ComplaintsforAlleviate Financial Solutions LLC

• Initial Complaint

  08/13/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I agreed to work with alleviate solutions with the promise that they would contact my creditors for settlement. They have not contacted and single creditor for me. I have still been dealing with my creditors via phone and email. Alleviate advised me to stop making all payments and to pay only them. I have paid them for 4 months and they have done absolutely nothing. I have contacted them and asked someone to call me, but they never do. I want the money that I have paid them, so I can talk to my creditors for settlement. I will have to do the job they promised to do myself.

  

  Business response

  08/14/2024

  Dear *****, 
  

  We sincerely apologize for any dissatisfaction youve experienced with our services, and we truly appreciate you bringing your concerns to our attention. We understand that you requested to cancel your services yesterday, and I want to assure you that your file is currently being processed for cancellation, with all payments halted. 

  To further support you, we have assigned a dedicated member of our management team to ensure that your concerns are thoroughly addressed. Please know that your satisfaction is of utmost importance to us, and we deeply regret any inconvenience this situation has caused. 

  Thank you for giving us the opportunity to address this matter.  

• Initial Complaint

  07/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Transaction with Alleviate Financial Solutions LLC on July 29, 2024 I am acting within the 3-day cancellation agreement period with Alleviate Financial Solutions LLC (AFS) and today have mailed by *** a Notice of Cancellation to the address on said notice: ******************************************, guaranteed to arrive at this address on August 1 by 10:00 a.m. After a phone discussion with 3 individuals at SelfDebt (which appears to be funneling customers/leads to AFS), I was led to understand, verbally, that I could get a more favorable interest rate on my credit card debt. However, upon receiving the written service agreement, the risks and costs are heavily weighted towards me, the customer, with no actual guarantee, plus the potential for additional legal costs-- an undisclosed amount per hour where I would be liable. I was told verbally that my ONLY payment going forward would be to the credit card company, and the that savings would accrue to me, but according the exhibit provided by Alleviate Financial Solutions,, I would also be paying them.Given the discrepancies between the verbal pronouncements and the agreement, I am concerned that I will be debited regardless of my cancellation. I would like a speedy confirmation of my cancellation, and guarantee that AFS will not debit my bank account.

  

  Business response

  07/31/2024

  Dear ******,

  Thank you for reaching out to us. We sincerely apologize for any confusion that *** have occurred and understand your concerns. 

  We appreciate the opportunity to address this matter and have assigned a dedicated management team member to contact you soon to discuss this further. Although we have not yet received the letter, I have proactively initiated the cancellation process on your behalf. Your account is currently processing the cancellation, and we have stopped all payments, ensuring that no debits will be made to your account. 
  

  We apologize once again for any confusion and look forward to resolving this matter promptly. 

  Thank you for your patience, and we look forward to speaking with you soon. 

• Initial Complaint

  07/06/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I need someone from this company to help me. I have been with Alleviate for over a year. I was told a few months ago I was approved for the accelerator loan. My remaining settlements to be paid off was $13,168. The accelerator loan I was approved for was for $19,800. I talked with an advisor from Alleviate and told them my concern with the loan being that much and they consistently and repeatedly told me that they will not use the full amount and the remaining will be sent back to the loan company. After being reassured and verbally promised, I moved forward with the loan to pay off all the debt. Now I am still showing I owe the full $19,800 with an *****% APR and no one will help me. I have talked to over 10 different people and departments and the only thing people keep telling me is that if I didn't want a $19,000 loan then I shouldn't have signed. I am sick over this because I am going to be paying double then what I would have paid if I did not decide to do debt settlement in the first place. I need someone from this company to give the loan company back the $6,000 because I am drowning over here and have been so stressed out about money and no one is helping me. I do not know what else to do. I am just begging someone from this company to help me. I have been lied to this entire time and transferred from one department to another and no one knows anything somehow. No one will contact me about this and they refuse to help. No one knows who to even give me too to talk with.

  

  Business response

  07/08/2024

  Dear ******,
  
  Thank you for reaching out and sharing your concerns with us. We sincerely apologize for any difficulties and inconvenience you may have experienced. Please know that we are committed to assisting you.
  
  We take your feedback very seriously and appreciate you bringing this to our attention. We are currently thoroughly reviewing your case. A dedicated management team member will contact you soon to discuss this matter further.
  
  We greatly appreciate your patience as we work to address your concerns. Please expect our call soon.

  Customer response

  07/08/2024

  This is the same message I keep receiving from this business and have yet to receive a call or talk with someone who can help me. They have violated the Consumer Protection Act and they are not taking this seriously. They need to fix this now. I cannot keep waiting for a call that never comes and I cannot handle another automated response. 

  

  Business response

  07/11/2024

  ****,
  

  We greatly appreciate your continued feedback and sincerely apologize for any frustration caused. Your case has been assigned to Kosh, our Senior Director of Operations. You have an appointment scheduled to speak with him tomorrow, July 12th, at 10:30 AM PST.

  We take your concerns seriously and value the opportunity to address them.
  

  Thank you again for your patience and understanding.
  

  Warm regards,

  Alleviate Financial Solutions

• Initial Complaint

  06/28/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  En Junio 25, 2024 recibi una llamada ofreciendome los servicios del programa Alleviate Financial Solutions, LLC y termine firmando un ******* de Servicios de manera rapida y sin pensarlo bien, porque me dijeron que despues podria leerlo y prescidir en cualquier momento del servicio, si asi lo necesitaba. Despues ******* bien el ******* de Servicios, me di cuenta que el servicio ofrecido no era en su totalidad de mi agrado y envie un correo electronico para la *********** del ******* de Servicios, explicandoles el motivo por el cual no quiero continuar con el proceso. Firme la hoja del contrato, designada para tal fin y la envie por correo electronico y convencional. Segun el ******* que firme, yo puedo cancelar sin multa u obligacion alguna, dentro de los 3 **** habiles desde la fecha de la firma, enviando un email a: *************************************************** a mas tardar en la media noche del ************************. Yo envie el correo electronico el 26 ******** 2024 a las 8:15 a.m., y el correo convencional lo envie *** misma tarde del 26 ******** 2024, a la direccion establecida en el acuerdo, sin embargo no he recibido ninguna respuesta. Lo que me preocupa es que la empr*** tiene mi informacion bancaria y podria requerir los fondos de mi banco en la fecha establecida en el *******. Esto puede suceder si el personal encargado no esta informado de que yo he cancelado el ******* en la maana siguiente que lo firme.Segun he leido en algunas ******, ha sucedido que algunas personas han cancelado los servicios y la empr*** ha retirado los fondos de su banco. Es por eso, que pido amablemente que la empr*** me responda y me confirme que el ******* ha sido cancelado. Es importante mencionar tambien, que este mensaje lo estoy enviando incluso dentro de los 3 **** habiles de la firma del ******* y estoy adjuntando tambien el ***** de *********** ya enviado por correo electronico y por correo convencional.Agradezco de antemano su colaboracion para la cancelacin del *******.

  

  Business response

  07/01/2024

  ******************,
  
  Gracias por ponerse en contacto con nosotros y compartir sus preocupaciones. Sus comentarios son muy valiosos; le agradecemos sinceramente la oportunidad que nos brinda de tratarlos. Nos disculpamos sinceramente por cualquier inconveniente que haya podido experimentar con nuestro servicio.
  
  Queremos asegurarle que hemos recibido su solicitud. Su cuenta est en proceso de cancelacin y sus pagos mensuales se han cancelado.
  
  Con el fin de analizar ms a fondo sus comentarios y garantizar una solucin satisfactoria, hemos asignado a un miembro del equipo de gestin para que se ponga en contacto con usted en breve.
  
  Agradecemos sinceramente su paciencia y comprensin mientras trabajamos para resolver este asunto. Por favor, espere nuestra llamada en breve.

  Customer response

  07/01/2024

  
  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

  06/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have a debt reduction from alleviate financial. I call to stop my auto pay. I talked to customer service about stopping my auto payment. The guy said that I can't. My bank said to just call alleviate financial cancel it. Alleviate said they can't. I asked the guy is that even legal. He said yes. You can't cancel payment method. I also found out that they take 25 percent of my payments made. Of course they never told me that. It's actually more of a scam than helping people. I pay approximately ****** a month. I attached a screenshot of what they with draw each month. I might add that I'm disabled. I collect SSDI. Thanks

  

  Business response

  06/27/2024

  Dear ****,
  
  Thank you for taking the time to share your feedback with us. We understand that dealing with financial matters can be stressful, and we sincerely apologize for any difficulties and inconvenience you have experienced with our services. Your concerns are very important to us, and we deeply regret any frustration this may have caused.
  
  We understand your concerns regarding payments and our service fees for settling debt. Please know that we take your comments seriously and value your feedback. To ensure that your concerns are addressed thoroughly, we have assigned a dedicated management team member to reach out to you directly. They will discuss your feedback and any additional concerns in detail. 
  
  Once again, we are genuinely sorry for any inconvenience and assure you that we are fully committed to addressing this. We look forward to speaking with you soon and are here to help in any way we can. 

  Customer response

  07/09/2024

  Hi. I previously started a complaint about alleviate financial. I want to cancel my automated payment. I talked to one person I can add then another person I can. I don't want them making a withdrawal. I'm disabled and the only money is all SSDI money. It's a against the law. To take money from there when I want to. They refuse to stop withdrawals out of there. Please address this issue. Like I said it's against the law to take my money if I withdraw my account access. I guess this would be a violation of my rights, Under disability. Not to mention the amount they take in fees is ridiculous. They tell you a small few to start. Of course they forgot to tell you about the 25 PO percent they take of each payment you make. Sounds good to start but as time goes on you find out what there all about. Everyone you talk to you have one h*** of a time to even get them to the to tell you how much they charge. Infact all the employees are committing fraud by not telling people about stuff. They say credit cards are preditory lenders. There the same thing. Once they get this complaint they call me no resolutions and forget about what I'm saying. Thank you. ***********************
  

  
  

  

  Business response

  07/11/2024

  Dear ****, 
  

  Thank you for your continued feedback. We sincerely apologize for any inconvenience you may have experienced and want to assure you that we are here to support you in every way we can. 
  Please know that we take your concerns seriously. ****, our Senior Director of Operations, will contact you today to discuss the situation further. We are committed to addressing this matter and look forward to speaking with you soon. 

  Once again, we apologize for any inconvenience and appreciate the opportunity to address your concerns. 

• Initial Complaint

  06/20/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I started a contract with Alliviate in December 2023. I was told at this time it would take approximately 4-6 months to reach settlements with my collections, and to stop paying them or they wont accept settlements. I have called monthly for status and paid over $3,000. They have only settled 1 of my 6 accounts. So I applied for early graduation and was pre-approved through Loanosity. Since then I have called 3x in the last month to get a status, they keep saying my agent will call me back, as they are out of the office, but they never do! Now today, I received an email saying that my application has been withdrawn due to Alliviate not reaching a settlement with my debts within 30 days. So *** called again, told once again Id receive a call in 15 minutes. Nothing. So far they have paid $200 towards one debt and over $1,500 to themselves for reaching a settlement, and other misc fees that are made up by this portal you are forced to use. At this point I could have paid off 3 debts by myself with the funds.It seems like unless you follow the original program they stop helping. Its not about helping you get in a better position at all, its about them earning money. They know that these things are time sensitive and do not care the outcome.

  

  Business response

  06/21/2024

  Thank you for sharing your thoughts, ******. We want you to know that we are here for you every step of the way, and we deeply regret any difficulties you may have experienced.
  
  We are aware that you spoke with our finance department today about the funding and negotiation process, and we are truly sorry for any inconvenience caused. 
  
  We appreciate your patience as we continue to work diligently on your account. If you have any further concerns or need more assistance, please know that we are here to support you and you can contact us directly. 

• Initial Complaint

  06/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a 79-year-old man that lives off only on the *** payments. I contacted Alleviate Financial Solutions on March 2024 based on a letter they sent to my home. I had tried to get a debt consolidation loan to pay about $20,000 in credit card debt with a bank but had been turned down. I was told by the woman that answered my call, ******************* **************************************************** that they could only offer me debt restructuring. I was unfamiliar with the process and was told that it would only affect my credit for 6 months.She then proceeded to interview me as if for a loan and after consultation with their underwriter I had been approved for the credit debt. Then she had me sign 27 times a contract sent by email with haste to appease the underwriter, with no time to read it. The next day I was told to call again so I could finish the induction and was told to give them the last 4 digits of my credit cards, which they did not have. My account no. is *********** had been paying all my debts on time but now I had to stop paying without saying I was working with a debt consolidation program. That is not me and have, as of this complaint tried to have the contract cancelled by a call not answered and an enclosed email, and return the more than $1,364.88 dollars returned to my bank with a cease-and-desist email to *********************************** ********************************************************** to stop withdrawing any more payments. I have not heard from ************************ or anyone else.I am demanding to be left out of this money trap that is hurting more than is helping and be returned the funds that in 3 months of 450 dollars each they have taken out of my bank account.

  

  Business response

  06/05/2024

  Guaroa,

  We are genuinely sorry for any challenges you may have encountered and are grateful for your efforts in bringing this matter to our attention. Your feedback is extremely important to us, and we are fully committed to addressing your concerns.

  We understand your request to terminate your contract, and we want to confirm that your account is currently in the process of cancellation. We sincerely apologize for any inconvenience this circumstance may have caused you. Please be assured that your concerns are being thoroughly reviewed. A dedicated member of our management team has been assigned to contact you soon to discuss your concerns in greater detail. 
  

  We are dedicated to resolving this matter and appreciate the opportunity to address your feedback directly. Please expect a call from us soon. 
  

  Best regards, 
  

  Alleviate Financial Solutions 

  Customer response

  06/08/2024

  I will not be happy until the money is in my bank and a letter from Alleviate acknowledging the breaking of the contract.

  GB

  

  Business response

  06/10/2024

  We have successfully processed your cancellation request, and your account has been closed as requested. The confirmation of this cancellation has been sent to the email address on file. Additionally, relevant refund information has been included in this correspondence. 
   
  Guaroa, we appreciate your valuable feedback and extend our sincere apologies for any inconvenience caused. Should you have any questions or require further assistance, please feel free to contact our customer service team, available Monday through Friday, from 6:00 am to 6:00 pm, at **************. 

• Initial Complaint

  05/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On March 13, 2024, I was contacted by *********************** of Alleviate Financial Solutions. I was provided a link to an email address that didn't work and was given a brochure that I later realized did not have the official Alleviate logo on it. I was pushed to sign a contract prior to my noticing these discrepancies. They proceeded to ask for credit card/loan information for five accounts as well as other personal information. I was told to pay upfront into a special account prior to services being rendered. Once I realized this could be a scam, I changed all of my bank and credit card accounts. I had provided them with my account information for my PNC bank account and somehow they withdrew money from my ***** Fargo account for which I did not provide account information. I closed both accounts and they were still able to withdraw funds from my new ***** Fargo account without authorization. I also added fraud alerts to my 3 credit reports.

  

  Business response

  05/30/2024

  Dear **********, 

  We appreciate the time you took to share your concerns, and we sincerely thank you for your feedback. We deeply apologize for any inconvenience you may have experienced. Please know that we take all feedback seriously and value the opportunity to address your concerns. 
  

  Upon enrollment, we collect the necessary information to proceed with our services, which may include account information for the accounts our clients want us to settle, as well as their payment information to establish a custodial savings account for settlement payments and fees.

  After thoroughly reviewing your account, we found that you spoke with one of our representatives on March 20, 2024, and requested an update to your banking information on file. You provided banking information for a ***** Fargo account verbally and signed a document authorizing charges to this account.

  We understand that you are disputing the amount of $1575.55. However, the scheduled payments were returned to us as an unauthorized return, which means there is no amount due to return to you.

  We sincerely apologize for any confusion or inconvenience you may have experienced and appreciate you bringing your concerns to our attention. Your account with us is currently being processed for cancellation, and you can expect to receive a confirmation of cancellation email no later than tomorrow. 

• Initial Complaint

  05/24/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On or shortly after 4/15/24,I opted to quit the program and have the $1000+ they had in my account refunded to me. Retention **** talked me into going through their graduation program and assured me no other payments would be taken from my bank. I was told a graduation team would contact me however, that never happened. On 5/15/24, they took a monthly payment of $350.96 from my bank account. I called and asked for a supervisor. I was transferred to a supervisor named ***** at ext 5790. After some time ***** assured me she would issue a request for refund and it would take 3-5 business days to process. She gave me her extension so I could call and speak to her directly. When I call I am not able to speak to her. I cannot get past the team who answers the incoming calls.***** will not take my calls, nor will she return my calls and emails. The amount due to me is $1391.81 plus the $35 overdraft protection charge from my bank for the 5/15/24 charge. Today I discover there has been an additional $9.95 custodial fee charged to my account reducing the amount of my refund. Essentially, my money is being held hostage while they drain me with fees. I cannot get ***** on the phone to discuss this. The total amount owed to me is $1426.81. I cannot get anyone in management to speak to me directly.

  

  Business response

  05/28/2024

  Thank you for taking the time to share your feedback, *********. We sincerely apologize for any difficulties you may have encountered and appreciate you bringing this to our attention. We are reviewing your case and will have management contact you soon to address this.
  
  We appreciate your patience as we work diligently to resolve this. Please expect our call. 

  Customer response

  05/30/2024

  
  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

  05/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In August 2023 I entered an agreement with Alleviate Financial Services to consolidate two credit cards. One for Discover with a $29,500ish balance and a Capitol One card with a balance of approximately $1,200ish.I was told repeatedly that this company has worked with both of these creditors and have good relationships with them, that I would pay Alleviate $26,300ish for these debts because they would buy the debt for less than its current balance. I was told this could take up to 3-6 months for as deal, and to stop paying those creditors altogether because it would give them a better chance of negotiating for a lower amount. I did that.It took them 8 months to settle with Capitol One and now 10 months in, I'm being told that Discover will only sell the debt for 23K and change. The fees for the services of Alleviate are $7625. If I tell them to accept that amount from Discover the total amount I would now have to pay Alleviate to close out the "program" is $30, 821.98. That means that for the last 10 months my credit score has been decimated and I will be saving less than $1,000. While Alleviate made $7,625 profit.Alleviate refused to give me any corporate names or contact info. I am FAR worse off than if I had never worked with Alleviate in the first place. I don't know what to do at this point. I have ghosted Discover Card for almost a year and nearly $4 thousand has been added to that debt in interest charges. This complaint isn't just buyers remorse. I have been scammed and have been financially devastated by this company. I feel like I have no choice but to accept this offer that they made with Discover card because all the people I spoke with at Alleviate said that if they try to re-negotiate the price would more than likely go up rather than down, all the while the interest charges continue to add up. Please respond and help me recoup some funds from this scam. I will wait to hear from BBB before I do anything else.

  

  Business response

  05/24/2024

  Dear *****, 

  Thank you for your feedback. We apologize for any dissatisfaction you have experienced with our program. We understand you have concerns about a potential settlement offer and have requested a refund. Please know we are reviewing your case. Management will contact you soon to discuss your concerns in detail and address any additional issues you may have.

  We appreciate your patience and thank you for bringing this to our attention. 

*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. ↩