Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

Membership Information

This business is not a member of Business Consumer Alliance. This fact does not disparage the company in any way.

Recent Review

Posted on 12/16/2016 Michael V.

No Sense of Customer service.....

I had been trying to get a hold of my Rep for almost 2 weeks to cancel my contract, since I found a LOWER payment with another Debt relief agency - www.ooraa.org, with a payment of almost $200 per month LESS THAN what Freedom Debt Relief could give me. The rep Ms. Terra Ray, has her Voice Mail deliberately full, so that no one can leave a message, and she doesn't want or need to service her customers. Ms. Terra Only responded after I contacted her assistant, Ms. Ciara Gobel, and neither of them were of much use, even after they told me that my account will be cancelled, and there will be no withdrawals. I had to call their Customer Service Dept. the next day, since I didn't get any confirmation from either of them via email about my account cancellation. I called back on Friday 12/16/16, since they had withdrawn $494.00 from my bank account, and a Rep by the name of Nick picked up the phone, and told me a lie that they didn't have a Customer Service Dept., and hung up the phone on me. I looked at my emails from Ms. Terra, and fortunately, she had provided the Customer Service phone number in that email, so I called them, and got everything cancelled - overall a very BAD Experience in getting things accomplished and DONE with these people. Here's where the problem lies - Freedom Debt Relief knows that people and/or consumers who are in trouble with debt, need and want Solutions NOW, so Most Likely they're not going to be shopping around. So even though they're providing a good service, it's IMPORTANT to Note that their prices are going to be Generally HIGHER, and their service almost Non-existent. All that does is more commissions for the Sales Reps and more profits in the pockets of the owners or stockholders - which wouldn't be Bad, IF there was great service to go along with. This Corporation is a classic case of Hit-n-Run, which is giving Corporate America a bad name. It's NO WONDER that most Big Companies are going overseas to set up customer service Depts., so as to provide better service to US customers, and decrease costs....

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Complaints and Resolutions

Complaint Experience

N/A

Complaint Resolution Index (CRI)

BCA's Summary and Analysis:

Of the complaints we have received against this company, in at least some cases, the complaint allegations are very serious.

Complainants allege failure to negotiate settlements of provide debt relief services, misrepresentation of services, difficulty obtaining refunds and failure to improve consumers credit.

Our complaint services are free and our team of expert mediators will assist in resolving complaints with businesses.

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Complaint Closing Statistics

0 complaints against Freedom Debt Relief, LLC closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

Other Information

Company Info

This company's business is providing debt relief and reduction services.

Primary Contact:	Andrew Housser (Co-Founder & Co-CEO)
Business Started:	3/10/2003
Social:

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Licensing

California law requires bill paying services, and pro-raters accepting money from clients to be disbursed to creditors on behalf of the debtor, to be licensed by the California Department of Business Oversight and file a $25,000 bond.

To verify licensing, contact the California Department of Business Oversight (DBO) by writing to 1515 K Street, Suite 200 Sacramento, CA 95814-4052, by calling (916) 445-7205, (866) 275-2677 or (866) ASK CORP. Prorater licenses can be verified on-line, by accessing the DBO website at http://www.dbo.ca.gov.

For businesses outside of California, please check with the agency that regulates this industry.

Government Actions

BCA has no information regarding government actions at this time.

Comments and Analysis

Our experience with debt negotiating companies is that they attract customers with large credit card debt by claiming to be able to settle those debts for a fraction of their face value. They often claim that their services are more effective than those provided by credit counseling services and that they are a superior alternative to bankruptcy.

Complaints on these type of companies allege that creditors continue to harass clients, fees and interest continue to accumulate, and the creditors are not contacted. Usually, creditors turn the claims over to collection agencies, file suit and pursue collection of the money owed to them. Debts are seldom settled, customer's credit is ruined, and many people are sued forcing them to seek bankruptcy protection. Typically, it is difficult to obtain refunds.

These companies usually instruct their clients to stop paying their creditors. Some companies direct clients to make their payments to the debt negotiation company instead. They promise that when sufficient cash has been accumulated to offer a settlement to a creditor, they will do so. They go on to say that their program may take two or three years to complete. Most companies collect their fees upfront and generally the fees are based on some percentage of the promised savings.

Other companies simply collect their fee and advise debtors to save their money to pay their creditors themselves. California law limits the amount of fees debt negotiators can charge, but by not collecting the money and distributing it to your creditors, companies can remove themselves from the limiting statutes and charge whatever they wish. What they are supposed to do for you while you’re saving up your money is to contact your creditors and inform them that they’re working with you, negotiate the amount to settle your debt, and ask them stop contacting you. Debtors may not realize that if their creditors do accept a negotiated settlement, the amount forgiven constitutes taxable income.

For businesses outside of California, please check with the agency that regulates this industry.

Other Considerations

We know of no other matter or practice relating to this company that may assist you in your consideration of this company.

Industry Resources

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Additional Info

DBAs:

Freedom Tax Relief

Freedom Financial Network, LLC

Websites: