged {$1300.00} collection fee and only paid out {$50.00} to the XXXX XXXX for settlement. Freedom Debt Relief made a settlement with XXXX XXXX {$8500.00} to {$3800.00} and paid them a total of {$50.00}. Freedom Debt Relief states they are due thec {$1300.00} settlement fee. I terminated Freedom Debt Relief for taking long period of time to resolve my other five debt, which were starting to be charged off. This would start legal proceedings. I believe Freedom Debt Relief are doing fraudulent actions. Freedom Debt Relief are charging extreme fees for doing nothing. I as a consumer trusted Freedom Debt Relief to represent me in a trusting manner, I did not do a XXXX review of Freedom Debt Relief, I would have seen the bad reviews, they had accumulated. Freedom Debt Relief stated they will only return {$280.00} out of a total {$1700.00} amount I contributed to them. Freedom Debt Relief only settled one of six of my debts. Freedom Debt Relief states that upon my termination, that settlement is no longer valid.
11/22/2023 Yes
  • Debt or credit management
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NY
  • 12144
Web
On XX/XX/23, I was contacted by Achieve Personal Loans by a representative advising me that I could obtain a better monthly payment rate on my active personal loan by refinancing. During the course of the conversation, the representative did provide me a disclaimer that a hard credit pull was required to provide me with a rate, which I consented to. However, after I consented to the pull, the representative advised me that the only refinance option was one that wouldve raised my monthly payment on a marginally shorter payment term, which is not what I was expecting based on their pitch. I am concerned that the hard credit pull will have a negative impact on my credit score and feel as though I was mislead by the representative for the purposes of paying for a different loan product. Achieve, as the provider of my loan, already had access to my banking information as well as my income, and should have been able to obtain all necessary information regarding my qualifications for refinancing via a soft credit pull versus a hard pull, to determine whether I was eligible for a better rate to refinance at.
11/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • TN
  • 37128
Web Servicemember
This is for services Freedom Debt Relief ( FDR ) offered but was misleading there were added fees which was not mentioned. That I had Initially asked about before agreeing to use their services and I was told there would only be a monthly service fee that would cover all of there service fees spreading it out over a few years and the dedicated they offered through XXXX XXXX XXXX ( XXXX ) would be to pay creditors. I had FDR program from XX/XX/2019 and was cancelled XX/XX/2019 I made deposits totaling {$1000.00} to a dedicated account. The dedicated account which I was told my money would stay to cover creditors settlements and I would have access to withdraw or deposit money but I wasnt able to do that because its controlled by FDR. I called XXXX to reverse the fees but they said only FDR could do so. FDR Only sent {$20.00} to the creditors which should have been paid off with the {$1000.00} I sent them on two different accounts. They only refunded me {$34.00} back to my checking account and apologized for the misleading information. I would like to join in a consumer lawsuit against them.
02/29/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • CA
  • 91786
Web
I have noticed that my numbers on my dash board are not correct, for a example they're not having the accounts reflect ( they're saying I've 5 accounts resolved & only two accounts have been resolved one account was resolved last year, & one account this year.I started the program in XX/XX/2019, paid out over $ 5.000.00.They have listed on my dash that I've 22 accounts listed in the program which is not true, I only have a total of 13 in the program. I remove some accounts from the program ( over 10 from the program ) I ask them if I can lower my payments, they refused to bring my payments down. In the beginning I was paying XXXX twice a month, now they're charging me {$180.00} twice a month. I ask them if I end the program will I get my money back, the answer is no. Deceptive practices .... Freedom runs my credit report regularly to check to see if anything new on my report, I will receive a email mention have found a new issue on my credit report, which in response I would let them know where are you finding these accounts from, because I've my reports from all credit bureaus.
11/09/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • FL
  • 33311
Web
Hello, In XXXX i had an unexpected medical problem, i became unemployed and I tried to deal with all my creditors then, while some stayed by my side, others did not. Finally in XXXX I went back to work full time and decided it was time to pay back my creditors. I went with Freedom Debt Relief since they offered a solution, however, I learned through small claims court that since these creditors were old, I could negotiate myself with them. Freedom Debt relief never told me that, also they have charged me. I have negotiated 4 accounts that have been paid. I told Freedom I wanted my money back and they refused. I deposited {$8700.00} dollars to date, I've been in their program since XXXX and they can only account for {$3700.00}. Freedom has had a ruling just last year. This company should not be allowed to do business after they have had a ruling against them. I am out more than half I have deposited with not a one creditor paid. HELP. Also the company told me that if i tried to get out of their program it would cause serious consequences, which sounds like a threat to me!
04/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or missing disclosures
  • TX
  • 78249
Web
Enrolled in Freedom Debt Relief program on XX/XX/XXXX with XXXX accounts. XXXX XXXX ( {$10000.00} ) and Bank XXXX XXXX credit card ( {$16000.00} ). Paid $ 414 monthly in order to make the settlements. Deposited around {$11000.00} till XX/XX/XXXX, in the dedicated account and I was told that the money will be in my control. I've closed XXXX XXXX debt by working directly with the vendor. Recently I had to close the account in the program since I needed some money for the medical expenses. Freedom Debt Relief ( FDR ) refunded only {$3900.00} saying that they paid creditors {$3800.00} and rest they have used it for service charges. I've made multiple calls and sent many emails. I've been informed that they have a fine print in the initial document that mentions that the money will not be refunded. Any help to get my money back is highly appreciated. I am willing to pay a small sum to Freedom debt relief as service charge even though the account is not settled. FDR is currently holding more than {$3500.00} as service charge for an account that is not resolved yet.
07/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78258
Web
Freedom Plus is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove the account as other creditors involved have already done which has lowered my credit score by over 200 points. Freedom Plus can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by XXXX XXXX code. As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.
01/11/2020 No
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • OK
  • 744XX
Web
This company is continuing the same business practices as described in legal action brought forth by CFPB. I am referring to the below which describes my situation exactly. WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today filed a lawsuit against Freedom Debt Relief, the nations largest debt-settlement services provider, and its co-CEO XXXX XXXX for deceiving consumers. The CFPB alleges that Freedom charges consumers without settling their debts as promised, makes customers negotiate their own settlements, misleads them about its fees and the reach of its services, and fails to inform them of their rights to funds they deposited with the company. The CFPB is seeking compensation for harmed consumers, civil penalties, and an injunction against Freedom and XXXX to halt their unlawful conduct. I have had to start negotiaons myself, most of the creditors indicate no contact was made with Freedom debt relief on my behalf. Because of this XXXX card a creditor sued me, I stepped in and started negotiations with the creditors attorney.
04/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
  • CA
  • 94043
Web
2019 I spoke with a representative that persuaded me into enrolling in Freedom Debt Relief ( FDR ) program for my XXXX cc and loan debt. The rep failed to inform me at the time of enrollment that one deposit modification could cause a settlement to fall off back into negation or null. He did not explain so that I would understand the ramifications of a small modification in deposit. Once there was a modification, FDR took more than XXXX in fees with no settlement outcome. They saved themselves by making a payment and then took thousands from me. They misled me and persuaded me into signing up for a program with the talk of getting out of debt in 3 years for half the price. They did not inform me in a understandable and clear way about their huge fees and the consequences of deposit modifications. They misled me and took advantage of my uneducated understanding of the Debt settlement industry. I was vulnable and desperate at the time and I felt like they took advantage of me, making me fall more into Debt and in a worse financial situation than before.
10/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • TX
  • 765XX
Web
I contacted Freedom Debt Relief, via chat on XX/XX/2020, to change the debit date on my account. This was not followed through with and my bank account was debited 2 times for {$240.00}. When I contacted them to correct error, they stated it could take 4 to 7 days to fix error. Provided them with copy of bank account and bank email transaction regarding debits to my bank. Requested copy of chats with XXXX on original request and the statement that he had taken care of it. They stated they would not provide copy of chat due to it being an internal communicaition. Contacted company again on XX/XX/2020 regarding issue and was basically told they would not fix it for 4 to 7 days or I could provide copy of bank statement which I did. They admitted they made a mistake but failed to correct error in a timely manner and caused bank to charge overdraft and funds not to be available during a critical time. Myself and my family have been dealing with covid for the last month, needed these funds and I explained this to them, they were insensitive to our issue.
08/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • AR
  • 724XX
Web
I applied for personal loan to consolidate some credit cards into one payment, freedom debt relief contacted me at the end of XXXX beginning XXXX. Stated they would give me a loan, after denying multiple times when asked if they were a debt consolidation, all I would have to do is change my billing address so freedom financial would get my statements, I would have automatic drafts come out of my account to them and they would pay my credit cards. Wasnt until I received an email from a credit card company stating I was delinquent that I called the company they stated then they have the credit card companies settle before they make payments.. destroyed my credit score and after that freedom financial offered me a ridiculously high interest rate loan to pay off the even higher accounts since my credit was so low I couldnt get a loan from anyone else. They never explained that I paid fees that I could claim so I didnt have to pay the full amount of taxes when I received 1099Cs so I ended up on top of everything paying {$3000.00} in taxes also
05/04/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32571
Web
I Started with freedom debt relief XXXX XXXX years ago in 2019 I enroll XXXX 11 accounts in debt paying {$370.00} a month. I was recently offered A loan through consolidation plus which was misleading and confusing where they settled remaining 8 accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost 3 years later Im back at {$24000.00} in a loan debt for another XXXX years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found XXXX XXXX and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.
05/04/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32571
Web
I Started with freedom debt relief 2 1/2 years ago in 2019 I enroll XXXX 11 accounts in debt paying {$370.00} a month. I was recently offered A loan through XXXX XXXX which was misleading and confusing where they settled remaining 8 accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost 3 years later Im back at {$24000.00} in a loan debt for another four years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found XXXX XXXX and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.
05/22/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 175XX
Web
They collected a monthly amount very large auto pull out of my bank and never sent me any documentation on where the funds were going or how much I paid in full for almost two years. Then come to find out they said things they didnt hold up to and my debt ended up only going down XXXX $ and then all the money I paid went who knows where. In the end they sent me a letter saying I owed {$19000.00} to another company I never ever talked to and they transferred my balance with them which should of been returned to me not the loan company I never approved to have my money. The amount transferred was {$2200.00} on XX/XX/XXXX. Never returned to me to this day. Now they are on my credit report and I never even knew who they were and why I had a note on my mortgage from a company another company paid to service their loans. Please make this company remove the negative fraud information in all three credit reports oh actually they only reported to one I believe. Again at my weakest time in my life I was scammed by lies and theifs.
03/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 90011
Web
Hello, I wanted to contact you because I believe I have been a victim of fraud, not sure. I was in an emergency and was applying for a funds through a third party network. In the midst of needing help- I think I may have fallen for a scam. The person gave me the following information Freedom Financial Asset Management , LLC, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX loan officer. He told me they needed to up my credit score XXXX points so to purchase a gift card with fund they deposited. I did so- thinking it was part of process. I didn't initiate any reversal for the payments I see on my card at the moment. I asked for a copy of the agreement and nothing has been sent. Id like to report this and if I need to do anything? I do not want to end up in legal issues- I didn't authorize reversals for the charges im seeing being reversed. I asked for the copy of the agreement and waiting on it. will send as soon as I get it. Im not sure who to contact in case this ends up being fraudulent, thank you so much
12/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • MD
  • 21207
Web
I went to Freedom debt relief company for a consolidation loan in XX/XX/XXXX. They told me I didn't qualify for a loan because my debt was at 80 % of my total available credit, and I would be great and using their debt relief service. They told me to stop paying me creditors and change my personal phone numbers listed with the credit card companies and give their number. About six months I paid {$400.00} per month while intrest and late fees piled up to my account. From XX/XX/XXXX to XX/XX/XXXX I had made payments for nothing until they claimed they made a settlement with XXXX XXXX and XXXX XXXX XXXX which accrued a lot of debt. They supposedly settlement at 50 % of my debt which went from XXXX to {$12000.00} but they locked me in at owing XXXX at a high rate of 22.9 % which they didn't tell me in the beginning. 1 year later I still owe over {$14000.00} and my original debt after settlement was {$12000.00} and they ruined my credit score. It was much higher before I started doing business with them.
07/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • FL
  • 32953
Web
-Total debt enrolled : {$10000.00}. -Total settlement amount : {$5900.00} -Total amount deposited into Dedicated account so far : {$9000.00} -Total amount still due in deposits : {$3900.00} We ( my husband and I ) hired FDR because they claimed that from our $ XXXX debt, they would be able to negotiate a settlement of 40-60 % for a small fee ( which they did do ). However, if you look at the above totals, youll quickly notice that their small fees will end up being MORE ( {$7000.00} ) than the amount settled. This company is completely dishonest and are taking advantage of people who are in a tight position. We would have never hired them if they had clearly told us that we would end up paying them the amount referenced above. To make matters worse, theres barely any money left in our dedicated account ( which had almost twice the amount we settled for ) and theyre claiming we still owe them deposits for the next two years. Can someone please help? I feel hopeless. How could this be legal?
02/06/2020 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • NY
  • 145XX
Web
I started with freedom debt relief in XXXX of 2018, at that time they had me add all debts including a XXXX and XXXX account. I also was told by them to get the legal plan that would cover me for any reason if a account took me to court but was told that if I get anything to just upload it to my dashboard. I was served for my XXXX account and XXXX and uploaded the paperwork and assumed I was all set until a sheriff showed up with a judgment saying I must pay back with 10 % of every paycheck. When I started the XXXX bill was under {$600.00} and now with intrest and fres I owe XXXX. I had over 4,000 in my freedom account at this time and it was never worked out, XXXX was around 12,000 when started and now they want XXXX. Freedom tells me that I should of called the legal team and not them when I got the papers but i called freedom and uploaded like they said. I feel scammed, because now it looks like XXXX dose n't even work with the. So why would they have me add that account in the first place.
11/08/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • CA
  • 92078
Web
I worked with Freedom Debt Reliefs debt consolidation program, and I was under the impression when I signed up that all of my cards would be paid off and thats why I would be paying a flat-rate fee to Freedom debt relief. That was not the case. What happened was that they allowed all of my cards to get more and more delinquent so that they could negotiate a better deal, which I was not aware they would be doing, and which resulted in me getting harassed by creditors, them showing up at my house, getting sued, but worst of all ; my credit significantly declining. When I tried to address it, they told me to just trust the process and basically said there was nothing they could do. I ended up paying off all my debt, but the creditors were a headache to deal with and now my credit score has significantly declined, hurting essentially every area of my financial life. They were not upfront about their processes or the potential repercussions associated with going through their program.
10/29/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • FL
  • 34786
Web
In XXXX, I asked Freedom for financial guidance to reach agreements with creditors. I was paying for 7 months and I guarantee agreements with creditors. Make an agreement only with a creditor. After the agreement I made 5 payments and they charged the fees in advance and the account was at XXXX and they tell me that I have to continue depositing money if I want to reach agreements with another creditor. They created a new problem for me because they told me not to pay any amount to any creditor. Currently they complicated the situation for me, since after 5 months 2 creditors threw the account into a loss, and the economic situation and no emotional condition emerged more, since I am a person XXXX by emotional condition. At the beginning of the plan, the score was over XXXX. I asked for help in the wrong place, since they deceived me into indicating that they were financial advisors. I did not receive the requested service and he kept my money and I could not reach agreements.
10/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • IL
  • 601XX
Web
I received an email and phone call from XXXX at Achieve Personal Loans. She stated she was calling from XXXX XXXX and received an application for a loan. Her phone call was to tell me that I was approved for a loan for {$15000.00} that I had applied for. I did NOT apply for a loan and when I told her that this would be fraud she told me that it was possible it was not fraud and maybe someone else applied for this loan in my name. When I specifically stated that I did not nor did anyone have authorization to apply for this in my name she said she would " red flag '' the application but refused to mark it as fraud. This was either a phishing attempt or a refusal to mark a fraudulent supposed application as fraud. The email sent to me stated that she had been " trying to contact '' me but at the same time she stated that the application was done XXXX minutes prior to speaking with me ( at which time I stated again I did NOT complete a loan application XXXX minutes ago ).
06/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33971
Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
08/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 30281
Web Servicemember
I have been applying online to get a personal loan for the past few days. I was contacted by a company called Freedom Plus and the number they called me from XXXX and the name he gave me was XXXX XXXX, he said I would be approved and he sent me the information via email. I went to the website freedomplus.com and everything seemed legit. Until he asked for my bank log in information to verify that my direct deposit which I have had to do with another loan spot so I went with it. Then he told me that he would call me back this morning. So I called my bank last night and noticed my debit cards were missing. They immediately transferred me to the Bank of America Fraud Department and said all my 3 of my accounts were being closed right away because the activity they see is definitely fraud so now I don't have any bank accounts and my XXXX money from the VA will just be sent back until I can open an account somewhere else. Please don't let them do this to anyone else.
11/22/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • CA
  • 93422
Web Servicemember
I enrolled with freedom debt relief hoping I could be debt free within a year and purchase a home. My American Dream, well I enrolled with the company 6 months ago paying XXXX a month estimate including hidden charges I wasnt aware of. Not one of my 6 accounts wherein the 6 months there was zero settlements. Before Freedom Debt I had zero late payment and a good credit score around XXXX. Now my score is terrible with more debt and facing bankruptcy. Now I caught new they are facing a class-action lawsuit. I need help recently wrongly terminated and retaliation on at my employment further comprising my status. I have finally received unemployment because won my appeal. But all the money just goes straight to child support and everything I am behind on. I know this is a lot and I can go into details but you get the idea! I am caught in the system of never ever reaching my American Dream is now gone in the wind.. Thank you please help me! SINCERELY XXXX
08/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35404
Web
This company is reporting an account on my credit that is not mines. I am a victim of identity theft. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
02/18/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • CA
  • 91387
Web
My husband and I signed up with Freedom Debt Relief in 2014 after speaking with one of their representatives at length. What they offered us was a chance to increase our credit score while getting some debt relief. They would negotiate on our behalf. They presented themselves as credit experts and assured us we would have a favorable outcome. At the time, we were struggling but making our payments on-time. After agreeing to their program, we started making monthly payments to them. We did what they asked and it completely ruined our credit. This has affected our lives greatly in so many ways. I think about it often. I recently started researching how to sue them and CFPB came up. We would like to be compensated in some way to at least dig ourselves back out of this hole. Losing our credit is worst than having money taken from us. We can never get that back. The hope is that this will not happen to anyone else. Thanks, XXXX XXXX XXXX
08/07/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • VA
  • 24401
Web
I started using Freedom Debt Relief on XX/XX/XXXX. I closed my account with them on XX/XX/XXXX. I believe I've been charged fees for debts not settled and other extra fees. XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) unsettled debt, XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXXXXXX ) Claimed they had settled a debt on XX/XX/XXXX, and charged me a debt settlement fee of XXXX. On XX/XX/XXXX, I found out that it had never been settled. I asked for a letter stating that the debt had been settled. FDR sent me a paper twice but it wasn't proof of settlement. The third time I called them, I was given a hard time. These fees and a lot of other smaller fees were charged to me also. I really feel like this company was deceptive to me when I signed up for the program. I would never suggest this to anyone else.
02/02/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 74055
Web Servicemember
I had a loan with freedom pluss but due to health issues and other bills had to consolidate my bills thru XXXX to keep from fileing a XXXX XXXX. I contacted freedom and advised them of this. I few days latter I got a call from freedom plus but when i answered it was a company called achieve regarding this debt i advised them it was under a debt consolidation. They soon began calling me daily with no voice mail. I then began to get calls from them and caller id stated we have the loan you need. I sent a formal cease and dedit to them advising i had never recieved anything saying that they aquired this loan. The following week call volume from them went up and at hours they new i would be at work. I also was recieving blocked and anonmus calls i suspect was from them as well as they imidiantly followed a call from achieve. I feel they have violated my rights under the FDCPA and would like them to stop as requested
01/22/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 21218
Web Older American
I file a complaint against FREEDOM DEBT RELIEF .IT HAVE NOT BEING RESOLVE.I want of my money that is left in my account.nothing have been done.. just a lot of phone call and email.the account is still the same.,. I decided to put all my bills together.with freedom debt relief and was told that my payment was be between 24 -- -48 months for {$380.00} and it will be all paid up.I have already paid 27 payment.and now freedom debt relief is asking for another 30 payments and want me to agree for another 30 months .I m not doing another 30 months. when that was not told in the beginning .I told a different story from freedom debt relief.they are say one thing 24-48 and saying 58 months I will be fixing XXXX and started in XX/XX/08 XXXX that not right I needed some help please.that what I was told in the beganing freedom debt relief 58 months when that is not in our contracted View full complaint
06/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • NY
  • 14845
Web Servicemember
I enrolled in a debt relief program with Freedom Debt Relief. According to our contract, we can end the contract at any time with no further obligation. On XX/XX/2023 we terminated our contract, including terminating the settlement of debts for XXXX XXXX and XXXX XXXX and XXXX. We requested a refund of the debt settlement fees for the XXXX XXXX and XXXX XXXX and XXXX XXXX as these debts remain unsettled, and Freedom Debt Relief is no longer paying these debtors. Freedom Debt Relief refused to refund the settlement fees for those two accounts, which to date remain unsettled. In addition, on XX/XX/2023, Freedom Debt Relief charged us an additional settlement fee of {$9.00} after our contract was terminated, and to ensure that our dedicated account which housed our deposits was depleted. We did not authorize them to charge any additional fees, as we were no longer in contract with them.
02/28/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 273XX
Web
Negotiated debt with " Freedom Debt Relief " " XXXX XXXX '', same company via XXXX XXXX XXXX. Original debt with FDR was XXXX, settled for XXXX. XXXX settled this account for a fee of XXXX. Payments of XXXX per month to XXXX were to be divided between FDR and XXXX untill fees were payed in full to XXXX. At that time all payments of XXXX per month would be forwarded to FDR until the XXXX was payed. In short FDR is knowingly reporting an incorrect balance of almost XXXX to multiple credit bureaus. I did make several reports via XXXX, XXXX XXXX etc. Reports were denied due to FDR certifying that amounts were correct. Even called FDR to rectify XX/XX/XXXX @ XXXX XXXX. They proclaimed that the balance wouldn't change untill the full balance, settled amount was paid in full. They acknowledge that the balance was only XXXX and refused to accurately report this to credit bureaus.
11/22/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 14150
Web Older American
I enrolled in the Freedom Debt Relief, program, for 2 years I paid the monthly sum of {$350.00}, I was assured that my debt would be substantiated In 2018, I sold my home, I enlisted the aid of a real estate attorney to finalize the sale, upon finalization of the sale said lawyer insisted I use the proceeds for the sale to pay my debts, upon revealing my initiation into the FDR program, the lawyer denied my use of the program an insisted I pay my debts, When I reached out to Freedom Debt Relief, they refused to reimburse the funds and didnt substantiate any progress, and bitterly ended the call. Stating we have to be paid! I believe XXXX, took my money, and didnt payoff any of my debt, alas, I am at this point trying to establish the assistance of said real estate lawyer and they are refusing me any assistance as well as retaining, monies held in escrow Please help
09/24/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • NY
  • 144XX
Web
Tne first year into program things were going great. We were told to direct all inquaries from debt collecters to freedom debt relieve. We were told we have lawyers at little to no extra exspence to handle any and all issues that may lead to court. Then we get served by XXXX. Guess what XXXX wants all there money RIGHT NOW! and that " i was told not to pay my bills '' is not a defense. So we scrapped together what money we had and paid the bill to make this nightmare end. Two mouths later, at dinner time I get served again by a different debt collector again asking for all there money in full once again. My wife and I were told we would be taken care of by freedom debt relief. But when we get sued we have to settle the case not FDR. I was scammed. Now were stuck in a huge hole being sued by multiple debt collectors. HUGE MISTAKE. I want out and need a lawyer.
04/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08724
Web
On or around XX/XX/XXXX I found a fraudulent loan opened in my name. The lender, FreedomPlus, Account XXXX, in the amount of {$10000.00}. I called FreedomPlus and spent 48 minutes discussing the fraudulent account. FreedomPlus provided me with Reference number XXXX. On XX/XX/XXXX I mailed FreedomPlus a certified letter via XXXX mail XXXX XXXX, containing a Police Report, FTC report, Drivers License and Social Security Card. Along with a FCRA section 623 letter, demanding explanation of investigation procedures, proof of my signature for accuracy and verification. The letter was received on XX/XX/XXXX by by XXXX : XXXX. I havent received a single piece of documentation. Per FCRA, what FreedomPlus is doing is illegal. Its now past 30 days. I am requesting this fraudulent account be completely removed from all 3 credit bureaus as it is unverified and inaccurate.
05/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • TX
  • 79915
Web
I signed up with Freedom Debt Relief back in XX/XX/XXXX, was happy Ill be debt free and theyll help me achieve it and I will better my score afterwards, as of XX/XX/XXXX I have paid a total of {$4400.00} and what i was told as well as what I calculated I have about {$1200.00} to pay off the debt. I never looked at the statements or where the money was going and was mislead about their fees, out of the money I have paid them so far, they have only put {$950.00} towards the debt and they have {$2300.00} for themselves. It is all so misleading and confusing. They have taken my hard earned money. I want all of it back. When I first signed up they said that my credit will get better eventually, but the accounts wont fall off till 7 years. They lied to me and havent even paid off 10 % of my debt. I want my money back. I dont want to do business with them anymore
08/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NY
  • 11385
Web
Ok i was promised a settlement of XXXX to XXXX to settle my debt of XXXX their fees included now they settled one card with their fee it comes out to XXXX dollars that's no where near what They promised me/imagine when they settle the other 2 cards how much will it be and at the end of the program id probably end up paying XXXX dollars when i caught on to the scam after 9 months i asked for a refund because i was mislead they kept XXXX and now i have XXXX left in their account and they want to keep it as well i no longer want to continue the program im not in a contract and would like a refund they denied it so now im XXXX down i want a full refund Nd i want to warn everyone about freedom debt relief they tell you one thing and on the disclosure its something else i work hard for my money and they took advantage of someone looking for a way out of debt
10/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • NM
  • 87507
Web
Freedom Debt Relief has mis-led, used false marketing, and has not disclosed any information to me about my account. They charged ridiculous fees with nothing to show, collected over {$40000.00} from me did little to nothing of what was promised. Furthermore, they lied about what they could do, what they did, and what they were working on doing I cant even get copies of my agreement with them. When I log in, the website shows an entirely different account with someone elses social security number, banking information, and accounts. I closed my account and now they refuse to even tell me which accounts had settlements, and who the company contacts are. Ive wasted four years of money, energy, stress, and credit score on this company. In speaking to creditors, Ive found out some settlements were never even agreed upon! They lied, stole, and cheated me!
02/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TX
  • 77088
Web
at XXXX on XX/XX/2022, a man called me saying he was from a loan company called Freedom Plus and said I was approved for a loan, he asked for my banking information such as my account and routing number, my bank account login and password, my social security number, and he had my personal information such as where I live. He told me he was going to send me a loan of XXXX in 1-2 hours but first he would send me {$500.00} and I would have to cash app it back to him and then he would deposit the XXXX into my account. He said I would then receive the loan documents through my email and I would have to sign the documents and send them back. Once he mentioned XXXX XXXX I was alarmed so after the call ended I XXXX searched the company and called the number and they said that it wasnt true and it was a scam and to call my bank immediately and talk to them.
01/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NY
  • 14626
Web
I rolled my debt into freedom debt relief. I was impressed by the agent XXXX XXXX, I explained in a hardship situation, may have issues down the road with payments. He unequivocally stated it wouldnt be an issue. Im in a worse crisis with my sickly mom and freedom has not paid a dime to my creditors, I even was sued by XXXX XXXX XXXX and lost. Their attorney told me freedom was my power of attorney. I cant give them more money I dont know what to do. Im in a heinous XXXX XXXX XXXX XXXX situation also financial abuse and have been musing payments I call but I cant continue. I am single not that well and scared to death. They didnt even know I was sued info I found out in XXXX after a few things didnt add up. I was current then Im totally blown away now I see thieve had problems in the past. Please call XXXX I have to find another company.
08/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95835
Web Servicemember
I was told my loan was been processed for disbursement on XX/XX/XXXX. Every day since day of processing, my account has been accumulating interest even when no disbursements have been made. I have contacted the credit card companies who have stated they have not recieved any funds from FreedomPlus and does not see anything incoming as of XX/XX/XXXX. I have contacted FreedomPlus to request documentation that the loan was disbursed in order for them to charge interest. I was told they could not provide any such verification. They have refused to remove the interest off of my loan even though they have not disbursed funds. I told them I starting to feel like this is a scam and to please cancel my loan if they will not disburse. I have received no communication regarding the cancellation of my loan ... no follow up to any of my requests.
03/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • AL
  • 36535
Web Servicemember
To whom it may concern : This grievance is in regards to Freedom Debt Relief. I have been paying over {$400.00} a month for almost 2 years under the impression that Freedom would settle and pay roughly {$20000.00} in credit card debt for me. I have recently just found out that after paying a total of {$7200.00} to them, they have only paid out a total of {$1000.00} to my creditors. I have tried to reach out to the company with no success for resolution. When asked where the remainder of the funds was one representative informed me that I could view it as " being thrown away ''. After contacting the XXXX XXXX XXXX I was sent up with a " Reputation Management Specialist '' for Freedom, but I have never been able to reach them. I have called multiple times, but always get told that the person is not in the office.
04/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • UT
  • 84010
Web
This seems to be the same issue when you guys sued Freedom Debt Relief LLC back in 2019. They have pulled out over {$3400.00} from my checking account and claimed that they " settled '' accounts, when in reality they took the fees to pay themselves first and paid only {$1.00} to {$25.00} to the creditors. At this point I am filing Chapter XXXX Bankruptcy due to this and need those funds back for the services they did not provide/finish. I tried to go another route with a different debt relief company but I am already to much in the negatives. They need to give me back my funds for services they didn't even list. Please call or email me at anytime regarding this. XXXX or my cell is XXXX. I am looking at a total of {$5000.00} in damages from them ( {$3000.00} for scam fees and {$2000.00} emotional damages ).
12/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NC
  • 27707
Web
Due to several unforeseen circumstances I signed up with Freedom Debt Relief to consolidate my debt in XX/XX/XXXX.Unfortunately, what I was promised by Freedom Debt Relief was not fulfilled. I sent out written notifications & called my creditors promptly as required/requested by Freedom Debt Relief. I deposited funds into my account with FDR per our contract.I am still feeling the effects of my bad decision.FDR did not contact any of my creditors as promised regarding my consolidation program & my credit score dropped 100 points!I cancelled services with Freedom Debt Relief requested for my funds to be released immediately, since they did not fulfill their promise. Finally, after a week of back & forth, the funds were released. If you need assistance with Debt Relief this company is not the one for you.
12/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • OH
  • 44212
Web
The advertisement Ive included below is potentially false, misleading, and deceptive. The advertisement appears to suggest that, simply by enrolling in the program a consumer could receive relief of up to the amount advertised. based upon my experience. This is an unlikely outcome, and is likely to deceive the least sophisticated consumer. Although I attempted to locate information about the company so that I could complain directly to them I was unable to, and as a result, I am submitting this complaint. although I am unable to confirm it, I suspect the company is affiliated with or is in fact Freedom Debt Relief based upon on the advertisement. although the publication appears to be reasonable advice to most consumers, it appears that it was created only as a front for this XXXX advertising.
01/19/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11203
Web
I enrolled with Freedom Debt Relief in XXXX. That was the worst mistake ive ever made. Within months, my credit score dropped significantly. When i signed up, i was not made aware of how they really settle debt. They state they contact your creditors to negotiate your debt. They failed to do so with one of my creditors which resulted in me being sued by that creditor in XX/XX/XXXX. A full yr and a half of working with them & nothing was handed with that creditor. To quickly resolve the issue, i was pressured to double my payments so they could settle with that creditor. Then I realized all types of lawyer fees was taken out before paying this creditor. Now, im here living paycheck to paycheck because of their mistake & poor handling of my case. I feel deceived and taken advantage of.
11/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • MD
  • 20902
Web
This company is not paying off my debts in a timely fashion especially given the amount of money that is deducted from my bank account monthly. For example, i have a balance of well over {$5000.00} with them but they only pay {$10.00} per month on a {$230.00} bill yet they are deducting fees and keeps moving the estimated settlement dates for bills up each month. This example is one of several with my account that couldve settled. Essentially they are making money off of me for doing as little as possible to pay off my debts. This is causing me issues with job prospects because there is no solid proof that i am paying off debts. Plus they could never provide documentation that a debt is being paid off other than a generalized letter that does not address the debts being paid.
04/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20906
Web
Re : Freedom Plus Personal Loan ( Achieve Personal Loan ) I made a payment on XX/XX/XXXX to cover the XX/XX/XXXX payment due. However the company did not make my payment effective until XX/XX/XXXX because they had a system that delayed pmt effective date by 2 business days. I believe the company has now changed the system and now payments are effective 1 business days after being made. I requested the company to reverse the negative reporting, it is unfair for a customer to be penalized for a bad processing or system. Making a payment and having it be effective 2 business days after is inefficient and customers shouldt have to suffer the consequences of that. This is the only negative reporting I have from this company in nearly 3 years of my account with them.
10/12/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • CA
  • 91913
Web
Hello, Im currently a member of Freedom Debt Relief and have been a member for since XX/XX/2017. I was told that all my debt would be resolved in 5 years! I feel as though Im being scammed because I recently found out that over three years Ive deposited over {$4500.00} dollars to settle debts and only {$800.00} dollars of my debt has been paid off. Please help. They wont even give me a ledger to see where all my money has been going. They also gave me a number for XXXX to obtain my ledger but apparently their offices are officially closed due to covid and I cant get ahold of a representative. Ive been paying {$230.00} dollars a month for three years and only {$800.00} dollars of debt has been paid. This is absolute fraud. Please help. -XXXX XXXX.
10/13/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • TX
  • 77054
Web
TO WHOM IT MAY CONCERN I AM SENDING THIS MESSAGE BECAUSE I WAS NOT SATISFIED WITH YOU GUYS SERVICE. I SENT YOU GUYS ALL MY {$850.00} WHICH WAS MY RENT MONEY AND NOW MY FAMILY HAS NO WHERE TO LIVE I REQUESTED REFUND ON FRIDAY XX/XX/2021. THE PERSON WHO WAS TO RESOLVE THE MATTER HUNG THE PHONE WHILE TALKING TO ME SEVERAL TIMES. I KNOW YOU GUYS ARE NOT OPEN TO SEND MY {$850.00} TO ME TODAY SO I AM DEMANDING THAT THIS REFUND TAKES PLACE EARLY TUESDAY MORNING SO THAT I CAN PAY MY RENT. DIRECT DEPOSIT THE MONEY ASAP. ANGRY CUSTOMER XXXX XXXX I WILL NOT CALL YOU THE ONLY THING I NEED IS MY MONEY!!!!!! XXXX WAS THE PERSON WHO TOLD ME THAT HE WOULD REFUND MY MONEY ON FRIDAY XX/XX/2021!!!!! {$850.00} AND XXXX XXXX PROMISED ME {$1400.00} NEED AN ANSWER ASAP
07/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • OH
  • 447XX
Web Servicemember
XX/XX/2017 I signed up with Freedom Debt Relief, since that time they've paid off one credit card and I have about nine others to go. There are two cards that are aggressively pursuing me, one has already wiped out my entire account the other is going after my work pay. During this time they've been completely silent, even accused me of not turning in paperwork, which I did several times. I called FDR they said, I will have to handle the two cards on my own. I told them, " this is what I pay you all for '', to that they said there was nothing that they could do. They are not even making phone calls to the companies they're just watching me drown while still profiting off of me. Of the $ XXXX that I have paid them to date, I can account for {$7500.00}.
05/05/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30213
Web
I spoke with XXXX XXXX with Freedom Financial on XX/XX/XXXX regarding a settlement that was offered on my account. It was agreed that the settlement would be for {$7500.00} paid in two installments and the dates were XX/XX/XXXX and XX/XX/XXXX. It was explained to me once the final payment had cleared I would receive a letter stating that it is settled and my credit report would be updated. Since XX/XX/XXXX I have been trying to reach out to them but have been getting the run around and sent to voicemail and no return calls. My account does not reflect the payments and a few representatives I did speak to said they see the notes about my settlement and it should be settled shortly, but when I call back days later no one seems to be able to help me.
06/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94303
Web
Freedom Debt relief is asking for money ( settlement fees ) on a paid off account that I was sued for and subsequently I had to pay the credit card company directly or go to court. they failed to live up to their bargain of having their attorneys negotiate for me, which i paid them to do. they did not communicate with me in good faith as my court date approached and i was forced to pay the credit card or be sued for the amount plus court costs and attorneys fees. Freedom Debt Relief ( Freedom Financial ) failed to pay the credit card company money i had in my account as well as kept fees associated with said account. Now they are asking for money associated with this account that i Had to pay the full amount to the credit card company.
07/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • CA
  • 93436
Web
I received a phone after being online looking for personal loans. A guy said I was approved For XXXX and that they would just need to help me raise my credit score a little bit so the said they were going to deposit money in my acct I needed to return it right away so it looked like I was making a Payment before it was due. They said their name was freedom plus loan and that to get just deposited money into my account that I need to it right back right away. My bank showed a deposit and later I did covered the deposited that were made were not from that XXXX XXXX did cause the guy called my bank made claims and it was a credit towards the claims. I tried to reach back out to the number they were talking to me on and no response.
06/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30338
Web Servicemember
I have a loan with freedomfinancialnetwork.com and I am currently 29 days past due. I attempted to make a payment via the online portal and it would only allow me to make a payment on XXXX when today is XXXX. I realized this would put me 30 days past due. I called their customer support line to find out what alternative means there was to get the payment in today XXXX or tomorrow XXXX. I was informed there was no means other than their system which sets the payment posting date 2 days after a payment is made. They do not offer any other means such as a money order via next day delivery service, XXXX or XXXX XXXX where the funds are guaranteed to credit the same or the next day even though they will accept the payments.
02/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • TX
  • 752XX
Web
I enrolled in Freedom Debt Relief in XX/XX/2021. During my time in their program, they negotiated settlements with several creditors. However, for the first three debts they settled, they never discussed their fees for the settlement. I only found out after reviewing my account that I had been charged undisclosed and substantial fees on top of their monthly service charges. Once I found out how high the fees were, I would have to ask how much I was going to be charged after each settlement attempt. They never once disclosed their fees in a settlement offer, I had to ask each time. I believe these practices are highly deceptive and designed to make you to believe you are saving much more money than you actually are.
11/21/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 43220
Web
I am a co-signor on a bill consolidation loan for my daughter from Freedom Financial. She has been having financial difficulties since her mother passed away from XXXX and became depressed and got behind in her bills, so in her despair she asked me co-sign a bill consolidation loan {$7800.00}. Freedom plus loan number XXXX. They sent me a letter stating that the account was 50 days past due and threatened reporting it to my credit bureau, which they did and my credit score went down XXXX points. Now I received a second threat because I haven't paid her past due balance.. I am on a fixed income and can barely pay my own bills and they showed no empathy for my or my daughter 's situation. Very callous in my opinion!
12/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • CA
  • XXXXX
Web
My son fell ill, couldnt pay bills, so I consolidated them through freedom debt LLC, in XX/XX/2019. As a couple months went by I noticed they were not paying anything and my credit declined even more. I canceled thinking that I would get my money back thats in the program and they would not give it back. This is months later. I didnt realize that it was fraud until another credit repair company told me that what they did is fraud and Not ok in California. I lost a more then {$3800.00}. I want my money back. When talking to a lady the other day she gave me the consumers finance information and I literally wanted to cry because that company was supposed to help me ... not take advantage of me.
08/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NC
  • 28214
Web Older American
I have tried for 8 months to get the 3 credit reporting agencies to delete the late/ non payments that are listed on 3 of my accts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I agreed with 3rd party Freedom Debt Relief to pay off these 3 debts and they made many ( 10-12 ) late/non payments which now shows up on my Credit Report I paid off Freedom Debt Relief and all 3 of these accts HOWEVER these Late/non payments are on my Credit Report and hurting my credit score when I was NOT AT FAULT I need these deleted NOW I am trying to buy a house now and my scores will be much higher when these are removed All of this is well documented and URGENT that it be Corrected Thank YOU
07/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75254
Web
Freedom financial has harm my credit by reporting I have a outstanding balance With then after I never accept there loan. I have been lied to repeatedly but there customer service team. They refuse to give me documents to show my loan is balance is XXXX. This company has ruin my ability to get funded elsewhere due to this loan being place on my credit report as a open high balance account. I never wanted the loan from them they retaliate by waiting three weeks then reported to the credit bureaus. They refuse to acknowledge what they have done or take accountability for the lies I have been told. Lending tree refuse to all or me to put up a honest review on this company also
08/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
  • KY
  • 40509
Web
I have been trying to work with this company for 2 years. They have done absolutely nothing for me. I have paid them a large some of money. They refuse to respond to my emails. I have not heard from them in a very long time. They agreed to refund some of my money but that was months ago. They only deal with my friend but we are getting the runaround from them. All the information online was misleading. I did not get access to the client dashboard. I never received any paperwork. I did not get a separate account. Paid for priority mail and never received anything. I kept sending copies of the letters from debtors and they kept saying everything was taken care of.
01/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • 91750
Web Older American
we signed up with freedom debt relief to help resolve our debts. we paid into an account from which freedom debt relief was to settle our debts. other than paying a monthly fee when freedom debt relief negotiated a settlement with a law firm representing XXXXXXXX XXXX. freedom debt relief charged us {$3500.00} as a fee immediately upon agreei g to settlement. Freedom debt relief took the {$3500.00} from our account long before the agreed upon debt was settled. the other issue is that once we paid freedom debt relief fee and negotiated debt we would ow more than the initisl debt. We terminated our association with freedom debt relief because of this unethical practice.
03/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70461
Web
I Have contacted XXXX and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 1. XXXX acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. Louisiana XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. Freedom Plus Acct num XXXX reporting {$15000.00} should be {$0.00}
11/17/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • MD
  • 21218
Web Older American
I decided to put all my bills together.with freedom debt relief and was told that my payment was be between 24 -- -48 months for {$380.00} and it will be all paid up.I have already paid 27 payment.and now freedom debt relief is asking for another 30 payments and want me to agree for another 30 months .I m not doing another 30 months. when that was not told in the beginning .I told a different story from freedom debt relief.they are say one thing 24-48 and saying 58 months I will be fixing XXXX and started in XX/XX/08 XXXX that not right I needed some help please.that what I was told in the beganing freedom debt relief 58 months when that is not in our contracted
09/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90266
Web
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : FREEDOM PLUS XXXX Date opened XX/XX/XXXX Balance : {$4600.00}
06/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • FL
  • 32068
Web
I started with Freedom Debt Relief in 2018. I also was on XXXX every week that year. I only had XXXX in debt and they promised to call the creditors, which they never did. They also said my credit would go up and since 2018 it is still in the high XXXX XXXX, they are misleading and never called my creditors, they then switched me to Consolidation Plus, which is the same company. I have paid them XXXX a month since 2018 and my credit never changed. I have called multiple times because I can't afford to pay them anymore. I lost my job from the pandemic, I can't get a job because of my credit score. This company is the worst, nobody should ever use them.
03/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • UT
  • 84010
Web
Freedom Debt Relief has taken out several thousands of dollars out of my deposit account for there " service fees '' prior to settling multiple accounts. I have moved my business to another debt relief company. I have tried multiple times to get the fees back for the settlements that they didn't fully settle but they think they have a right to the monies. They did fully settle one settlement but for two others they took out the fees upfront. I am looking at close to {$2000.00} in reimbursement from them and any other attorney fees. Also some compensation for losing time off work, effecting my emotional state another {$1500.00}. Total for {$3500.00}
12/16/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30083
Web
I am a victim of identity theft. FREEDOM PLUS aka XXXX XXXX XXXX is reporting to credit reporting agencies an account that I did not initiate as I have never made any business transaction ( s ) with this company. Attached is my Affadavit Of Fact & Identity Theft report validating my position & I offer an Affadavit of Fact in rebuttal to be signed by FREEDOM PLUS/XXXX XXXX XXXX that rebuts my position. While the burden of proof lies with FREEDOM PLUS/XXXX XXXX XXXX I am willing to pay any amount owed plus 75 % interest upon FREEDOM PLUS/XXXX XXXX XXXX presenting a verified ( sworn under oath ) statement attesting to the validity of a debt owed.
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • FL
  • 34667
Web
Sometime in XX/XX/2021, we contracted freedom debt relief. We placed XXXX in debt with them they have negotiated 9 accounts with anywhere between 36 and 48 months they have paid out to my creditors XXXX but have taken in fees over XXXX. In XXXX I was asked by an attorney that freedom debt relief chose for me to put XXXX in the account to settle a legal account. After speaking to my wife we borrowed the XXXX and placed it in the dedicated account on XX/XX/XXXX but the money did not clear the bank until XX/XX/XXXX. Freedom debt relief then proceeds to debit the account for XXXX and does not take care of the legal account. my case number is XXXX
03/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • MT
  • 594XX
Web Older American
We have been working with Freedom Financial Network, XXXX XXXX XXXX XXXX XXXX, AZ XXXX for several years now and for the most part, we are somewhat pleased with their performance but Unfortunately, this is not the case in yet another situation we received an IRS form of a debt cancelation of a debt that was negotiated and paid in full but the issue is that the debt actually belongs to someone else the last four of socials don't match, so we have been in fact paying someone else 's debt I would think when one supposedly runs the credit file with the client 's social we should be paying on that social this is not the case.
08/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • 92591
Web
Since XX/XX/XXXX till this date XX/XX/XXXX a period of 17 months, Freedom Debt Relief had automatic withdrawals of XXXX twice a month out of my checking account but there was no activities or transaction payments made to my creditors during that timeframe. I started using Freedom Debt Relief XXXX of XXXX. I called numerous times to get information but was always put on hold for a minimum of 30 min each time. Was told i would get a call back from management but never did. Recently ive asked my bank to stop payment until i can get through to someone at Freedom Debt relief to cancel my account.
04/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • MD
  • 20902
Web
At Freedom from Debt Relief program, currently there is {$5900.00} in my dedicated account to pay off a settled debt of {$5900.00} which will leave a balance of {$61.00} due to be debited from my checking account XX/XX/2022. My account with them will have the exact amount through which the balance of {$5900.00} can be paid. They are refusing to pay off the debt with the available funds and are looking to debit more funds from my checking account. Friday XX/XX/2022 is the last payment in which {$61.00} will be debited from my account because that will be final amount owed to the settled debt.
09/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • XXXXX
Web
My husband passed away on XX/XX/XXXX and I was unaware of a consolidation program with consolidation plus. My husband was working with freedom debt but I was unaware of the process and what was needed. I reached out to Freedom debt once my husband passed but they stated the process is with Consolidated debt whom I never heard of. My husband had been in out of the XXXX since XX/XX/XXXX. He was on lots of XXXX XXXX for XXXX XXXX XXXX XXXX as well as a XXXX XXXX. Now XXXX XXXX is still sending him bills and is not willing to close the account even though I provided his death certificate.
11/22/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • XXXXX
Web Older American
Freedom FinancialXXXX XXXX XXXX tried to make a principal payment- the system will not let me. They will not take the payment over the phone. This is a simple interest account so if I make principal payments they get less interest- they will not transfer to a supervisor. They tell me they can not accept the principal payment until I make the next month 's full payment. In addition, I asked for a complete accounting of where and how the money was distributed and they could not give me one. This is highway robbery. How can a company stop you from making a principal reduction payment?
05/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • PA
  • 17111
Web
I called freedom debt relief to cancel monthly ACH due to me losing my job they said I can't and I can only reduce the Amount and I should be calling them monthly to reduce, I called XX/XX/XXXX to reduce its to {$20.00}, and they confirmed. Today I checked my account they withdrew {$780.00} without my approval, causing an insufficient fee charge of {$30.00} from my bank and another {$35.00} from my mortgage company I had schedule a mortgage payment which bounced. Please I need your help, Freedom Debt Relief has being charging fees for non negotiated settlement and other fees,
10/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NY
  • 107XX
Web
Freedom debt relief called me in XX/XX/XXXX ( XXXX XXXX ) and sold me a dream on how they were going to consolidate my debt and it would only cost 12 dollars a month. come to find out they have taken over XXXX and only XXXX has gone towards my debt the rest they have kept. and said its they fee. They started taking money from me in XXXX XXXX XXXX and XXXX XXXX dollars a month unit XXXX. for a year. Theses people are scam artist. My credit score was XXXX when i started with them now its XXXX because instead paying the debt they keep them money. SHAME ON THEM.
08/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • CA
  • 90221
Web
I open an account with Freedom Debt Relief to consolidate my debt. My first payment was deducted out of my account in XXXX of 2018. My account shows that 2 accounts have been resolved, but when I look into details, I show that 3 payments have been made in full. This does not match my dashboard. The settlement amounts are less than the amount that the company claims has been paid. Im addition, my credit score stays the same or gets worse as time goes on. I reached out to Freedom Debt Relief in hopes of bettering not only myself, but my financial situation.
11/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • CA
  • 91352
Web
Yesterday I filed a complaint with cfpb about Freedom Debt Relief. The case number is : XXXX. CFPB contacted Freedom Debt Relief LLC to resolve the matter. However, my payoff amount with XXXX XXXX XXXX was {$390.00} before contacting CFPB. Upon looking into my dashboard on the Freedom Debt website, the payoff amount has changed to {$420.00}. Also, I think they may be hiding some of the money that I deposited into their account. Is there any way that cfpb can audit this company to make sure that they are not stealing funds from customers?
09/28/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TX
  • 76036
Web
Receiving scam emails from someone claiming to be Freedom Debt Relief. I called the real company and told them about the emails I had received and they even said it was a scam. This email claims I owe money and if I do not pay they are taking me to court or I could be arrested by law enforcement or they will take my wages.The phone number on the email to call is XXXX. I replied back to the email asking for proof of debt and of course they couldn't provide anything. Email is coming from XXXX -- -- -- SCAM SCAM SCAM SCAM SCAM.
03/16/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91205
Web
Called XXXX to tell them they were settling my debt for way higher than what the creditor were ask for. For example, a XXXX was asking for XXXX and they settled it for XXXX. I rejected the offer and it said they I did. And on top of that they were going to charge me a XXXX fee. They also did this with my XXXX XXXX debt with creditor offered XXXX and they had a settlement of XXXX. They have been doing this also with an old debt for XXXX and they were settling for the PIF of XXXX when the creditor offered XXXX. Please advice.
12/10/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
  • NC
  • 28451
Web
Resolved debt through XXXX XXXX XXXX selected by debt reduction company Freedom Debt Relief in XX/XX/2019 for {$11000.00}. The precedings were held in XXXX, NC. The law firm as well as XXXX have filed documents concluding the debt collection. Freedom Debt Relief has not acknowledged the resolution and they have not adjusted my account. I have called and emailed several times but they have not performed their duties in accounting for the debt resolution. They wish to continue drafting my account monthly and collecting fees.
10/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • AZ
  • 85257
Web Older American
instead of closing accounts and working on existing balance FREEDOM DEBT RELIEF, allows the accounts to charge late fees until maxed out then over limit AND late fees I sighed up with XXXX divorce settlement payments. now 2 YEARS LATER my balance is OVER $ XXXX this after {$250.00} a month payments THIS COMPANY MUST ACTUALLY BE WORKING FOR THE CREDIT CARD COMPANY 'S most of these cards still had credit available not maxed out! NOW I OWE DOUBLE on what I started with. DEFINATLY A SHADY outfit. FREEDOM DEBT RELIF, XXXX AZ.
12/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • 392XX
Web Servicemember
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, unauthorized inquiries should be removed immediately.
08/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • CA
  • 94019
Web
Freedom debt relief sent an unsolicited email. In the bottom, the unsubscribe now footer as needed under cupboards guidelines was there, but was a jpeg that opened a new browser that sent me to their site, but no email removal is visible. The only option is to go to contact us and chose generic email addresses and send one to ask to be removed. I have done this several times in the past, and still am receiving these unsolicited emails I also did not request anything from a XXXX account which is fraudulent and wrong
08/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 01902
Web
in accordance with fair credit reporting act XXXX freedom financial account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my rights.. 15 usc 1681 section 602 states i have the right to privacy... 15 usc 1681 section 604 a section 2 ; it also state a consumer reporting agency can not furnish a accunt without my writtren instructions. 15 usc 1666b ; a creditor may not treat payment on acredit caed accoun under an open en consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX
12/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • OK
  • 74403
Web Servicemember
I began using freedom debt relief to try and settle debt after a separation and ongoing divorce. I noticed that I had paid nearly {$250.00} in fees for one month, with a projection of {$97.00} for the next month while only paying down on one debt. They charged excessive fees, and when I called to cancel my account and withdraw remaining funds I was told there will be more fees and that they will return the balance in around 3 weeks. Completely unhelpful and refusing to give back money that is not theirs!
10/28/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • MA
  • 02453
Web
Hi I had a problem with freedom debt relief I been calling them a lot each keep saying we gon na call you back but never call back this is the problem they made settlement for me for credit card and than I give them money but they doesn't pay four payments to my credit card and than I received a letter from my credit card said need another settlement because you missed 4 payments i said its not my fault its freedom debt relief fault they took my money from the bank they doesn't pay the four payments
09/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • TX
  • 791XX
Web
XX/XX/2022, XX/XX/2022, XX/XX/2022. I was told by the employees at freedomplus that my credit score would not be affected. I was told they would only pull a hard credit check if I took out a loan. A hard check shows up under XXXX. freedomplus.com 2022 Freedom Financial Asset Management , LLC. All Rights Reserved. XXXX XXXX XXXXXXXX Main Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Branch Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Mailing : XXXX XXXX XXXX XXXX, AZ XXXX
12/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 366XX
Web Servicemember
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A Section A Section 2, it also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose
10/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • VA
  • 22191
Web
I enrolled with Freedom Debt Relief XX/XX/2018. They made extensive promises to settle my debts within 6 months. After just one year, they only settled one debt, and I have been taken to court three times by creditors. Each time Federal Debt Relief said there was nothing they could do, even though I also purchased their legal services. My credit score has dropped by over 100 points, my debts are behind, but the company has charged me a myriad of fees. It has been a complete nightmare.
07/28/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33914
Web
I went with company spent alot of money and only one of my debts were cleared, i gave XXXX a month for over a year. I talked a gentleman he said is there any money that they keep on hand, so i called and nothing was done, so i still have alot of debt and thought most of it was handled with freedom debt relief, not sure what has happened but i know i spent a bunch of money, i dont want to get anyone in trouble I just want my credit score back and money what is owed to me thankyou XXXX
08/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19464
Web
Disputed identity theft account on my credit report with XXXX and with a cheese personal loans on the first week of XXXX. XX/XX/XXXX the information was blocked removed by XXXX and on XX/XX/XXXX this information was verified by achieve personal loans, and placed back on my credit report. Achieve personal loans didnt response to my dispute within 30 days nor did they response to XXXX within the time frame allowed either to which is a violation under 15 usc 1681a ( 5 ) ( i ) ( ii ).
07/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • OK
  • 74014
Web
I previously had a loan with freedom plus.com when I was a company employee is employee for Is the trucking company I worked for. I recently paid the loan off early Under the self employment that I currently have now. I went to freedom plus.com to inquire about a another Loan and they're refusing me for debt to income ratio for the tax year 2020. Being that I didn't have enough time in self employed they're refusing me for a XXXX. They have also made a hard inquiry on credit score.
10/11/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33411
Web
XXXX XXXX/Freedom debt relief. My husband and I, signed up with this company to negotiate with creditors for XXXX accounts. We canceled this because we found out, our money being deposited to XXXX XXXX ( our dedicated account ) every month, directly from our bank, only took money for their fees, and only XXXX small accounts, were negotiated and paid!!!! We have documents that can prove all this and our 3 credit bureau files. We are yet again, victims of fraud and scams.
06/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07740
Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
07/31/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07112
Web
they told me they were going to fix my credit and settle the accounts however they stop paying monthly payments and my credit went way down then they told me to settle the accounts myself which I did and then they placed me inside another company which works with them for a higher interest rate and promised me 2 years debit free and now come to find out another 3 years I will be in that company called consolidation plus which they are mother and daughter companies.
05/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • NY
  • 11365
Web
My complaint is against Freedom debt relief. This company has been charging me excessive fees that I was not aware of it. I pay monthly {$300.00} and they take only {$70.00} for my debt and they keep the rest as a settlement fees. I called customer service and they were rude and I have gotten 2 different responses in regards my payments. I was only aware of a small fee charge for the settlement but what they are doing is completely wrong and misleading.
05/23/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • PA
  • 173XX
Web
This company calls me every single day, multiple times a day, mostly at XXXX XXXX, but has recently been calling past XXXX, with the worst incident being after XXXX pm. The caller says that their name is XXXX XXXX and to call her at XXXX. I have explained the situation to them multiple times, however they will not leave me alone. They have yet to communicate with me through mail. Doing business with them was one of the biggest mistakes I have ever made.
10/26/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Didn't provide services promised
  • TX
  • 770XX
Web Older American
In XXXX I enrolled {$36000.00} credit card debt with Freedom Debt Relief, this was based on their statement that they should be able to settle these debts for approximately {$20000.00}. I have been paying {$540.00} a month and now am at {$27000.00} paid in with them saying I need to pay for another year which will brig my payments to {$36000.00}. As mentioned I have requested an accounting from them but am told I need to contact their bank.
10/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NC
  • 27253
Web
Freedom Debt Relief contacted me and told me I had {$13000.00} worth of credit card debt that they would work with creditors and I would pay only {$6500.00} and it would be listed on my credit report as paid in full and closed by customer.As of now I paid FDR {$4500.00} and XXXX XXXX there sister Company {$6300.00} and there are 8accounts marked negative charge off on my credit report at all 3 credit Agencies ... I need help
03/17/2020 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 23832
Web
Ive been with Freedom Debt Relief for 38 months and have deposited XXXX into the program with an enrolled debt of about 52000. To this date Freedom Debt Relief is telling me I still owe XXXX. Im asking where did the XXXX go and they just tell me I missed payments but if I gave XXXX I should have more debt resolved than just basically XXXX. I just need answers and I finally stop service but I want my debt resolve or a refund.
10/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 290XX
Web
I have three unauthorized hard inquiries on my credit report, and after months of trying to ask XXXX and XXXX to investigate them, they won't take any action. I sent nine letters and seven phone calls to dispute these hard inquiries with no luck to investigate/remove them from my credit report. I never authorized these inquiries. I have no idea what type or kind of loan they are or banks. Never applied and never authorized.
02/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • FL
  • 32909
Web
I have written this email 3 times asking them to stop emailing. Never did we request information form them. There is no longer an opt out on their email either. My computer blocks all of their links they send in the email. This is the email address all of the emails come from XXXX. FreedomFinancialNet XXXX I just want them to stop emailing as I am sure it is a scam and worried they are getting information from my computer.
08/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • MO
  • 630XX
Web
I went to freedom debt relief after paying my credit cards half on my cards and even paying some in full only to find out my estrand husband ran all my credit cards up behind my back so i reach out to freedom debt relief was in program 21 months they took XXXX dollars from me only to find out they had done nothing but. took my money my check started get garnish i started getting judgements now im about to be homless
06/01/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • NC
  • 28214
Web
On XX/XX/2020 I canceled my debt collection program with Freedom Debt Relief due to hidden fees. I was aware of a {$12.00} fee, but was not aware of the additional fees for a monthly service fee {$9.00} and a settlement fee of {$370.00} for just reaching a settlement with the debt collector. Total monthly fees for {$400.00} for XX/XX/2020. FDR is full of lies and should not be doing business in the United States.
12/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • FL
  • 34668
Web Servicemember
about two weeks or more i cancel my account with freedom debit and got n confirming email from them it was canceled but still they took {$110.00} out of my account today XX/XX/2020 ask for my money back and have no answer from them on this problem i have problems before with this company and have not solved them as to they took out the money and overdraft daft my account after i told them cancel it for {$40.00}
09/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90266
Web
ACHIEVE PERSONAL LOANS XXXXXXXX this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
03/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30309
Web
When I went to view my credit report someone have fraudulently opened a account in my name without my permission. I filed a police report and a identity theft report and listed Freedom Plus as one of the companies that is a part of the Identity theft. I have tried calling the company and have not been able to get this issue resolved. This account was opened in my name and my husband name fraudulently
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • CA
  • 94403
Web
freedom debt relief promised me debt free in as little as 48 mos and i already completed paying them 48 mos, and still asking more time and payment and found out they charged me exessive fees and more fees total money i gave them not even half goes to my creditor i called them and the solution they did was to terminate my contract which i believe shoul have been completely done not terminated
12/01/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NY
  • 10473
Web
Freedom debt relief did not get permission to settle a XXXX XXXX XXXX account for me. I called freedom debt relief and sent numerous letters to to them their services were not wanted due to the unprofessional representation. I never consented to any settlement on XXXX XXXX or any credit cards and I do intend to file criminal charges for falsely making a settlement with my consent.
03/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • PA
  • 165XX
Web
Freedom Debt RElief has taken over {$4000.00} from me - charged me over {$2000.00} in fees. They also kept changing my withdrawal dates without telling me causing NSF fees to post to my account and make me go negative. They were not clear on what I was getting into. I had to fight to get them to cancel my program ( asked for months ) and only then did I see the outrageous fees.
01/26/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 38127
Web
In XX/XX/2022, I received a settlement letter from XXXX attorney it was forwarded for settlement to Freedom debt relief so they could pay them off but they took no action and did not pay them off and they fail to reply to me why no action was taken. Today I'm still waiting on a response to settle this account. this company fail to settle my account as I requested.
02/11/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 84020
Web
My Husband and I used Freedom Debt Relief to settle our credit card accounts. We were able to successfully complete the program in XXXX, 2019. Our account has an balance of {$510.00} that was supposed to be returned to us among completion of the program. Despite several attempts to retrieve these funds that are due to us, we have not received the funds.
02/03/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92704
Web Servicemember
I was enrolled with freedom financial and one account for XXXX XXXX XXXX was so called settled. Started XXXX. I left the program in XXXX. Bankruptcy was completed and the whole amount was included. A check was sent to their address from third party XXXX ( XXXX ). I never received it .so I need an audit based off of the complaint against this company.
02/22/2022 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33025
Web
XXXX XXXX XXXX, XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of {$9700.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
08/21/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • WI
  • 531XX
Web
Initial complaint filed against Freedom Debt Relief on XX/XX/XXXX case # XXXX regarding an incident from XXXX to XXXX where they collected over {$34000.00} from my husband and I, but failed to pay any of our debts. It is all spelled out in the attached documents. I am submitting a second complaint as they failed to respond to the first complaint.
04/18/2023 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • MI
  • 482XX
Web
Today at XXXX EST I received a phone call from a local area code. A robot named XXXX told me she was calling from a non profit company called Freedom Debt Relief and connected me with an agent. I asked him if they were indeed a non profit and he said no. I suggested they update their VRU and he ignored me, continuing with his sales script.
09/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IA
  • 50131
Web
I file bankruptcy on XX/XX/23 and received a XXXX XXXX discharge on XX/XX/23. The personal loan with XXXX was included in my bankruptcy. The loan is unsecured and was discharged. I file 2 credit disputes on XXXX and XXXX to have this removed since I did not reaffirm the loan. Both disputes have been closed and the loan is still reporting.
06/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33844
Web Servicemember
received a letter from Freedom Plus in care of XXXX XXXX with attempt to issuing a loan. When calling FreedomPlus they advised me that there marketing team is conducting soft pulls to get people to take advantage of loans. I need this to stop and removed me from any soft pulls or anything in the nature of credit when not authorized.
06/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • TX
  • 75040
Web
Hello good evening My names XXXX I just need to dispute inquiry type Im ask for personal loan they approved me first but after I give my information account number and routing number they can funds the money to my account they reject for no reason and add hard inquiries under my credit report I need to Remove this inquiry Thank you
09/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • CA
  • 923XX
Web
Freedom Debt Relief charged over {$24000.00} in fees. I was advised to ruin my credit and was receiving lawsuits. When I realized all my money went to fees and my debt was not being reduced I filed bankruptcy to resolve the lawsuits. Only one account for under {$300.00} was resolved by them. They refuse to refund any fees.
10/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • MD
  • 21216
Web
I am currently involved with Freedom Debt Relief ( FDR ) to pay off the balance of my credit cards. I have been enrolled with FDR since 2019. My credit cards are being situated and hope that you can look into this so I may be approved for the apartment. If any other information is needed please let me know. Thank you.
11/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • TX
  • 79905
Web
FREEDOM DEBT RELIEF HAS NOT REFUNDED MY MONEY. AFTER I SUBMITTED MY INITIAL COMPLAINT TO THE CFPB, MY INFORMATION WAS SOLD AND I HAVE BEEN GETTING EXCESSIVE EMAILS AND PHONE CALLS FROM FREEDOM AND ITS AFFILIATES. I DO NOT WANT THIS COMPANY HARRASSING ME. I NEED THEM TO SEICE AND DESIST AND I NEED MY REFUND.
05/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • MS
  • 39532
Web Servicemember
I Signed up with Freedom Dept Relief, in I think 2018 Freedom dept relief, said that I pay them and in turn they would pay off my Creditors. What happened was that I paid Freedom Dept Relief monthly, They did nothing with my Money, except ruin my Credit, My depts were not paid and my credit was ruined
03/22/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33647
Web
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
11/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • PR
  • 00791
Web
I made a contract that says in 48 month paying {$210.00} Fredom debt relieve could make deals with 3 creditors. Total amount of debt is {$12000.00}. They made deals with 2 of 3 creditors, i finish my 48 month term and now they asking for {$5000.00} more to make deal with the third creditor.
12/06/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or missing disclosures
  • VA
  • 246XX
Web
Freedom Debt Relief misled me about their ability to negotiate ( or lack therof ) with certain credit card companies. On top of that, I think I am owed money where they took settlement money in advance and were recently fined for it. I can provide documentation of the dedicated account.
09/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20602
Web Servicemember
Freedom Debt Relief was helping us with our bills we were paying them {$1000.00} a month to to consolidate our bills. We thought they were paying our bills but they were just paying them one at a time but the rest of the were not paid. Then the rest of the bills got late on payment.
04/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MD
  • 206XX
Web
They stole {$1000.00}. The sent the money originally to verify the account the used XXXX XXXX to send the money back and then the original deposit rejected. The called themselves freedom plus but they had accents like they were from XXXX or XXXX. They had a XXXX area code.
06/16/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • CA
  • XXXXX
Web
When I signed up with the company I was told there would be no additional fees. Also, I was never told that the company takes their settlement fee first and then pay the creditor. It seemed like a scam that freedom debt relief paid themselves before they paid the creditor.
12/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30102
Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
09/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 33409
Web
Back in XX/XX/2022 I got XXXX XXXX I behind in payment I miss my first payment last mth and knw they Gon report it late too da credit bureau I had covld I was down fa 2 month so I was not ingonein them I was out n no work I wnt too pay and get bk on track
10/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • TX
  • 79905
Web
On XX/XX/XXXX XXXX XXXX from Freedom debt relief took my money after givingme false information. All the debt they claimed to be settling, was not mine. I've tried getting a refund but I have been hung upon, every time I ask to speak to a supervisor
11/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 94533
Web
I request that 4 companies XXXX Bank, XXXX XXXX XXXX XXXX XXXX and Freedom Plus not to report to any Credit Reporting Agency 's Pursuant to 15 USC 1681 where I have the right to opt-out of reporting any payments, history or any account information.
11/21/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 124XX
Web
I have used Freedom dept repeat company to negotiate a settlement with the credit card company. They turned it over to a collection agency while negotiating a settlement. They then agreed on a settlement. I was never informed of a collection.
09/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95348
Web
On XX/XX/2019 I was issued a paid-in-full letter from Freedom Financial. They continue to report an incorrect balance of {$12000.00}, when, in fact, there is XXXX balance due to them. I have paid the account in full and I was never late.
04/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • MT
  • 594XX
Web Older American, Servicemember
been with debt resolution company for 6 months now and they claim to not be able to handle the business of original agreement. I feel i am being given the runaround and they still expect the payment to be made please advise.
04/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 906XX
Web
I XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.
05/25/2023 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77066
Web
They told me they will help me with my debts and they took {$870.00} from me and they only paid {$160.00} for the creditor. They took all the money claiming that is their commission.
07/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • 956XX
Web
I was a victim of the freedom debt consolidation company. And I was never contacted by your company about money owed to me. Id like a call back please XXXX
10/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • IN
  • 46323
Web Servicemember
Freedom debt relief has ruined my credit. they may have a lawsuit against them. Need help getting my money back. How do i get my money back.
09/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MD
  • 21222
Web Servicemember
checked credit report and saw Acheive personal loans nerver had a loan with that name, please remove asap under section 18 of FTC act asap.
10/30/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • GA
  • 30045
Web
I sent the company Achieve Loans a cease and desist letter to stop contacting me and they are still harassing me everyday.
10/23/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • AZ
  • 85040
Web
Would like to please be a part of the class action if I qualify since I had an account with Freedom Debt Relief.
08/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • AL
  • 362XX
Web
Freedom debt relief has been charging us for over a year now for services that was not explained
12/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KY
  • 410XX
Web Older American
This loan was not signed by my signature was forged by my ex wife I never agreed to this loan
02/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30294
Web
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.
02/05/2024 Yes
  • Debt or credit management
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • NM
  • 870XX
Web
02/03/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 18640
Web Older American, Servicemember
01/25/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30004
Web
01/18/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90277
Web
01/05/2024 Yes
  • Debt or credit management
  • Credit repair services
  • Confusing or missing disclosures
  • MD
  • 20770
Web
12/27/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Charged upfront or unexpected fees
  • CA
  • 94127
Web Older American, Servicemember
12/19/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AL
  • 35094
Web Servicemember
12/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11575
Web
12/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90062
Web
12/07/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20744
Web Older American, Servicemember
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10018
Web
12/05/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Problem with customer service
  • NY
  • 10470
Web
12/04/2023 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • TN
  • 38351
Phone Older American
11/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • XXXXX
Web Older American
11/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10018
Web
11/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • CA
  • 91977
Web Older American
10/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23462
Web Servicemember
10/17/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • NV
  • 89149
Web
10/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MN
  • 56579
Phone
10/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95376
Phone Older American
10/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77384
Web
09/27/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Didn't provide services promised
  • DE
  • 19701
Web Servicemember
09/27/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Didn't provide services promised
  • FL
  • 32174
Phone
09/23/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44108
Web
09/23/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • NJ
  • 08691
Web
09/13/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Didn't provide services promised
  • PA
  • 15216
Web
08/28/2023 No
  • Debt or credit management
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • PA
  • 15237
Web
08/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44108
Web
08/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 02125
Web
08/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MA
  • 01945
Phone
08/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • RI
  • 02907
Phone
08/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • TX
  • 78102
Web Servicemember
07/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • DE
  • 19970
Web
07/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 90064
Web Older American
07/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NY
  • 10027
Web
06/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27704
Web
06/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91791
Web
06/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33755
Web
06/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70471
Web
06/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • TX
  • 76135
Web
06/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • IN
  • 47714
Phone Older American, Servicemember
06/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20774
Web
06/10/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78584
Web
06/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35022
Web Servicemember
05/31/2023 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • MA
  • 02148
Web
04/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • PA
  • 15206
Phone Older American
03/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 31210
Web
03/14/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11787
Web Older American
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • IN
  • 46074
Phone
03/07/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 99350
Web
03/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 02145
Web
02/24/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27807
Phone Servicemember
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • NY
  • 11205
Phone
02/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • NJ
  • 08753
Web
02/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 94531
Web
01/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 71104
Web
01/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NY
  • 10598
Web
12/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • SC
  • 29115
Web
12/20/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • AZ
  • 85043
Web
12/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MO
  • 65440
Web Older American
12/13/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MT
  • 59808
Referral
11/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30345
Web
11/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Called before 8am or after 9pm
  • FL
  • 32405
Web
11/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • NY
  • 10306
Postal mail
11/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • AR
  • 72086
Web
11/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Problem lowering your monthly payments
  • PA
  • 19008
Phone Older American
10/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10701
Web
10/23/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NY
  • 115XX
Web
10/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75104
Web
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10309
Phone
10/12/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • FL
  • 33759
Phone
10/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30083
Web
09/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • FL
  • 33411
Phone
09/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NY
  • 11379
Web
09/15/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MO
  • 65583
Web Servicemember
09/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 02140
Web
08/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TX
  • 76825
Web Servicemember
08/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • MT
  • 59860
Phone Older American, Servicemember
08/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 21113
Phone Older American
08/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27407
Web
08/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33713
Web
08/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 94531
Web
08/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94954
Web
07/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NC
  • 28173
Web
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 27360
Web
07/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
  • NC
  • 28227
Phone Older American
07/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33027
Web
06/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • CA
  • 94564
Postal mail Older American
06/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • XXXXX
Web Older American
06/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 35228
Phone
05/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • FL
  • 33781
Phone Older American
05/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 14626
Phone
05/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • OH
  • 45324
Phone
04/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 92115
Web
04/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • MD
  • 21221
Web
04/25/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 730XX
Web Older American, Servicemember
04/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02302
Web
04/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91730
Referral
04/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91605
Web
04/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • LA
  • 71111
Phone
03/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • NY
  • 10030
Phone
03/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AZ
  • 85395
Web
03/22/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 36526
Web
03/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or missing disclosures
  • LA
  • 70403
Phone
03/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30127
Web
03/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60050
Web
03/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75235
Web Servicemember
03/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92545
Phone Older American
03/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • VA
  • 20110
Web Older American
02/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • AZ
  • 86401
Phone Older American, Servicemember
02/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27292
Phone Older American
01/18/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NY
  • 11373
Phone
01/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IA
  • 50237
Phone
01/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • FL
  • 33413
Web
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • TN
  • 37745
Phone
12/30/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • TN
  • 38101
Phone Older American
12/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90277
Web
12/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02119
Phone
11/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • VA
  • 23701
Web
11/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 34771
Web
11/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • AZ
  • 85249
Web Older American
11/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33413
Web
11/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76059
Phone
11/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91205
Web
11/02/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10523
Web
10/30/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49508
Web
10/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30342
Web
10/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • MD
  • 21237
Web
10/21/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76354
Web Older American, Servicemember
10/20/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MD
  • 20619
Web Older American
10/08/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33444
Web
10/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Problem lowering your monthly payments
  • AZ
  • 85122
Web
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • MO
  • 63034
Phone Older American, Servicemember
09/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • CA
  • 95747
Phone Older American
08/25/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 920XX
Web
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • TN
  • 38135
Phone Older American
07/24/2021 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94102
Web
07/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • MS
  • 39111
Phone Servicemember
07/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33837
Web
06/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91207
Web
06/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91381
Web
06/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • PA
  • 15136
Web
06/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 22204
Web Older American, Servicemember
05/31/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • AL
  • 35978
Web Servicemember
05/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02170
Web
05/16/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10950
Web
05/11/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 02152
Phone
05/05/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 12901
Phone Older American
05/04/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75220
Phone
04/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • CA
  • 91342
Web
04/24/2021 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • TX
  • 77382
Web Older American
04/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • NC
  • 28451
Web
03/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • AZ
  • 85748
Phone Older American
03/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • AL
  • 36116
Phone Older American
03/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • CA
  • 92677
Web
02/18/2021 No
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • TX
  • 77382
Web Older American
02/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30024
Web
01/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30094
Web
01/10/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60546
Web
12/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30342
Web
12/22/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • NY
  • 10031
Web
12/21/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 63033
Phone Older American
12/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • OH
  • 44081
Web Servicemember
12/07/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • OH
  • 45247
Referral
12/03/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
  • TX
  • 77077
Web
12/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • CA
  • 94301
Postal mail
11/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
Phone
10/29/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 38603
Web
10/27/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • CA
  • 94591
Web
10/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • CA
  • 90004
Web
10/15/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 14607
Phone
10/15/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • AZ
  • 85747
Postal mail
09/30/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • FL
  • 32714
Web
09/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
Phone
08/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NY
  • 12201
Web
08/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
Phone Servicemember
08/07/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • MA
  • 01610
Phone Older American
08/05/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 23113
Web
07/29/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • CA
  • 92404
Postal mail
07/22/2020 No
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • MN
  • 55404
Web
07/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • VA
  • 22209
Web
07/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NM
  • 87113
Phone Servicemember
07/02/2020 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • NM
  • 87508
Web
05/19/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
Fax
04/22/2020 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
Phone
04/15/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • NY
  • 10463
Web
04/15/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • MD
  • 21619
Referral
04/01/2020 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 65284
Postal mail
03/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • PA
  • 16507
Web
03/12/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
Phone Older American, Servicemember
03/05/2020 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
Phone Older American
02/20/2020 No
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • CA
  • 94550
Web
02/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • FL
  • 34983
Web
01/23/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • TX
  • 78728
Postal mail
01/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • NC
  • 28031
Web
01/17/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
  • MO
  • 63109
Referral
01/13/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or missing disclosures
  • FL
  • 33951
Phone Older American
01/06/2020 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • NY
  • 11385
Phone
12/27/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43123
Phone Older American, Servicemember
12/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 10456
Phone
12/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • PA
  • 18062
Web
12/10/2019 No
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or missing disclosures
  • FL
  • 33184
Postal mail
11/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • NC
  • 27412
Web
11/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
Phone
11/18/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35901
Web
11/12/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
Phone
11/08/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 48872
Phone
10/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
  • MD
  • 20784
Web
10/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • VA
  • 24162
Web
10/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • IN
  • 46038
Web Older American
10/29/2019 No
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MD
  • 21231
Referral
10/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
Phone
10/24/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or missing disclosures
  • FL
  • 32751
Postal mail Older American, Servicemember
10/09/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
Phone Older American, Servicemember
10/09/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 46902
Web
10/01/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or missing disclosures
Phone Older American
09/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • OR
  • 97527
Web
09/27/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • OH
  • 43123
Referral Servicemember
09/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
Phone
09/11/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
  • NC
  • 27253
Phone
08/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NC
  • 28791
Web Older American
08/07/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • TX
  • 77008
Web
08/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MN
  • 55014
Web
08/01/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
Phone Older American
07/30/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • CA
  • 95401
Postal mail
07/28/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • OR
  • 97527
Web
07/26/2019 No
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
Phone
07/25/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32164
Postal mail Older American
07/25/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11795
Web Servicemember
07/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • IN
  • 46507
Web
07/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • IN
  • 46507
Phone
07/19/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • CA
  • 94561
Web Servicemember
07/16/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
Phone
07/15/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
Phone
07/11/2019 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
Phone Older American
07/01/2019 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Confusing or misleading advertising or marketing
Phone Older American
06/30/2019 No
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • CA
  • 92103
Web
06/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • LA
  • 70072
Web Older American, Servicemember
06/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 20111
Web
06/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Excessive fees
Phone Servicemember
05/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90275
Web