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

Data updated July 2026

F

Grade F · 48.7/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Freedom Financial Network ranks ahead of 13% of the 5,283 collectors PlainCollector grades - 87% keep a cleaner CFPB record, on 226 all-time complaints and a 97% timely-response rate.

13th pct
reputation rank of 5,283 graded collectors
226
CFPB complaints, all-time
97%
answered inside the CFPB window
72
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Freedom Financial Network?

Freedom Financial Network has accumulated 226 total CFPB complaints across 35 states, with 72 filed in the most recent 12 months against 154 historical complaints before that window. The trailing-12-month volume represents 31.9% 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 "False statements or representation". The company posts a 97% timely-response rate.

Complaints have been recorded across 35 states, led by California with 37 and New York with 28. Normalized against the full CFPB collector database, the reputation score of 48.7/100 places Freedom Financial Network in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

226

mid-volume (CCDB)

Last 12 months

72

31.9% of all-time complaints

Rising ↑

States active

35

multi-region footprint

Timely response rate

97%

excellent band

Reputation grade

F

48.7/100 composite

How does Freedom Financial Network's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 13% higher than 13% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Freedom Financial Network versus the debt-collection vertical average.

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 62.5%

Share of US states + territories with at least one filed complaint against this collector.

How does Freedom Financial Network compare to its peers?

How does FREEDOM FINANCIAL NETWORK compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
FREEDOM FINANCIAL NETW… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Freedom Financial Network contacts you

A grade of F signals how Freedom Financial Network's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Freedom Financial Network and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Freedom Financial Network ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 48.7/100), 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).

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

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.