Freedom Debt Relief Reviews

I would never recommend this to anyone! Lies, hidden fees, slow to make things happen, holds on to money in dedicated account, very poor communication, half of the employees you talk to have no clue - my list goes on and on. A three-year nightmare before I finally got a loan and took things into my own hands and paid everything off in a couple days! I ended up paying $4000.00 more on a bill due to lack of Freedom Debt Relief making things happen, and it went to NLLG (whatever that is) and was never told to me but I ended up paying more on that debt, plus undisclosed fees! This is a terrible company! I am glad to be out of debt on my own and no thanks to this place. A waste of time!

Bottom Line: No, I would not recommend this to a friend

Upon enrolling with FDR, they were unable to broker deals for 3 accounts. They separated them and mislead us with the payments. Upon their request, we deposited $2,300,00 to begin negotiations for the 2nd account. They couldn’t secure a deal and we ended up being sued and going to court. When we advised to the judge we were in FDR, he just shook his head. He advised us to contact the credit card company and work with them without FDR. The $2300.00 was more than enough to pay off the one credit card they brokered a deal on. The leftover balance was $1900.00. At this point, they stole $1600.00 as a tip for what they’ve done for us. Being we paid that much to them the total savings on the one account was only like $300.00.

Their customer service is one of the worst I’ve ever had experiences with. Everybody says they’ll call you back, but they never do. When they give you a name and say ask for me the next time you call. That person, of course, is never available. Please, whatever you do, stay away from these people.

Stay away from FDR because they are shysters, thieves, and liars.

Bottom Line: No, I would not recommend this to a friend

I have called Freedom Debt Relief four times in the past seven days attempting to complete a settlement with a company that filed a suit against me after I was already enrolled in the debt relief program. Each time I called I was told "we have to wait" for something, either an answer from the law firm handling the suit, or the negotiator to update my account, or the fax I sent them to be taken from the fax machine and entered into my record. It was a ridiculous amount of time considering that I had only ten days from 2/28 to make the first payment on the settlement. I offered to make the payment myself and was told this would not be a good idea. Now it is day eight with the weekend coming tomorrow and I hope they get the check by phone payment done today or my settlement agreement will expire.

Bottom Line: No, I would not recommend this to a friend

Freedom told me to take a court order from my credit card company so they could settle. I took and they never called me or negotiated a settlement. At last minute I called for the third time. They said they would not take my case when they took my money for 4 months. Then I talk to the lawyer they have on my case. He said he was still working on my case. He was supposed to call me on Sunday before to work out details. He never did. I would never go with a debt company again. Depending on your state laws, creditors cannot take your wages or belongings. So just eat credit for 7 years or go bankrupt. Cost lots to do later. Sometimes people have real health issues and have no choice.

Bottom Line: No, I would not recommend this to a friend

For nine months I’ve been with FDR I made the regular payments, plus $1000 of extra payments, kept them updated when the first creditor contact me, offering a settlement, they did nothing and the creditor file a lawsuit, FDR and their partners NLLG settled that debt for 100% of the original value and they increased the monthly payment to more than 220% on me for three months.

At this same time, another creditor sent me an email offering settlement for 55% of the debt value, I immediately forwarded the email to FDR, they made no move at all until today, although the offer had a deadline. Toward this negativity from FDR, I contacted this second creditor and managed to settle this debt for 45% of debt value.

All numbers and dates mentioned above are real and can be proved and I urge every debtor to settle their debt with creditors directly without using this disastrous service.

One last proof that this service is not trustable, try to make a negative comment on their Facebook account after few minutes they remove your comment and block you so you can view their account without making comment.

Bottom Line: No, I would not recommend this to a friend

These folks lied to me for about 5 months. I had a $750 debt, they tried to negotiate down to $20, making me believe they would keep the balance of what I had in the dedicated account about $600. They let this go on for 5 months collecting additional fees for that 5 months. Wasting my time.

Bottom Line: No, I would not recommend this to a friend

Had an issue with my browser as a result of CFT's change-over to a new website. Could not print my monthly statement from either FDR site or CFT site (assume FDR is linking/using the CFT site to process statements on FDR site). Called both FDR support AND CFT support. Ended up with CFT support with a foreign accent (Indian?). Was told that I had to go to MY (non-existent) computer support "person" as "he" did not see my issue! Why is/was YOUR change now MY problem? I ended up identifying/fixing it myself (because I am a computer tech), but what about your clients who do not have this knowledge? Very poor answer from your support team! This needs to be addressed ASAP or you will see severe fall-out from this! You need to fire the support group CFT is using for their web site or fire CFT!

Bottom Line: No, I would not recommend this to a friend

I need to get an attorney. FDR won’t give me back my money $7,500 that I was told to pay by Sonja and my account would be paid in full. Well, it’s not. FDR is paying $1 and $5 a month on my accounts! They are thieves! DON’T use them! Funny, Sonja won’t talk to me now!

Bottom Line: No, I would not recommend this to a friend

Read above, took 2 payments, now I'm overdrawn. One payment on the 7th, you took a payment on the 4th too. The people answering should listen, now I am overdrawn. Help, help. I cannot come up with more!

Bottom Line: No, I would not recommend this to a friend

Never, ever do this program. They claim the program will take this long. They claim they will save you money but in the end, you pay the same amount and possibly more due to their fees. I am still doing Freedom Debt Relief. I watch had my dashboard closely so I would know when I would finally be able to stop paying into the dedicated dashboard. My remaining balance gets to 1 more and I call to confirm the payoff. They tell me I have 6 more months and the dashboard is off. I ask why haven't you taken it down, if it is wrong you are scamming people. They just say I will look into it. I asked to speak to a higher-up, they stated give us 72 hours and someone will contact you. Nope, nothing, and my dashboard still says 1 deposit remaining. It makes it hard to trust a company that can't even write code correctly. I need to get these structured settlements paid off so I never ever have to deal with these people again.

Bottom Line: No, I would not recommend this to a friend

I will never "pay" another rip-off company to attempt to pay/negotiate any bills. Your company and personal were totally worthless. I hope you do post this review. Your company charges too much and does not do anything for the customers. What a cheap way to make money. Get a real job and company without gouging customers!

Bottom Line: No, I would not recommend this to a friend

Were completely useless. Too stupid to answer my question. Told me to look at the darn dashboard which in no way helped me!

Totally useless, incompetent people.

What good is a company that cannot answer a simple payoff question?

Bottom Line: No, I would not recommend this to a friend

I think things are being handled ok, but I don't think their dashboard is very helpful for clients (me). It is very vague for a person who is so over stressed about being harassed about paying credit card bills, and telling a client exactly what is happening and where you are at in the process of negotiating. I am more upset about the fact that when I came on board I was told I could add any bills, such as hospital bills, or I have a few payday loans that I need help with, and I have tried twice to add them on with no success. So meanwhile I am getting cards taken care of, and I am getting bashed by Pay Day loan folks.

Bottom Line: No, I would not recommend this to a friend

It's taking too long to negotiate debt resolution on accounts. Only one account settled in five months. I am very disappointed in the overall performance and in the long duration of the process, plus my crediting rating continues to plunge.

Bottom Line: No, I would not recommend this to a friend

I just wanted a quick credit fix so I can consolidate my credit card debt into one loan. My credit score of 627, which is fair, wasn't good enough. That's totally fine, but I had a better plan to pay off my debt than the lady who called me had. She wanted me to stop paying my cards so they can negotiate with the creditors. I think this is a great debt relief program for others, but just not for me. I haven't paid off my credit cards not because I can't afford to, but simply because I just didn't, but I will pay them off within the next two years. I am trying to get a home loan and only wanted to increase my credit score by lowering my credit utilization percentage.

This service is for those people who are down and cannot get back up, which is not me. The only reason I gave them two stars is for how the lady was speaking to me. She was so condescending, like she was trying to bully me into paying them to fix my credit. If I was desperate, I probably would have fallen for her bullying, but good thing I am not.

If you are on the verge of bankruptcy, go for it, but if you have just been "BSing" like me and can actually afford to pay your credit off, do it yourself. I am not going into default for no reason.

Bottom Line: Yes, I would recommend this to a friend

They are great at stopping the calls and threats, however, you can do the same thing with a phone call and a stamp. They send all of your accounts AT LEAST 60 days delinquent (does wonders for your failing credit score) in order to build your "negotiation account." They average 30% off their negotiations then charge you 25% for their EFFORT. Complete waste of 4 years (24- 48 months, hahahahaha).

You can do it without them! Save your money from them and their "affiliated" litigation. Stay away! One company that cares more about the bottom line then the lies they advertise for you! Please, please, please! Let's put crooked business "OUT OF BUSINESS." Stay away!

Bottom Line: No, I would not recommend this to a friend

I have issues with the honesty of Freedom Debt Relief, as it relates to my account. Let's just say I reached my graduation date in four years, only to find out I am not done yet. Freedom Debt Relief has been sending my checks to a law firm that is defunct and not doing business anymore. Please note, never once was I contacted to be made aware of the situation. I became aware after I called about the closing of my Freedom Debt Relief account. My wife and I were so excited about reaching our final payment after four years to find out that we are still not done with the process. I ask everyone to proceed with caution.

Bottom Line: No, I would not recommend this to a friend

I am not very happy with Freedom right now, my credit card companies are emailing me telling me I am late on my payment, when do they start to pay on my credit cards? Other companies pay the credit cards off and collect from the customer.

Bottom Line: No, I would not recommend this to a friend

I joined Freedom Debt Relief about seven months ago. The sales pitch was excellent; I asked lots of questions and felt I understood the program and the credit score consequences, but felt the light at the end of the tunnel would be the pay off in a few years. I make my payments without a hitch.

My first account, one of the larger ones, was settled within the first few months with a three-month payoff. I noticed fees were taken out and continued to be taken out even after the account payoff. The fees are based on the actual debt and not the settled debt, adding back on to the savings I think I am getting. Then, I am offered a "loan" that only a few select people get is what I am told. The interest rate was set at 25% and extended the term another year, also adding another $100 to what I was already paying. So, now they get 25% interest and 21% settlement fees, again with no guarantee of a timeline or settlement.

I feel very mislead. I have lots of funds in my account, but no new settlement efforts, have a few small accounts that you would think they would get to first and quick. So, after 7 months, a 100-point drop in my credit score and only one account settled. They don't even do any type of outreach to the creditors to notify them. I gave the notice to withdraw, which took me 5 separate phone calls, and I expect they will keep some of my monies for their fees and expect the withdrawals to stop as promised. We'll see.

It is unfortunate that they prey on folks who are wanting to get upright again, put trust in these companies to help, but to only find we are paying just as much to them. I agree with others - I could have done this on my own.

Bottom Line: No, I would not recommend this to a friend

I haven't noticed anything about it yet. Just a bunch of calls...so no comment at this time. I will let you know when things start getting better for me. Everyone that I have dealt with has been very helpful and I hope it stays that way.

Bottom Line: No, I would not recommend this to a friend

My experience has been great up until recently. I joined FDR almost 2 years ago. Everything was going well until I deposited a lump sum of funds into my dedicated account to cover the cost of the creditors and fees owed to GET.

Since then I feel like I have not been given a solid answer. When I started the program I was told once enough funds have been deposited into your dedicated account then you can call and have the creditors paid in a lump sum.

Well about a month ago, I deposited enough funds to pay both the creditors and FDR. To the date, FDR is unable to provide me with concrete dates as to when creditors will be paid nor my expected graduation date.

I was told that FDR had changed systems and an exact date of payment to creditors could not be provided but to continue to follow up on my client Dashboard and that my graduation date was near but a specific date could not be provided.

Although customer service has been exceptional, the amount of information that has been provided has had no benefit. My hope was to be done with this and have everyone paid this month but that is not likely to happen. Any concrete information that can be provided would be great. Depending on the outcome of how quickly FDR can get this completed will depend on how likely I will refer anyone to FDR.

Bottom Line: No, I would not recommend this to a friend

I have only been with you for a month and I don’t know of any progress on my accounts, nothing comes up when I look on the dashboard. My eyesight is not the greatest so if you could possibly send me a printout every quarter it would be greatly appreciated.

Bottom Line: Yes, I would recommend this to a friend

As I'm stuck now between a rock and a hard place, I can tell you that the way FDR conducts their business is sneaky and has made me lose trust in ANYONE. I'm struggling WORSE than before I called them, only now I can't back out or I'm totally and completely ruined. Life has lost meaning as I feel alone and manipulated. All I get is, "we can't do that", "that's no our area", "we aren't in charge of that situation", "sorry you're going thru this, I understand but can't do anything about that" - call this number or those numbers...

Bottom Line: No, I would not recommend this to a friend

I changed my dedicated account to SunTrust from Navy Federal, and I gave this information by email and did a phone call. I was told on the phone call that the correct bank would be used. It was not.

There is still an overdraft on the Navy Federal account of $287.00 and it has not been reversed, nor has the SunTrust account been debited. I was told that Freedom Debt would correct the problem, but yet it has not been done. This relationship has not started out very well at all. I would not recommend this plan to a friend at this point.

Bottom Line: No, I would not recommend this to a friend

At first they were really helpful. They said the website would have everything I needed and they would upload any documents I would need there so I could download them if I needed. Like tax 1099C or any settlement notices they received. Nope, that never happed. Getting my 1099C from them was like pulling teeth on a crocodile. Telling me they would go to my address, how could the creditors sent to my address when you at the beginning asked me to change my address to your address in Arizona?

Let's talk about fees, wow, these guys are expensive, I understand they are negotiating my card balances down but 21% and then $3 or $5 or $10.00 fees for every payment made, EFT fees, every phone call made.

Then they change their website and you no longer can see each settlement payment by monthly transaction and the date it will pay and how much.

Customer service will not help, they just beat around the bush.

I paid a lump sum to graduate early, they are the ones that told me the actual dollar figure to send in to pay everything off, that was on 9/15/2019. Usually when you have enough money to pay a settlement they will pay it off. Oh, not this time, oh, they stated oh, the rules have changed, we will not pay your 4 accounts until the 5th account is fully negotiated with the company. Strange when just a month prior they just paid an account because there was enough money in the account to do so, but when it was on my terms, they refused. They just wanted all of those monthly EFT fees to add up. But they finally did. No, I am waiting on one account that on my credit report that reads charged off as bad debt profit and loss write off and they refuse to give me answers on what they are going to do next, the account is no longer reporting there is no new collection on my account so the company did not transfer the debt, it says charged off as bad debt profit and loss write-off.

Bottom Line: No, I would not recommend this to a friend

I think Freedom Debt Relief is working hard to help me get back on the right track, but I personally just don't think it's moving as fast as I thought it would on the smaller debts! I was told that after a 120 is when they would go after Synchrony bank debts, but I had to call Freedom Debt well after four months (it seems like) before I received any word on my first settlement!

Bottom Line: No, I would not recommend this to a friend

It has been going great so far with two accounts settled and paid (don't forget that forgiven debt is taxed!) and was on my way to complete it in 2018. Last month I noticed my program end date shot up from 2018 to 2022 unless I pay more. I'll keep this updated since I recently contacted customer service.

Bottom Line: Yes, I would recommend this to a friend