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Data / Consumer complaints / Freedom Financial Network

Freedom Financial Network: 695 CFPB consumer complaints in the last 3 years

Freedom Financial Network drew 695 consumer complaints in the CFPB database in the three years to November 6, 2026, and 1,192 since 2019. The largest group, 241, was about debt or credit management, and the most common issue was “Incorrect information on your report” with 142. The company responded on time to 99.6% of the complaints, and 7.6% closed with monetary or other relief. The CFPB records the company as FREEDOM FINANCIAL NETWORK.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt or credit management companyGet debt or credit management in California
  • 695Complaints, last 3 years
  • 1,192Complaints, all years
  • 99.6%Responded on time
  • 7.6%Closed with relief
  • 8Products
  • Nov 5, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6242
2025254
2024177
2023106
2022120
202191
2020105
201997

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt or credit management24134.7%
Credit reporting or other personal consumer reports22632.5%
Debt collection12618.1%
Payday loan, title loan, personal loan, or advance loan7711.1%
Mortgage213%
Credit card20.3%
Checking or savings account10.1%
Student loan10.1%

Issues

IssueComplaintsShare
Incorrect information on your report14220.4%
Didn't provide services promised9714%
Improper use of your report557.9%
Problem with a company's investigation into an existing problem486.9%
Took or threatened to take negative or legal action476.8%
Charged upfront or unexpected fees426%
Confusing or misleading advertising or marketing415.9%
Attempts to collect debt not owed344.9%
Problem with customer service273.9%
Unauthorized withdrawals or charges182.6%
Confusing or missing disclosures162.3%
False statements or representation162.3%
Getting the loan131.9%
Trouble during payment process131.9%
Written notification about debt131.9%
Communication tactics121.7%
Problem when making payments121.7%
Charged fees or interest you didn't expect91.3%
Problem with the payoff process at the end of the loan71%
Struggling to pay your loan60.9%
Problem with additional add-on products or services50.7%
Closing on a mortgage40.6%
Electronic communications40.6%
Credit monitoring or identity theft protection services30.4%
Applying for a mortgage or refinancing an existing mortgage10.1%

How the company responded

Company responseComplaintsShare
Closed with explanation60286.6%
Closed with monetary relief537.6%
In progress405.8%

States

StateComplaintsShare
California11015.8%
Florida8812.7%
Texas689.8%
New York649.2%
Pennsylvania284%
North Carolina253.6%
New Jersey253.6%
Georgia233.3%
Maryland213%
Arizona202.9%
Michigan192.7%
Illinois152.2%
Indiana152.2%
Louisiana152.2%
Massachusetts111.6%
Missouri111.6%
Nevada111.6%
Ohio111.6%
Tennessee111.6%
Alabama101.4%
Arkansas81.2%
Kentucky81.2%
Oklahoma81.2%
Virginia81.2%
Minnesota71%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 5, 2026Debt or credit managementCharged upfront or unexpected feesIn progressconsumerfinance.gov
November 3, 2026Debt or credit managementCharged upfront or unexpected feesIn progressconsumerfinance.gov
November 2, 2026Debt or credit managementProblem with customer serviceIn progressconsumerfinance.gov
October 30, 2026Debt or credit managementCharged upfront or unexpected feesIn progressconsumerfinance.gov
October 29, 2026Debt or credit managementDidn't provide services promisedIn progressconsumerfinance.gov
October 28, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 27, 2026Debt collectionTook or threatened to take negative or legal actionIn progressconsumerfinance.gov
October 26, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
October 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 23, 2026Debt or credit managementProblem with customer serviceIn progressconsumerfinance.gov
October 22, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 21, 2026Debt or credit managementDidn't provide services promisedIn progressconsumerfinance.gov
October 21, 2026MortgageClosing on a mortgageIn progressconsumerfinance.gov
October 21, 2026Debt or credit managementProblem with customer serviceIn progressconsumerfinance.gov
October 20, 2026MortgageTrouble during payment processIn progressconsumerfinance.gov
October 19, 2026Debt or credit managementDidn't provide services promisedIn progressconsumerfinance.gov
October 17, 2026Debt or credit managementDidn't provide services promisedIn progressconsumerfinance.gov
October 15, 2026Debt or credit managementDidn't provide services promisedIn progressconsumerfinance.gov
October 15, 2026Debt or credit managementConfusing or misleading advertising or marketingIn progressconsumerfinance.gov
October 15, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanIn progressconsumerfinance.gov
October 14, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 9, 2026MortgageImproper use of your reportIn progressconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 7, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
October 5, 2026Debt or credit managementDidn't provide services promisedIn progressconsumerfinance.gov
October 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 5, 2026Payday loan, title loan, personal loan, or advance loanProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 3, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 3, 2026MortgageTrouble during payment processIn progressconsumerfinance.gov
October 2, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 1, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 1, 2026Debt or credit managementDidn't provide services promisedIn progressconsumerfinance.gov
September 29, 2026Debt or credit managementConfusing or missing disclosuresIn progressconsumerfinance.gov
September 26, 2026Debt collectionWritten notification about debtClosed with monetary reliefconsumerfinance.gov
September 23, 2026Debt or credit managementDidn't provide services promisedIn progressconsumerfinance.gov
September 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 22, 2026Debt or credit managementCharged upfront or unexpected feesIn progressconsumerfinance.gov
September 17, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanIn progressconsumerfinance.gov
September 14, 2026Debt or credit managementDidn't provide services promisedIn progressconsumerfinance.gov
September 10, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 10, 2026Credit cardIncorrect information on your reportIn progressconsumerfinance.gov
September 9, 2026Debt or credit managementConfusing or misleading advertising or marketingIn progressconsumerfinance.gov
September 9, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 9, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 9, 2026Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
September 8, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 5, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 3, 2026Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
September 1, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 1, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.