BUT XXXX explained this is so they have negotiation power. We were also led to believe all payments made would directly pay off out debt once settled and there was NO mention of 'settlement fees ' that this money would first cover. These settlement fees were approx $ XXXX. EACH. This was NEVER Explained. NOR was it ever explained that any debt write off or the amount decreased would be TAXED with the yearly income tax. It is considered income and we MUST pay taxes on it as we are now discovering. We were never told we had to have a certain percentage of money in our ' freedom debt relief account ' before they would start negotiating. I have called several times in attempts to understand these fees

What the CFPB Record Shows About BUT XXXX explained this is so they have negotiation power. We were also led to believe all payments made would directly pay off out debt once settled and there was NO mention of 'settlement fees ' that this money would first cover. These settlement fees were approx $ XXXX. EACH. This was NEVER Explained. NOR was it ever explained that any debt write off or the amount decreased would be TAXED with the yearly income tax. It is considered income and we MUST pay taxes on it as we are now discovering. We were never told we had to have a certain percentage of money in our ' freedom debt relief account ' before they would start negotiating. I have called several times in attempts to understand these fees

BUT XXXX explained this is so they have negotiation power. We were also led to believe all payments made would directly pay off out debt once settled and there was NO mention of 'settlement fees ' that this money would first cover. These settlement fees were approx $ XXXX. EACH. This was NEVER Explained. NOR was it ever explained that any debt write off or the amount decreased would be TAXED with the yearly income tax. It is considered income and we MUST pay taxes on it as we are now discovering. We were never told we had to have a certain percentage of money in our ' freedom debt relief account ' before they would start negotiating. I have called several times in attempts to understand these fees has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to XX/X, and the most recent logged activity is XX/XX/XXXX, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, BUT XXXX explained this is so they have negotiation power. We were also led to believe all payments made would directly pay off out debt once settled and there was NO mention of 'settlement fees ' that this money would first cover. These settlement fees were approx $ XXXX. EACH. This was NEVER Explained. NOR was it ever explained that any debt write off or the amount decreased would be TAXED with the yearly income tax. It is considered income and we MUST pay taxes on it as we are now discovering. We were never told we had to have a certain percentage of money in our ' freedom debt relief account ' before they would start negotiating. I have called several times in attempts to understand these fees reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "3 ) Credit counseling", and the single most common underlying issue is "provides one monthly payment".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating BUT XXXX explained this is so they have negotiation power. We were also led to believe all payments made would directly pay off out debt once settled and there was NO mention of 'settlement fees ' that this money would first cover. These settlement fees were approx $ XXXX. EACH. This was NEVER Explained. NOR was it ever explained that any debt write off or the amount decreased would be TAXED with the yearly income tax. It is considered income and we MUST pay taxes on it as we are now discovering. We were never told we had to have a certain percentage of money in our ' freedom debt relief account ' before they would start negotiating. I have called several times in attempts to understand these fees: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.