All in all, we have paid them $3,154.00 & are now in financial ruins. When I cancelled our program I requested those settlement fees be refunded as they never settled any of our debts. Our escrow had a negative balance of over -$400.00 when I cancelled my program with Freedom Debt Relief a little over a week ago. Then over the last 2 months, they continued to charge us settlement fees that has left our escrow with a negative balance the entire time. A few days later, they took $2,239.30 out of our escrow acct for a settlement fee on the cancelled settlement leaving our escrow at $0. So the acct was removed & the settlement was cancelled. They said the only way to cancel the settlement was to remove that acct from the program since 1 payment of $50.00 had already been sent to that creditor. That one settlement would have taken almost our entire payment each month so no other debts could be settled for at least 2 more yrs. After really digging into the settlement I discovered that they would pay $50.00 a month for 6 months then after that the payments would jump up to almost $600.00 a month.
In March or April of 2023, we accepted a settlement offer on the acct w/ the highest balance we had enrolled with them. We got on a debt settlement program thru Freedom Debt Relief in Dec 2022. VERY DISSATISFIED AND UNHAPPY WITH THIS COMPANY/SITUATION. UNSURE OF HOW LONG THAT RESPONSE WILL TAKE. I HAVE NOW EMAILED THEIR LEGAL DEPARTMENT (TO DISCONTINUE MY ACCOUNT IMMEDIATELY), AS THEY WON'T SPEAK TO ME NOW. THEY HAVE HAD ALMOST 2 MONTHS NOW AND DO NOT SEEM TO BE GETTING ANYTHING STRAIGHT.
I WAS ALSO TOLD TO GIVE FDR A FEW WEEKS TO GET THIS ALL STRAIGHT. THEIR "DASHBOARD" WEBSITE IS DOWN (UNTIL MONDAY, I WAS TOLD), SO TO SEE EXACT BALANCES/DEDICATED FUNDS IS IMPOSSIBLE TODAY. WE ARE TALKING ABOUT THOUSANDS OF DOLLARS AND I CAN'T GET THIS PROBLEM RESOLVED. AFTER SPENDING ANOTHER HOUR ON THE ***** TRYING TO GET THIS ALL SETTLED, THEY REFUSED TO SPEAK TO ME ANY FURTHER (DUE TO MENTIONING AN ATTORNEY IF THIS CAN'T BE RESOLVED). TODAY, THEY ARE TAKING $787 OUT OF MY CHECKING ACCOUNT (UNAUTHORIZED, WHICH WILL COST ME TO STOP PAYMENT ON). I HAVE INFORMED FDR THAT NO FURTHER MONIES ARE TO BE TAKEN OUT OF MY ACCOUNT. I DEPOSITED $11,329.22 (MAY 30 AND 31, 2023)TO SETTLE ALL OPEN ACCOUNTS. I HAVE SPENT HOURS ON THE ***** (CALLING 5 TIMES SINCE MAY) TO SETTLE MY ACCOUNT WITH THE CREDITORS REMAINING. The lady I spoke with said they will not refund that amount even though the account has been canceled. I was told to contact my back to initiate a stop-payment on that draft. Additionally, there is a pending draft from my bank account of $411.00. When I canceled the program I was told I would only receive $9.00 back. There was never an explanation that 75% of my money would go towards a bogus settlement fee. From the $4,521.00 deposited in this account only $300 of it has made it to my creditors. They charge withdraw $411/month from my account and $50 goes to debt payments and $9.99 go towards service fees. I have paid $4521 into this account - that is the amount listed in my Dedicated account.
I have been enrolled in this program since August 2022. Depending on what we find, we will typically:Send your complaint to the company for a response or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office or Let you know if we need more information to continue our work.YOUR COMPLAINT I called to cancel my Freedom Debt Relief (FDR) program today, Aug 2, 2023.
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