Consumer complaint received 2022-11-30
Company: FREEDOM FINANCIAL NETWORK
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FREEDOM PLUS XXXX XXXX XXXX XXXX XXXX, AZ. XXXX I opened an account with Freedom Plus in XX/XX/2022. In XX/XX/2022 I came down with XXXX XXXX. Since I am self employed I was unable to work and produce any income. I was in communication with Freedom and made them aware of my situation that I was sick with XXXX  XXXX and I was in a XXXX XXXX XXXX. I had XXXX XXXX the prior year and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in jeopardy of not being able to make my payment on time. I finally made my payment but it was on the XXXX day. I also had a hold on my deposit due to fraud on my account. Thus my payment was returned. XXXX resubmitted the payment and it was processed. I made my current payment for XXXX a few days later thru a different bank because of the deposit hold and I had the same issue. Within days both payments were processed and my account is current. I was told that my credit report will probably report a thirty ( XXXX ) day late on my credit report. I requested a XXXX time courtesy and not report the late because it would jeopardize my ability to obtain credit when I need it because of my illness. I was told by the representative that I was eligible for a payment deferral for the payment in question and I told her that in all of my conversations with the representatives that NO ONE offered my that option. Then I was told by the representative that they do not charge late fees and I should have read that information in my contract and as far as she saw it that a XXXX XXXX Late would probably be reported. Come to find out I NEVER received any contract or any documentation of the terms of my loan. So it would be impossible for me to be aware of the opportunity to get a payment deferral. Also NO representative in the many conversations I had with them no one offered me that option. I do believe that it is a law to disclose to the consumer which is me, the terms and conditions of my loan. I spoke to another representative and I advised him that I did not and do not have a copy of my loan agreement. He told me that it was too many pages to email and that he would mail me a copy within XXXX business days. My request is that Freedom report on my credit report that I have paid as agreed and DO NOT report the XXXX Day ( XXXX ) late because I was never given the opportunity that was available to me because of information withheld by Freedom that would have been a huge help given my illness It would also be devastating to my ability to obtain credit in the future. Again my account is current and not due again until XX/XX/2022. I would like to thank you in advance for your help and consideration in this matter. This request is for all three major credit reporting agencies. XXXX, XXXX and XXXX XXXX. Report PAID AS AGREED for my account. Given the fact that I was not afforded options available to me and the fact that I was not given a copy of my contract and terms of my loan how can any consumer follow the rules when you are not given the rules or the terms of our agreement. Thank you.

Company response to consumer: Closed with explanation