Freedom Financial Network

I am writing to file a complaint against Freedom Debt Relief regarding their failure to resolve my final pending debt, which started XXXX oXXXX XXXX XXXXn which I have made a total deposit of {$6800.00} While Freedom Debt Relief successfully settled one of my accounts in the past, the remaining accounts have been left unresolved for an unacceptable length of time. I am not comfortable negotiating directly with creditors myself, and the lack of progress on this account is causing me ongoing financial stress.

Freedom Debt Relief/Achieve presented a settlement offer for my XXXX account XXXX I explicitly refused the offer. Despite my rejection, Achieve illegally originated and funded an unauthorized 'acceleration loan ' without my consent, attempting to send funds to XXXX XXXX This is a direct violation of the FTC XXXX XXXX Rule regarding unauthorized transactions. I demanded cancellation over the phone, and the company hung up on me. I demand this loan contract be completely voided to a {$0.00} balance immediately and any funds recalled.

Just called once this month XXXX XXXX but repeatedly calling before I filed a dispute letter via sent my certified mail with proof of receiving which was received by XXXX XXXX within the 30 days notice letter they gave me the company is XXXX

A debt that supposedly was taken care of in bankruptcy but somehow is shown outside of bankruptcy is requesting funds from me and I thought this was so I hired freedom debt relief to deal with XXXX XXXX XXXX XXXX has sent out a judgment against me my total payments to Freedom debt XXXX they only paid {$320.00} to XXXX XXXX. XXXX XXXX charged off the rest and sold it to a person who has filed or a company who has filed a judgment against me. I tried to explain to XXXX XXXX in a letter that the funds were misappropriated because I paid such a large amount to freedom I filed a case against them before but I never thought that this would happen and that the amount that they collected is shown by freedoms Bank to be that amount of money of {$2000.00} and they only paid {$320.00} and {$0.00} so the money was misappropriated and this judgment against me is not correct.

On my credit report, they have 230 day late payments in XXXX and XXXX and when I called them, they updated it and said the only one that was late was XXXX but XXXX a XXXX XXXXredit report it shows late for XXXX and XXXX

Company : Achieve / Freedom Financial / FreedomPlus Issue : Automatic payments/ inability to disable autopay Product : Personal loan XX/XX/year> Complaint : Achieve is refusing to provide any way for me to disable autopay on my loan account online, even though the loan was acquired and paid online. I asked the company to stop automatic withdrawals, and they told me there is no online option to turn off autopay. This violates the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which give me the right to revoke authorization for recurring electronic payments at any time. Achieve also allows customers to manage payments online, so they are required to provide an online method to stop recurring charges. They are not offering any reasonable or accessible way to disable autopay and require you to call in. When speaking to a representative, I asked for directions to cancel the autopay of online.…

I have been in contact with two financial advisors at Freedom Debt Relief to help settle my owed debt and have been neglected by both, back to back. I have wasted my time compiling all of the documents and information that they had requested to get my request submitted and now, both agents that I spoke with are not returning my emails or phone calls.

b'Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXXPhone: XXXXnFax: XXXXEmail: XXXX XXXX XXXXConsumer Financial Protection Bureau\nXXXX XXXX XXXXWashington DC XXXXRe: Consumer Complaint Freedom Debt Relief, XXXX \nUnearned settlement fees & settlement of debts never authorized (XXXX XXXX XXXX XXXX\nFreedom Debt Relief Acct# XXXXXXXX Pay Special Purpose Acct # XXXXnDear CFPB,\t\t\n\t\t\nI enrolled in FDRs debt-resolution program on or about XXXX XXXX XXXX 35 enrolled debts totaling $XXXX, a settlement fee of 22% of each debts enrollment amount (Agreement, Section 5.a; Exhibit E, footnote 2), funded by bi-weekly drafts from my dedicated account.…

XX/XX/year> I entered into an agreement with Freedom Debt Relief to help me settle my debts. Their representatives and the contract state that my program will be for {$44000.00} after having paid {$850.00} for 53 months. As of today, I have paid {$44000.00} and was told I owe another {$13000.00}. l currently have {$26000.00} sitting in my Dedicated Account with them. Which in XXXX I was told by their XXXX XXXX was enough to finish my final account with XXXX. Today they cutoff the phone call and told me they will no longer speak with me but they still have my {$26000.00}. Claiming that if I plan to take legal action that they can no longer speak with me. They have claimed since I paid my balance back in XXXX that they could not get ahold of my final creditor " upgrade ''. However today that creditor called me to say that no one from Freedom Debt Relief has reached out once. They need to give me my {$26000.00} immediately so I can settle my debt myself.

I signed up with Freedom Debt Relief and was told they would contact the credit card companies and negotiate a settlement. I had never missed a payment with the credit card companies and had a credit score of XXXX to XXXX. I was making a little more than the minimum payment and was in good standing. FDR said if I deposited XXXX a month they would pay all the cards off in 48 months. They did not make a payment or settlement agreement until all 3 credit cards were 120 days delinquent and charged off by the credit card companies. Then they started paying XXXX XXXX a month. My credit went to XXXX and is ruined now. I just canceled with FDR and called each credit card company, none of them even showed I had an account with them. My credit is ruined and FDR was taking XXXX plus in fees. They lied about what they would do for me.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

This is related to Complaint XXXX in which XXXX sent me convenience checks in XXXX that were not honored after I deposited them in XXXX due to a change in their bank. They refused to send me replacement checks in XXXX associated with the correct bank after the government shut down led to a missed payment. They failed to make shut-down accommodations known publicly, blamed me for not calling to inquire, and reported the delinquency to the credit bureau after XXXX made XXXX catch up payments. XXXX sent me new convenience checks. I deposited XXXX on XX/XX/XXXX into my checking account. On XX/XX/XXXX it was denied by XXXX and withdrawn from my checking account. When I called Achieve on XX/XX/XXXX to find out why the check was not honored, whereby forcing me to bounce yet another convenience check from them, I was told they could not verify my identity and I would need to send them a copy of my driver 's license.…

I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Subject : Formal Dispute and Request for Validation To Whom It May Concern, I am writing to formally dispute the accuracy and validity of an account listed on my credit report. I have previously disputed this account multiple times and specifically requested written verification and validation of the alleged debt. To date, I have not received any proper documentation validating this account. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of any debt reported in my name. Despite my repeated requests, your company has failed to provide sufficient written verification, including but not limited to : A copy of the original contract or agreement bearing my signature Documentation proving I am legally obligated for this debt A complete payment history and accounting of the alleged balance Verification of your authority to collect on this account Due to your failure to provide the…

I enrolled in Freedom Debt Relief after discussions with their representatives regarding resolving my debt and the expected impact on my credit. During the enrollment process, I was led to believe that once accounts were resolved through the program, the negative accounts would ultimately be removed from my credit report or that the program included efforts to improve/remove the associated derogatory reporting. Based on these representations, I agreed to enroll and stopped making payments to my creditors as instructed by the company. After entering the program and authorizing settlements, I later received written clarification from Freedom Debt Relief stating that : * they only negotiate reduced balances, * they are not credit repair experts, and * they can not confirm removal or updating of negative credit reporting. This materially differs from what I understood during enrollment and what I relied upon in deciding to participate in the program.…

I said Im with freedom debt relief almost 2 years ago. They told me that at any time if I wasnt happy with the program, I can withdraw when I called to try to withdraw. They told me that they were gon na charge me fees, even though balances of credit debts had not been charged I have then removed any debt that was accredited there that I could but I still had an account that was already in use, but it told me that Ill be done paying it in a year when I called back, they told me I still had a year left because I had {$7000.00} in fees on a {$9000.00} balance.

Basically, my credit and my moms credit was fine, but we wanted to basically pay lesser every month and have some money left over in our pockets after paying our bills. Our bills were always on time and our credit was good when we contacted them when we heard about this agency on TV. They advertise themselves as federal debt relief they go by several alias is actually federal debt relief, national debt, relief, or freedom, debt, relief there they verbally portrayed themselves as a federal agency, but theyre actually not obviously, but they contracted us with the promise and assurance that all our credit cards will remain active, and our credit lines will remain active and our credit will improve, but we had to promise them not to answer. Any phone calls from creditors or correspondence from any creditors. They assured us that by month for our credit will remain the same, We will be paying lesser. By month XXXX alone our credit lines were all halted.…

b'I am a senior living in Florida on a fixed income I fell on hard times during my husbands illness and eventual death in XXXX. I decided to sign on with Freedom debt relief after being promised a "saving grace".\n\nI had XXXX in debt I aggreged to a plan that I would pay XXXX XXXX a month over 20% of my month income for XXXX months to resolve all my debt. After paying for XXXX months XXXX per month totaling XXXX I found out they had only paid approximately XXXX of my debt and my XXXX month plan needed to be extended an additional XXXX year.\n\nThat would total XXXX when my original debt was XXXX, where are the savings i was told i would receive.\n\nI paid them so far a total of XXXX, to date they settled in total XXXX.\nof that they have paid out XXXX.\nleaving my outstanding debt at XXXX.\nPlus 1 creditor that they still have not negotiated with for XXXX.\nLeaving me with a total outstanding debt XXXX.\nWhere did they save me money, how did I benefit from this, how am I going…

I had sent a payoff check from achieve loans to XXXX. XXXX XXXX said they never received it but achieve said it was cashed. When I asked for it to be investigated and a new check cut they denied the check and no other communication about the dispute was followed up on by achieved loans

I didnt know anything about this loan I will like this delete or remove from all three of my credit reports.

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.…

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.…