Achieve Today LLC

***, There is an agreement in place that you had agreed toThere is a time stamp and an IP address that confirms you agreed to the terms and services of this programYou are correct, you could not afford the coaching program up front and this is why you were financed and received a loanYou actually stated that this loan was a better option for you financially and a great option for you to actually take advantage of our coachingThis way, you did not have to pay the full cost up front, but over months, at a monthly feeYou have been delinquent with this loan and this is why you are now expressing the dissatisfaction that you claim you had with the coaching programNot once have you called into our organization to express any dissatisfaction about the coachingThe only time you have done so, is now, and that is because you were placed into collectionsAgain, based on what has transpired and the agreements in place, there will be no cancellation of the contract or the loan that you are delinquent withThe collection efforts will continue and the delinquent balance will need to be paid in full to remedy this situationThe agreement is specific of the commitments that you need to keep within the month program and you did not do your partServices were available to you, unfortunately you did not take advantage of those servicesEven though you did not do you part, we have costs that were incurred because they were in fact, available to youThe bulk, 85% of your investment (And not completely paid for), was allocated to the one on one sessions that you received and were provided to youThere will be no cancellation or refundThat balance will need to be paid in full to the financial institutionIf you pay that balance off in full, I can certainly assist you with your request to remove any negative reporting to your credit scoreUntil that balance is paid in full there will be no discussion regarding that specific requestFurthermore, if that account is paid in full, we would be more than happy to continue to work with you if you'd likeThat means we would extend your services at no cost even though we do not have to, we wouldYou can decide to use them or not, but those will be your options at this point in timeI encourage you to reach out to us or the financial company to pay your past due and at which point, we can discuss your options moving forward even moreAlso, you can access your contract onlineYou can see what exactly it was that you agreed to and the commitments that you said you'd keep, not only with your efforts during the program, which would have helped you see more results, but the loan that you received needed to paid for the services that were rendered and available to you

***, you enrolled with us on 2/21/for a month coaching program in the amount of $2,dollarsOf that, $2,dollars was financed and you agreed to, and have an agreement/contract, to pay that loan back regarding the terms of that financial loan and contract for $2,dollars with Achieve Today Services were rendered and there are time stamps of the initial four coaching sessions that you received from us as well as continued coaching and multiple resources that were available to you as to datePart of the agreement talks about your commitments to the program, as well as ours However, you fell short of your commitments and you did not do your part to receive the fullest value of the coaching programAll resources and services were available to you, unfortunately, you did not utilize them as we described to you from the very beginning of your enrollment You have been placed under collections and those collection efforts will continue until your bring your account currentThere will be no refund or cancellation regarding the initial financial obligation that you have agreed tooAlso, there will be no refund pertaining to your initial cash investment of $dollars You fail to mention within this complaint ***, that you did in fact use services and that you also did not follow through with your end of the agreement Again, there will be no refund or cancellation of the financial loan that you contractually entered intoThose collection efforts and the negative reporting will continue until you rectify the past due balance We would be more than happy to make sure that once that account is brought current with its past due amount of $ [redacted] that you can not only receive the continued value of the program, but that the negative reporting to your credit will stop and we are willing to even remove the past negative reporting that has affected your credit score Please reach out to us to rectify this past due balance based on the services that were rendered to you and the services that were available to you during your month programAgain, at that point we will be more than happy to provide some additional services to you that are outside of your month program to make sure that you do in fact gain the value that we promised on our end, but again, you will need to keep the commitment this time to see the results you initially were looking for

***, you enrolled into our month coaching program on
10/7/Upon enrollment we are very specific that you have months of
coachingYou are told, based on the program cost that you could afford,
$2,550, that there were two phases of the coachingPhase and Phase Your
initial
phase is where you have those one-on-one coaching sessionsIn your
specific case, that was coaching sessionsAfter those sessions are complete
you then have coaching through the Coaching Support Team for the remainder of
the monthsAgain, this is very specific within your agreement but more
importantly, based on call recordings I reviewed, these facts were outlined to
you during all enrollment calls
You have not once used the resources through the Coaching
Support Team based on all system notes and time stamps we keep with your
student account records
Our Student Care department spoke to you on 1/4/as we
provided you the login information to your learning platform (website)Your
program was through Personal Development and all PD material is up to dateThe
specific website we had you login to, has new written courses and material each
weekThese are not out datedThere was an older website that you also had
access to which had different program courses available to you if you had
decided to actually use those materials, but those were not the materials that
were specific to your Personal Development course that you purchasedThey were
just there in the event you wanted supplemental material for other
opportunities you may be interested
When you enrolled into our program you were unable to make
the payment in fullSo, you were financedThis way you could pay for the
coaching on a monthly basisI am not sure why you would state that we do not
offer this option since it is the very option you have for your coaching
program with us todayThis is a loan that you have and at this point in time I
see that you are delinquent with your payments with the bank
We are sorry that you feel you have not received value from
the coachingI can see why, and that is because you are not doing your part
based on the mutual agreement that we had with one anotherYou have not once
called in to the Coaching TeamYou have not attended any of our ten, hour
Group coaching calls that take place each weekNor are you actively using the
online website the way it is intended to be usedIf you were to use these
resources consistently and from week to week I am confident you would see the
value you were initially looking for and the program that we represented
correctly form the beginning
That being said, your program will not be cancelled and
there will be no refundAlso, that loan of $2,dollars still has a past due
balance that needs to be paid so you become currentIf that is not paid then
the bank will move forward with negative credit reporting and I would suggest
you avoid that by any means possible
Usually, I suspend accounts when a student’s financing is
past dueHowever, based on your recent frustration I will keep your account
active so you can start to use the program to its fullest now that it is very clear
to you what is exactly expected for you to see value with this programIf
there is no good faith attempt to bring your financial loan current in the
coming weeks then I will have no chose but to suspend your account until we
remedy that loan account
I encourage you to do all you can to maximize the program
resources at this time so you can gain the value the program has to offerI
suggest you call into our Coaching Team next week to start receiving coaching
calls and guidance to help you with your Personal Development goals

Complaint: ***
I am rejecting this response because:It is evident that Achieve Today has no qualms about lying, nor do they ever deny their predatory marketing schemes. May Achieve Today reap what they sow
Sincerely,
*** ***

Complaint: [redacted]
I am rejecting this response because:
There is absolutely no attempt at compromise or resolve of this matter on part of Achieve Today.The so-called "agreement" that Achieve Today claims we have made together, if, in fact, was actually "agreed to" on my part, would have been done so under absolute coercion by Achieve Today and during a state of my own diminished mental capacity due to severe depression-- which, I might add is how Achieve Today gains "clients": by using predatory tactics against people who are at their lowest point in life.If anyone were to listen to the recordings of conversations between myself and Achieve Today, they would surely agree that I "signed" this "contract" under duress. I told Achieve Today that I could not possibly afford the program on a bus driver's salary, to which they quickly responded: "That's only your limiting beliefs talking. If you simply believe that you can afford it, you CAN!"Furthermore, it was impossible to reach out to the coaches, as directed by Achieve Today, or the billing department for that matter-- getting only automated voice services. To say that I did not live up to my end of the agreement is a complete lie. I would love to see the time-stamped evidence of all my usage of said services, though I am willing to bet that it won't happen.This company is nothing more than a hyped up pyramid scheme (I soon started receiving emails stating that I should also become a coach for their company). I have no desire to ever associate myself with this company again, let alone ever continuing the "coaching program". I am so ashamed that I ever fell for this scam.Apparently, Achieve Today deems themselves worthy of payment for their successful defrauding of individuals trying to better themselves, therefore I am willing to call the matter closed if they close the collections account and have it wiped from my credit report. I will eat the $500+ dollars I already paid them and consider it a valuable lesson learned the hard way.Sincerely,
[redacted]

**, We are sorry to hear that you are frustrated with those valid monthly charges. You are inaccurate when stating " they tell you that you will be contacted before they make any charges to see if this is what you want to do. I wasn't contacted'. This is completely false. Upon your enrollment...

back on 9/26/2014 we explain that there is a renewal fee of $47.95 after 12 months and that you need to cancel that charge to avoid any future billings. The specific verbiage of the contract is as follows: "Automatic Membership Renewal Policy: To ensure you experience no interruption in your access to The Success Center site, we will begin billing $47.95 every month beginning 365 days from today for continued access to all the resources available through Success Center and the Coaching Support Line. In order to avoid being billed for continued access to these resources after your initial year of service has been completed, you must notify Student Care that you wish to discontinue your subscription. As a summary, your purchase includes the recurring charge described above. Recurring charge: $47.95; First Billing: 2015-September-26; Billing period: Monthly. You will be charged this monthly recurring amount to the credit card you provided." You called our billing department on 1/11/2016 and we informed you of this and also informed you that there will be no refunds since those are valid charges pertaining to our mutual agreement with one another. You had access to our services whether you took advantage of those or not. We staff accordingly and because you were active during that time frame, we occurred costs to fulfill and provide you services when/if needed.We will not be refunding any of those monthly charges and we have cancelled out all future charges/billings, so you will not be billed again based on your previous request.

[redacted], There is an agreement in place that you had agreed to. There is a time stamp and an IP address that confirms you agreed to the terms and services of this program. You are correct, you could not afford the coaching program up front and this is why you were financed and received a loan. You actually stated that this loan was a better option for you financially and a great option for you to actually take advantage of our coaching. This way, you did not have to pay the full cost up front, but over 12 months, at a monthly fee. You have been delinquent with this loan and this is why you are now expressing the dissatisfaction that you claim you had with the coaching program. Not once have you called into our organization to express any dissatisfaction about the coaching. The only time you have done so, is now, and that is because you were placed into collections. Again, based on what has transpired and the agreements in place, there will be no cancellation of the contract or the loan that you are delinquent with. The collection efforts will continue and the delinquent balance will need to be paid in full to remedy this situation. The agreement is specific of the commitments that you need to keep within the 12 month program and you did not do your part. Services were available to you, unfortunately you did not take advantage of those services. Even though you did not do you part, we have costs that were incurred because they were in fact, available to you. The bulk, 85% of your investment (And not completely paid for), was allocated to the one on one sessions that you received and were provided to you. There will be no cancellation or refund. That balance will need to be paid in full to the financial institution. If you pay that balance off in full, I can certainly assist you with your request to remove any negative reporting to your credit score. Until that balance is paid in full there will be no discussion regarding that specific request. Furthermore, if that account is paid in full, we would be more than happy to continue to work with you if you'd like. That means we would extend your services at no cost even though we do not have to, we would. You can decide to use them or not, but those will be your options at this point in time. I encourage you to reach out to us or the financial company to pay your past due and at which point, we can discuss your options moving forward even more. Also, you can access your contract online. You can see what exactly it was that you agreed to and the commitments that you said you'd keep, not only with your efforts during the program, which would have helped you see more results, but the loan that you received needed to paid for the services that were rendered and available to you.

[redacted], you enrolled with us on 2/21/2015 for a 12 month
coaching program in the amount of $2,550 dollars. Of that, $2,000 dollars was
financed and you agreed to, and have an agreement/contract, to pay that loan
back regarding the terms of that financial loan and contract for $2,000 dollars
with...

Achieve Today.
Services were rendered and there are time stamps of the
initial four coaching sessions that you received from us as well as continued
coaching and multiple resources that were available to you as to date. Part of
the agreement talks about your commitments to the program, as well as ours.
However, you fell short of your commitments and you did not do your part to receive
the fullest value of the coaching program. All resources and services were
available to you, unfortunately, you did not utilize them as we described to
you from the very beginning of your enrollment.
You have been placed under collections and those collection efforts
will continue until your bring your account current. There will be no refund or
cancellation regarding the initial financial obligation that you have agreed
too. Also, there will be no refund pertaining to your initial cash investment
of $550.00 dollars.
You fail to mention within this complaint [redacted], that you
did in fact use services and that you also did not follow through with your end
of the agreement.
Again, there will be no refund or cancellation of the
financial loan that you contractually entered into. Those collection efforts
and the negative reporting will continue until you rectify the past due
balance.
We would be more than happy to make sure that once that
account is brought current with its past due amount of $[redacted] that you can
not only receive the continued value of the program, but that the negative
reporting to your credit will stop and we are willing to even remove the past
negative reporting that has affected your credit score.
Please reach out to us to rectify this past due balance
based on the services that were rendered to you and the services that were
available to you during your 12 month program. Again, at that point we will be
more than happy to provide some additional services to you that are outside of
your 12 month program to make sure that you do in fact gain the value that we
promised on our end, but again, you will need to keep the commitment this time
to see the results you initially were looking for.