Nathaniel T.
Lack of Support and Accountability Causing Credit Harm
I recently held a loan with this company and maintained a 100% on-time payment history throughout the life of the loan. I typically conduct my banking through USAA; however, in this instance, I used Achieve. I made 27 out of 60 payments on time, all through autopay, without a single missed or late payment. Due to the high interest rate, I chose to pay down the loan early and made a lump-sum payment of over $8,000. After this payment, the mobile application clearly reflected a zero balance, leading me to believe the loan was fully satisfied. While I was on vacation for approximately three weeks, I later received a notice implying that a remaining balance of just over $1,000 still existed. Despite the account previously showing a zero balance, the company reported my 28th payment as 34 days late, even though the alleged balance was never clearly communicated and contradicted what was shown in your system. This single late report caused significant and unwarranted damage to my credit. In total, I paid the company approximately $47,000, always on time, and acted in good faith by making an early payoff specifically to avoid further interest. I have never been late on any payment prior to this incident. Being told now that “there is nothing that can be done” is both unacceptable and inconsistent with true customer service. I am a transparent and responsible borrower. This situation appears to be the result of internal miscommunication or system error, yet I am the one bearing the consequences. Customers are expected to be flexible and understanding, but when support is needed in return, assistance is not provided. Based on this experience, I would not recommend this company and will not conduct business with them again.