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Freedom Debt Relief, LLC

  935 inquiries |
Debt Relief Services - non-compliant with FTC Rule

1875 South Grant, Suite 400
San Mateo, CA 94402
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(800) 544-7211


Company Rating


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Customer Reviews

based on 1 review.

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Complaint Experience


Complaint Resolution Index (CRI)

12 complaints closed in last 3 years.

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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

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 -, 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 I called back on Friday 12/16/16, since they had withdrawn $494.00 from my bank account, and a Rep by the name of Nick picked up the phone, and told me a lie that they didn't have a Customer Service Dept., and hung up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

Total Amount in Dispute:

Total Amount Settled:

Complaint Experience


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.

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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

12 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
1 Agreed to make an adjustment
0 Refusing to make an adjustment
0 Refuse to adjust, relying on terms of agreement
11 Unanswered

View summaries of the complaint descriptions and responses.

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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

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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

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

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Government Actions

Agency: Consumer Financial Protection Bureau

On November 8, 2017, the Consumer Financial Protection Bureau (CFPB) filed a complaint in the US District Court Northern District of California against Freedom Debt Relief, LLC (Freedom) and its co-CEO Andrew Housser for deceiving consumers regarding their debt settlement services. The complaint alleges Freedom mislead consumers about its fees and ability to settle debts as promised, and violated laws including the Telemarketing Sales Rule and the Consumer Protection Act. The CFPB seeks restitution for harmed consumers, civil penalties, and an injunction against Freedom and Housser to halt their unlawful conduct.

Freedom, the largest debt-settlement services provider in the nation, is accused of charging consumers without settling their debts as promised, makes customers negotiate their own settlements, misleads them about its fees and the reach of its services, and fails to inform them of their rights to funds they deposited with the company.

Full details of the complaint can be found on the CFPB website here.

Date of Action: 11/8/2017

Agency: Consumer Financial Protection Bureau

On July 9, 2019, an agreement between The Consumer Financial Protection Bureau (CFPB), Freedom Debt Relief, LLC, and its co-CEO Andrew Housser was entered. Under the Stipulated Final Judgment and Order, Freedom Debt Relief and Housser areee to pay $20 million in restitution to affected consumers and a $5 million civil penalties to settle a complaint filed by the CFPB alleging misconduct and violations of the law.

On June 1, 2018, the CFPB filed an amended Complaint and demand for relief against Freedom Debt Relief and Housser alleging the company charged advance fees for debt settlement services, misled consumers about their rights to funds they deposited for services, fees for debt settlement services, and their ability to negotiate with all creditors.

The judgment prohibits Freedom Debt Relief, LLC from engaging in this conduct in the future. Full details of the amended complaint and stipulated final judgment are available on the CFPB website.

Date of Action: 7/9/2019

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.

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Bradford Stroh (Co-Founder & Co-CEO)
Frank Garcia
Jeffery Staley (Managing Member)
Ken Wandstrat (VP)
Beth Stroh (Co-CEO)

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