Freedom Financial Network

XXXX XXXX XXXX has taken my money from me! They are supposed to be giving back {$6400.00} but they have taken {$10000.00} from me! I received a letter from the creditor that they have canceled my debt, I no longer owe them anymore money! They canceled my debt because its been over 7 years, they told me that they have had no contact with Freedom ever!! Freedom has been taking my money and lying, telling me they were paying the creditor!!! I would like ALL the money the took from me!!!!

I have a settlement in place for XXXX XXXX XXXX XXXX ( enrolled XXXX however with fees it grew to over XXXX ) enrolled in 2019 XXXX XXXX XXXX was unable to settle, and XXXX XXXX XXXX ( XXXX XXXX XXXX ) sued for full amount. The payments have been made via XXXX XXXX XXXX They had to reinstate the payments several times due to my own hardships and falling behind, however they never truly settled for anything less then my original balance. They are tacking on XXXX in settlement fees after the last settlement and it displays as if they settled XXXX off of amount .. they DID NOT. I payed that entire difference. I have called, they can not explain the fees nor understand that it is a reset settlement. They claim I only have XXXX left in fees ( why even that? ) They refuse to answer me in writing and provide a breakdown and push me to call, even though I have now done so and they can not give me an explanation

In XX/XX/XXXX my husband and I enrolled with Freedom Debt Relief to manage our credit card debt. However they failed to disclose the fact that my credit cards were not included in the program even though it was implied at the beginning. It was not until I was served with a summons stating that a lawsuit was filed against me for collection on one of my cards in XX/XX/XXXX that we got the bad news. We had been sending them all the letters prior to the lawsuit from the creditor about not not making my payments which they had told us to stop making payments for. When we called to notify them of the lawsuit they told us that they were unable to include my cards in their debt relief program.without giving us a reason why. Sincerely, XXXX XXXX

I enrolled debt from multiple creditors to freedom financial debt relief in XXXX of XXXX I dont know the exact dates on some of these statements that I am going to list but I know what month these have occurred. First they guarantee settlements in XXXX months. Ive enrolled XXXX creditors, and only XXXX of them have settlements. The remaining XXXX are either on what they call a strategic hold or they have not even started yet and its already XX/XX/XXXX. So its been over a year. I called in XXXX and XXXX of XXXX about debt collectors threatening legal action. I asked them if theyve been making payments to further explain how the method works and they told me they let them get delinquent to get a lower rate, but also told me that it will never get as far as me getting sued by my creditor through third debt collector. I asked them to explain what these paused notifications mean and they just didnt make sense to me.…

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I am submitting this complaint regarding Freedom Debt Relief and their handling of my enrollment into their debt relief program, which resulted in the repossession of my vehicle due to what I believe was a serious misrepresentation of their services. In XX/XX/year>, I enrolled my auto loan into Freedom Debt Reliefs program after speaking with XXXX of their representatives. At no point during the enrollment process was I informed that secured loanssuch as my car loanwere ineligible for their program. Had I been made aware, I would never have proceeded, as my vehicle was essential to my livelihood. After my car was repossessed, I contacted Freedom Debt Relief to understand what went wrong. I verbally requested transcripts or documentation of my initial enrollment conversation, but they stated they were unable to provide them. They have since placed the blame on me, despite the lack of clear disclosure and guidance during enrollment.…

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Complaint : I am submitting this complaint against Freedom Debt Relief for making material misrepresentations regarding the services they would provide, charging fees prior to achieving settlements, and failing to perform as promised. At the time I enrolled in their program, Freedom Debt Relief represented that they would negotiate with my creditors to settle my debts and that they would assist in the event collection actions were filed against me, including having counsel appear or otherwise provide meaningful legal support. These representations were a significant factor in my decision to retain their services. However, after enrolling in the program and making payments, Freedom Debt Relief has failed to fulfill these promises. Specifically : They have not effectively negotiated settlements with my creditors as represented. Creditors have continued collection efforts, including the filing or threat of lawsuits.…

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I was sold debt settlement services from a representative of this company was told the fees are included which was a service fee of XXXX. After I cancelled the service due to my accounts being charged off which was not the issue before I joined this service was dropping my credit lower than when I started. The agreement was for them to settle my accounts negotiating a lower amount to be paid. When I cancelled I was then told that I owed XXXX in settlement fees. I was not aware of these fees. I was falsely enrolled into this program under false pretenses.

I applied for a HELOC loan with ACHIEVE LOANS on XX/XX/year> with XXXX XXXX, Mortgage Advisor Tel XXXX XXXXXXXX. On XX/XX/year>, I was advised that my XXXX loan had been approved by XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The mortgage processor was XXXX XXXX TEL XXXX XXXXXXXX. My loan Closing was with XXXXXXXX XXXX DBA ACHIEVE LOANS. Closing date was XX/XX/year> and the Disbursement date was supposed to be on XX/XX/year> in the amount of {$67000.00} to cover my credit cards expenses. The paperwork was signed in front of a XXXX XXXX in my State of North Carolina. On XX/XX/year> I received a call from XXXX XXXX from their Underwriting Department Tel XXXX XXXXXXXX informing me that my loan had not been approved and that I will be receiving a letter of explanation as to the reasons why within XXXX to XXXX days. I further asked if they were not going to put any XXXX on my home since the HELOC was canceled and I was told absolutely not.…

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I am enrolled in a debt settlement program with Achieve. I recently became aware that a third-party debt collector contacted Achieve regarding an alleged debt that is nearly XXXX XXXX XXXX, time-barred, not enrolled in my program, and under my maiden name. I received an email asking if I wanted to settle and add the debts to my debt settlement program. I made Achieve aware of the fact that I do not know what these debts are, but they are dated from XXXX, with a delinquency date of XXXX. I never authorized Achieve to communicate with any old debt collector regarding debts of such an old age, nor have I ever acknowledged that this alleged debt is valid or even mine. I still do not know what these debts are for. When I contacted Achieve to address this issue, and ensure they have not spoken with the debt collector on my behalf, the representative I spoke with was rude, spoke over me, and made conflicting and misleading statements.…

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In XX/XX/year>, I entered into an agreement with Freedom Debt Relief under the understanding that they would negotiate with my creditors and use the funds I paid them to settle those debts on my behalf. I agreed to pay {$190.00} every XXXX weeks into my dedicated debt relief account, believing that these payments would be used to reduce my outstanding credit card balances. During the roughly XXXX months I made those payments, Freedom Debt Relief only paid off XXXX small credit card accounts, each approximately {$200.00} {$250.00}. These were small debts I could have handled on my own. They made no attempts to pay or negotiate with any of my other creditors, including my XXXX XXXX XXXX credit card. Despite my repeated payments, I was subsequently sued by XXXX over my XXXX XXXX account, indicating that Freedom Debt Relief failed to contact or negotiate with key creditors as promised.…

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I used freedom debt relief to help me manage my debt during a challenging time. One of the accounts that they were helping manage was a loan I taken out with XXXX. I was told to not contact the company for 3 months and not pay my loan. The loan was charged off and negatively impacted my credit. Freedom Debt Relief did not help my financial situation in fact they caused my financial situation to become my worse. I should have tried to work out the situation directly with XXXX. I now have a charged off account on my credit history and there was/is no way for me to fix.

I have become ill and am a XXXX veteran so i was told to contact Freedom Debt Relief i did and set up an account and they were taking funds to pay off debts then i learn they lied and have not done so but are charging me fees etc They the told me to contact there XXXX XXXX XXXX in India XXXX XXXX XXXX who told me Freedom is lying and misleading you they Freedom Bet Relief is scamming me

I am a XXXX XXXX. I have a HELOC with Achieve/XXXX/XXXX. During the shut down, I missed the XXXX and XXXX payments which were due on the first of the month. When the shut down was over in XXXX, I paid the HELOC for XXXX, XXXX and XXXX. In XXXX, after the account was current, Achieve reported the account as delinquent, charged me a {$70.00} late fee, and permanently barred my account from using the convenience checks ( that were never issued to me in the first place ). When I called the company to inquire about my credit report and late fees, I was told that other customers called in during the shut down and received a 90 day grace period. There was no notice on the website stating any accommodations for XXXX XXXX during the shut down. Further, I received convenience checks for my account last year. At one point when I tried to use one in XXXX, it was rejected by the bank, XXXX XXXX.…

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I am filing this complaint regarding a fraudulent account being reported on my credit report under the name Achieve Personal Loans. This account does not belong to me, was not authorized by me, and is the result of identity theft. The account was also included in my bankruptcy and discharged. On XX/XX/XXXX, I contacted Achieve Personal Loans directly. I was informed that Achieve has not had access to or ownership of this account since XXXX and that the account was sold to XXXX XXXX. I then contacted XXXX XXXX and informed them that this account was tied to identity theft and included in bankruptcy. XXXX XXXX advised me that the account was returned to the original creditor. Despite these statements, this account continues to reappear as verified on my credit report, even though neither company claims ownership or reports servicing the account. This creates a situation where a debt is being reported with no responsible furnisher, which is inaccurate, misleading, and unlawful.…

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On XX/XX/XXXX. So called bank manager got achieve loans XXXX XXXX. Sent money into my checking then advised me to wait awhile then send it back to number he provided to act as a quick loan pay off. To build my credit score enough to get my loan he said he was helping me qualify for he then had me repeat the process the next day. My credit score increased 30 points so I thought I was good but my bank called three hours later and said both checks didnt clear so they used my account and got me for almost XXXX . Im on a fixed income. The bank or XXXX XXXX wouldnt insure my mistake because the scammer was smart enough to have me send through a private person so I lose XXXXXXXX XXXX

I am submitting this complaint regarding a privacy and data-handling failure involving my personal loan serviced by Achieve XXXX XXXX XXXX XXXX, with involvement by Freedom Financial Network XXXX XXXX, and XXXX XXXX Bank as the originating and/or supervising financial institution. In XXXX, I received sensitive financial documents from Achieve XXXX that were mailed in an unsealed envelope, exposing my nonpublic personal information to unauthorized access. This constitutes a failure to safeguard consumer data and a violation of federal privacy obligations. As a direct result of this incident, I was forced to close my bank account to protect my financial security. This caused disruption including delays in payroll deposits, updating multiple vendors and automatic payments, and administrative burden related to restoring financial stability. I notified the involved parties in writing and requested a formal response addressing the privacy breach.…

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Receiving daily calls from " Freedom Debt '' since XX/XX/year> ( at least ), I have asked them on every call I have answered to remove me from their call list as I am not interested in their services & they hang up on me. They call from local phone numbers so I am not able to identify who they are when they call.

b'I request the CFPB investigate XXXX XXXX Bank c/o Achieve for failing to provide a compliant ECOA/FCRA adverseaction notice and for failing to respond to my dispute submitted in XXXX XXXX I ask the CFPB to require corrective action, documentation of their procedures, and any consumer remedies. I applied for an Achieve personal loan; on XXXX XXXX XXXX I received an adverseaction letter stating only No record found at credit bureau. I submitted a formal dispute to XXXX XXXX Bank c/o Achieve in XXXX XXXX alleging violations of the Equal Credit Opportunity Act (ECOA/Regulation B) and the Fair Credit Reporting Act (FCRA). To date I have received no substantive response or compliant adverseaction documentation. I submitted a XXXX certified mail dispute package with signature return receipt under tracking # XXXX XXXX XXXX XXXX XXXX XXXX My complaint was delivered and signed for my XXXX XXXXr Bank c/o Achieve XXXX.…

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It appears that they cleared out information for me not to see payment dates etc. in XXXX, XXXX, and XXXX of this year i paid them over {$400.00} ( XXXX ). They were only supposed to take out their monthly fee which was about {$9.00} from the money i had accumulated in the account. The XXXX debt to pay off was supposed to by chase. It was changed. In XXXX they charged me a debt settlement fee. I asked XXXX agents in XXXX when I set this up, if there were any other fees, and they both told me no in other words. The remaining amount I was putting in, they led me to believe that it would go towards the debtor ( XXXX ). I felt something wasn't right and decided to check on the account at the end of XXXX. They charged me XXXX debt settlement fees, and I found out that they were only paying {$25.00} to XXXX and was spreading it out over MONTHS. So, I called to cancel everything b/c that was not right and not what I was told.…

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I enrolled in a debt relief program with Freedom Debt Relief ( processed through XXXX ). The company settled only one of my debts, but they continued to withdraw significant funds from my XXXX bank account beyond what was reasonable for the limited services performed. They then informed me that they would not work on any additional debts unless I paid them even more money upfront. This violates the intent of the Federal Trade Commissions Telemarketing Sales Rule ( TSR ), which prohibits debt relief companies from collecting fees before they settle or reduce each debt. The company settled only one account but has collected far more money than the fees associated with a single settlement. They are now requiring additional payments before performing further services. This is deceptive and causes significant financial harm.…

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I contrtacted with Achieve to pay my credit card dept. They were to pay off the debts and I was to repay Achieve. I paid as promised for a long time and then found out that they had NOT paid my credit cards and I was being processed as delinquent. Several attempts to fix this went unanswered. I notified them that I was stopping the process and found another credit company ( XXXX XXXX XXXX ) to help me. Then, later when I applied for a VA mortgage with XXXX XXXX I found out that Achieve had reported me as in default and listed me as a charge off for {$23000.00}. I submitted 2 claims to the credit bureaus but got not satisfaction. Now the bank wants me to pay Achieve {$23000.00} in addition to the {$12000.00} I've already paid ( and never received any help for it ).

I am filing this complaint because Achieve Personal Loan is continuing to report a fraudulent charge-off on my credit reports, even though I am a victim of identity theft and have provided all required documentation under the Fair Credit Reporting Act ( FCRA ). Fraudulent Account Details : - Creditor : Achieve Personal Loan - Account Type : Personal loan - Status : Charge-off - Date Reported : XX/XX/year> - Reported To : XXXX XXXX XXXX I did not open this account. - My FTC Identity Theft Report - My police report - Proof of my identity and address - A written dispute stating the account is fraudulent Despite receiving all legally required documents, Achieve Personal Loan has : - Failed to conduct a reasonable investigation - Failed to stop reporting the fraudulent account - Failed to notify XXXX XXXX XXXX to remove or block the account - Continued to furnish inaccurate, identity-theft-related information XXXX XXXX XXXX have also failed to block the fraudulent account under FCRA…

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In XXXX I reached out to FREEDOM DEBT RELIEF for financial help. In the mix of incurred debt I let them manage per an arranged pre determined amount to be deposited each month they would then place into a escrow or deposited funds account until each listed debt I gave to them starting with smallest to largest was paid. XXXX yr program. Now.... XXXX of the lenders, XXXX XXXX, in which I had XXXX accounts, XXXX was around XXXX and another for XXXX. Plus a credit card at XXXX. So life happens, health issues with my wife 's, loss of significant income, and still ongoing health issues. So FDR was the outlet I chose for help. Now.... they, through the deposited account payed off the small XXXX XXXX, leaving the larger amount. In XXXX of XXXX XXXX XXXX charges off the XXXX. OK, that account was also closed. Now here 's the fraud.... FDR calls and says... Hey you have done so good, you can qualify for a loan program through our affiliate lenders. Hmmmmm ... OK.…

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XX/XX/XXXX I entered a consolidation resolution program prepared by XXXX XXXX with Freedom debt relief and my original debt resolution agreement was XXXX monthly and the I was switched to a XXXX LOAN with XXXX/ XXXX XXXX with creditor XXXX XXXX XXXX XXXX XXXX XXXX increasing my payment to XXXX a month with no warning. I had no choice but to pay it and putting me in a XXXX hard spot once again. I recently requested a copy of my original loan from XXXX which I just received today XX/XX/XXXX and my initials from my XXXX original agreement are the exact on the XXXX loan as if they were copied from the original. Is this a normal process for consolidating debt with these companies?

XX/XX/scrub>XXXX XXXX XXXX Consumer Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Complaint Against Freedom Debt Relief Regarding Unilateral and Predatory Amendment to Debt Resolution Agreement To Whom It May Concern : I am writing to file a formal complaint against Freedom Debt Relief, hereafter " the Company, '' regarding a unilateral amendment made to my Debt Resolution Agreement ( DRA ). I believe this amendment, dated XX/XX/year>, introduces unfair, deceptive, and abusive terms that severely harm my interests as a consumer and potentially violate consumer protection laws. On XXXX about XX/XX/year>, I received a notice that Section XXXX ( f ) of my DRA was being amended. The new clause grants the XXXX the right to assign all of its rights and obligations under our agreement to any third party, at any time, without my prior notice XXXX consent. The specific terms of this amendment are profoundly harmful for the following reasons : XXXX.…

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Between XXXX and XX/XX/year>, I engaged with Freedom Debt Relief regarding enrollment in their debt-relief program. Before providing my banking information, I repeatedly requested written copies of the Client Services Agreement ( CSA ) and complete fee disclosures, including : the total percentage charged on enrolled debt, how and when fees are earned or deducted, legal representation coverage terms, and confirmation of when creditor outreach begins. Despite several written requests ( attached ), the company refused to provide the CSA or a generic version of it until after I submitted my bank draft authorization. They stated the agreement could only be generated once my banking information was entered. This effectively required me to agree to drafts before being allowed to review the actual contract terms a practice that appears to violate the FTCs Telemarketing Sales Rule ( 16 CFR 310.4 ( a ) ( 5 ) ), which requires clear written disclosures before any payment authorization.…

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Let 's start with today XX/XX/XXXX I checked my bank account like I always do and discovered freedom debt relief took XXXX out of my account they told me I owed them that for my account I'm not entirely sure how that is because I pay {$210.00} every month on the XXXX of the month then I received an email stating that they have canceled one of my settlements due to non payment well I'm really confused as to how they can just take the money out of my account and it's in writing that they cancelled the debt on the day they took this XXXX out. Now this is just the half of it we were never told how much they would be charging us for their services the amount on my account has changed several times when I send them emails asking them about this they don't even answer my question they just tell me something totally off the wall my husband and I have been enrolled in this program since XXXX and there are still XXXX debts that have not been settled we were under the impression that everything…

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I just received a call from a lady at freedom debt relief finance department I believe on XX/XX/year> and she was quite aggressive, hostile and rude, she kept telling me I was wrong and what I was saying wasn't correct and also kept cutting me off as I was trying to talk. She also kept telling me that my issue was not their fault and they were offering me a {$300.00} refund. She adamantly kept asking me what I wanted as a resolution. I was driving at the time so I was just trying to get off of the phone with how unpleasant the conversation was.

Achieve Personal Loans contacted me since I was enrolled in Financial Debt Relief ( FDR ) program for credit cards being consolidated. I signed some papers but through out the document it says estimated numbers. The XXXX loan personnel verbally told me the numbers are estimates but needed my signature to get the actual numbers. To my surprise this morning, a loan has been put on my credit without being able to approve the final numbers and the term amounts and APR % are different than the document I signed. I was told this loan was an estimate and the final numbers will be needed to be signed when they finalized. XXXX gave me false information. XXXX told me the document attached is an estimate and that verbiage follows all through the contract also ( See highlights ). I did not agree to these numbers. Your total of payments below does not match the total payments on what I have signed in my estimate.…

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I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

My loan was with XXXX XXXX XXXX. Achieve took it over offering me a quicker payoff. After I signed the contract I tried to cancel and stay with XXXX months before my contract was to start that was in XXXX my first payment is due XX/XX/XXXX. I have a personal loan with Achieve for approximately {$17000.00} at 23.95 % APR. I recently contacted Achieve to apply a {$12000.00} lump-sum payment toward the balance and requested that my monthly payment be lowered accordingly. The representatives told me my payment of {$560.00} would remain the same even after paying {$12000.00}, and they refused to provide any written confirmation or breakdown of how the payment would affect my loan terms. Prior to that I spoke to someone and asked for a supervisor and was told they will call me in 48 hours.…

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this debt is not mine - identity theft- XXXX XXXX Closed XXXX XXXX XXXX XXXX, XXXX XXXX IN XXXX | ( XXXX ) XXXX Date Reported : XX/XX/year> | Balance : {$8700.00} Account Number : * XXXX | Owner : Individual Account Credit Limit : | High Credit : {$8400.00} Loan/Account Type : Unsecured | Status : XXXX XXXX XXXX XXXX XXXX - Closed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PLUS, XXXX, XXXX XXXX, CA XXXX | XXXX XXXX ) XXXX Date Reported : XX/XX/year> | Balance : {$0.00} Account Number : * XXXX | Owner : Individual Account Credit Limit : | High Credit : {$29000.00} Loan/Account Type : Unsecured | Status : Charge Off

Achieve.com has reported inaccurate payment information on my account. Ive made all payments on time, including my XXXX payment, but they have failed to report it correctly. This misreporting negatively affects my credit history. This violates 15 U.S. Code 1681i, which requires consumer reporting agencies to investigate and correct inaccurate or incomplete information in a consumers file. I am requesting that this inaccuracy be investigated and corrected immediately.

Company promised to settle and payoff the 3 credit cards involved and after collecting money to do so for 2 years they didn't pay off any of them and they charge fees that used all the money collected to negotiate the debts. when one of them sued me they were requesting twice the amount to settle the account and at that point stopped contributing to the program that only collected their fees and did not paid off a single account enrolled and only kept my money and ruined even worse my credit score that they promised would be improved and the debts paid within the amount of time that i contributed. Freedom debt relief did not do what they promised to do and after running out of the money saved to settle accounts and they kept all of it as their administrative fees that they promised were only payable AFTER settling accounts.

To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX XXXX for their continued failure to remove fraudulent and inaccurate accounts from my credit report, despite my identity theft report and multiple dispute attempts. These credit bureaus are violating my rights under the Fair Credit Reporting Act ( FCRA ) and must be held accountable for noncompliance. Their failure to investigate and correct these inaccuracies violates 15 U.S. Code 1681i, which mandates a proper reinvestigation of disputes. Additionally, their refusal to remove unverifiable information breaches 15 U.S. Code 1681e ( b ), which requires credit bureaus to maintain accurate consumer reports.…

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