Total CFPB complaints
396
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 396 complaints
FREEDOM FINANCIAL NETWORK — Debt Collector Complaint Profile
CFPB complaint profile across 40 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FREEDOM FINANCIAL NETWORK
- Didn't provide services promised
Didn't provide services promised
72 complaints
- False statements or representation
False statements or representation
48 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
38 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
37 complaints
- Confusing or misleading advertising or marketing
Confusing or misleading advertising or marketing
36 complaints
- Charged upfront or unexpected fees
Charged upfront or unexpected fees
33 complaints
F
Grade F · 48.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about FREEDOM FINANCIAL NETWORK?
FREEDOM FINANCIAL NETWORK has accumulated 396 total CFPB complaints across 40 states, with 141 filed in the most recent 12 months against 255 historical complaints before that window. The trailing-12-month volume represents 35.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Didn't provide services promised", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 40 states, led by California with 66 and Florida with 53, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.7/100 places FREEDOM FINANCIAL NETWORK in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
141
35.6% of total history
Rising ↑
States active
40
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Reputation grade
F
48.7/100 composite
Response-quality profile
How FREEDOM FINANCIAL NETWORK performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 71.4%
Share of US states + territories with at least one filed complaint against this collector.
How does FREEDOM FINANCIAL NETWORK compare to its peers?
FREEDOM FINANCIAL NETW… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Didn't provide services promised72 (%)
False statements or representation48 (%)
Took or threatened to take negative or legal action37 (%)
Confusing or misleading advertising or marketing36 (%)
Charged upfront or unexpected fees33 (%)
Problem with customer service22 (%)
Attempts to collect debt not owed38 (%)
Unauthorized withdrawals or charges16 (%)
Most common issue: Didn't provide services promised
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Didn't provide services promised | — | 72 |
| False statements or representation | Attempted to collect wrong amount | 48 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 37 |
| Confusing or misleading advertising or marketing | — | 36 |
| Charged upfront or unexpected fees | — | 33 |
| Problem with customer service | — | 22 |
| Attempts to collect debt not owed | Debt was result of identity theft | 21 |
| Attempts to collect debt not owed | Debt is not yours | 17 |
| Unauthorized withdrawals or charges | — | 16 |
| Written notification about debt | Didn't receive notice of right to dispute | 14 |
Where do complaints against FREEDOM FINANCIAL NETWORK come from?
The states where consumers have filed the most CFPB complaints against FREEDOM FINANCIAL NETWORK. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FREEDOM FINANCIAL NETWORK
Across 40 states with at least one filing
- California
California
66 complaints
- Florida
Florida
53 complaints
- New York
New York
40 complaints
- Texas
Texas
38 complaints
- Pennsylvania 19
Pennsylvania
19 complaints
- Arizona 14
Arizona
14 complaints
- Maryland 12
Maryland
12 complaints
- Tennessee 10
Tennessee
10 complaints
Frequently Asked Questions
What is the most common complaint against FREEDOM FINANCIAL NETWORK? ▼
The most common issue consumers report about FREEDOM FINANCIAL NETWORK is "Didn't provide services promised". This is based on 396 complaints filed with the CFPB.
Are complaints against FREEDOM FINANCIAL NETWORK increasing or decreasing? ▼
Complaints against FREEDOM FINANCIAL NETWORK are rising. The company received 141 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: 48.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 40 states, with the most complaints from California (66 complaints).
What can I do if FREEDOM FINANCIAL NETWORK is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If FREEDOM FINANCIAL NETWORK violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |