Complain about a product or service

Freedom Debt Relief

Kimberly of Custer, SD October 5, 2009

They said they settled 3 or our 4 credit cards, I have one left. I fwd the firs letter from a law firm which was one of three different parties of Citibank/Sears. I rec'd a letter today stating that they have not been contacted. I have been inquirering on my status of all the accounts since July 2008. Always in negotiations. The first 3 were handled/completed by Nov. 2008.

It has been 15 months now, my initial deposit was 10,000.00 I now have only 2,980.00; have been making monthly pymts of 150.00. I inquired on how much was there fee. They informed me that 132.51 was there Customer Service Fee, plus there is the Trust Acct fees with Global of .15 cents and 6.50 a month from my Trust acct with Global.

They have been paid almost 2,000.00 from me and my Trust was decreasing instead of increasing with my monthly pymt. I was not informed of the 132.51 per month to them out of the 150.00 I was paying. I should of had 3,009.85 after the 3 settled accts of 6,990.15, left, plus increasing each month.

My total as of today is 2,930.00 left in the Trust Acct they set up with Global. The numbers are not adding up. I have reviewed from time to time my acct. however, have not been able to enter by internet lately (I had forgotten my access #'s). The emailed me a new access but I was not able to. I should have more money and be close to settling at 50%.

ARTHUR of PEMBROKE PINES, FL June 27, 2009

I am 40,000 in credit card debt. I paid 695 a month for their services. I was scammed of 3200 of my money. They haven't done anything with decreasing my debt. They only returned 1200 of my money.

Pamela of CAMARILLO, CA June 22, 2009

I entered in on an agreement with Freedom and ended up being late on all my credit card bills and now I owe more to my credit cards than I ever did before. They did not settle any of my big amounts except for a Best Buy for 500.00. I was paying them almost 800 a month for nothing.

Julie of Fredericksburg, VA January 27, 2009

I contacted this debt settlement company in Sept 08 to help me with business related expenses on credit cards in my husband and I's personal credit. I was told that they could get settlement offers for us and they would handle all our creditors for us and settle our accounts for 50% of what we owed. I payed to they over 3000 for 2 months and on the third month I found out from 4 of the creditors that they had not received the cease and disist communication letters nor had they been contacted in any way from freedom debt. I was so upset as only 160.00 of our money went toward the actual debt. They had done nothing on our account.

We owe over 1700 in late fees then when we did when we started the program. When we started this program we had not missed a payment on our credit cards but they were getting more and more hard to make. Our credit scores were over 700 for both my husband and I and now they are in the low 500's. They distroyed our credit and did nothing for us. I make several complaints to this company and finally they agree to refund us 1,290 of our money if I would agree to sign a release. I had to do that because we were so desperate for some of our money as we were so far behind in our payments. My husband however did not sign this and was extremely upset at the outcome of this so called Christian freedom Debt releif company.

Our fico scores have gone down by 200 pts. Our finance charges and late fees have incresed by over 1700.00. Some of our accounts have already been turned over to third party collection and we may face suits filled against us. We are bombarded with creditors calls at all hours. We feel so imbarased and have just been so diceived.

John of Wantagh, NY August 16, 2008

I was contacted by this company for debt Relief. I asked How they recieved my number, they responded that somebody must have filled out a form online. It was not me nor do I believe that was how they obtained my information. I would like to know how and exactly what information this company has available about me. I have been a victim of fraud in the past and this makes me feel uncomfortable. I believe this has a direct coralation with my credit card usuage. Which has recently increased.

Monciana of Bridgeport, CT July 3, 2008

I contacted them regarding debt management services last year. I am now facing a lawsuit because they have failed to negotiate with the credit card companies. I have been paying them 246 per month for a year. I don't know how to resolve this. They will not even return my calls nor my emails.

My credit was not perfect but now it is worse, the credit card companies in question believe that I am receiving to negotiate with them and i really don't know where to start. I am behind on my mortgage and don't how to begin paying the credit card balances plus all the fees, and I don't know how to retrieve the amount that they have been accumulating, supposedly on my behalf.

Deborah of Tacoma, WA October 29, 2007

Freedom Debt Relief promised to negotiate down my debt, but they lost my information twice. I asked to suspend my automatic debit for one month, and they said I could but won't be successful in their program. This was after they had taken 1200 of my money. I emailed them to ask for a termination slip and to retrieve the 236 left in my account, and they immediately took half the 236 for their service fee. I never got a response from them regarding termination. So I am trying to terminate before they take any more of my money.

I now have to file for chapter 13 bankruptcy and could have paid for that and some of my bills if they hadn't taken all of my money and done nothing to help me. I have struggled to pay my bills and get back on top financially. I had a credit score of 675 when I started out, and they convinced me that it wouldn't be hurt too bad. I'm afraid to look at it. Freedom Debt Relief told me to quit paying the credit card companies in order for them to negotiate with them. I thought I better get out before it gets worse, and I have a garnishment. My husband has many health issues, and this could be more devastating than it already is.

Michele of Saint James, NY April 18, 2007

I started to do business with this company in August 2006. They told me I would be debt free in 2 years. I paid them 653.00 per month and they have copies of my debts. They told me not to pay them and they would work out the settlements. I had one for Cpaital One in particular that was 1286.00 that when I sent it to them it was with a collection agency. This is apparently the only way they can settle if it is with a collection agency (which means for my other debts my credit has to get worse before they can work on them) In January my checking account was frozen because now this turned into a judgement against me.

I called and could not get in touch with anyone at freedom debt (when you are signing up with them someone always answers the phone more than happy to help you, after you sign up and need their assistance you have to leave a message and someone will get back to me in 24 business hours. since this was on a friday I had to wait all weekend with no access to my checking account. The debt no grew to 2400.00. I had to settle my own debts, this company did not do anything for me and has me in a worse situation than when I started. I did everything they told me to do.

I also learned that the first 18 months of full and partial payments is there fee which was very misleading. I can see how we as a nation is in such debt because every way you turn someone is sucking the life from you. There is a lot more to this story, please feel free to contact me for further information and lets try to stop people from robbing each other. Who can we trust.

Carol of Redford, MI February 10, 2007

We turned to Freedom Debt Relief in hopes that they could help us with our mounting debt. At the time we where current with most creditiors,and no more than a month behind with a couple. We knew we where in trouble, the amount of our bills out weighed what we where brining in. The first thing they told us was "Stop paying" we can not help you if you are not behind. So we did. They said they would stop the creditors calls, this never happend. Over a couple months our creditors went to Law offices. One account HFC, went to a local Law office and I had to work out an aggrement with them to start paying to keep us out of court. Freedom was supposed to do this, but they claimed that the Law office was not getting back to them, funny, the law office said they never heard from them.

The creditors that keep calling us have told us that Freedom has not contacted them and that this program only works if they have a lump sum amount of cash to settle the debt right away. And that they would not wait 3 years for them to call and try to settle. Freedom had set up a payment plan of 825.00 per month. Not one dime has gone to any of our creditors. I have payed them almost 5,000.00 since March, 06. We canceled with them in January, 07 under the terms that it had asked (five days prior to the next debit date). They returned 572.00 of our money and pulled there monthly fee before returning our money, which I can not find anywhere in our paperwork saying that they would do that.

This program is for people who can give them a big lump sum of money to work with right away, not for people like us who can only pay the monthy payment that they set up. They should have told us that up front and never told us that they could help and take our money. 5,000.00 could have gone a long way with keeping us out of court.

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