What is the most common complaint against Freedom Financial Network?

The most common issue consumers report about Freedom Financial Network is "False statements or representation". This is based on 226 complaints filed with the CFPB.

Are complaints against Freedom Financial Network increasing or decreasing?

Complaints against Freedom Financial Network are rising. The company received 72 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Freedom Financial Network's reputation grade?

Freedom Financial Network has a reputation grade of F (score: 47.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Freedom Financial Network respond to consumer complaints?

Freedom Financial Network has a 97% timely response rate to CFPB complaints.

In how many states does Freedom Financial Network operate?

Freedom Financial Network has received CFPB complaints from consumers in 35 states, with the most complaints from California (37 complaints).

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

Freedom Financial Network - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade F.

Compiled by PlainCollector

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

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 #4368

VOL 226
GRADE F
12MO 72
STATES 35
TIMELY 97%
ISSUE False statements or repres…
RANK #483
COMPOSE #4,368

Volume peers

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

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 →

Steady monthly series

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

Volume rank #483 and composite rank #4,368 diverge by 3,885 places on PlainCollector's CFPB-derived corpus maps. 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)
Divergent corpus ranks: #483 volume; #4,368 composite; Cleanest-composite ladder is 3,885 places worse than volume

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 NETW… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

97%

100%

91%

Consumer-dispute ratelower is better

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

37
New York

28
Florida

25
Texas

24
Pennsylvania

8
Michigan

7
Arizona

6
Georgia

6

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.