Complaints

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

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  Achieve

  2114 E Achieve Way Tempe, AZ 85288-6230

  
• 

  Freedom Financial Network

  1875 S Grant St Fl 4 San Mateo, CA 94402-2666

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:05/30/2025

  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 never opened an account with **********************, account number *****. Date opened, updated, payment received last payment, date closed,. This entire account look funny to me and its inaccurate. This account has been charged off continuosly every month from April 2020 to March 2025. If the account is charged off why is there a balance of $3290.00. Achieve keep extending the statue of limitation, with each month showing a charge off. Achieve is non complaint and neglience 15 *** 1681 n. This account need to be deleted immediately! This account is seriously hurting my credit, with the erroneous information. Per FCRA Achieve is t report whats fair and accurate, and this account is neither.

  

  Business Response

  Date: 06/10/2025

  Thank you for the opportunity to respond to ******************* BBB concern. Review shows on October 14, 2019, Mr. ***** signed a loan agreement authorizing Achieve Accelerated Loans, formerly known as Consolidation Plus, to quickly settle creditor accounts that Mr. ***** had been paying through the Freedom Debt Relief program. The loan funded on December 3, 2019; however, due to non-payment, the loan was charged off on April *******. Mr. ***** agreed to a settlement amount on October 17, 2023, and payments have been made since July 25, 2024. The loan is reporting accurately. A fraud review was also completed on January 13, 2025, in which the loan was deemed non-fraud. We encourage Mr. ***** to reach out to Achieve *************** with any further questions or concerns.

• Initial Complaint

  Date:05/26/2025

  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 submitting a complaint against AchievePL for the unauthorized reporting of an account that I did not open. Upon reviewing my credit report, I found the following account listed without my consent or knowledge:Account Name: ACHIEVEPL Account Number (partial): *********Opened Date: 05/28/2019 This account is fraudulent and has a negative impact on my credit profile. I did not apply for, authorize, or open any account with this **********************. It is highly likely that this account was fraudulently created due to identity theft stemming from the 2017 ************ breach, which exposed my personal information.

  

  Business Response

  Date: 06/10/2025

  Thank you for the opportunity to respond to Ms. ****** ******** BBB concern. Review shows Ms. ******** opened a loan with Achieve,formally known as Freedom Plus on May 28, 2019, for the amount of $19,999.99.Due to non-payment the loan was charged off on November 26, 2019. Freedom Plus changed our name to Achieve in December of 2022 and notifications were sent to all active members to advise of the name change. A fraud review was conducted on April 7, 2020, and August 5, 2020, in which the account was deemed to be non-fraudulent. The account is reporting accurately. We encourage Ms. ******** to reach out to Achieve *************** for any further questions or concerns. 

• Initial Complaint

  Date:05/21/2025

  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.

  I took out a loan to help with debt due to medical/dental, and nursing home bills for my mom. It was to consist of 24 payments ending on April 2025. Then I was told that it would not end until June. Apparently one of the payments did not go through (which only accounts for one month). This occurred last April. I was never notified. If I was I would have transferred money from another account, bank etc and this would have been over. The additional month on top of that, I was told was due to interest as this happened over a year ago. When I was referred to an upper level person, she claimed that this extra time, the second month was because I had requested a deferral, which makes no sense. I have never requested any deferral. That is so contrary to my goal. I wanted this loan paid off as soon as possible since I needed this money for other bills. I had to pay $1,486.53 for each month. With this situation, which gave me 2 additional months would cost me almost $3,000 Dollars. I don't think this is fair. I was really looking forward to being done in April which was the case from day one. I found it to be irresponsible to not let the owner of the loan know when there was a problem with insufficient funds so it could be corrected if possible. The upper level employees that I talked to refused to believe that I did not request this deferral, blaming everything on me and insinuating that I was not telling the truth, which I found very offensive and unprofessional.

  

  Business Response

  Date: 06/10/2025

  Thank you for the opportunity to respond to ******************* BBB concern. Review of the account shows Ms. ******** had a payment due on April ****** that was returned due to insufficient funds and was not satisfied until May 6, 2024.  This caused an additional 30 days of interest to accrue. On April 9, 2024, and April 12, 2024, notices were sent to Ms. ******** to advise that the payment was returned and to contact Achieve.  Attempts were also made to contact Ms. ******** numerous times by email, mail, and phone to advise of the past due status of the account.
  On May 10, 2024, Ms. ******** stated she was going through a hardship and was unable to make the past due May 6, 2024, payment. Ms. ******** was offered and accepted a one-month deferral of the May payment after being advised of the accruing interest. 
  These two factors contributed to the extended maturity date of June 21, 2025, on the loan.  We encourage Ms. ******** to reach out to Achieve *************** with any further questions or concerns.

• Initial Complaint

  Date:05/17/2025

  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 writing to formally dispute an unauthorized account appearing on my credit report that I did not open or authorize. This fraudulent account is negatively impacting my credit score and financial reputation.The unauthorized account details are as follows:ACHIEVE PERSONAL LOANS Date reported: 12/1/2020 Account Number (partially masked): ***********I request immediate and permanent removal of this negative information from my credit report, as this account is fraudulent and was not opened or authorized by me. I have taken necessary steps to protect my identity and expect this matter to be resolved promptly to prevent further damage.Please acknowledge receipt of this complaint and provide confirmation once this entry has been removed.

  

  Business Response

  Date: 05/29/2025

  Thank you for the opportunity to respond to Mr. ***** BBB concern. Our records show that the member accepted the terms of the loan on December 3, 2025. After conducting a thorough review of the account to assess for potential fraud, we determined that the account is not fraudulent and found no errors. This review was completed and finalized on May 29, 2025, after verifying the members demographic information, pay stub records, banking details, and creditor accounts. Please note that the loan has since been sold, and we encourage Mr. **** to contact the current loan holder for any further questions or inquiries regarding the account.

  
  New Company information
  CKS Financial
  ******* 2856
  Chesapeake, VA 23327
  **************

• Initial Complaint

  Date:05/15/2025

  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 never done, do not currently, nor will I ever do business with this company. Yet this company continues to harass me by calling repeatedly. They have called me 15 times in the last 30 days, calling from different numbers despite repeated blocking.

  

  Business Response

  Date: 05/29/2025

  Thank you for the opportunity to respond to Ms. ******* concern submitted through the Better Business Bureau. Our records indicate that Ms. ****** submitted an application for an Achieve Personal Loan on February 25, 2025. The application remained in a pending status, as additional contact was necessary to proceed. As part of our standard process, we attempted to reach out to determine her continued interest in the loan. We sincerely apologize for any inconvenience these contact attempts may have caused. In response to her concern, we have updated her contact preferences to reflect a "Do Not Call" status. Should Ms. ****** wish to move forward with her loan application in the future, we would be happy to assist her further.

  Customer Answer

  Date: 06/04/2025

  Hello,

  I absolutely did not apply for any loan with, or do any business with this company in any capacity. To resolve this, this company must also remove any and all personal information of mine (regardless of the method it was obtained)  that exists within their database and cease all communications of any form.

  Thank you. 

  

  Business Response

  Date: 06/16/2025

  Thank you for the opportunity to respond to Ms. ******** rebuttal. We appreciate her concerns regarding the personal loan application that was submitted. Please be assured that no further contact will be made with Ms. ****** regarding this application. However, in accordance with compliance laws, we are required to retain the application on file and are unable to delete it.  The application will not be shared within Achieve or with any outside entity.

• Initial Complaint

  Date:05/14/2025

  Type:Billing 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.

  My husband and I took out a ***** loan in April 2024 through Achieve Loans, which was then transferred to Achieve, serviced by ***********. On May 8th. 2025 We received an email with instructions to access our new mortgage account online but the system would not recognize our loan number when we called achieve we were told to wait for a physical mail from *********** the welcome email and subsequent letter both included debt collection language even though we have never missed a payment or been in default this is a new loan and our first payment is not yet due.After receiving the physical letter, we still cannot access our account online, and Shellpoint tells us that we would need to wait for a separate letter that they would generate (only because I called them - there was no instruction to do this) in order to gain access. This process is confusing and was never explained during our original loan setup. Additionally, the customer service representative (*******) was rude, dismissive, and provided conflicting information about our payment due date. We were also alarmed to receive blank checks in our names, which raises concerns about the security and legitimacy of the process.We feel misled and extremely anxious about the handling of our account and the repeated references to debt collection when we are not delinquent. We are requesting clear communication, immediate access to our account, correction of any inaccurate statements regarding our loan status, and assurance that our personal information and property are secure.

  

  Business Response

  Date: 05/29/2025

  Thank you for the opportunity to respond to Ms. ******* concern submitted through the Better Business Bureau. Upon review, we have confirmed that Ms. ******* HELOC loan has been transferred to ********** for servicing. As part of this transition, the loan account number has changed from ********** to **********. To access her account online,view loan information, or make payments, Ms. ****** will need to use the new Shellpoint account number. To support her during this transition, our Lendage team is proactively reaching out to assist her with setting up, questions and accessing her online account. We also encourage Ms. ****** to contact Achieve directly should she need any further assistance.

  Customer Answer

  Date: 05/30/2025

  Thank you for the response, but I must reject it as incomplete.
  
  While I appreciate the confirmation of our new loan number and the acknowledgment of the account transfer, the response fails to address several major concerns:
  
  1. No explanation has been given for the debt collection language included in the welcome communications, despite our loan being new and not in default.
  2. There has been no clarification or apology for the conflicting information and poor treatment we received from your representative, *******.
  3. Our concern regarding the unsolicited blank checks in our names a major security issue was ignored.
  
  We are requesting a full explanation and resolution of all the issues listed above. This includes:
  
  1. A written statement clarifying the reason for debt collection language on a current, non-delinquent loan;
  2. A formal apology and retraining assurance regarding customer service conduct;
  3. Clarification of the purpose of the blank checks and confirmation that our identity and property are secure;
  4. A clear, step-by-step explanation of what borrowers can expect during the transition from Achieve to Shellpoint.
  
  We remain extremely concerned and want full transparency and proactive support moving forward.
  

  

  Business Response

  Date: 06/04/2025

  Thank you for the opportunity to respond to Ms. ******* BBB rebuttal. We understand that a change in servicing can naturally lead to questions or concerns, and we remain committed to providing excellent service to Ms. ****** on her HELOC account.
  
  In response to the four concerns raised in her rebuttal, we offer the following clarifications:
  The language included in the welcome communication is required by regulatory guidelines.
  We apologize for any confusion experienced during the transition to the new Shellpoint account. We are reviewing the matter internally to determine if additional coaching or clarification is needed.
  The blank checks provided are a standard feature and serve as a primary method for borrowers to make future draws. We want to reassure Ms. ****** that her identity and personal information remain secure.
  The transfer of Ms. ******* loan to ********** is now complete. She can access and manage her account by visiting ***********************************************.
  
  We also encourage Ms. ****** to contact Achieve directly should she require any further assistance or have additional questions.

  Customer Answer

  Date: 06/08/2025

  
  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.  Thank you for your assistance. 
  
  Regards,
  
  ****** ******
  
   
  

• Initial Complaint

  Date:05/05/2025

  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 writing to formally dispute the account referenced under account number ********* that appears on my credit report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with ACHIEVEPL Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within *************************************************** documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.Please confirm receipt of this letter and notify me of the next steps to resolve this matter.

  

  Business Response

  Date: 05/23/2025

  Thank you for the opportunity to respond to Mr. ******* BBB concern. Our records indicate that the member agreed to the terms of the loan on September 20, 2022, and subsequently consented to a settlement and authorized collaboration with the creditor agency. Following a thorough review of the account for potential fraud, it was determined to be non-fraudulent, with no errors identified. This determination was finalized on April 10, 2025, after verifying the member's demographic information, banking details, and creditor accounts. For his records, a copy of the contract was mailed to the member on May 23, 2025. We encourage Mr. ************** contact Achieve directly should he have any further questions or require additional assistance.
  
  

• Initial Complaint

  Date:04/11/2025

  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 signed up for a credit card debt relief program called freedom debt relief(FDR). I would pay them monthly and they would help with my credit card debt. After a few weeks they referred me to their partner company Achieve Loans so I could instead get a personal debt consolidation loan from them. Because I had originally wanted a debt consolidation loan in the first place, (but no one would give me a loan since my credit score was so bad) I agreed. FDR gave achieve my bank info and they automatically started taking their monthly payments from my account after I signed for the loan. Since then despite having had this loan for months I have only been able to log in to the online achieve loan account maybe twice. I cant access ANY information about my loan because its all controlled through the website that I cant access. I cant make extra payments, change payment amounts, see how much I still owe, change my banking information, etc. I know I havent but if I DID pay my loan off I would have no way of knowing, and achieve could theoretically keep charging me monthly and Id have no way of knowing or stopping it. And if I close my bank account? The loan would go into delinquency because I cant give them new bank info. If I want to make an extra payment to pay off the loan faster (and save money on interest) cant do that either. So this is costing me money! I have called multiple times and talked to people who promised to follow up contact IT contact this person etc. nothing changes. The achieve support people I spoke to on the phone said theyd email me (never did) and theyd do something, but nothing changes. *** sent contact us messages on their website, Ive emailed, Ive left voicemails, NOTHING! Ive tryed resetting the password, using different browsers (chrome, ****** etc) Ive tried logging into the account at different locations (work, home, etc) on different wifis (work wifi, home wifi, public wifi etc) on 5g instead of wifi, nothing.

  

  Business Response

  Date: 05/01/2025

  Thank you for the opportunity to respond to the BBB complaint submitted by Ms. ***** ******* ******. ***************** ******s member dashboard was set up on February 22, 2024. She first contacted Achieve on March 4, 2024, regarding difficulty accessing her dashboard, and again on March 25, 2024, citing continued issues. In response, we submitted a dashboard access request to support her. Our records indicate that ****************** successfully accessed her dashboard on May 13, 2024.
  
  Upon receiving this BBB complaint, the Achieve technical support team confirmed that ******************s account is set up correctly and functioning as expected. On April *******, an Achieve representative reached out to Ms. ****** to address her concern.  Suggestions were provided so that Ms. ****** could access the dashboard.  Ms. ****** stated she would attempt these when she was available and call back if these attempts were unsuccessful. 
  
  We remain available to assist ****************** with any further concerns she may have.

  Customer Answer

  Date: 05/05/2025

  I reject this response. I contacted you more times then the dates you listed, I called, I sent messages on the website contact us form, I was told Id receive an email from the people I talked to on the phone (never did) I NEVER heard back from achieve on this matter until I submitted this BBB report. You didnt reach out to help me until I filled a BBB report. AND like I said I was able to log on the website twice, but havent been able to since, its been months! And your guy who called me was extraordinarily unhelpful. I did everything he told me to (clearing cache and cookies) but he kept saying the problem is my electronic device and not the system. But if it was my device then why was I able to log on to the website those two times in the past ON the electronic device?! He told me to use a different electronic device but I dont have a different electronic device to use. Are you really suggesting I need to buy a NEW phone or computer to login to my loan website?! Also the guy I spoke with from achieve said I should go to a tech support place and ask them for help, but I repeatedly asked him what it is he thinks is wrong with my electronic device that is causing the login error, he wouldnt give me a straight answer. So what am I supposed to go tell the vague tech people he wants me to go see? Why is he certain the problem is on my end if he cant tell me what the issue is? The guy on the phone was condescending and the fact that they never once reacted out to be till I filed this complaint makes me think they were perfectly fine with me not having access to the loan account and had no intention of doing anything about this problem till I filed a BBB complaint. AND THEY STILL HAVENT FIXED THE ISSUE?! So I STILL cant access my account. 

  

  Business Response

  Date: 05/14/2025

  Achieves Member Solutions Team reached out to the member to troubleshoot the issue related to dashboard access. Achieves technical support team has confirmed that the dashboard is correctly configured. However, it appears that the members personal browser settings may be interfering with access. As a workaround, we recommend that the member try accessing the dashboard using a different computer or by clearing the browsers cache and cookies.
  We remain available to assist ****************** with any further concerns she may have.

  Customer Answer

  Date: 05/23/2025

  I do not accept this response for several reasons. (1) the biggest reason being I STILL can not access my account (2) the response they send is exactly the same as the last one, they said the exact same things they already did (changing nothing) and I already explained why that response is insufficient but I will explain it again. I did as they said, tried multiple browsers (safari, ******* chrome) I still couldnt log on. I cleared my cookies cache like they said and it STILL didn't work. I don't own another electronic device and even if I did that is not solution to why I cant log in on my phone. Twice in the past I was able, and never since. So clearly the issue IS NOT THE PHONE! (3) they say they remain available to assist ****************** with any further concerns she may have but thats not true. I reached out about this issue so many times only to hear nothing back until I filled this complaint. And even when they called me for the first time regard this issues (AFTER I issued this complaint) I was told on the phone they would do a 3-way call between the *** calling me and it support (which never happened) and even after following all their instructions (trying multiple browsers, clearing my cookies cache) they said there was nothing they could do and gave up on me. They arent interested in helping me anymore. (4) my last name is spelt *******-*******, with an e on the end. In there message they spelt my name wrong multiple times. I doubt they about me and my issue (like they claim to) if they cant even be bothered to spell my name right. Maybe that is why I cant login? Cause my name is wrong in their system?! 
  In conclusion this company is trying to pass the blame on to me when the problem is still their issue. Their behavior has been horrible and they are trying to blame me rather then do any actual work to fix the problem 

• 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.

  Freedom (Crossroads FDR) contacted me by phone and offered to consolidate my bills and contact my account holders to settle for lower payments and renegotiate lowering my accounts balances. I accepted this offer. They already had a listing of all my accounts that I currently owed and the amounts that was due monthly on each account, I supplied them with my bank account information for them to subtract payments to pay my creditors the negotiated lowered monthly payments from my account .Just recently I found out from my banking institution( after inquiring about my current credit report) that this company was not paying my creditors as they had promised but were withdrawing monthly payments from my account (not providing services as required)

  

  Business Response

  Date: 05/02/2025

  Thank you for the opportunity to respond to ****** ******** concerns. We attempted to contact ****** by phone, to discuss this matter directly. Freedom Debt Relief will continue it's efforts to conact ****** to ensure this matter is addressed. We encourage ****** to reach back out to their point of contact.

• Initial Complaint

  Date:03/22/2025

  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.

  To Whom it may concern: I am disputing an invalid account reported by LendingPoint on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FRA). Since it does not meet legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper verification, it must be deleted per federal law. Thank you.Palamechia

  Customer Answer

  Date: 04/05/2025

  To Whom it may concern:
  
  I am disputing an invalid account reported by ********************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FRA). Since it does not meet legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper verification, it must be deleted per federal law.
  I further authorized and agreed to the submission of this complaint and that you are requesting assistance from BBB

  
  I am concerned about the charges they have alleged that I owe and would like to see original documentation that I personally took out a loan from them.
  

  Thank you.
  Palamechia ********

  

  Business Response

  Date: 05/02/2025

   Thank you for the opportunity to respond to the BBB complaint submitted by Palamechia *********************** shows, Ms. ******** opened a loan with Freedom Plus on September *******. Communication was sent to all members in December of 2022 advising of the company name change to Achieve. Ms. ******** made contractual payments on the loan as agreed until November 2, 2024.  Because payments ceased, the loan has been charged off and sold to *********************** due to the non-payment.
  
  A fraud review was completed on April 30, 2025, deeming the loan as non-fraudulent.  The loan has reported accurately to the credit reporting agencies. As requested by Ms. ******** a copy of the loan agreement has been sent to the address provided on the BBB complaint which is the same address Ms. ******** has on file with Achieve.  We encourage Ms. ******** to contact Huntington Debt Holding at ************ with any further questions.