Consumer complaint received 2020-01-14
Company: FREEDOM FINANCIAL NETWORK
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is all about Freedom Debt Relief. Before I enrolled into the scam program, Ive spoken with XXXX XXXX ( certified Debt Consultant ) via the phone on XX/XX/2017. He tried too hard convincing me to enroll into the program. I never forget what he said to me that I could buy a house with a better credit score after they negotiate and settle with my creditors first. What he told me was all lies. He NEVER explained to me in details such as settlement fees ( very high rate fees ) and my other great credit cards that dont work with FDR those creditors would reduce my original credit limit and even closed my account immediately without a warning - he pushed me to join FDR while we talked on the phone, when I decided to join the program, he told me not to read the agreement that I had to sign up all my initial name and my signature on the agreement. I've received few emails from him XXXX XXXX. his email is XXXX ad his phone number is XXXX. He told me I had to change my contact information with my creditors ( I don't like the idea of changing my contact information ) so I changed them to their company which was XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, AZ XXXX and phone # XXXX. I paid {$340.00} per month ( {$170.00} bi-weekly ). Ive called three different FDR representatives, they told me complete different stories with all different answers and details that I never heard before enrolling the program. My creditors endlessly bothered and called me through my smartphone and at my home and my parents phone number and my workplace - ( XXXX called at my workplace like 10 times per day! ) - ( they will find a way to contact me in an odd way ) strangely enough, FDR kept telling me to ignore all of their calls are you kidding me?! I learned that my credits XXXX and XXXX XXXX arent allowed to be negotiating and settling. That's why XXXX kept calling me trying to tell me to ignore Freedom Debt Relief because XXXX would never work with them. Oddly, FDR told me they would help me eliminate debts with XXXX and XXXX XXXX? If FDR knew about this, why would they put me at risk? That means they dont care about me. FDR had negotiated with one of my creditors which was XXXX XXXXXXXX XXXX settled for {$800.00} but i had no idea about them FDR charging me over {$600.00} for their settlement fee. Not only that, FDR never made a payment to XXXX XXXX XXXX because I had no clue what XXXX   and FDR have been talking about having a settlement without having me involved discussing with two of them. I paid XXXX XXXX XXXX  out of my pocket ( nothing from FDR ) I have two credit cards from XXXX, one of them wasn't working with FDR which was XXXX XXXX under XXXX, XXXX immediately closed my XXXX XXXX XXXX credit card without a warning, and also XXXX left me chargeoff via my credit report ( I didnt know about charge off for almost a year I was never informed by FDR about this charge-off and FDR didnt pay immediately to my creditor XXXX after agreeing with settlement and negotiation I don't know what they were doing with my money that I paid them monthly as they kept my settlement fee so I cancelled the program with FDR in XX/XX/2017 and i received less than {$200.00} refund from them. My credit score used to be XXXX and it has been dropping over 200 points. FDR made me to lie and made me feel like I'm a criminal.

Company response to consumer: Closed with explanation