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Freedom Financial Network: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 57
- Closed with money back
- 4
- 2023 to 2025
- 14 to 25
Freedom Financial Network received 537 complaints from everyone in the window; 57 carried the servicemember tag. The complaints are mostly about debt or credit management, and the single most common issue is "Incorrect information on your report". 4 of the 57 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 14 in 2023 to 25 in 2025.
What the complaints are about
By product
| Debt or credit management | 18 |
| Credit reporting or other personal consumer reports | 15 |
| Debt collection | 10 |
| Payday loan, title loan, personal loan, or advance loan | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
By issue
| Incorrect information on your report | 16 |
| Confusing or misleading advertising or marketing | 5 |
| Didn't provide services promised | 5 |
| Attempts to collect debt not owed | 4 |
| Unauthorized withdrawals or charges | 4 |
| 2023: 14 | 2024: 18 | 2025: 25 |
Which accounts, specifically
| Debt settlement | 29 |
| Credit reporting | 16 |
| Installment loan | 6 |
| Other debt | 5 |
| I do not know | 4 |
What went wrong, specifically
| Information belongs to someone else | 9 |
| Old information reappears or never goes away | 3 |
| Debt was result of identity theft | 3 |
| Debt is not yours | 2 |
| Account status incorrect | 2 |
Busiest month: March 2025, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from TX (8), FL (6), CA (5) , then NC, AL, AZ.
How Freedom Financial Network answered
| Closed with explanation | 53 |
| Closed with monetary relief | 4 |
Freedom Financial Network responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Payday loan, title loan, personal loan, or advance loan; Struggling to pay your loan. AL, 2024-08-21. Outcome: Closed with explanation. Complaint 9875868
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Debt or credit management; Confusing or misleading advertising or marketing. AZ, 2024-08-11. Outcome: Closed with explanation. Complaint 9776000
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Debt or credit management; Didn't provide services promised. TX, 2024-08-01. Outcome: Closed with monetary relief. Complaint 9685726
If this is your problem at Freedom Financial Network
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with other products peers
- Erc 57 servicemember complaints; 0 with money back
- Alliant Credit Union 58 servicemember complaints; 2 with money back
- AmeriCollect 56 servicemember complaints; 0 with money back
- Aqua Finance 56 servicemember complaints; 6 with money back
- LendingPoint 56 servicemember complaints; 4 with money back
Frequently asked questions
How many complaints did servicemembers file against Freedom Financial Network?
57 complaints tagged servicemember were received by the CFPB about FREEDOM FINANCIAL NETWORK between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 14 in 2023 to 25 in 2025.
What do servicemembers complain about most at Freedom Financial Network?
Debt or credit management accounts for 18 of the 57 complaints, and the most common issue is "Incorrect information on your report" (16). Next: "Confusing or misleading advertising or marketing" (5).
Does Freedom Financial Network give money back when a servicemember complains?
4 of the 57 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 53 closed with an explanation only. Freedom Financial Network answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.