Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently opened an account to resolve my student loans with them in March of 2025 and i thought nothing of it because i wouldhave trouble with my loans right well this is the kicker. They told me within 30 days my first payment made for ****** for the beginning of the 6 months til Sep 22 would show up in the creditors and my loan repayment yet when i checked today no such payments were credited. My loan advisor thru them was kind and helpful but this is extremely deceitful. I live paycheck to paycheck every month and thought this was beneficial then found lord knows how many others have been decvieved. I want my money to be refunded and my contract with them terminated so that i may pay it directly to my loans myself because telling me oh it'll show then it never shows is highly decietful and leaves a horrible taste in my mouth. I've never felt so lied to in my life that i feel bad for myself and lord knows how many others tryign to pay off student loans. didn't help that this month i got a call from Aidvantage that i would have to pay them 272 a month on student loans and i got told to "just ignore it". If my repayments are supposed to be lower thru them why is it **** near the same amount for as if i'm still paying off this 26k USD in full without their help?

  Business Response

  Date: 04/22/2025

  This email is in response to a complaint that was submitted on 04/21/2025 on behalf of our client ********** ******* Mr. ****** signed the ******************** Agreement on 07/21/2025 to work on his behalf to consolidate and put his loans into in Income Driven Repayment Plan that would be the most beneficial for his needs. Freedom Loan Resolution received an email on 04/21/2025 stating that he felt he had been deceived and we were not honest with him. When this was brought to our attention, we immediately reached out to our client Mr. ******* The ************* Team called and spoke to client on 04/21/2025. We went over his concerns and questions. We went over the cancellation and refund process. We had let our client know he would be receiving a final cancellation email and text confirming the cancellation and refund. Mr. ****** requested that his refund be issued using his ZELLE account which we agreed to using his phone number on file. A final cancellation email and text were sent on 04/21/2025 to confirm our conversation . At Freedom Loan Resolution, we always want our customers to feel they have been heard. Doing this each time only ensures our future clients will have a positive experience. Mr. ******** file was successfully and amiably closed.

• Initial Complaint

  Date:04/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I feel like I am being scammed by this company because I read the reviews and they are all saying the same thing about how they paid 250 for 6 months then 50$ for the rest of the payment but they are all saying that after the 6 months the money isnt actually going to there student load. They took 250$ from my account on 4/3/2025 and I no longer want to do business with them.

  Business Response

  Date: 04/10/2025

  This email is in response to a complaint the was submitted on 04/07/2025 on behalf of our client ****** *****. Mr. ***** signed the ******************** Agreement on 02/26/2025 to work on his behalf to consolidate and put his loans into an Income Driven Repayment Plan that would be the most beneficial for his needs. Freedom Loan received an email on 04/08/2025 stating the Mr. ***** believed our company was fraudulent and had scammed him. When this was brought to our attention, we immediately reached out to our client. The ************* Team called and spoke to client on 04/08/2025 and went over the work that was completed on his behalf. During our discussion we went over our cancellation and refund process. W let him know he would be receiving a final cancellation email and text letting him know his loan would be cancelled and closed with a full refund. Our client requested that his refund be issued using his ZELLE account which we agreed to using his phone number on file. A final cancellation email and text were sent on 04/08/2025 to confirm our conversation. At Freedom Loan Resolution, we always want our customers to feel they have been heard. Doing this each time only ensures our future clients will have a positive experience. ****** ***** was very satisfied with the results and file was successfully and amiably closed.

• Initial Complaint

  Date:02/21/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received 3 suspicious emails from ****** with a number that is not for their customer service stating they detected an unauthorized transaction from ********* This email was sent to an account that is an older email and not the one that I use for ******. I would like to make clear that thankfully my current bank is not attached to that, so nothing was withdrawn from me without my consent.I then received a text from this loan company claiming my monthly payment had been refunded and to contact them immediately. I already have a debt consolidation National Debt Relief and they have been wonderful to work with and very helpful to **** have attached screenshots of both the email and text that I received very early yesterday morning. I have NEVER spoken with this company regarding a debt consolidation, and certainly did not authorize them to try to withdraw nearly 600 dollars.I am filing this complaint because I want the BBB to put a stop to this company immediately. I do not want any contact from this SUPPOSED loan company. If they tried this with me they are likely doing this people without their knowledge and consent. This company is trying to fraudulently take money from people under the pretense that they have an existing account and I most certainly do not!Please address with this fraudulent business immediately. Once again the resolution I am requesting is to never be contacted by them again, and also to ensure that they do not take money from anyone without the persons authorization as they attempted to do to me.Thank you!

  Business Response

  Date: 03/03/2025

  This is in response to a complaint the was submitted to your division on 02/25/2025 on behalf of our client ***** ******. Mr. ****** signed the ******************** Agreement on 10/16/2020 to work on his behalf to consolidate and put his loans into an Income Driven Repayment Plan that would be the most beneficial for his needs. Mr. ****** authorized Freedom Loan Resolution in writing to charge his bank account for the work that was to be completed on his behalf. There was never a transaction between our banking institution. The correct and authorized banking entities are on file and signed by client. Freedom Loan Resolution has never used ****** or ******** as a payment source. I have reached out to our client several times by email & phone to discuss this matter and there has been no response or communication. We believe the client has been reached out to and/or hacked by another entity and confusing them with us. We have all supporting document signed by client and recorded to support our integrity and agreement. Nevertheless, we have moved forward with a cancellation email and text to ensure our client's file has been cancelled and closed.  We hope this resolves the issue and in taking this action our client feels that he has been heard. Doing this each and every time only ensures our future client will have a positive experience.

  Customer Answer

  Date: 03/03/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***** ******
  
   
  

• Initial Complaint

  Date:01/18/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company reached out to me regarding my student loan in May 2022. The company shared I was eligible for a forgiveness regarding my loan due to my monthly income. They stated I would pay $39 a month to manage my account and in five years the remainder of my student loan would be written off. Since then I have been paying the $39 each month with no one contacting me to update my information (which is what I was paying for). In the beginning I was told to make five payments of $239. I made those from May 2022 to September 2022. I am afraid of being scammed out of this money with none going towards my student loan.

  Business Response

  Date: 01/23/2025

  This response is in regards to a complaint that Freedom Loan Received on 01/21/2025 on behalf of ******* **********. She claimed she felt she may have been scammed and did not know what was going on with her Federal Student Loans. As soon as we were made aware a problem, we reached out to our client that day. By the end of the business day there were phone calls made and messages left. Also emails and text were sent. The next day 01/22/2025 our Customer Support Staff reached out again by phone. Our client called back and we discussed all her concerns and I answered all her questions. Our client was unaware of all the changes that have been going on with the Department of Education and the court proceedings. We discussed everything in detail regarding the work that had be completed on her behalf on her file and the status of her loans. Freedom Loan Resolution has agreed to cancel the next 6 months of payments. Our client has chosen to stay with us moving forward, thanked us for explaining everything to her, and said she now understands the process. An email was sent after our discussion to further verify that what we talked about was true and accurate. Our mission as always is for all for our clients to feel they have had a great experience and to know that they have been heard. Doing this each and every time only ensures our operations for our company's future will be a positive experience for each of our clients. Communication is key. Client is satisfied and back on board. Thank you.

• Initial Complaint

  Date:07/09/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I miss understand what was explained to me and i would like some type of refund. I no longer want to do business with you people

  Business Response

  Date: 07/30/2024

  This email is in response to a complaint that was submitted on 07/24/2024 on behalf of our client ***************************. *************************** signed the Federal Loan Resolution Agreement on 02/07/2024 to work on her behalf and consolidate her loans. When we were made aware that or client did not understand the entire process, we reached out to our client immediately. We attempted to reach her by phone, email, and text beginning 07/24/2024.
  When we reached out on 07/26/2024 we were able to speak to her. We discussed the work that was completed on her behalf, and she understood the process and feels everything we did was fair, and services were rendered. At that time, we discussed the cancellation and refund policy & process. **************** told us what she believed was a fair refund amount. That check was issued and mailed out the same day. We sent emails and texts to our client to keep her informed as we were moving forward with the cancellation and refund policy. Our mission as always is for all of our clients to feel they have had a great experience and to know that they have been heard. Doing this each and every time only insures our operations for our clients in the future will be is a positive experience.

  Customer Answer

  Date: 07/30/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***************************
  
   
  

• Initial Complaint

  Date:05/22/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I reached out to this company to help me with my student loans. I was told all the payments that I make would go towards my student loans. If I made 120 payments that my total student loan debt will be fully forgiven. I made 3 payments of $179 back in October 21, 2021 and from January 2021- now (May 22, 2024) $39 payments. Which makes a total of $2136 that Ive spent. I checked with my loan servicer and there are no payments that have been applied to my account. I want all the money that Ive paid applied to my account and/or refund to me so I can apply it to my account myself. I have called to get in contact with someone to see what is going on with no response. Im very sad and disappointed if all this money I have spent has not been going towards my loans like they said it would.

  Business Response

  Date: 06/04/2024

  To Whom It May ******** We received notification on 05/30/2024 that our client, *****************************, had lodged a complaint with the BBB regarding her service with FreedomLRS. We immediately reached out to address our client's concerns.  We answered her questions and we went over her program in explicit detail. After explaining everything to our client, she thanked us for addressing her concerns and will continue services with FreedomLRS.  This was a simple case of misunderstanding on how the process and our services work. Client now fully understands and requests to continue with our services. We will continue to recertify her program each year and maximize the forgiveness she receives.  **************** is our highest priority and we appreciate all customer feedback to help us meet our mission of providing the best experience with our services. Thank you. 

• Initial Complaint

  Date:05/10/2024

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In 2019, Freedom Loan Resolutions called and told me their program could forgive my student loan debt. After much discussion and questioning the integrity of the operation, I agreed to enter the program in December 2019. The first four payments were $259, and the remaining were $39, for a total of $3206. Recently, I received an email from the U.S. ********** of ********* stating that I was eligible for student loan forgiveness based on Borrower Defense Evidence. My communication with their representative informed me that Freedom Loan Resolutions was not a legitimate organization and my payments should have been applied to my loan, which they have not. I want my contract canceled and payments applied to my student loan.

  Business Response

  Date: 05/24/2024

  This is in response to the complaint that was submitted to the BBB on 05/13/2024 on behalf of our client ***********************. Client signed the Service Agreement on 12/10/2019 to have us work on her behalf. This authorizes Freedom Loans to work on her behalf to consolidate and place our client into the programs that are the most beneficial. On the day we received her complaint 05/13/2024 I reached out to her and left a message. On 05/14/2024 I reach out again followed by a text. On 05/15/2024 I reached out again followed by an email. *********************** responded on 05/15/2024 by email at that time we set up a phone appointment. We discussed the cancellation, refund & the forgiveness of her loans. During our conversation we went over the consolidation and the yearly recertification that have been done on her loans by Freedom Loan Resolution through the ************************ Based on the fact that her loans were forgiven, and she will no longer need to do her recertifications we discussed and agreed on a refund amount. ***** agreed to the amount that was offered and said she was very happy with our work and thanked me. I sent her an email the same day verifying everything that was agreed upon. Our mission as always is for all our clients to not only have a great experience but to know they have been heard. Doing this only improves our operations for the future of our company.

• Initial Complaint

  Date:03/15/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  FreedomLRS miss represented there services and come to find out its a scam they garrunted a full refund if I canceled now they are saying they cant

  Business Response

  Date: 03/21/2024

  This is in response to the complaint that was submitted to the BBB on 03/19/2024on behalf of our client *************************************. Client signed the Federal ******************** Agreement to have us work on his behalf. By signing the agreement, it authorizes Freedom Loan Resolution to work on his behalf to put our client into the most beneficial program that is offered by the ************************ Beginning 02/12/2024 we began making several attempts to call and talk to client. Our Client response was, "Please don't cancel file", and would give us yet another date when he could talk to us. His payments were paused on 02/14/2024 based on the fact that we were unable to talk to our client. During this time all work was completed on his file and SERVICES SUCCESSFULLY RENDERED. A detailed email was sent on 03/15/2024 to ************************************* letting him know what was completed on his file and also our Cancellation Policy. When we received notice of the complaint that was filed, we reached out to our client by phone and left a message and sent a final cancellation & full refund email & text. Freedom Loan Resolutions' first priority is our customers. We completed the work for ******* with that being said he is getting a full refund. We do our best to make our clients happy and approve our operations for the future of our company. 

  Customer Answer

  Date: 03/22/2024

  they have yet to provide me the refund in fact when I originally conference their customer service tech with both navient and them I was advised it was a scam they should be able to process my refund with the card I got on file with them 

  Business Response

  Date: 03/25/2024

  Client was REFUNDED as requested and ALL SERVICES RENDERED. Case closed. Refund check #****.

• Initial Complaint

  Date:03/13/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was emailed by this account named ************************* and it had this long paragraph saying how I might be eligible for a freedom forgiveness loan or something along those lines. Then there was a number I called it and a man name ****** picked up and told me that I might be eligible to get my student loans reduced so I went along. He then asked me a series of questions like my name, birthday, address, debit card, and so on. Then he was telling me how he could get my student loans cut in half and start a payment with them for no interest I went along with it all. He then had me sign some type of contract I didnt think anything of it. So I went along after all is said and done and I was off the phone. About 1hr later I had a feeling I was getting scammed so I tried over and over again to end the contract it says I have fives days it hasnt even been 48 hrs and I think he is avoiding me on purpose I just though I would bring this to your attention because I am seeking assistance on what to do with this so called contract and to let others know not to trust FreedomLRS.

  Business Response

  Date: 03/19/2024

  To whom it may concern,
  This letter is being sent in response to a complaint that was submitted on 03/13/2024 on behalf of our client ***********************************. *********************************** contacted us on 03/13/2024 asking us to cancel his file. Freedom Loans attempted to contact him by phone on that same day. We could not leave a message. An email was sent on 03/13/2024@ 12:32PM letting him know we received his request to cancel. We reached out again on 03/15/2024 by phone and still could not leave a message a second email was then sent. I finally spoke to him on that same day to let him know that we would be sending him a detailed email. That final cancellation email was sent to our client that same day. This program is not for everyone as it requires trust and commitment in which did not take place in with this borrower. A track record clearly shows the thousands of positive results accomplished for those that committed and trusted our process. Freedom Loan Resolution mission is to make sure our clients requests are heard and taken care of in a timely matter. We want to provide the best customer service needs and approve our operations for the future. 

• Initial Complaint

  Date:12/22/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been paying $39.00 a month from 3/20 to 12/23 which has totaled $1,755.00 with zero deduction from my daughter's (************) student loan at all - case file *********. When they marketed to me to assist with loan reduction payments, I was informed that these deductions would occur monthly and help me "chip away" at the college loans. I have attempted contact several times via phone over time and never receive a return response. When I call, the phone number, it's "busy" and have tried repeatedly to find out why the loans are not being reduced at all. Literally, none of my money has one time reduced the loan as I was promised when they first signed up this account. This feels like a complete scam and I cannot imagine it's okay what they are doing to me (and possibly others?). I am hoping to cancel this account because I've been paying money for almost 4 years with zero loan reduction assistance. I would like them to cancel my account immediately and refund the money that has been taken from me. I could certainly take that money and immediately apply it to the loan on file through HHS Loans where the accounts sit. Just completely flabbergasted that the money has been taken, and I was informed this money would be immediately applied to the loans. Can't imagine running a business this way and hurting consumers like this.

  Business Response

  Date: 01/03/2024

  We received notification that our client's mother *************************** had submitted a complaint stating that she has reached out to us several times via phone and never received a return response. She also was under the understanding that her payments were to be paying down her daughter's loans monthly. When we were made aware that there was a problem, we began trying to contact her to by phone. We also were trying to get ahold of ************. We sent an email letting her know we were trying to reach out. We received an email response letting us know our clients were out of town and set an appointment to discuss and resolve file. During our conversation we discussed the process of her file and any other concerns our client has. As always, an amiable resolution would be the result. Our mission here at Freedom Loans is for all our clients to have a great experience. We always do our best to make our client happy and improve our operations for future clients.