Freedom Debt Relief, LLC

We have made our initial attempts to reach*** *** She has requested email communication so we are currently working with her towards a resolution

Initial Business Response /* (1000, 5, 2015/12/20) */
We have communicated with Ms*** and explained that she only has a negative balance of $in her dedicated account, and the reason she was negative funds is because one of her monthly deposits did not clear from her bankWe look forward
to working with Ms*** to settle all of her accounts she has enrolled in our program
Initial Consumer Rebuttal /* (3000, 7, 2015/12/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When I called the customer service lady who was really rude stated I was negative$dollars and in order for them to help I need to sign up again but first pay the negative amount.I habe called *** but I can never speak to him
Final Business Response /* (4000, 9, 2015/12/29) */
We are sorry for any concerns about speaking with *** is in the process of contacting Ms*** and has left his direct extension and email addressWe are committed to resolving her complaint as soon as we make contact with her
Final Consumer Response /* (4200, 11, 2015/12/31) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I will not take that as in excuse I have been calling him to his direct line, the recording states Mr *** is at home freedom financial needs to correct this issue.This is just not apropriate customer service at all but when they are trying to make you sign oh there is more than enough reps to take your call

Initial Business Response /* (1000, 5, 2015/12/20) */
We apologize that Ms*** has had frustrations about how the funds in her dedicated account were being used to settle her enrolled accountsHowever, the funds in her dedicated account were used to successfully negotiate settlements of the
accounts she enrolled in our programWe will continue to work with Ms*** to resolve the last accounts she has enrolled in our programMs*** has requested a refund of her fees on the account that she was coached to settle, and as a courtesy we have offered her a partial refund of those fees
Initial Consumer Rebuttal /* (2000, 7, 2015/12/31) */
(The consumer indicated he/she ACCEPTED the response from the business.)
If they agree to give back $of the fees that was over $I will agree to their termsThey never set an amount
The amount they took out was a lot more than the account was settled for
Final Consumer Response /* (2000, 14, 2016/02/16) */

Initial Business Response /* (1000, 6, 2016/01/05) */
Mr*** did complete our program and there was an error at Crossroads Financial to return Mr***'s remaining funds from his dedicated accountThis has been corrected and Mr*** should receive his funds in the next business
days
Initial Consumer Rebuttal /* (3000, 10, 2016/01/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
AS OF TODAY SUNDAY Jan 10, I checked my account with Freedom and the balance has gone down from $to $another $has been taken out for maintenance feesHowever, I did receive a $check from them FridayAs to their overnighting a check for the balance I have not received that check that was supposed to be for the $How can they send me a check for this amount and deduct the $from the accountJust another lie in all that I have been toldThey now owe me another $for the maintenance fees on the over payments that were made
Final Business Response /* (4000, 16, 2016/01/25) */
Ms*** has completed our program and the remaining funds in her dedicated account have been overnighted to herBecause Ms*** placed a stop payment on her deposit to Crossroads Financial, her dedicated account was a closed and there was an error completing her withdraw requestWe are sorry for any inconvenience this has caused her
Final Consumer Response /* (2000, 18, 2016/01/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)

We have reached out to *** *** regarding his complaint, discussed the account and associated fees for*** *** *** and*** *** *** *** and clarified how much was collectedBoth parties feel the complaint is resolved at this time.*** *** has a direct point of
contact, should he have any questions or concerns moving forward

We are sorry *** *** has had trouble closing his accountWe have spoken with *** *** and confirmed his program has been terminated and all funds from his dedicated account have been returned

Initial Business Response /* (1000, 5, 2015/06/21) */
Mr*** requested to terminate from our programHis request to terminate has been processed and written communication of this has been provided to Mr*** per his request

Initial Business Response /* (1000, 11, 2015/08/21) */
Ms*** has one account remaining in her debt settlement programWe have committed to speak with Ms*** daily to keep her informed of our progress with negotiating the last accountWe anticipate that this account will be settled by the
end of next weekPer Ms***'s request, we have provided her the contact information for all credit bureaus and copies of her payments to each of her creditorsMs*** also requested a detailed transaction history of all her transactions to Crossroads Financial TechnologiesThis has been provided

We have reached out to *** *** regarding her Revdex.com complaint to discuss the benefit and savings of the Freedom Debt Relief and Consolidation Plus programs.*** *** has also requested that all of her creditors she enrolled into the program be reported and confirmed paid and satisfiedUpon enrolling in the Consolidation Program, we have reached settlements with each of the creditors entered into her program and reached an average settlement amount of 46% on her enrolled debtsThese creditors have received their payment from *** *** Consolidation Plus program, and her accounts with them have been marked as resolved*** *** also has further questions that she would like us to answer with a third party she has been working with, so we are waiting on*** *** to reach out to her dedicated point of contact from Freedom Financial so we can fulfill her request accordingly

Initial Business Response /* (1000, 5, 2015/12/20) */
We are sorry for any misunderstandings regarding Ms.***'s programWe have sent her a detailed transaction history from her dedicated account and we are in the process of negotiating a settlement for her last accountWe will continue to
make attempts to reach Ms*** to review all of her concerns
Initial Consumer Rebuttal /* (3000, 7, 2015/12/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have copies of statement from my dedicated account with FreedomI know exactly what is coming out and whenMy issue is I am being told by one of there customer service rep that the money is not being paid out appropriately
The attachment that was sent to me by freedom that they are referring to I can't open the file.if the funds are being forwarded to Citibank like my statements are reflecting, then which account are they in negotiations with! I am confusedSo which is itAre the funds being paid or not?
Final Business Response /* (4000, 9, 2015/12/29) */
Ms*** is only months into an estimated month programWe have communicated with Ms*** and explained exactly which accounts are being negotiated and paid and which ones will still need to be worked on for her to complete our programWe have also provided her a specific person to work with until she has completed her program
Final Consumer Response /* (2000, 11, 2015/12/31) */
(The consumer indicated he/she ACCEPTED the response from the business.)

*** *** requested to have her first scheduled deposit canceledUnfortunately the request was not processed within the required time frame, resulting in the deposit taking placeWe are sorry for any inconvenience this has caused her and we have refunded the deposit and the overdraft fees her bank
charged her

We have reached out to[redacted] to resolve her complaint and have confirmed that her account has been fully terminated from the program. Additionally, the remaining funds in her dedicated account have been returned to her. [redacted] has been assigned a direct point of contact, should...

she have any further questions or concernst that we may be able to assist her with.

Initial Business Response /* (1000, 5, 2015/04/30) */
We negotiated a settlement for one of Ms. [redacted]'s enrolled accounts and because of a draft that was not made by Ms. [redacted] her settlement went null and void. We are working with the creditor to renegotiate a new settlement and continue to...

keep Ms. [redacted] informed on our progress and will do so until this account is resolved.
Initial Consumer Rebuttal /* (3000, 7, 2015/05/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
In August 2014 I called and spoke to an associate who gave me the amount needed which included the draft and all other fee's necessary to finish this debit plus their fee's which came to approximnately 2000.00. I can look up this amount on my bank statment at any time if Freedom Debit Relief does not correct their statment. As I have stated this debit should have been resolved as per the agreement.
Final Consumer Response /* (3000, 10, 2015/05/10) */
The last Payment I made to Freedom Debt Relief was on 9/22/2014 for the amount of $1605.26 -Crossroads # XXXXXXXXX
XXXXXXXX- this was the amount the assosciate told me would be enough to cover the Chase agreement and all their fees.

We have reached out to[redacted] to discuss her account and review her concerns. We were able to resolve[redacted] complaint and she has been appointed with a direct point of contact should she need further assistance.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

Initial Business Response /* (1000, 5, 2015/05/21) */
Mr. [redacted] decided to terminate from the program and was charged the fees he owed based on accounts we had negotiated for him, according to the terms of the client agreement. Mr. [redacted] was not happy about this, and as a courtesy we have...

offered Mr. [redacted] a partial refund. Mr. [redacted] has accepted this as resolution to his complaint.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.   They are providing a refund to us of $500 which is less than what I believe we deserve, but I am satisfied with it.Sincerely, [redacted]

We have thoroughly researched [redacted] account and her complaint to ensure we provide her with the best resolution. At this time, we have provided[redacted] with a resolution that both parties agree to be satisfactory and she has been provided with a direct point of contact, should she have...

any further questions throughout the duration of her program.

Initial Business Response /* (1000, 5, 2015/09/04) */
Ms. [redacted] was only enrolled in our program for about 4 months. In the time she was in our program, we were able to negotiate a settlement for less than 50% on one of her largest accounts. Ms. [redacted] was not clear about how involved she...

may need to be to be successful in the program and she stated she was not clear on what our fees were and how we charged her for fees. We never charge fees to our clients until we negotiate a settlement that our clients approve. As a courtesy we have offered Ms. [redacted] a partial refund.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do accept their resolution and they have provided me with a partial refund. However, their written response makes it sound like the issue at hand was all my misunderstanding and they take no responsibility for their actions (or inactions or misactions) on their end. Yes, I was enrolled for several months, during which time I had to continually push for action toward my creditors. Yes, I misunderstand fee arrangements, but that was because they were misrepresented by an individual in their employ. And, yes, one (1) creditor in all this time was negotiated, but mostly because I stepped in and worked in conjuntion with that creditor to get this taken care of. Revdex.com may consider this matter resolved and closed, however, I felt their written response was not quite the actual truth of the matter. As long as my response is shared with consumers along with theirs, I am more than happy to close this matter.
Final Business Response /* (4000, 9, 2015/09/15) */
Ms. [redacted] was only enrolled in our program for about 4 months. In the time she was in our program, we were able to negotiate a settlement for less than 50% on one of her largest accounts. Ms. [redacted] was not clear about how involved she may need to be to be successful in the program and she stated she was not clear on what our fees were and how we charged her for fees. We never charge fees to our clients until we negotiate a settlement that our clients approve. As a courtesy we have offered Ms. [redacted] a partial refund.

Initial Business Response /* (1000, 5, 2015/09/04) */
Ms. [redacted] joined our program in December of 2015. We were able to negotiate a settlement for her Discover card in July of 2015. This is Ms. [redacted] largest enrolled account and when there are additional funds available our Negotiations...

team will be able to negotiate with her other creditors. We have been attempting to contact Ms. [redacted] to explain how the program works and the time frames it takes to obtain settlements, but she has not responded to any of our messages. It is important to us that she feels comfortable on how our program works and we will continue to attempt to reach her to answer any questions she has.