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:07/24/2025

  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.

  In October of 2024 I agreed to debt consolidation through Alleviate Financial. I was told that if I made payments for six months they would settle my debt using those funds at first and after six months I would be given a loan at that time I was told the loan would cover all of the settlements and payments would be consolidated in the one loan and that I could expect 5% interest rate and payments would be around 450$/ month for a ball park loan of ******. The loan i got is at 23% interest and Payment is around 671$/month. However in June I received notice of a settlement with ******************* and **************. These were the last two accounts needing to be settled I gave my approval and now in July I am being told that my loan would not cover the New amount Security First was asking for because Alleviate had been late on paying it. They want me to finance the difference of Approx ******** over six months with interest, ************** settlement was never paid because there was not enough money in my loan balance to cover it and they now want me to pay ****** per month for six months to make up for a settlement of *******. My complaint is I was mislead that all debts would be consolidated into one loan with a much lower payment Then what these now three loans would cost me. I would be paying over 1,000$ per month with the proposed Alleviate payment plans. I did not get correct information when agreeing to these settlements and a month later after I thought I was finished I am being asked to pay more. I am a senior citizen and was trying to do this so I could retire but now I am paying almost as much as i would have a month as if I hadn't settled plus now my credit has been impacted and will be impacted even longer. I feel like I was scammed. In addition I was required to sign up for a legal plan and told I would not be charged for it. I was charged and as far as I know none of my creditors filed any legal actions and I would have used my own legal plan if nee

  

  Business Response

  Date: 07/24/2025

  Dear ******,
  
  Thank you for reaching out and sharing your concerns with us.
  
  Were truly sorry to hear about your disappointment, and we want you to know that your feedback is important to us. We understand how frustrating this situation must feel and genuinely appreciate your transparency in bringing it to our attention.
  
  A member of our Management Team has been assigned to your case and will be reaching out to you directly to ensure your concerns are fully addressed.
  
  Regarding the loan, while we assist in connecting clients with potential lending options, we are not the lender and do not have control over their underwriting decisions, including interest rates. We understand this may not have aligned with your expectations and regret any confusion or frustration it may have caused.
  
  As for legal services, while they are optional, they were included in your monthly program payment and not charged as an additional fee. The plan is designed to provide support in the event that an account enters legal status. We understand youre not currently utilizing or paying for these services, but were happy to discuss this further.
  
  Concerning the recent settlement offer, the offer returned higher than initially projected, which explains the difference from what was estimated at the time of your loan. We understand your frustration and request for renegotiation. Our team will be in touch soon to go over everything in more detail.
  
  Thank you again for giving us the opportunity to help.

• Initial Complaint

  Date:07/21/2025

  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 hired Alleviate Financial Solutions in good faith, trusting their promises to help consolidate my ~$2,000 credit card debt during a time when my financial situation was tight. What I received instead was one of the most misleading, damaging, and disappointing experiences Ive ever had with a company.When I first reached out, I spoke to a representative named ******* *****. I made it absolutely clear that I would only move forward if:- There were no hidden fees - The program would not negatively affect my credit score - I could pay off the full balance early with no penalties Every single one turned out to be a ********'s what actually happened:- Seven months in, they still hadnt settled one of my two accounts. I was told I couldnt, because they had not done their job and hadnt settled the debt.- The account they did settle caused my credit score to plummet from 740 to 520. I now have late payments reported on my credit, which destroyed my ability to get approved for any loans (auto, home, or otherwise). When I reached out about this, they denied ever saying the program wouldn't affect my credit.- Their claim of "no hidden fees" is entirely false. When I canceled, they charged me hundreds in: Sentry fees, Performance fees, Disbursement fees, and additional vague charges they labeled as a forth fee. These were never disclosed upfront.Worst of all?When I escalated this to their management team, they essentially told me everything I was promised was not guaranteed and refused to acknowledge any wrongdoing by their rep. **** didnt offer to fix anything instead, they offered to waive $500 in fees if I signed a legal agreement promising not to leave negative reviews online.Their positive reviews are not to be trusted many are paid for, and many others are silenced. I hope this review reaches anyone considering working with them before it's too late. You deserve transparency. You deserve integrity. This company offers neither.

  

  Business Response

  Date: 07/21/2025

  Per your request, the $1,485.45 balance in your dedicated savings account will be returned to you. Please note that our same-day processing cutoff is 11:00am PST. As your request was received after that time, the refund will be scheduled tomorrow for disbursement the following business day. Well send confirmation once it has been submitted.
  
  
  I understand your frustration and am truly sorry the experience did not meet your expectations. I do want to take a moment to highlight that the agreement you signed includes the following disclosures, located on the first page after the cover:
  
  
  (A) There is no guarantee that any particular debt or all of the consumers enrolled debts will be reduced, eliminated, or otherwise settled.
  
  
  (B) The deposits made pursuant to the contract will not be distributed to the creditor until a settlement is obtained. This may take months to achieve.
  
  
  (C.iv) The consumers credit score or credit rating may be negatively impacted.
  
  
  (E) Specific results cannot be predicted or guaranteed, and the debt settlement provider cannot require a creditor to negotiate or settle a debt.
  
  
  (G) Debt settlement services may not be suitable for all individuals.
  
  
  These disclosures are standard across the industry and are intended to provide transparency about the potential outcomes and limitations of debt settlement programs. If you would like to review your signed agreement, you can log in to your client dashboard at ************************************.  (Document section).

• Initial Complaint

  Date:07/07/2025

  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.

  Entered program with Alliviate solutions around 14 months ago, said they would negotiate with my creditors within 4to6months, Ive invested around $6,500 dollars so far and they still havent negotiated with at least four creditors and have only paid less than $500 to ones they have negotiated with! On my dashboard they say I only have $1,685 in my account where did around$4,000 go?

  

  Business Response

  Date: 07/07/2025

  Dear ******, 
   
  Thank you for reaching out. 
   
  We understand youre seeking clarification regarding the funds youve deposited into your dedicated savings account, and we truly appreciate the opportunity to assist. A member of our management team has been assigned to your case and will be following up with you directly. 
   
  Over the past 12 months, our team has successfully negotiated and obtained settlements for five of your enrolled accounts, with three remaining. While the first settlement typically occurs within the first 4 to 6 months, your estimated program term is 48 months, allowing time for funds to accrue and additional settlements to be reached. We regret any frustration and are always open to discussing ways to accelerate your progress. 
   
  The funds distributed from your dedicated account have gone toward active settlement payments, program fees, and savings balance. We look forward to reviewing everything with you in more detail shortly. 

• Initial Complaint

  Date:07/03/2025

  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.

  Fraudulent company stole money from me under the guise they were negotiating my debt settlements. My settlements were never touched and all my payment distributions are gone. Scam artists

  

  Business Response

  Date: 07/03/2025

  Dear *******,

  Thank you for reaching out. Were truly sorry to hear that youre feeling this way and want to provide some clarity on your program. 
  

  You enrolled in an estimated 43-month program in April 2024. During your time with us, we successfully negotiated and secured two settlements on your behalf, with an average reduction of 46% from the original balances. You authorized both settlements, and payments toward them began as scheduled. In accordance with our agreement, our service fees became applicable after the first settlement payment was made. 
  

  When you let us know in January 2025 that you were facing an additional hardship, we offered to move some payments around to help you through that time. We also explained that this could put your settlements at risk, and you agreed to proceed with the payment modifications. Unfortunately, without continued funding, the settlements were voided. 
  

  All funds deposited into your dedicated account were applied toward your settlement payments and program fees, leaving no remaining balance. 
  

  Our Managment team did try to reach out to go over this with you, but we understand youve requested no further contact. If you ever wish to revisit this conversation, were here and ready to help. 

• Initial Complaint

  Date:06/24/2025

  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 signed on with Alleviate Financial Solutions for debt relief back in 11/24. The worker, *******, there just hung up on me after I told him he was being recorded and I was reporting him to the BBB after calling them out on purposefully dodging clients via email for their funds reimbursement and clarity. He asked why I would need to speak to his boss and why report them to the BBB then once I told him I saw through the company he hung up promptly. Since signing on, this company has gone out of their way to be vague, misleading and flat out illegal in their methods of signing on clients then leaving them high and dry without any way to get ahold of them. I deposited up to $450 to start my program with them then never heard from them again on what I needed. I reached out in 12/24 to deny my second withdraw due to dental surgery. They never responded after numerous attempts so I turned off Autopay. They respond only on the phone (never email) at the most random late time at night and when I tried calling them back they never answered or responded. I then sent a request to their partner bank, *****, to return my funds. ***** denied it and said I had to ask Alleviate why Alleviate denied it. I reached out many times via email to both parties over the phone and email and no one replied. Finally, 6 months later and after I closed my bank account, they told me they were closing my account and sending me a paper check of my leftover amount. I told them to stop the check because I do not live at the address anymore. They NEVER got back to me. I was able to speak with Forth to get a ACH transfer and waive the $20 fee. I then saw that I was only getting back $198 after FINALLY getting ahold of Alleviate they said this was all of the "fees" taken out from Dec - June. Meaning they have ignored me this entire time and yet were taking funds out of my account for custodial fees when I have been requesting this money back since December! They now refuse to honor the reversal charges.

  

  Business Response

  Date: 06/25/2025

  Dear ******,
  
  Thank you for taking the time to share your experience. We sincerely apologize for any frustration or disappointment this situation has caused.
  
  We understand your concerns and regret that our attempts to connect have not aligned. Weve also made several efforts to reach you and remain committed to resolving this matter.
  
  Regarding your recent interaction, weve reviewed the call in question and can confirm that the call was not disconnected by our agent. However, we understand how this may have felt and regret any confusion.
  
  Our primary method of communication is by phone, as it allows us to address account details in real time. That said, we are able to provide certain information via email upon request and approval.
  
  Please know that participation in our program is completely voluntary. Were here to help people in financial hardship find a path forward, and we truly regret if this was not the right fit for you.
  
  We understand youve requested additional funds as part of your refund. That request is being reviewed, and a member of our management team will be reaching out to follow up directly.

  Customer Answer

  Date: 07/01/2025

  Hi, I submitted a complaint with you (6/24/2025) regarding Alleviate Financial Solutions LLC last week (Complaint #********) and as soon as your company marked it as closed, the team at Alleviate stopped contact with me in regards to refunding my money. ****** *******, their manager *************) gave me her personal line and told me they reviewed the phone calls and complaint and would make it right by refunding me and she would reach out on Monday, 6/30. I never heard from ****** and even left her a voice message but still no word back. I request that you re-open this case and leave it open until the team at Alleviate make good on their word and actually refund me back the money I am owed.

  Desired Resolution:
  Refund

  

  Business Response

  Date: 07/01/2025

  Dear ******,
  
  We appreciate your continued communication and the opportunity to address your concerns. As previously noted, we were awaiting the return of all funds to your custodial account administrator in order to process your refund in a single transaction.
  
  Were pleased to confirm that the funds have now been returned, and your refund has been issued. You should receive it shortly. Our team will be following up with you directly to ensure the matter is fully resolved.
  
  Thank you again for your patience and understanding.

• Initial Complaint

  Date:06/21/2025

  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.

  Since March 31, 2025 I was in a debt resettlement program with Priority Plus, and the debt modification service was provided through Alleviate Financial Solutions. The issue I have is with Alleviate Financial Solutions. Since 6/16/25 I have severed my relationship with Alleviate and am seeking refund of all the funds placed in escrow. Funds I deposited in my escrow account total $1405.25. During these past three months Alleviate made only one payment to one of my creditors totaling $70. Thus of my deposits totaling $1405.25, remaining in my account is $1335.25. I formally requested full return of the $1335.25 on June 16, 2025. Alleviate took several days to return my call, and I have spoken with two senior officers who were unable to provide explanation regarding the following. Of the $1335.25 remaining, in ***** business days, Alleviate will only be returning to me $471.81. No explanation provided concerning why funds were reduced, nor why return is estimated to take ***** days. In fact, I have no security that any of the $1335.25 will be returned. I am a senior citizen and experiencing extreme financial distress. I had counted on using the funds from escrow to pay my rent due on the first of July. I will appreciate any resolution that may be achieved. Thank you.

  

  Business Response

  Date: 06/23/2025

  Dear *****,

  Thank you for taking the time to share your concerns. Were genuinely sorry to hear that this experience has been frustrating, and we appreciate the opportunity to provide more clarity and care.   
  

  While we can confirm that your previous discussions were with our account specialists rather than senior leadership, weve escalated your case and assigned a manager to follow up with you directly.  
  

  While you were enrolled, our team negotiated a settlement on your behalf at 52% of your original balance. You authorized the settlement, and payments were initiated as agreed. Per the terms of your signed agreement, our service fee for settling your debt becomes applicable once a settlement is authorized, and the first payment toward it is made. We truly believe we could have continued making progress had the program remained active.   
  

  Upon cancellation, any refundable funds are returned through your custodial account administrator. Because some of your funds had already been applied toward the settlement and program fees, the remaining balance reflects those allocations. We understand this may not align with your expectations, and we sincerely regret any inconvenience or stress this may have caused.

  Our management team reached out to you earlier but were advised there was not much to discuss. Please feel free to return our call if youd like to go over everything together. 

• Initial Complaint

  Date:06/14/2025

  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.

  Excessive money taken than what is contracted, misleading, constant lying.

  

  Business Response

  Date: 06/16/2025

  Dear *****,
  
  Thank you for taking the time to share your feedback. Were truly sorry to hear that your experience with our program has not met your expectations.
  
  We understand how frustrating it can be when things dont feel clear or aligned with what was anticipated. Please know that we take concerns like yours seriously and are committed to addressing them with care and transparency.
  
  To clarify, the funds deposited into your dedicated savings account are applied not only toward your settlement and service fees, but also to custodial account fees and legal service fees incurred prior to cancellation, as outlined in your agreement. These details are available for your review in your client portal.
  
  Weve assigned a member of our management team to review your account in detail and reach out to you directly. If we find that any adjustments are needed, we will take the appropriate steps to resolve it.
  
  We appreciate the opportunity to address your concerns and look forward to speaking with you soon.

• Initial Complaint

  Date:06/10/2025

  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 paid this company ******* in 5 months they paid one creditor ****** and never even contacted any other creditors. I was not even late on any payemnts when they had me do this and they refused repeatedly to return phone calls or emails from me when I repeatedly asked to speak to a manager, they dropped me from the program and just kept all my money... They are a scam company.

  

  Business Response

  Date: 06/11/2025

  Dear *****,
  
  Were sorry to hear youre feeling let down and want to thank you for allowing us the opportunity to address this. A member of our management team has been assigned to review your case and follow up with you directly.
  
  Our program is designed to provide structured support for individuals in financial hardship to resolve their debt over time. Early in your estimated 48-month program, our team secured a settlement on your behalf. The funds distributed into your dedicated savings account have gone toward that active settlement and associated program fees.
  
  Weve also initiated contact with some of your remaining creditors and are happy to review everything in more detail.
  
  Were here to help and look forward to speaking with you soon.

• Initial Complaint

  Date:06/04/2025

  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.

  Alleviate agreed to a settlement with me on 5/6/25 re Mercury 1st, which requested an extra 8 payments of $35 in addition to the 64 payments of $620.88 I agreed to under contract for 64 months to resolved $39k worth of debt. The Alleviate *** failed to relay that I agreed to the settlement and the offer allegedly expired. Time was of the essence as Portfolio ******************* had just served me with a lawsuit. Yesterday an older man named **** with authority to settle first said the offer expired, then he said the offer was withdrawn and then threatened me with property and payroll garnishments. He could have been the CEO. I reiterated that we has a binding settlement agreement and they needed to honor it. They have already pocket more that the $9,920.75 agreed upon success fee and only 4 of the 9 accounts have settlement agreements.

  

  Business Response

  Date: 06/05/2025

  Dear ******,
  
  Thank you for taking the time to share your experience.
  
  Were truly sorry to hear about your disappointment and want you to know we take your concerns very seriously. We understand youve spoken with our ************************* and will be looking into this further. A member of our management team has been assigned to your case and will be following up with you directly.
  
  While we have not charged the full amount referenced in your review of service fees, weve only applied service fees for settlements secured on your behalf, in accordance with your agreement. Were happy to review this further and sincerely appreciate the opportunity to assist.

• Initial Complaint

  Date:05/29/2025

  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.

  This debt resolution firm was supposed to get settlements and get my debts settled, addressing legal issues if they occurred. I made my payments and they left one account open and unsettled until it went to litigation, and now they are telling me that they want me to pay an additional amount above the initially agreed monthly payment to settle. I feel like this was a bait and switch and they are trying to extract more money for something that I believe I paid for. My account information even shows that I've made all of the payments but they are asking for more.

  

  Business Response

  Date: 05/30/2025

  Dear *******,
  
  Thank you for taking the time to share your concerns.
  
  We value your feedback and appreciate the opportunity to provide clarification.
  
  Your program term was structured with an estimated 28- month timeline based on our goal of settling all enrolled accounts near the 52% target. As with any negotiation, outcomes can vary based on creditor participation and other factors. In your case, some settlements occurred at higher percentages.
  
  Funds distributed throughout your enrollment supported these existing settlements and applicable fees, which impacted the remaining balance available for your final account. We understand that this may be frustrating and assure you that our team remains committed to helping you resolve your final account as efficiently as possible.
  
  A member of our management team will be in touch to explore all possible paths forward.