Complaints

This profile includes complaints for Alleviate Financial Solutions LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Alleviate Financial Solutions LLC

  1 Park Plz Ste 600 PMB 519 Irvine, CA 92614-5987

  
• 

  Alleviate Financial Solutions LLC

  4 Park Plz Ste 1500 Irvine, CA 92614-3516

  

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:04/24/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On April 17, 2025 I signed up with Alleviate Financial. I had the option to cancel within 3 business days and I did so. As of today, April 24, *********************************** to additional people to complete the cancellation. So far I have talked with 4 people and they told me last night I needed to speak to someone else. I just want my account cancelled that's all.

  

  Business Response

  Date: 04/24/2025

  Thank you for reaching out, *******.
  
  We appreciate your feedback and sincerely apologize for any difficulties you may have experienced during the cancellation process.
  
  After reviewing your file, we can confirm that you spoke with the cancellation team and your request has been initiated.
  
  If theres anything else we can assist you with, please feel free to reach out.

  Customer Answer

  Date: 04/24/2025

  why do i have to talk to 6 people for a week to get someone to cancel my account?  This delay tactic obviously is an attempt to retain or convince the customer to stay.  As of now, April 24 at 10:05 am i dont have confirmation of the cancelation that was requested on April 18.  This may need further action in my part if I dont have the confirmation by the end of today, April 24 at 5pm.

  

  Business Response

  Date: 04/24/2025

  Thank you for your continued feedback, *******.

  We truly appreciate it and can confirm that the confirmation of cancelation was sent to the email address on file. 
  

  If anything else comes up, please feel free to reach out. 
  

  Wishing you nothing but the best. 

  Customer Answer

  Date: 04/25/2025

  
  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

  Date:04/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I started with this ******************* in March 2023 with a a **** A "countess **** ******* **************************** # ************** who as of trying to contract him for 3 months will not return my calls ************ Alleviate Financial Solutions LLC has stolen my money and since March 2023 to date April 2025 have not done anything to resolve my **** I owed ****** credit card **** and was paying on my own until i receive a call from **** ******* Agent 1 went from paying $270.00 every 2 weeks to start paying $470. 98 every 2 weeks to try to get this payment over. Every time I call this Company I talk to a diffidence person all the time explaining my concerns No supervisor will come to the phone and answer my question I to date have deposits ********* and have now paid a Fess of $6,12.76 and have hade a Balance of $14;652.75 something is not right with this company and they my next Step is to sue them for all my money and returned my Credited score back to good standard I put a Stop on Payment t to them from by bank USAA and I'm a Vietnam Era Veteran who suffer from PTSD and this is stressing me totally Out. I had 5 credit cards accounts to pay off 1. CCB/ LNDINGCL 2. SYNCB/CARECR 3. ********* is the only account that has been paid off? 4. Speedy Cash 5. Discover Bank none has been paid off to date and i wan only $****** in credit Card **** so my quest is where is all my Money ? and why can i not talk to any Manager or Supervisor ? when ask to This is a Scam in the worse and i am planning to go to there off and confront them about my Money and Account but I'm going to wait to hear from you first **** I talk to a Account *** name **** on 4/4/2025 and was told someone from corporate will call me but i just need to continue to record the information so they can listen to it to get back to me ? They i do not know who they are ? I need your help I am 1 or many 143 total complaints in the last 3 years and 65 complaint in the last 12months They are a Scam ****.

  

  Business Response

  Date: 04/14/2025

  Dear *******,
  
  Thank you for reaching out and sharing your concerns with us, and most importantly, thank you for your service. Were sorry to hear that this experience has caused you stress and truly appreciate the chance to offer some clarity and support.
  
  We take your feedback seriously and have assigned a management team member to contact you directly so we can go over everything in more detail.
  
  In the meantime, wed like to clarify a few things.
  
  Since your enrollment in March 2023, our team has successfully negotiated and settled four out of the five debts enrolled in your program, with an average settlement rate of 53%. One of those accounts has already been paid off, and youre currently making payments on the rest. Your program term is estimated at 42 months, leaving ample time remaining to address the final account.
  
  While we believe that youve made significant progress, we understand that the process can be stressful when it feels like things arent moving quickly enough. Please know that we share the same goal of resolving all enrolled debts and will explore all available options to do so.
  
  Were looking forward to connecting with you soon to go over everything and make sure your concerns are fully addressed.

• Initial Complaint

  Date:04/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a complaint against Alleviate Financial Solutions for failure to fulfill their contract and misleading business practices.On May 26, 2023, I enrolled three credit card accounts with them for debt settlement: Discover ($11,708), ***************** ($4,722), and *********** ($3,055). I was told they would negotiate settlements within 6 months, and I agreed to pay $373/month for 48 months.The only account they acted on was Discover, which they settled for $8,806.32 over 36 months. They never contacted the *********** creditors, and as a result, both accounts were charged off. Worse, ***************** filed a lawsuit against me on April 2, 2025 (Case No. ************, *************, **). My credit score has also dropped significantly.I have made all payments on time and was promised monthly update calls, but I received fewer than five in nearly two years. This company misrepresented its services, failed to act, and put me in a worse financial position.I am requesting a full investigation, a refund of all fees not used for the Discover settlement, and release from the contract. Alleviate Financial Solutions should be held accountable for their negligence and deceptive practices.

  

  Business Response

  Date: 04/11/2025

  Dear *********,
  
  Thank you so much for reaching out and taking the time to share your thoughts with us.
  
  We genuinely appreciate your feedback and value the opportunity to work with you towards a resolution.
  
  We completely understand how important it is to feel supported during this process and sincerely regret any frustration or concern you may be feeling. Please know that your experience matters to us, and were here to help however we can.
  
  After reviewing your account, we can confirm that a significant portion of the funds deposited into your custodial savings account is currently being applied toward the active settlement we secured on your behalf. Because of this, the funds available to initiate additional settlements are currently limited. We understand how discouraging this may feel and assure you that we remain fully committed to making continued progress on your behalf.
  
  While litigation can occur regardless of enrollment in the program, your decision to opt into the optional legal services ensures you have added support if needed, provided the proper documentation is submitted in time. In addition, our team of priority negotiators actively work in these cases to pursue a resolution before any matter escalates further.
  
  A member of our management team will be reaching out to you soon to address your concerns directly and to further discuss your requests.
  
  We are committed to walking with you through this process with care and advocacy and look forward to connecting with you soon.

• Initial Complaint

  Date:04/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I talked to someone who is employed by Forth Alliviate and I let them know that I wanted to cancel my subscription for their service but I check my bank account and they have taken out a payment. I contacted the office on March 10th to let them know that I had changed my mind about it and I want my money back in my account now!!

  

  Business Response

  Date: 04/02/2025

  Dear *****,
  
  Thank you for reaching out to us.
  
  We sincerely regret any inconvenience youve experienced and truly appreciate you bringing this to our attention. Please know that your concerns are important to us.
  
  Were looking into this and have initiated the cancellation process on your behalf. A member of our team will be reaching out to you soon to discuss the next steps and ensure your request is handled smoothly.
  
  We value the opportunity to assist you and sincerely apologize again for any inconvenience.
  

• Initial Complaint

  Date:04/01/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I settled all of my accounts; it took over a year to settle the last account with this company. Once i got an offer to settle with my last account I added up any pending charges plus any deposits that was scheduled. I confirmed this with the upcoming transactions tab on their account page, it stated i would only have 1 charge of $9.95 remaining after I settled with the last account. I should be receiving about $439 back after their fee was taken. I log in to see they charged me another $277 leaving me with about $160 in my account which is outrageous. If this was a true fee it shouldve been on the upcoming transactions tab instead of all of sudden this new fee arises after I sent a message to them directly asking when i would be receiving the remaining balance on my account. I would like the $277 refunded back to me with the rest of the money because i believe i was scammed if it was a true upcoming charge it shouldn't have been hidden from me.

  

  Business Response

  Date: 04/01/2025

  Dear ****,

  Thank you for reaching out. We sincerely apologize for any frustration or inconvenience this situation has caused and truly appreciate your feedback. The completion of your program is an important milestone, and we regret if this experience has not been as smooth or positive as expected.  

  After reviewing your account, we can confirm that the deduction from the dedicated savings account was our service fee for settling your final enrolled debt. This fee is only applied after you have approved a settlement we obtained on your behalf, and the first settlement payment has cleared. This is outlined in our signed agreement and has been consistently applied to other settled accounts as well. 
  

  We understand how frustrating this can be, and we want to assure you that your concerns have been escalated to management for further review. We are here to support you and appreciate the opportunity to address your feedback further. 
  

  Please be on the lookout for our call soon. 

  Customer Answer

  Date: 04/01/2025

  why would this fee not be under the upcoming transactions like other fees? Why is it hidden? Your business is shady. The company took over a year to settle while you guys just collected money from me. I have multiple emails which Ive forwarded and have proof of to get this account settled. Now that it is settled and paid then it should have shown the upcoming charge. I will never send anyone to use your services if i knew this is how clients are treated. I would have never settled for the amount i did if i knew about this fee that was 1/3 of the amount i settled to the company to begin with. I want my remaining balance plus the fee back so i can cut my ties with this company. 

  

  Business Response

  Date: 04/02/2025

  Thank you for your ongoing feedback, ****.
  
  We believe in transparency and ensure that all fees, including program-related costs, are clearly outlined in the signed agreement. That said, were always happy to discuss this further and answer any questions you may have.
  
  Our service fee is only applicable once you approve the settlement weve secured and after the first payment clears, which occurred on March 27th. Please know that we take your concerns seriously and truly value the opportunity to address them.
  
  Well be reaching out to you soon, kindly keep an eye out for our call.

• Initial Complaint

  Date:03/05/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been receiving calls from Alleviate Financial for almost a year now. I have verbally requested to be removed from their call list, and multiple employees confirmed my phone number is no longer listed. However, I am still receiving daily calls from them, bordering harassment. I am filing this BBB report to remove my personal information from this business and to stop communications with them.

  

  Business Response

  Date: 03/06/2025

  Dear *****,

  Thank you for reaching out. 
  

  We sincerely apologize for any inconvenience and appreciate you bringing this to our attention. We have added the number provided to our Do Not Call List. 
  

  Please feel free to reach out if you have any further concerns. 
  

  We appreciate the opportunity to resolve this and wish you the best. 

• Initial Complaint

  Date:02/24/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A debt consolidation company alleviatefailed to contact my banks and the banks withdrew all the past due amounts that were owe BUT I HAD BEEN MAKING MY PAYMENTS TO ALLEVIATE. So technically I paid alleviate for services they failed to provide and in addition my bank took my money to catch up on the debt baby fed confirmed alleviate never made any contact with them I just want my full $846 from alliviate back

  

  Business Response

  Date: 02/24/2025

  Dear ******,
  
  Thank you for reaching out and sharing your concerns with us. We genuinely appreciate the opportunity to address them and want to assure you that your feedback is taken very seriously. Our management team is currently reviewing your case, and we will be in touch soon to discuss your concerns in more detail.
  
  As a trusted company in the debt relief space, we sincerely regret any inconvenience you may have experienced. You were enrolled in the program for two months, with an estimated term of 44 months as outlined in our signed agreement, during which we anticipated settling all enrolled debts. While we remain confident in our ability to help you achieve financial relief within the agreed timeframe, we fully understand your request and have documented it in your file.
  
  We truly appreciate the opportunity to assist you and sincerely apologize for any inconvenience this may have caused.
  
  We look forward to connecting with you soon.

• Initial Complaint

  Date:02/20/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I also want to cancel my plan and am within my rights prior to the first payment. I have been waiting for a call from an agent and want to ensure that all planned payments are cancelled and my banking information is removed.After doing the math on the terms, I would be spending more money for longer time than if I were to manage the debt myself.

  

  Business Response

  Date: 02/20/2025

  Dear ******,
  
  Thank you for reaching out.
  
  We understand your concerns and appreciate the opportunity to assist you. While weve helped hundreds of individuals resolve their debt more efficiently, we respect your decision and want to ensure a smooth process for you.
  
  We can confirm that you spoke with our account specialist earlier today to finalize your request. Additionally, we have successfully stopped payments as part of the cancellation process.
  
  If you need any further assistance, please dont hesitate to contact us at **************, Monday through Friday, 6 AM 6 PM PST.
  
  We appreciate the opportunity to have worked with you and wish you all the best moving forward.

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The debt relief program was grossly mis***resented during initial calls.I had a credit score above 700 upon entry in to this program.I was told with monthly on time payments I would be able to apply for a loan within the program at 6 months.I had not missed one payment with my creditors but I was concerned about a potential layoff.Had the program been honestly presented to me I would NOT have signed up with ******* credit score tanked below 500.After consistent on time payments I called to apply for the loan I was told Id be able to apply for. I was THEN told they didnt service loans in my state. At this point my credit score was so terrible that I couldnt get a loan anywhere else. Many times I needed to speak to someone that understood the questions I was asking and could converse in English but this was very difficult. I had no problems getting connected to an English speaking *** when I wanted to cancel but unless I was trying to cancel the program I could only be connected to foreigners whom were difficult to understand and whom clearly didnt understand what all I was truly asking. Theres a difference in knowing a language and being able to effectively communicate/converse in a non native language. I specifically inquired about fees and was told, early on, that the fees were being paid monthly. When the one account settled I was then informed the amount of fees I owed. Upon entering the program my total was far less than when it settled and I then had fees on top of this. My additional creditor that remained in the program has left me with the same result. Thousands added to the total owed. Ive removed myself from this program and hope to alert everyone I know that this company is nothing but a scam. To take calls from vulnerable people and paint the picture of a viable solution when in reality they want all of your accounts to go delinquent to the point of being sued. You then settle above what you originally owed + their fees.

  

  Business Response

  Date: 02/19/2025

  Dear ********,
  
  Thank you for reaching out and sharing your thoughts with us. We understand the importance of feeling supported throughout this journey and sincerely apologize for any challenges or frustrations you may have experienced. Your concerns are important to us, and we truly appreciate the opportunity to address them.
  
  At the time of your enrollment, a loan option was available in your state. However, when you later inquired about this option, we were unfortunately no longer partnered with that specific lender. We completely understand how disappointing this must have been and deeply regret any inconvenience it may have caused. Please know that we are actively working to secure another lender in your state.
  
  Regarding fees, we want to clarify that they are structured within the monthly deposit. While some are applied on a monthly basis, our service fee for settling debt is only applicable after you have approved a settlement weve negotiated on your behalf and the first settlement payment has been made, as outlined in our signed agreement. Additionally, any potential credit implications are fully disclosed in the agreement to ensure transparency.
  
  We understand concerns about potentially paying more than the enrolled debt, which is why we have a Program Cost Protection policy in place. This ensures that if your total Alleviate program costs exceed 100% of your enrolled debt, an eligible reduction of our service fee is available.
  
  After reviewing your account, we confirm that while the settlement for the legal debt was higher than initially projected, we did not charge the full-service fee due to your cancellation. Even with the settled amount and our service fee charged, the total remains less than the original enrolled balance for this account.
  
  We take your feedback seriously and understand that you are requesting a refund and may still have concerns. We have assigned a management team member to review your feedback and follow up with you soon.

• Initial Complaint

  Date:02/15/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 2/14/2025, I spoke with an employee of this company and they explained that they would handle some debt issues for me. He stated that I could reach out to him at anytime or customer service 7 days a week. We signed a contract based on his explanation. After reviewing the contract in depth, I realized that this person did not fully explain the entire program but rather gave a lot of misinformation. The guy assured me that all issues would be resolved with creditors but upon researching further it was determined that they did not explain that correctly to me. Their desire is to resolve but no guarantee of anything and ultimately they will put you at risk if a lawsuit. Also, the company has had several name changes (or DBA) which was not disclosed and prevented further research about the history of client satisfaction and service delivery. Forth, ********, etc. I reached out to them to discuss these issues right after the call and to cancel but they would only answer for sales calls and stated service calls would not be assisted until Tuesday 2/18/2025 and they will not assist me further. I have sent a telegram to cancel and would like someone to acknowledge the receipt as the contract date says 3 business days and the cancellation contract says 5 business days. This company is very deceptive in what they say and what is true. I am very nervous and rightfully should be as this is a bait and switch program where people call for one thing and get something else that does not fully differentiate the components of each program. I am asking that my enrollment be cancelled in the correct time frame and that people be warned that you are informed of one product but sold something different. I have sent a telegram, email and informed my bank but no one will confirm that at Alleviate Financial. This is a terrible financial solution masked as a helpful resource. This complaint board appears to be all that they will respond to.

  

  Business Response

  Date: 02/17/2025

  Dear *****,
  
  Thank you for reaching out and sharing your feedback with us. We truly value your input and sincerely regret any inconvenience or challenges you may have experienced.
  
  While we understand that our program may not be the best fit for everyone, we are proud to have helped hundreds of thousands of individuals resolve their debt. Transparency is important to us, and we regret that the program did not meet your expectations. Please know that we are reviewing this matter thoroughly as part of our ongoing commitment to excellence.
  
  Although we have not received a formal cancellation request, I have proactively initiated this process on your behalf, and your account is currently being processed for cancellation.
  
  While we cannot offer guarantees due to the unique nature of each financial situation, many clients choose us for our expertise, structured approach, dedicated support, and optional legal plan to assist them throughout their journey. Our goal is to make the debt resolution process as smooth, efficient, and stress-free as possible.
  
  Additionally, our company name, Alleviate, has remained unchanged since our inception. Its possible that you are referring to your accounts custodial administrator. We sincerely apologize for any confusion and are happy to clarify further.
  
  We understand you may still have concerns and have requested a follow-up call. A dedicated member of our management team has been assigned to your case and will be reaching out to discuss this further.
  
  Thank you for giving us the opportunity to address your concerns, *****. We appreciate your time and look forward to speaking with you soon.