This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 226 complaints

Freedom Financial Network - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade F.

Complaints by issue type

What consumers report about Freedom Financial Network

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record freedom-financial-network Freedom Financial Network

Grade F · 226 CFPB filings · 97% timely · lead issue: False statements or representation · vol #483 · compose #444

  • VOL 226
  • GRADE F
  • 12MO 72
  • STATES 35
  • TIMELY 97%
  • ISSUE False statements or repres…
  • RANK #483
  • COMPOSE #444

Volume peers

Nearest volume peer: Cooling & Winter LLC (226 complaints)

Cooling & Winter LLCCooling & Winter LLC226LexisnexisLexisnexis226Freedom Financial Network (this)Freedom Financial Network (t…226Tenaglia & Hunt, PATenaglia & Hunt, PA228R.A.Rogers, Inc.R.A.Rogers, Inc.229
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Freedom Financial Network's 226 CFPB complaints sit next to Cooling & Winter LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 226 complaints break down

Every complaint issue type on record for Freedom Financial Network, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
47.5/100
Freedom Financial Network

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
226
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

California is the plurality state for Freedom Financial Network (16.4%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 16.4%
Mid-band (15–30%) · 35 states with ≥1 filing
Even monthly load
Peak under 8%
Highest month 2026-01 at 7.3% (14 filings)
Corpus ranks
#483 volume
#444 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Freedom Financial Network compare to its peers?

How does FREEDOM FINANCIAL NETWORK compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
FREEDOM FINANCIAL NETWORK National average
Complaints (last 12 mo)lower is better
72
0
268
Timely-response ratehigher is better
97%
100%
91%
Consumer-dispute ratelower is better
0%
16%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Freedom Financial Network a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) Freedom Financial Network vs. 10 similar-volume peers, by response speed and dispute rate Cooling & Winter LLCLEXISNEXISTenaglia & Hunt, PAALCHRO INC.RSI Enterprises, Inc.CHECK INTO CASH INC.R.A.Rogers, Inc.Meade & Associates, Inc.Alpha Recovery CorpKlima, Peters & Daly, P.A.
Source: CFPB Consumer Complaint Database

Freedom Financial Network's complaint volume in context

Freedom Financial Network vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

226 Top 9% higher than 91% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Freedom Financial Network 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
False statements or representation
59
Attempts to collect debt not owed
58
Took or threatened to take negative or legal action
54
Written notification about debt
29
Communication tactics
21
Electronic communications
4
Threatened to contact someone or share information improperly
1

Where do complaints against Freedom Financial Network come from?

Freedom Financial Network's own per-state count, not a national baseline.

Top states by complaints against Freedom Financial Network

Across 35 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Freedom Financial Network: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 226.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 96.96969696969697%.

4 peers

Know your rights before responding to Freedom Financial Network: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.