Complaints

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

close

Find a Location

Achieve has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  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:12/07/2023

  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 deeply concerned about the sharing of my nonpublic information with credit bureaus and the resulting inaccuracies on my credit report. This situation has caused significant financial and emotional distress.Under 15 USC **** Section 602, I have the right to financial privacy, and I expect my information to remain confidential.Furthermore, 15 USC **** Section 604(a)(2) states that a consumer reporting agency cannot furnish account information without my written instructions, which I have not provided.I have identified inaccuracies on my credit report from ACHIEVEPL, impacting my financial well-being. I request these inaccuracies be corrected promptly.Lastly, please remember 15 USC 1666(b), which prohibits treating payments on a credit card account as late under certain circumstances.For reference, my account details are as follows:Account Number: ***********I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws regarding my information.Failure to address these issues may compel further legal action. I anticipate your prompt response and resolution to these concerns.Thank you for your immediate attention to this matter.Sincerely,*******************

  

  Business Response

  Date: 12/13/2023

  Thank you for the opportunity to respond to ******************** BBB complaint. Upon completion of this review, the member agreed to the terms of the Achieve personal loan opened on July 22, 2021. ******************* satisfied the August and September 2021 ******** as agreed. The submitted October 22, 2021 payment draft was unsuccessful and remained unsatisfied until December 2, 2021 at which time a payoff payment was submitted. It was due to the unsatisfied October billing extending beyond 30 days delinquent which caused the impact to ******************* credit profile.  Achieve is required to report the loans activity to the credit agencies accurately. Currently no additional action is required to resolve this concern. We encourage the member to contact us with additional questions. 

• Initial Complaint

  Date:12/06/2023

  Type:Service or Repair 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.

  I made monthly payments to achieve for my credit debt. I made 6 payments on time for the ****** and I was told I can refinance. When I told them I lost one of my job I couldnt afford the amount anymore. The company told me they cant assist me I still have to make the payment. Im experiencing a hardship right now my mortage went up. I loss income and now I have to have the heat on. I thought Achieve was supposed to help me. They never my returned phone but they right there to take my money.

  

  Business Response

  Date: 12/13/2023

  Thank you for the opportunity to respond to ************* BBB complaint. Upon completion of this review the member was unable to obtain approval for the internal refinance option.  On December 6, 2023  ***************** was assisted in which a request for a temporary hardship modification review was submitted. The allowable time for a response from the modification team is 72 business hours once a request is submitted. We have attempted to reach the member to review the available assistance options but have not been able to make contact. We encourage ***************** to call us regarding this concern. 

  Customer Answer

  Date: 12/15/2023

  They didnt offer me a solution. ******** from achieve told me she will have me not make a payment for the month of November & December  andI can start make payments back in January.  I was not satisfied with that solution. Now that Im behind in my payments it going to take more than one month to catch up.

  Thank BBB for assisting me in this matter.

  *****************

   

   

   

  

  Business Response

  Date: 12/20/2023

  Thank you for the opportunity to respond to ************* BBB complaint rebuttal. On December 20, 2023 ************** spoke with a representative and agreed to processing the offered 2 month deferment due to the current hardship. Currently the members concern has been resolved. We encourage ***************** to call us with any ***************.

  Customer Answer

  Date: 12/22/2023

  
  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:11/29/2023

  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 deeply concerned about the unauthorized sharing of my nonpublic information with credit bureaus, resulting in inaccuracies on my credit report. This breach of privacy has caused immense financial and emotional distress. According to 15 USC **** Section 602, I have the unequivocal right to privacy regarding my personal information.Furthermore, 15 USC **** Section 604 A Section 2 explicitly prohibits consumer reporting agencies from furnishing any account without my explicit written instructions. It's imperative that you adhere to these regulations to safeguard consumer rights.Additionally, under 15 USC **** B, creditors are prohibited from treating any payment on a credit card account as late for any purpose. My account number ******* necessitates accurate reporting and fair treatment.I urge you to rectify these errors promptly, cease unauthorized information sharing, and ensure accurate reporting to alleviate the distress caused by these inaccuracies.

  

  Business Response

  Date: 12/19/2023

  Thank you for the opportunity to respond to ****************************Upon loan review , the loan funded on October 28,2019.
  Payments were made from December 2019 until December 2021. In 2022 payments ceased by the member, and collection attempts were made, but due to no payments being posted the account was closed and sold to Axiom Acquisition Ventures, LLC
  *************************************************************************
  *************
  Credit Bureau has been updated to reflect SOLD status. If *************************** has additional questions, we encourage her to reach out to member services.

• Initial Complaint

  Date:11/28/2023

  Type:Customer Service 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.

  I refinanced a personal loan with Achieve on 11/10, however, they failed to release the funds to my creditors within the ***** business days. My current loan is past due and Im accumulating interest and possibly a penalty fee will be assessed. I called on 11/22/2023 and spoke with ******* who said the funds will be released by 11/27, however, I received an email today advised the funds will be released in ***** business days. I spoke with ******* today 11/28/2023 and requested to escalate however they are refusing to process faster. I shouldnt be liable for the delay the company make me go through.

  

  Business Response

  Date: 12/01/2023

  Thank you for the opportunity to respond to ************************* BBB complaint. Upon completion of this review, there was a delay in the funding process. The member was advised of the delay in funding and was provided correct disbursement timeframes.However, the new loan was funded on November 28,2023. The members previous loan had a payment posted on December 1,2023 leaving the balance $13.40. We do encourage ************** to contact member services with additional questions.

  Customer Answer

  Date: 12/04/2023

  I reject the balance of ***** left and request Achieve to waive any interest applied on my account

  

  Business Response

  Date: 12/07/2023

  Thank you for the opportunity to respond to ************************* rebuttal. After further review of the loan Achieve Personal Loans did waive the remaining balance of $13.40 on December 4,2023. The member does show a zero balance. If the member has any additional questions or concerns, we encourage them to reach out to ****** Services for further assistance. 

  Customer Answer

  Date: 12/08/2023

  
  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:11/16/2023

  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 received a letter dated 11/10/2023 from APL denying a loan request. I've never applied for a loan with this company nor did I give permission to run a credit check. I'd like this to be revoked.

  

  Business Response

  Date: 12/01/2023

  Thank you for the opportunity to respond to ************************** BBB complaint. Upon completion of this review, Achieve works with certain marketing partners to connect potential borrowers with the opportunity to apply for an Achieve Personal Loan. Consumers shopping for loans will contact the marketing partner (e.g., Credit Karma,Lending Tree), provide information about themselves, and agree to permit that partner to conduct a soft pull of the consumers credit (which has no impact on the consumers credit score). After reviewing this information, the lender may decide to invite the consumer to apply for a loan. If a decision is made not to invite a consumer to apply for a Achieve Personal loan, an adverse action notice is sent. Achieve received an inquiry on behalf of ************************************* on 10/16/2023. Since only a soft pull was conducted, there is no hard inquiry to show on the consumers credit. We encourage ******************** to reach out to member services with any further questions at **************.

• Initial Complaint

  Date:11/16/2023

  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 am not liable for this debt with Achievepl. I do not have a contract with Achievepl. I do not know who they are.

  

  Business Response

  Date: 12/01/2023

  Thank you for the opportunity to respond to *********************** BBB complaint. Upon review of the account, the member signed a loan agreement with us and our original name of Freedom Plus on December 4, 2017. The member made their contractual payments on the loan until July 30, 2021, but due to the delinquent status of the loan, it was sold to CKS Financial in January of 2022. We changed our name to Achieve on December 2, 2022. Notifications of the name change were sent to active members on November 30, 2022. The loan no longer belonged to Achieve at the time of the name change and therefore no notifications were sent to the member. A fraud review was completed on November 30, 2023, and the loan was confirmed non-fraud. We encourage ****************** to reach out to member services with any further questions.

• Initial Complaint

  Date:11/08/2023

  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.

  They gave me a loan but I still have been unable to access my online account to see any statements or other financial information. I have called 3 times on this as well as contacted them through their chat feature and they have yet to rectify the issue. I have not heard any follow up from them after any of these beyond "we will get this fixed". They're very nice on the phone and appear to be helpful but ultimately do nothing, very shady for a company to deny access to statements when finances are involved.

  Customer Answer

  Date: 11/08/2023

  I am unable to access the dashboard to view statements, modify or pay my loan. It brings me to a broken screen and they have not fixed this despite saying they would over several months.

  

  Business Response

  Date: 11/14/2023

  Thank you for the opportunity to respond to ***** ONeils BBB complaint. Upon receipt of **************** BBB complaint,Achieve Personal Loans reached out to the member and all issues have been resolved since the member was able to successfully access their dashboard. If the member has any additional questions or concerns, we encourage them to reach out to ****** Services for further assistance. 

  Customer Answer

  Date: 11/14/2023

  The resolution makes it sound as if the issues in accessing the account were my fault and I suddenly figured it out. I would like the company to acknowledge that they failed miserably with customer service until I filed this complaint. I can now finally access the account since they finally fixed the issue after this complaint. Admit to your failures, don't try to use fancy wording to sound as if you were not at fault.

  

  Business Response

  Date: 12/01/2023

  Thank you for the opportunity to respond to ***** ONeills rebuttal. Upon receipt of **************** BBB complaint, Achieve Personal Loans reached out to the member and all issues have been resolved since we were able to update the members loan to the dashboard so that they were able to successfully login. If the member has any additional questions or concerns, we encourage them to reach out to ****** Services for further assistance. 

• Initial Complaint

  Date:10/31/2023

  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.

  Sent 2 letters dated Oct 13, 2023 and another Oct 20 that stated I applied thru CREDIT KARMA which I never did and have since delete the spam credit karmas account so now they will spam me more...I will *** them... also this company Achieve Personal loans ...I have never heard of them and am worried they will spam my credit ...they have multiple address and PO Box #'s so you knw there SPAM... I NEVER APPLIED and would never to a scum company...I use local banks....if I need loans. If I can file a law suit I want to *** them for 10million $$$$ let me knw what needs to be done thanks

  

  Business Response

  Date: 12/13/2023

  Thank you for the opportunity to respond to ********************After reviewing the application details, we received an inquiry on September 17,2023 from Credit Karma . There was a soft pull on the same day , September 17,2023 but no Hard pull credit check , which does not affect the applicants credit score and does not appear as an inquiry to others . If *********************** has additional questions, we encourage him to reach out to member services.

• Initial Complaint

  Date:10/19/2023

  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 not liable with this debt from Achieve Personal Loan accounts #APP1539 and #APP1539. They have not provided me with original contract as requested and I demand this account be deleted from my report immediately

  

  Business Response

  Date: 11/20/2023

  Thank you for the opportunity to respond to ********************** BBB complaint.  After review it was determined that this is a repeat request by a member claiming fraud on loans App-******* and App-******** both of which have been determined to be non-fraud.  It has been determined that we cannot substantiate members claims.  Achieve has responded, with validation, on previous occasions that both loans have been found to be non-fraud.  Contracts from both accounts have been mailed to member address on file.  It was determined that loans are valid and reported correctly.  We encourage **************** to reach out to member services for any further questions. 

• Initial Complaint

  Date:10/16/2023

  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 filed bankruptcy on 6/2/23 (bk case 23-00689) and received my chapter 7 discharge on 9/6/23. I have been trying to have my credit reports updated to reflect the Achieve Personal Unsecured Loan as Discharged through Bankruptcy Chapter 7. I notified Experian via a dispute on 9/3/23, 9/8/23 and 9/20/23 which has still failed to be updated correctly. I have also called the creditor numerous times and they are still failing to report correctly. Achieve stated they never received notification of the bankruptcy. Once they had the information I was informed back in September my report would be updated. It has now updated on 10/13/23 and the loan still reports as open with a balance due. Per my attorney even though I was only a co-signer and this loan was unsecured and discharged it should no longer be reporting as opened with a balanced owed on my reports. This is a violation of my discharge. I want this updated immediately. This loan was NEVER reaffirmed.

  

  Business Response

  Date: 11/20/2023

  Thank you for the opportunity to respond to ***************** BBB complaint. Upon receipt of ************** BBB complaint, Achieve Personal Loans reached out to ************ and all issues have been resolved. If ************ has any additional questions or concerns, she may reach out to Achieve s loan serving team at **************.