ComplaintsforAchieve

• Initial Complaint

  09/20/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  This is a personal loan company, I just paid off my balance and called and asked to have my banking information removed since I owe nothing and it should not be in their system anymore. I was told that this is not possible. I asked what if you guys are hacked and my information is compromised because of this. ******* was the manager I spoke with on 9/20/24 and she said that my banking information has to stay in there system forever and cannot be removed. I said ok I am filing a BBB complaint, she said go ahead.

  

  Business response

  10/08/2024

  Thank you for the opportunity to respond to ****** Bettgers BBB complaint. Review shows that Mr. ******* requests that the banking information not reflect when he reviews his online dashboard account.  As requested, this is being completed as requested. The banking information should be removed within three business days.  Mr. ******* was asked if additional privacy actions wanted to be taken including opting out of sharing information. Mr. ******* declined at the time but is more than welcome to change this request by sending a request to ******************************************;
  We encourage Mr. ******* to contact Achieve with any further concerns.

  Customer response

  10/10/2024

  
  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. This outcome would not have occurred unless I contacted the BBB, so thank you for helping me get this resolved. 
  
  Regards,
  
  **** *******
  
   
  

• Initial Complaint

  08/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My loan through Achieve Loans, serviced by Shellpoint, was paid off around August 5, 2024. However, two days after this date, a payment was debited from my checking account, with another scheduled for today, 08/22/2024. This impending payment has added urgency to my situation. Following the first debit, I contacted Achieve Loans and requested a return of my payment. I was assured that the repayment would be made by August 22, 2024. However, I then received three letters, each citing the complexity of the matter and requesting more time. To my dismay, I was notified that another payment would be debited from my checking account despite the loan balance being 0. I called Achieve Loans, serviced by Shellpoint a second time. I was told I had to close the account by submitting a letter through the Achieve Loan Portal, which remained inaccessible despite my efforts and the customer service representative's efforts. I was given a fax number to fax the letter. I was further informed that after the letter was received, the repayment would take four weeks from the receipt of my letter.

  

  Business response

  09/05/2024

  Thank you for the opportunity to respond to Ms. ******* BBB complaint. Review shows ****************** account was set up on recurring monthly payments. A recurring payment was made on August 7, 2024. On August 13, 2024, the payoff check was received and held for ten days for clearing purposes and on August 22, 2024, the payment was posted to the account. The account officially closed on August 27, 2024, leaving a balance due **************** of $903.41. This balance will be returned to *************** within 15 days of the loan closing date.
  We do encourage **************** to contact Achieve Loans directly with additional concerns.

• Initial Complaint

  08/22/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Oct 2021 Achieve personal loans allowed someone portraying as me to open an online unsecured loan in the amount of *********... I have advised them that I did not open such account and I have been a victim of Identity theft and provided them with the identity theft report and they have failed to remove this information from my credit bureaus. This is a violation of my consumer rights. I am demanding that this information be removed from my accounts as the ********************** has failed to provide me with any documents concerning this information as well as the address that they have for this account I NEVER even lived at. I am demanding this information be removed or else I plan to sue in federal court!

  

  Business response

  08/23/2024

  Thank you for the opportunity to respond to *************************** BBB complaint. Review of the account shows the member agreed to and signed a Freedom Plus loan contract on October 8, 2021. In December of 2022, all active members were notified through mail and email that the name of our company changed from Freedom Plus to Achieve.
  A review for possible fraud was completed on August *******, but the loan was not found to be opened fraudulently.  A copy of the loan agreement has been sent to the address provided to the BBB which matches the address provided to Achieve (Freedom Plus). 
  We do encourage ************** to contact Achieve Personal Loans with additional questions or concerns.

  Customer response

  08/23/2024

  If all members were notified through mail and email then it makes even more sense why I never received anything because the company had my incorrect email address, home address and telephone number per ****** at achieve at phone number **************, her email address is ***********************************. She had me send all of my documents to her and she also advised me that you all have correspondence from me dated back to 2023 and 2022 where I am telling you that I dont have any business with you all. She said that she shows were I disputed it originally and for some reason you all never sent the paperwork to me. She also advised me that there were attempts to contact the co borrower and the borrower on multiple occasions but were never successful! You all have my correct address because I gave it to your company to update it in your system! Remove this from my report, IT IS NOT MINE, I do not even know the other person on the application and I cant believe that you all let someone do all of this ONLINE!!! am at ******** with this situation. After this final attempt to allow you all to resolve this matter that BY LAW YOU are required to do & have failed to do, expect to receive documents from my attorneys where I am naming ACHIEVE & ALL 3 credit bureaus as defendants in a lawsuit for violating my rights under the fair credit reporting act. I will not make light of this situation and will get the justice that I deserve. If your company had actually cared to investigate this. You would find that its not my account! This is sad 

  

  Business response

  08/27/2024

  Review of the account shows the address on file, also matches what was on the application and what was provided to the BBB. The phone number on file also matches what was recently used to contact Achieve and is listed on the loan application and was the number used to try and contact the member while the loan was past due. A fraud review concluded the creditors that were paid match what is on the members credit report. All disputes have been responded to and have advised that all reporting is accurate. There are no requests on file for any documents to be sent to the member until the BBB was received and at that time a copy of the loan agreement was mailed as requested. We encourage ************** to reach out to Achieve member services with any further questions.

• Initial Complaint

  07/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I made a HEILOC loan with Lendage LLC in March 2022 and now they are Achieve serviced by Shellpoint. My payment was always the same $369.61 and now that I get a letter it will be $481 when my paperwork states I have a fixed APR and my payment wouldnt change the duration of the loan. I have called several times and no one there seems to have a number of that loan department. Just that I can request a call back and someone should contact me with 3 business days and no one has returned my call.

  

  Business response

  08/01/2024

  Thank you for the opportunity to respond to Ms. ***** BBB complaint. Review shows that the loan servicing company handling Achieve Loans recently changed.  The new company, Shellpoint, used a different method to calculate monthly interest reflecting on monthly statements. This issue was recently addressed and resolved. We do encourage ************ to contact Achieve Loans with additional questions or concerns. 

• Initial Complaint

  07/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I opened a HELOC loan with Achieve for $60,000 with payments over 25 years. According to them, they did not start accruing interest on the loan until recently. My payment has now increased $200 a month for the next 25 years. That makes $60,000 in extra payments alone. They did it without notification and don't seem to care that the lack of accrued interest was an error on their end.

  

  Business response

  08/01/2024

  Thank you for the opportunity to respond to Ms. ****** BBB complaint. Review shows that the loan servicing company handling Achieve Loans recently changed. The new company, Shellpoint, used a different method to calculate monthly interest reflected on monthly statements. This issue was recently addressed and resolved.  We do encourage ************** to contact Achieve Loans with additional questions or concerns. 

  Customer response

  08/06/2024

  
  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

  07/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We settled our plan issuing a final payment in September of 2023.-I received a completion packet from Achieve confirming the pay off via email September 2023. After repeated calls to inquire on the account being closed, we were told the payment was kicked back because Achieve paid this money on another persons account not ours. That they had to refund before reprocessing.This was in March of 2024.Since March of 2024 we have made multiple calls and been told that the account was in process of being settled finally getting a call 2 months ago saying issue was resolved, and a completion packet again via email 2 weeks ago. As of today this account is still showing to be outstanding on our credit reports, when calling the payment center as if 07-22-2025 they advise we are delinquent on our payment and our account has not been settled.

  

  Business response

  07/31/2024

  Thank you for the opportunity to respond to *********************** BBB complaint. On July 29, 2024 Achieve contacted the member regarding their concern and has reached a resolution. We encourage the member to reach out to Achieve with additional questions.

• Initial Complaint

  07/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  June 28, 2024 date of letter I received today July 4, 2024: I did not file documents to get approved for a loan through this company; I had a credit freeze and fraud alert through all the credit reporting agencies; when I called Experian today there was no fraud alert on all my accounts, I placed a freeze and fraud on my accounts again. The 'reasons application denied is inaccurate; I do not have "housing payments to income; is to high". this is identity fraud under my name and address. I do not know where Achieve Personal Loans got their information in my name and address, it is false information. I am filing a police report next week about this identity fraud.

  

  Business response

  07/18/2024

  Thank you for the opportunity to respond to ******************* BBB complaint. On June 5, 2024, ************************* contacted Achieve Resolution requesting assistance in settling her creditor debt. With Ms. ******** authorization, Achieve Resolution did a soft pull of credit which has no impact on the consumer's credit score. ****************** had authorized the application to be reviewed for a product that would benefit her. Achieve Resolution was not able to assist ****************** so Achieve Personal Loans, a division of Achieve, reviewed the application to see if the member would qualify for a personal loan. Based on the information provided in the application a loan could not be provided so ****************** was sent a letter explaining the denial reasons. There is no indication that the information was provided fraudulently. Per Ms. ******** request, the information in the application will not be shared. We do encourage ************************* to contact Achieve with additional questions or concerns.

• Initial Complaint

  05/31/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Contacted Achieve on 5/14 to see if I could skip a payment. Was told they could refinance my loan at a lower rate and not have a payment until 6/28. On 5/17 they took out my old payment. Contacted them on 5/20 about issue. On 5/21 was told I should receive payment by end of week. As of today, 5/30, still havent received the refund back.

  

  Business response

  06/04/2024

  Thank you for the opportunity to respond to *************************; BBB complaint. Upon completion of this review the members obligated payment processed on May 16, 2024 and on May 24, ***************************************************** an overpayment of the loan.The amount refunded processed within the standard payoff refund timeframe of 7-10 business days. Our records indicate Ms. ******** refund completed May 30,2024 and may take additional time for the members financial institution to release. We encourage ************************* to reach out to member services for any additional concerns.

  Customer response

  06/04/2024

  
  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

  05/28/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  5/28/24 Transferred to Achieve via Simple Path for processing a debt consolidation loan. Statements were made that indicated Achieve had returned loan terms/rates to Simple Path prior to transferring me, and that I was being transferred in order to finalize the loan. Instead, I was presented with the process from scratch, and despite being told a soft pull was being done, a hard pull on my credit was done, resulting in a declaration that there were no offerings for me. It is very misleading that Achieve reportedly returned rates and terms to Simple Path, which led for me to be transferred in the first place, only to have my credit run a second time to be told that there were no offerings after some had been provided to Simple Path in regard to my initial inquiry. Given I was told a soft pull would be performed, I would prefer to have the hard pull actually performed removed from my report.

  

  Business response

  05/30/2024

  Thank you for the opportunity to respond to ********************** BBB complaint.  Achieve works with certain marketing partners to connect potential borrowers with the opportunity to apply for an Achieve loan. Consumers shopping for loans will contact the marketing partner (e.g. Simple Path), provide limited information about themselves, and agree to permit that partner to conduct a 'soft pull' of the consumer's credit (which has no impact on the consumer's credit score). On May 18, 2024, an application was received by a marketing partner but based on the limited information, the application for a loan was denied without a hard credit pull.  On May 28, 2024, another application was received in which ************************ spoke with an Achieve representative and provided additional information as well as authorized a hard credit pull. Based on the information provided, a loan could not be provided to ************************. Because ************************ did authorize a hard credit inquiry the inquiry will not be removed. We do encourage ************************ to contact Achieve with additional questions or concerns.

  Customer response

  05/30/2024

  "On May 18, 2024, an application was received by a marketing partner but based on the limited information, the application for a loan was denied without a hard credit pull."

  The only communications that I had with any party on this matter was 5/28, during which I took sporadic notes. What I was told after Simple Path said they couldn't offer me a consolidation loan and were seeing if partners would be able to do so initially told me that there were no offers from their partners. I was offered some sort of restructuring of the debt, which I declined. At this point in the conversation, I was informed that a late response had been received by one of their partners, approving me for a loan, with specific term lengths, rates, and payments. That is when I was transferred to "processing department" to finalize the loan. However, the processing department was not of Simple Path, but Achieve, who ran me through the whole process again, also telling me as best I can recall, after declining to offer me any financing options, that they did not send any such information over to Simple Path, and transferred me back to Simple Path to try and attain answers from them. 

  What is bothersome beyond all other things is that I was told a partner, Achieve, had offered me terms and rates, and I would be finalizing the process with them, only to be told otherwise by Achieve. If Achieve did send terms and rates to Simple Path, as indicated, then this would come across as a bait and switch to damage one's credit. "Here are your options to choose from. But by the way, there are no options, we won't actually extend you an offer, despite presenting you specific term lengths and rates." 

  

  Business response

  06/13/2024

  Based on the limited information provided on the third-party marketing partners application, a pre-approval can be provided; however, an updated application is needed as well as the members authorization to have a hard credit pull completed.  ************************ provided the updated information and authorized the credit pull on May 28, 2024.  We do encourage ************************ to contact Achieve with additional questions or concerns.

• Initial Complaint

  05/25/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  The personal loan dashboard that is mentioned in every payment confirmation email does not exist. I have contacted Achieve multiple times asking how to access but never get a response. When I try to log into Achieve to view this dashboard I am directed to a page to start applying for another loan and there is no indication anywhere on the site that this dashboard even exists. AVOID AT ALL COSTS if you want to be able to view your loan details online. **************** does not exist for this ********************** and I'm confused how they are rated so well here. Looking forward to having this paid off in a year and a half so I don't have to deal with this anymore.

  

  Business response

  05/31/2024

  Thank you for the opportunity to respond to *************************************** complaint. ************************ has been contacted and provided access to the Achieve online dashboard. ************************ stated she had no further concerns.  If further assistance is needed, we encourage ************************ to contact Achieve customer service.

  

  Business response

  06/06/2024

  Thank you for the opportunity to respond to *************************************** complaint. ************************ was contacted on May 30, 2024 and was provided access to the Achieve online dashboard. The representative also provided contact information for ****** Services. ************************ stated she had no further concerns. If further assistance is needed, we encourage ************************ to contact Achieve customer service.

*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. ↩