Consumer complaint received 2025-10-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: WI

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX Consumer Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Complaint Against Freedom Debt Relief Regarding Unilateral and Predatory Amendment to Debt Resolution Agreement To Whom It May Concern : I am writing to file a formal complaint against Freedom Debt Relief, hereafter " the Company, '' regarding a unilateral amendment made to my Debt Resolution Agreement ( DRA ). I believe this amendment, dated XX/XX/year>, introduces unfair, deceptive, and abusive terms that severely harm my interests as a consumer and potentially violate consumer protection laws. 

On XXXX about XX/XX/year>, I received a notice that Section XXXX ( f ) of my DRA was being amended. The new clause grants the XXXX the right to assign all of its rights and obligations under our agreement to any third party, at any time, without my prior notice XXXX consent. 

The specific terms of this amendment are profoundly harmful for the following reasons : XXXX. Complete Loss of Consumer Choice and Control : I entered into this agreement with Freedom Debt Relief based on my research and trust in their specific services. This amendment allows them to transfer my entire financial account to an unknown, and potentially less reputable, entity without my permission. I am being forced into a relationship with a company I did not choose and have not vetted. 
XXXX. Erosion of Accountability and Legal Recourse : The amendment states that if the Company assigns the agreement, it is " released from our obligations to you. '' This is an egregious term that absolves the Company of all responsibility for the service I contracted for. If the new entity provides poor service, acts unethically, XXXX breaches the contract, my ability to seek recourse from the original party I hired is severed. 
XXXX. High Risk of Service Disruption : The transfer of my account between servicers creates a significant risk of administrative errors, loss of progress in negotiations with my creditors, and a breakdown in communication. I may lose the relationship with a dedicated negotiator who understands my case, leading to delays that could cost me more money and worsen my financial situation.

4. Introduction of Undisclosed Third-Party Financial Risk : The clause allowing the Company to pledge my agreement and its right to my fees as collateral for a loan is alarming. It means that a third-party lender, with no obligation to me, could acquire a financial interest in my debt resolution plan. If the Company defaults on its loan, my sensitive financial agreement could be seized by a bank, adding a layer of risk I never agreed to.

This amendment fundamentally alters the nature of our agreement from a service contract into a transferable financial instrument, solely for the Company 's benefit. It strips me of my rights as a consumer and exposes me to substantial financial and legal harm. The minor provision to notify me of a servicer change after the fact is entirely inadequate and does not mitigate the severe risks imposed. 

I believe these practices are unfair and deceptive. I entered into a contract in good faith, and this unilateral change destroys the foundation of that agreement. 

I am requesting that the Consumer Protection Bureau : Investigate Freedom Debt Reliefs use of these unilateral amendment practices.

Determine whether these clauses violate consumer financial protection laws regarding unfair, deceptive, or abusive acts or practices ( UDAAP ). 
Take appropriate action to halt the use of these predatory clauses and protect me and other consumers from these harmful terms. 
I have attached a copy of the amendment notice and my original Debt Resolution Agreement for your review. Thank you for your attention to this serious matter. I can be reached at the phone number or address above if you require any further information. 

Sincerely, X Signature Enclosures : Copy of Amendment Notice dated XX/XX/year> : Amendment to Debt Resolution Agreement Last updated : XX/XX/year> Section XXXX ( f ) of your Debt Resolution Agreement is amended to add the following to Section XXXX ( f ) : We may assign all or any portion of our rights and obligations under this Agreement to any person or entity. This may happen at any time and without notice to you. If we assign all of our rights and obligations under this Agreement, we will be replaced as a party to this Agreement by that person or entity and released from our obligations to you. In that case, we will continue to provide the debt relief services described in this Agreement as a servicer on behalf of the person or entity that we assign to, unless we are unable to do so or are terminated as servicer. If we are unable to provide services or are terminated as servicer, the person or entity that we assign to will seek to appoint a different provider to service your Agreement. You will be notified of the name, address, and telephone number of the new provider within fifteen ( 15 ) days of any such change in servicer. Notwithstanding any other provision of this Subsection 7 ( f ), we may at any time pledge or grant a security interest in all or any portion of our rights ( including rights to payment of our fees ) under this Agreement to secure our obligations, including, but not limited to, any pledge or security interest granted to ( i ) a collateral agent, collateral trustee or indenture trustee and ( ii ) a Federal Reserve Bank, without notice to you or your consent.

Copy of Original Debt Resolution Agreement FACTS WHAT DOES FREEDOM DEBT RELIEF , LLC ( " FREEDOM '' ) DO WITH YOUR PERSONAL INFORMATION?

why Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. 

What? 
The types of personal information we collect and share depend on the product XXXX service you have with us. 
This information can include : Social Security number, XXXX XXXX, credit card, XXXX other debts Name and contact information, account balances and transaction history Income and employment information How? 
All financial companies need to share customers ' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers ' personal information ; the reasons Freedom chooses to share ; and whether you can limit this sharing. 
Reasons we can share your personal information Does Freedom share?

Can you limit this sharing?

For our everyday business purposes such as to process your transactions, maintain your account ( XXXX ), respond to court orders and legal investigations, XXXX report to credit bureaus Yes No For our marketing purposes to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates everyday business purposes information about your transactions and experiences Yes No For our affiliates everyday business purposes information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes To limit our sharing Call XXXX ; XXXX, Complete the form online : XXXX XXXX XXXXXXXX. 
Please note : If you are a new customer, for those types of information where you have a right to limit our sharing, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a customer, we continue to share your information as described in this notice. 
However, you can contact us at any time to limit our sharing. 
Questions? Please contact us as noted above XXXX visit XXXX online at https : //www.freedomdebtrelief.com/freedom-debt-relief- Who we are Who is providing this notice? Freedom Debt Relief , LLC ( Freedom ) What we do How does Freedom protect my personal information? 
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. 
How does Freedom collect my personal information? 
We collect your personal information, for example, when you Fill out an application XXXX provide lead information XXXX an account XXXX give us your income information Provide account information XXXX provide employment information Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates XXXX other companies. 
Why can't I limit all sharing? 
Federal law gives you the right to limit only Sharing for affiliates ' everyday business purposesinformation about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions Affiliates Companies related by common ownership XXXX control. They can be financial and nonfinancial companies. Our affiliates include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Freedom Debt Relief , LLC ( dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
Nonaffiliates Companies not related by common ownership XXXX control. They can be financial and nonfinancial companies. 
Nonaffiliates we share with include direct marketing companies, service providers, insurance companies, and broker/dealers. 
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products XXXX services to you. 
Our joint marketing partners include : financial institutions, lead generators, and ^ * * * * * * * * * * * * * * * * * * * * * * * * * For Nevada Residents We are providing you this notice pursuant to state law. You may be placed on our internal " do not call '' list by calling or complete the online form using the information provided at the bottom of this page. You may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

For Vermont Residents In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent XXXX to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization XXXX consent but we XXXX share information about our transactions XXXX experiences with you with our affiliates without your consent. 

For Montana Residents In accordance with Montana law, we will not disclose your name XXXX personal information to anyone other than your enrolled creditors XXXX our agents, affiliates, XXXX contractors and other third party providers as necessary to conduct business. 

For California Residents In accordance with California law, we will not share information we collect about you with nonaffiliates, except as allowed by law. 
For example, we may share information with your consent or to service your accounts. You may also have additional rights to limit the disclosure of your personal information under the California Consumer Protection Act ( CCPA ).

See below for your right to limit our sharing among our affiliates. 
Your Rights You have the following rights to restrict the sharing of personal and financial information with our affiliates ( companies we own XXXX control ) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, XXXX to give you the best service on your accounts with us. This includes sending you information about some other products XXXX services. 
Your Choices Restrict Information Sharing With Companies We Own XXXX Control ( Affiliates ) : Unless you opt-out we XXXX share personal and financial information about you with our affiliated companies. 
Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services : Unless you opt-out we XXXX share personal and financial information about you with outside companies we contract with to provide financial products and services to you. 
Time Sensitive Reply You XXXX make your privacy choice ( XXXX ) at any time. However, if we do not hear from you we XXXX share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services. 
To exercise your choices, do XXXX of the following : Call XXXX ; XXXX, XXXX the form online : XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Copy of Notice by Freedom Debt Relief of XX/XX/year> : Your Annual Privacy Notice and Update to Your Debt Resolution Agreement Reply to : XXXX To : XXXX Date : XX/XX/year>, at XXXXXXXX XXXX XXXXXX/XX/year> We want to notify you of our current privacy practices and of new terms to your debt resolution agreement with Freedom Debt Relief There is no action needed from you today, but if you would like to learn more, please visit the following links for our current Privacy Notice ( available HERE ) and the new terms to your debt resolution agreement ( available HERE ). 

The current terms of your debt resolution agreement remain unchanged, and the new terms described in the above link will take effect in fifteen ( XXXX ) days. 

If you have any questions XXXX concerns, please contact us at XXXX. Thank you for being a valued client of XXXX. 

XXXX Freedom Debt Relief XXXX Customer Service XXXX XXXX Client Dashboard

Company response to consumer: Closed with explanation