To Whomever This May ********* have been made aware that Achieve Loans continues to violate my consumer rights excessively. It needs to be removed as previously promised through Freedom Financial. After the company changed its name the charge off was added to my credit report once again under the new company's name who I have never conducted business with. From the complaint through Transunion it was finally removed as they had promised to do so for almost a year. After a few months they had not made any changes so I filed a complaint through Transunion. I called them three other times and they promised the same thing, that they would removed the charge off because the account was payed off as agreed. I called them directly and they accepted that they had received payment and that they would remove the charge off. I finished paying it off but was given a charge off on my credit report. I sought help from a credit repair agency that made a deal with freedom financial that I would finish paying it off and make payments through them. I applied for a loan with Freedom Financial and fell behind on a few payments. We would like compensation in the form of a reduction in origination fees since origination did not happen in the committed time frame. We are now at risk of loosing out on the purchase (private seller) which was the reason for the loan and have incurred additional direct costs in rescheduling travel. We had made travel arraignment to pick up our purchase (boat) for 6/14 understanding that funds would be available. I mentioned that we had selected this loan over another even though there were less favorable terms because of the timing of funding. I asked to speak to a manager and was returned with silence. The only response I received was the same statement over and over which was that I would fund in 1-3 business days from the 13th. I asked if we could cancel the loan since it would not fund in time. I also explained that we had only accepted the loan with the understanding that we would have funds available by 6/14. I explained that was 2 business days after the contractual date of the loan. I was informed that my loan was not approved until 6/13 because they do not work on weekends. The support agent did not seem to understand how days of the week work. About 11:00 on 6/14 I contacted achieve after being instructed by loan officer to contact support. We had planned to make a major purchase on 6/14 and agreed to the loan with the understanding we would have funds available on 6/14 at the latest. I was told the loan would fund within 1-3 business days. I completed paperwork for my Achieve Loan on June 9 at approx 12:30 PT.
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