Complaints

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

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  Beyond Finance

  4370 La Jolla Village Dr Ste 920 San Diego, CA 92122-1277

  
• 

  Beyond Finance

  7322 Southwest Fwy Fl 14 Houston, TX 77074-2128

• 

  Beyond Finance

  333 W Wacker Dr Ste 1800 Chicago, IL 60606-1288

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:12/30/2024

  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.

  The name of the business Im having issues with is called Beyond Finance, LLC. I started working with them almost a year ago at this point. They have collected about $1,800 from me and said they are using it to settle my debt: it has not happened it has been many months and they havent settled any of my debts at all. I dont know I dont know what to do, they said it would take 4-6 months to start settling my debts but its been so much longer than that.

  

  Business Response

  Date: 01/07/2025

  Ms. ******************************** you for the opportunity to address your concerns.
  
  
  A thorough review of your program was completed as a result of the concerns you shared in your communication.
  
  
  Our records confirmed that you enrolled on May 20, 2024 with your first program deposit on June 1, 2024.  You elected to terminate on December 30, 2024, 6 months later.  You are provided with an estimated time frame of three to six months for your first resolution, however this is not a guarantee.  Beyond Finance was in active negotiations on your enrolled accounts and preparing to present you with your first offers.  
  
  
  We can confirm that your request to terminate was completed and the funds in your dedicated account were returned to you on January 3, 2025.  Should you have any further questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:12/28/2024

  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 decided to use a *******************, Beyond Finance. The sales *** told me that this company would make an offer to my two cards and negotiate that settlement for me. Within a month, they had come up with the settlement amount for each card. Within a couple of months one of the cards accepted the offer and payments began on that settlement. I called frequently to check on the remaining card and was give excuses for the lack of progress and assured that everything was under control and they were negotiating with this second card. That was not true and the second card was unaware that I was working on debt relief. After a year they ***orted me for non payment and wrote the debt off, resulting in a credit rating of poor (574). When I called Beyond Finance to ***ort this problem, I was told that I needed more funds to negotiate with the second card, because the funds were being used for the first card payments. Beyond Finance even offered to loan me more money to increase my funds, but their source turned me down. I am retired but have gone back to work part time to pay them and hopefully improve my credit rating. I hope to help others avoid being scammed by Beyond Finance.

  

  Business Response

  Date: 01/12/2025

  Ms. ***********, 
  
  
  Thank you for the opportunity to address your concerns.
  
  
  A thorough review of your program was conducted as a result of the issues you shared in your communication.
  
  
  At this time you are in one active arrangement on your **************** account.  You approved this offer on April 25, 2024 roughly five months into your elected forty eight month program.
  
  
  As covered both verbally and in writing during your enrollment interaction, Beyond Finance does not maintain monthly payments to your creditors.  This program is designed to care for all included debt throughout the lifetime of the enrollment, which in this case is forty eight months. This information can be located in paragraph 13. Disclaimer of your enrollment agreement.  It reads, in part, as follows:
  
  
  "The use of Companys debt resolution services will likely adversely affect Clients creditworthiness and may increase the outstanding balances of Clients enrolled accounts due to the accrual of fees and interest. The decision to stop paying creditors rests solely with the Client, and the client acknowledges and fully understands that the company will not be making the Clients scheduled monthly payments to their creditors."
  
  
  Beyond Finance has met all expectations as set forth regarding the servicing of your program.  Records reflect you have recently had the opportunity to speak with an agent about adding additional funds to help secure an arrangement on your remaining account.  Should you have any additional questions, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 01/12/2025

  My complaint was not concerning the **************** settlement, which was resolved quickly and I am in the process of paying the debt. The complaint concerned the *************** account which did not make any progress for a year. I contacted Beyond Finance many times to inquire about *************** and question the lack of progress.

  Meanwhile *************** did not hear from me (which I was advised to do) or Beyond Finance, so this debt was written off as unpaid which has resulted in a bad credit rating for me.

  Beyond Finance has advised me a year later that I need to deposit more funds in my account in order for negotiations to begin with **************** 

  My issue with this company is lack of communication with me and with ***************. I am not sure if *************** will reopen my account and negotiate a settlement and again, Beyond Finance cannot answer my concerns. 

  

  Business Response

  Date: 03/03/2025

  Ms. ***********, 
  
  
  Thank you for the continued opportunity to address your concerns.
  
  
  Our records reflect that your *************** account is in an active resolution.  We are hopeful this has addressed your concerns.
  
  
  Should you have any remaining questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:12/28/2024

  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.

  We canceled the program because like others, they were taking ******************************************************************************** fees. There was no real communication with beyond finance. And when we did reach someone, she was really ugly and the conversation was very misleading. I was Told i will Get a refund of ****** , so i checked my bank daily. After about 10 or so days, we call back and was told we will not be getting a refund bc of fees owed. This was not told to us over the phone when we called in to cancel. We were told we are due a refund!! I will Be getting my lawyer involved in this because no one can be on the same page and all of the money that was given to beyond finance by me, and they want to keep my ****** thats owed to me.. i am Being threatened by the other creditors for garnishment. And All beyond was doing was focusing on ONE account. I just Want my refund and be done with this. Highly DO NOT RECOMMEND BEYOND FINANCE!! Ive been with them for 7 months at 350 every two weeks and only one creditor was half **** being paid.

  

  Business Response

  Date: 01/10/2025

  Mr. *******, 
  
  
  Thank you for the opportunity to address your concerns. 
  
  
  A thorough review of your program was completed as it related to the issues you addressed in your communication.
  
  
  At the time of your requested termination you were seven months into your elected fifty five month program.  Within two months you received and approved your first resolution offer.  This offer was active at the time of your requested termination.  This progress is in alignment with the established expectations as reviewed at the time of your enrollment.
  
  
  Beyond Finance had earned the fee as it related to your approved authorization.  Review of your termination request confirmed that no guarantee of a refund was provided.  As a goodwill gesture we will be issuing a refund in the amount of $174.04 which is equivalent to that balance at the time of termination.  We are hopeful this will be a satisfactory resolution to your concerns.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:12/26/2024

  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.

  Company did not explain the debt consolidation completly to me. My major account with discover has not been addressed. Now they are harassing me with court proceedings. I had approximately 16 accounts that were in good standing at the time I signed up. Is there any way that I can cancel since things were not completely explained to me? How can I find a reputable company who can help me. I am a senior citizen who is struggling!

  

  Business Response

  Date: 01/02/2025

  Ms. ********************** you for the opportunity to address your concerns./
  
  
  A thorough review of your program was conducted as a result of the concerns you shared in your communication.
  
  
  We confirmed your enrollment into the program on December 9, 2024 and your first successful deposit on December 20, 2024.  During your enrollment interaction the agent clearly disclosed all aspects of the program to you, including the estimated time frame for your first offer of three to six months.  As of the date of this review, you have been enrolled in the program less than a month and only recently made your first deposit.
  
  
  We have scheduled to have an account manager reach out to you to discuss any questions or concerns that you have with the program and review your request to terminate.  We look forward to connecting with you soon.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:12/25/2024

  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 enrolled in Beyond Finance, a debt settlement company, with four different debts I unenrolled two of those debts and they were not settled by Beyond and hence I owed no fees on those disenrolled debts. However, Beyond is claiming to have settled a debt with *********** which is a lie. I spent hours on the phone with the credit card company and resolved the debt on my own. Several agents at Beyond have told me my debt was done and I owed no more. *********** doesn't even show up on my portal as a settled debt. Nonetheless, Beyond has without permission taken $307.36 from my account to pay fees for a debt they didn't settle. They are refusing to return my money to me and continue to lie and say they settled the debt and that I owe $591 in fees. I pay *********** directly after settling the debt privately. This is extortion at best and bad faith business practice. I need my money returned ****. Attached is a chat wit a representative from Beyond assuring me I owed nothing, however, another representative has perpetuated the lie. After making good faith payments my two debts were settled and paid in full and Beyond should return the money they took on Christmas ASAP.

  

  Business Response

  Date: 01/08/2025

  Mr. ******, 
  
  
  Thank you for the opportunity to address your concerns.
  
  
  A thorough review of your program was completed as it related to the concerns you shared in your communication.
  
  
  While the fees earned by Beyond Finance as it relates to your *********** account were done so appropriately, we have elected to move forward with your request for a refund.  We will be refunding your payment drafted on December 20, 2025 and waiving the remainder of the fee.  We are hopeful this will be a satisfactory resolution to your concerns.
  
  
  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 01/08/2025

  
  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:12/24/2024

  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.

  Signed with Beyond finance May 2024. One account that out of 8 is the only one addressed and being taken care of. I received 2 letters from a lawyer being taken to court over unpaid account, and third letters from an actual court summons. So now I have to go to court Jan 13 and will end up paying the account off. Intrest fees. Court fees and the attorney fees. Thousands more than original ***** money I do not have Does Beyond finance care. No. They just do not care. Beyond finance did not address lawyer letters until now being sued. What a humiliation to have sheriff and process server come to home for all to see and know my business I have emotional and physical distress over this. This company was supposed to help me and instead have not done anything but cause illness and worry. I signed up due to being healthcare worker and add said specifically helps nurse in ***** They told me lawyer playing hardball and waiting to last minute to settle. I am sure more lawyer letters to come since all this time accounts not being paid and intrest racking up. I know what they will say. Was in contract this could happen. This sort of thing should have been discussed openly when I signed up. Never was brought up. Just how much they would help. Never ending nightmare and dont know what to do or where to turn. I cannot get loan due to credit score 500, was 700 before I started this nightmare, unpaid accounts and now my paycheck will be garnished. Deceptive advertising and not disclosing verbally these terrible things will happen. Disgraceful and shameful.

  

  Business Response

  Date: 12/30/2024

  Ms. ***************************** you for the opportunity to address your concerns.
  
  
  A thorough review of your program was completed as it relates to the concerns you shared in your communication.
  
  
  At the time of this review you have approved one resolution offer. This offer was approved by you on July 21, 2024, roughly two months into your forty eight month enrollment.
  
  
  At the time of your enrollment you were advised both verbally and in writing about the possibility of creditor litigation as well as the impact to your credit worthiness.  Beyond Finance continued to work to reach a resolution on your referenced account.  
  
  
  Beyond Finance has stood by our commitment to resolve your enrolled debt and your program is being serviced within all expectations. Our records confirm that you had the opportunity to speak with an account manager regarding your concerns.  Should you have remaining questions, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 12/30/2024

  I was NEVER advised verbally that I could be sued. I believe that conversation is recorded and I want a copy of that recording.  Also I have asked repeatedly for all correspondence that Beyond Finance has had with Republic Finance, I have never received any documentation of what has been conducted.  I have a court date Jan 13 2025 in which I need to present to judge good faith on trying to settle this account.  It is apparent to me that Beyond Finance has not put forth the effort that was in good faith given to me by representative when I signed up. How many more accounts will have to go to court?  Do not try to put this travesty on me as I was following plan laid out in good faith.  Again I would have never ever stopped any payments if I was told would lead to this.   What is the outcome in trying to resolve Republic before I miss work and pay thousands to Republic?   Is there still contact with This lawyer with Republic.  Do you even care the effects this is having on my life and mental well being?  Does Beyond finance lend me the money to pay this court fees and account off?  Lawyer fee?   Is there repercussions for Beyond finance?  What is being done besides a lot of run around?   What was settlement offer to Republic?  What is or was being done????? 
  

  

  Business Response

  Date: 03/03/2025

  Ms. *****,
  
  
  Thank you for the continued opportunity to address your concerns.
  
  
  All information was properly disclosed at the time of your enrollment.  
  
  
  Our records confirm that you have approved arrangements on both Republic accounts.  
  
  
  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:12/20/2024

  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.

  1/4/24 I opened an account with ********************** to handle debt. They were able to secure/negoiate an offer which I greed to with both Best Egg and ****************. Today,12/20/24, I contact Beyond Finance to payoff these 2 debts and to end my contract with them on the remaining 3. Money was deposited into my account ( BRP-****** ) in the amount of $6230 Best Egg, and $1598.93 for ****************. I asked for these to be paid off and my account closed. I was told that they would be unable to do so without me paying an additional 25% fee to beyond finance. They have the amount for the remaining debt in full. There is no reason whatsoever to charge an additional 25% to close my accounts. As well trying to close these accounts, I asked that they discontinue any effort negotiating my other 3 debts. ***********, ****************************, and Apple *************************. Reason being, I have been a customer for close to a year now and no negotiations have taken place between these 3. Beyond Finance only began negotiating with *********************** (firm handling ****************************) once I received a summons to sue, yesterday 12/19. I asked Beyond Finance to discontinue their efforts as I would handle this myself being they had done nothing in almost a year. I also asked for Beyond Finance to correspond with the legal firm of *********************** to let them know Beyond Finance would no longer be handing this debt for me. I was told it takes 7-14 days to communicate such issues with a legal firm. I am unable to conclude my business with this firm until Beyond Finance releases said statement. I was told the department handling these matters did not have a way to communicate, no line or email. Being Ive been served a summons, I need to get this taken care of asap. Along with the 25% fee to close my account, I am ********************** frustrated.

  

  Business Response

  Date: 01/03/2025

  Mr. ******************************* you for the opportunity to address your concerns.
  
  
  A thorough review of your program was completed as it relates to the concerns you shared in your communication.
  
  
  At the time of this review you have approved two resolution offers. The first offer was approved by you on February 5, 2024, roughly two months into your fifty five month enrollment, on your largest enrolled balance.  The program is structured to care for your enrolled debt throughout the lifetime of the enrollment.  In order to move forward with negotiation efforts accounts must meet the period of inactivity and there must be enough accumulated funds in your dedicated account.
  
  
  At the time of your enrollment you were advised both verbally and in writing about the program fee related to your approved resolutions.  This can be located in your enrollment agreement in paragraph 11. (a) Program Fee.  It reads, in part, as follows:
  
  
  "The Client agrees to pay the Company a fee in the amount of *****% percent of the balance of each debt enrolled into the program and where Company resolves the debt, whether directly or indirectly through Companys agents, with the creditor."
  
  
  "Program fees are due and earned when: (i) the Company reaches a resolution on an enrolled debt with a creditor, (ii) the Client accepts and agrees to the new terms, and (iii) the first payment of the new agreed upon terms is made to the creditor."
  
  
  All fees were earned and collected within the established expectations.  
  
  
  We are hopeful we have been able to provide clarity to your concerns.  Should you have any additional questions, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:12/19/2024

  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 was struggling with debt, due to a past relationship, where my fianc had borrowed a large sum of money from me and never paid it back. Beyond Finance spoke with me and assured me that they could help resolve my debt, stating that this would be much better for my future than continuing to pay my creditors as much as I could (the minimum payments or slightly more) while staying heavily in debt. I signed with them on a multi-year plan (4 years), agreeing to pay them every month to provide funds they could use to negotiate with my creditors. Beyond Finance emphasized that if I made my payments to them on time for 9 months, it was VERY likely that I would be offered a large loan (by one of their "partners") to pay off all my debts earlier. Needless to say, this never happened. I contacted them several times (after having faithfully made my payments to them for a full year) to ask about the possibility of getting this larger loan. They had warned me that my credit rating would take a hit due to working with them, and they were correct. Working with them completely DESTROYED my credit rating. So I was very anxious to get a reasonable rate on a loan that could help me fully repay my creditors and get on with my life. Instead, they failed to even contact some of my creditors, with the result that I am now getting SUED by a creditor. Every time they negotiate a "deal" for me with this creditor, they ask me to pay extra money, in addition to the funds already in my account with **********************. My initial debt with the creditor who is suing me was just over $4,000. Now, that debt has grown to over $5,000 (because I paid Beyond Finance rather than paying my creditor directly). So far, Beyond Finance has negotiated a "deal" for me to pay this creditor $3,500 (a pretty small savings from my initial debt), explaining that to take this "deal," I would need to add another $1,500 to my Beyond Finance account. Thanks to **********************, I now have debts AND terrible credit.

  

  Business Response

  Date: 12/26/2024

  Ms. ************************ you for the opportunity to address your concerns.
  
  
  A thorough review of your program was completed as it relates to the concerns you shared in your communication.
  
  
  At the time of this review you have approved three resolution offers.  Of these offers, one is completed and two are in active repayment.  The first offer was approved by you on November 16, 2022, roughly one month into your fifty five month enrollment.
  
  
  At the time of your enrollment you were advised that there was a possibility to be reviewed for a graduation loan through, but this was not presented as a guarantee.  Beyond Finance does not issue the loans and has no control over the decision to be reviewed for one.  
  
  
  Beyond Finance has stood by our commitment to resolve your enrolled debt and your program is being serviced within all expectations.  The contact with your creditors is strategic and takes into account a number of factors, including length of delinquency and accumulated funds in your account.  As mentioned you are currently in two active arrangements which are utilizing that majority of your available funds. Beyond Finance has presented you with the opportunity to accelerate new offers by adding funds, but this is not required.
  
  
  Our records confirm that you had the opportunity to speak with an account manager regarding your concerns.  Should you have remaining questions, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:12/18/2024

  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.

  This was a debt management company that has been selling my money in fees for the past 2 years without resolving any of my debt

  

  Business Response

  Date: 12/24/2024

  Ms. ************************ you for the opportunity to address your concerns.
  
  
  A thorough review of your program was completed as it relates to the concerns you shared in your communication.
  
  
  At the time of your requested termination you had approved three resolution offers.  Of these offers, one was completed and two were in active repayment.  The first offer was approved by you on June 29, 2023, roughly four months into your enrollment.  All fees were earned and collected within all of the expectations established both verbally and in writing at the time of your enrollment.  You can review these expectations in your enrollment agreement in paragraph 11. (a) Program Fees.
  
  
  "The Client agrees to pay the Company a fee in the amount of *****% percent of the balance of each debt enrolled into the program and where Company resolves the debt, whether directly or indirectly through Companys agents, with the creditor."
  
  
  " Program fees are due and earned when: (i) the Company reaches a resolution on an enrolled debt with a creditor, (ii) the Client accepts and agrees to the new terms, and (iii) the first payment of the new agreed upon terms is made to the creditor."
  
  
  We are hopeful we have been able to provide clarity to your concerns.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:12/11/2024

  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 enrolled in Beyond Finances debt relief program seeking help to negotiate and settle my debts. Over the past year (a few months shy of two years) I have paid over $15,000 into the program for seven accounts. Despite this, several accounts remain unresolved, and some have escalated to legal action (over 40%), forcing me to hire an outside attorney to negotiate on my behalf.Beyond Finance failed to deliver on their promises. They prioritize collecting their fees over paying creditors, provide vague and scripted responses when asked about progress, and lack transparency in their negotiating processes. I have raised concerns numerous times through calls and emails, asking to speak with supervisors, managers, etc., but no actionable solutions have been provided.Their mishandling of my accounts has caused significant harm, including a substantial drop in my credit score, financial instability, and emotional distress. One of my creditors, unresolved by Beyond Finance after nearly two years, was successfully negotiated and placed into payment status within days by my attorneya result Beyond Finance failed to achieve.I am requesting a full refund of all fees collected by Beyond Finance for services they failed to provide. This situation has left me in a worse financial and emotional state than before I enrolled in their program. There's no excuse because I should not have accounts go legal that they've had for almost 2 years. I have additional documents I can provide in support of my claims and available if required.Thank you for your attention to this matter.

  

  Business Response

  Date: 12/23/2024

  Ms. ******, 
  
  
  Thank you for the opportunity to address your concerns.
  
  
  A thorough review of your program was conducted as a result of the concerns shared in your communication.  
  
  
  As of the time of this review you have approved offers on two of your enrolled accounts and both of those offers have been completed.  You were presented offers on your ************** and your **************** account that you elected not to move forward with.  Beyond Finance has consistently presented you with offers throughout the lifetime of your program
  
  
  At the time of your enrollment you were advised both verbally and in writing about the possibility of your creditos moving forward with litigation as well as the impact to your creditworthiness.  This information is covered in your enrollment agreement under paragraph 13. Disclaimer:
  
  
  "The use of Companys debt resolution services will likely adversely affect Clients creditworthiness and may increase the outstanding balances of Clients enrolled accounts due to the accrual of fees and interest..."
  
  
  "...Clients enrolling in the Program may be subject to collections or sued by their creditors or debt collectors for nonpayment and Client must take this into consideration when determining whether or not to enroll in the Program."
  
  
  You have full access to your account ledger through your **********************************  An account manager has made efforts to reach you to review your inquiries, but has been unsuccessful in connecting with you. 
  
  
   Should you have any additional concerns, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 12/23/2024

  
  I am fully aware of the terms of my agreement; my issue lies with your inability to resolve my debts effectively and the internal errors that have caused further financial harm.
  
  Key Issues:
  1.Failure to Resolve Debts in a Timely Manner: After nearly two years in your program, only two accounts have been settled. Many accounts remain unresolved, with no clear progress or timeline.
  2.Elan Financial Lawsuit: I was served legal papers by ************** and had to settle the debt independently. I achieved better terms on my own than what Beyond Finance proposed, demonstrating your failure to negotiate effectively.
  3.Internal Error Impacting Agreements: Due to an internal error on your part, previously negotiated agreements were canceled, resulting in higher terms being offered by creditors. This is unacceptable, and you have not taken responsibility for these errors.
  4.Refund of Fees: I am requesting a refund of fees you collected on accounts impacted by your internal error, as these errors directly caused the agreements to revert and led to unfavorable terms.
  5.Poor Communication: I have repeatedly asked to speak with a manager. Instead, I am constantly shuffled between agents, requiring me to re-explain my situation with no resolution.
  
  What I Require:
  Immediate resolution of accounts affected by your internal error, restoring previously agreed-upon terms.
  A refund of fees collected for accounts where your errors caused financial harm.
  Direct contact from a manager with the authority to resolve these issues.
  A clear plan to resolve all remaining debts promptly.

  
  Your lack of accountability and repeated errors have caused significant harm. I expect a detailed and actionable response addressing these concerns immediately.

  
  

  

  Business Response

  Date: 03/03/2025

  Ms. ******, 

  Our records indicate that you had the opportunity to address your concerns with an account manager.   Should you still require assistance, please do not hesitate to reach out.

  Sincerely,

  Beyond Finance, LLC