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:07/12/2024

  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.

  Enrolled into a debt consolidation plan where we were assured after 9 months we would be offered a loan to pay all the remaining debt off to prevent further collection calls and make payment to the loan. I asked multiple times and was never offered a loan after 1 year enrolled. I now have late fees and interest that racked up to creditors.

  

  Business Response

  Date: 07/19/2024

  ********************,
  
  
  Thank you for the opportunity to address your concerns.
  
  
  In your correspondence you expressed dissatisfaction with not being offered the Graduation Loan.
  
  
  Beyond Finance sets clear expectations that while eligible customers can be reviewed for the possibility of a Graduation Loan at various points throughout their program, this is not a guarantee. Beyond Finance was pleased to have had the opportunity to present you with nine resolution offers prior to your requested termination from the program.  Rest assured we would have continued to work to bring you offers on your remaining enrolled debt.
  
  
  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
  

  Customer Answer

  Date: 07/20/2024

  during enrollment the agent assisting assured us as long as we made payments on time for 6 months and were enrolled at least 9 mos that an offer would be presented. We accepted the program based on that assurance to pay off debt in one lump sum and prevent further accrual of interest and credit disparage. Nine accounts may have been negotiated, but they were not completed so false info to my knowledge. I would like  to see where 9 accounts were completed as I do not have access to view that anymore. Also, the statement and ledger does not have dates or amounts dispersed to said accounts. 

  

  Business Response

  Date: 08/21/2024

  Ms. Pasquill,
  
  
  Thank you for the continued opportunity to address your concerns.
  
  
  Review confirmed that at the time of your enrollment you were advised of the opportunity to be reviewed for a graduation loan, but this was not guaranteed.
  
  
  Detailed information about your program transactions can be located on your account ledger through ******************** Technologies.
  
  
  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:07/10/2024

  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.

  I have been a customer for a year. When they first sold me on their company over another they provided a lot of false information. They did not say that they take their entire fee for each settled account up front and not along with the payments. They did not say that there was a chance I wouldnt be eligible for the loan they sell at the beginning. They said I would get help in the event of legal action and Ive gotten none.

  

  Business Response

  Date: 07/17/2024

  ******************,
  
  
  Thank you for the opportunity to address your concerns. 
  
  
  We confirmed your enrollment into the program on July 18, 2023.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  Information program fees, including how and when they are earned, can be located in the section titled "Debt Resolution Agreement" in paragraph 11. (a)  Program Fees.  It reads, in part, as follows:
  
  
  "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."
  
  
  Review of your program confirmed that Beyond Finance met all established expectations prior to earning any portion of the fee related to your approved resolutions.  At no point did Beyond Finance take any fees up front.  
  
  
  Additionally, during your enrollment interaction you were advised that you would be eligible to be reviewed for the potential of a loan option.  At no point was a guarantee made that you would be approved.  
  
  
  Beyond Finance is transparent that we do not provide legal advice.  However, we note that you elected to participate in BLP at the time of your enrollment.  We encourage you to utilize this program to the fullest extent for any legal support they may be able to provide.
  
  
  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

  Customer Answer

  Date: 07/19/2024

  I am still completely unsatisfied with the transparency and knowledge of the staff. 
  

  I was given inaccurate information by your company about the start date of a negotiated settlement and then told it was my problem to solve with the arbitrator. 
  

  I signed the stipulation and sent it back to beyond and fixed the payment issue on July 17th. Now two days later, I got a blank outdated stipulation from beyond. 
  

  when I called customer service and tried to explain the issue, I got an irrelevant, scripted response back. 

  

  Business Response

  Date: 08/21/2024

  ******************,
  
  
  Thank you for the continued opportunity to address your concerns.
  
  
  Our records indicate that the matter involving the stipulation agreement has been resolved and the resolution is underway.
  
  
  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:07/09/2024

  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 signed a contract with beyond finance a debt consolidation company during the pandemic around 1/2021. I was advised not to contact my creditors and to stop making even minimum payments . I started sending payments to beyond finance then I realized the payment was going to a very old debt past 7 year limit.beyond finance never contacted my other creditors. When I called I was told my payments would go to the first debt then once I was finished paying this old debt they would contact the next creditorAnd all of my other accounts were not taking care of. So I stopped sending payments.Beyond finance basically ruined my credit . Creditors do not want to negotiate with me because I signed a contract. I gave up and also I was dealing with a very ill son Now I'm trying to fix my credit. I called beyond finance about 1 month ago . I was told they can't find me on their records .I have proof from my bank about the deductions from this company.now I'm stuck with 3 delinquent accounts that will appear on my credit report until 2027 or latter. My old tel # was ***********.

  

  Business Response

  Date: 07/15/2024

  ************,
  
  
  Thank you for the opportunity to address your concerns.
  
  
  We confirmed your enrollment into the program on December 4, 2020.  At the time of enrollment, the Account Specialist reviewed your Client Enrollment Agreement with you prior to your signing.  Information about how the program is designed can be located in the section titled "Debt Settlement & Negotiation Agreement" in paragraph 13. Disclaimer.  It reads, in part, as follows:
  
  
  "The use of Companys debt settlement services will likely adversely affect Clients creditworthiness, may result in Client being sued by creditors or debt collectors 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."
  
  
  Beyond Finance met all expectations in servicing your program prior to your termination on March 16, 2021.  After termination, Beyond Finance was no longer in the position to assist you in resolving the accounts that had been previously enrolled.
  
  
  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:07/08/2024

  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.

  I have paid $344.15 every other week since beginning the program to have them negotiate my debt. I was sued by one of my credit cards about 6 months ago. I immediately notified beyond and sent them all the paperwork they requested. I have checked in with them once every couple of weeks since and they consistently told me its being prioritized however that credit card company just received a judgment about two weeks ago. Something they advertise wont happen if youre working with them. They also told me when I signed up that I would be eligible for the graduation loan with 6 months of consistent payments that would pay off all my debt and I would just continue paying the same amount each month. This hasn't been true either.

  

  Business Response

  Date: 07/15/2024

  ************,
  
  
  Thank you for the opportunity to address your concerns.  We apologize for any inconvenience or frustration you have experienced.
  
  
  We confirmed your enrollment into the program on March 2, 2023.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  Information about the possibility of legal action can be located in the section titled "Debt Resolution Agreement" in paragraph 13. Disclaimer.  It reads, in part, as follows:
  
  
  "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. Although, services provided by the Company aim to reduce the Clients outstanding debts with creditors, the Company cannot prevent a creditor from taking legal action against them, and the Company cannot offer any guarantee whatsoever that legal actions will not be commenced by the Clients creditors."
  
  
  Beyond Finance remains dedicated to servicing your program, including your referenced Discover account.  
  
  
  Additionally at the time of your enrollment the agent advised that you would be eligible for review for the Graduation Loan, but did not guarantee that a loan would be issued.  
  
  
  Our records indicate an account manager has been working to connect with you regarding this matter.  We will continue our efforts to connect with you to ensure all of your concerns have been addressed.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:07/06/2024

  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.

  I Was charged 16 settlement fees for accounts that were never settled. Beyond states that creditors were contacted which is correct however several creditors also told me that their request to settle was denied. I should not be charged for accounts that ********************** isn't able to do anything with. I have spoken to other victims of Beyond with the exact same story. I have NOT started litigation as I am still gathering data. Fortunately Beyond has lost many other lawsuits and anyone can access the details online. My request to them was simple. Return the fees that I paid for work they didn't do.

  

  Business Response

  Date: 07/19/2024

  ************, 
  
  
  Thank you for the opportunity to address your concerns.
  
  
  Review of your program has confirmed that all resolution fees earned by Beyond Finance were done so in accordance with all established expectations.  Information about how and when fees are earned is covered in your Enrollment Agreement under the section titled "Debt Resolution Agreement" in paragraph 11. (a) Program fees.  It reads, in part, as follows:
  
  
  "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."
  
  
  It has been confirmed that all fees earned were done so in relation to resolution offers that you had approved and, at minimum, the first payment had been made to the creditor.  At the time of your requested termination any active resolution offers were terminated as Beyond Finances was no longer authorized to service your account.
  
  
  We are hopeful we have been able to provide clarity to your concerns.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:07/05/2024

  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 am filling this complaint in hopes that no one else will have to go through the process and experience that I went through with ******* Finance. In their advertisements they state that you can cancel at anytime. What they fail to mention is that if you call to cancel your account you will be met with someone who appears to be a sales person talking over you trying to convince you to stay with them. In my case it was someone named **** who refused to assist me without listening to his sales pitch.A simple request to cancel turned into an hour long debate. I hung up on him because my request was non negotiable and he called me back! This reason I cancelled was for the following:1. Seven out of the 12 creditors that I listed on my account do not and will not work with Beyond Finance.2. I have paid them over $2000 yet only $275 has been paid towards the principal. I have no idea where the rest of my money went.3. I called one of the credit card companies asking if they received the request to settle my debt. I was told they received the request from ** and it was denied as their terms were completely unreasonable. 4. They fail to mention that over 25% of what you send them goes towards their " fees"I asked **** if the money I sent them will be returned as they sat on the money and didn't use it to pay down my balances and his response was no with no explanation. I asked that my call be escalated to a supervisor because I was done listening to his sales pitch and he said that if I wanted a Sup. I could call back and have someone else escalate my call. I am now out of over $2000 with no resolution.

  

  Business Response

  Date: 07/19/2024

  Mr. ********************** you for the opportunity to address your concerns.
  
  
  We confirmed your enrollment into the program on January 17, 2023.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  Information about the program fee can be located in the section titled "Debt Resolution 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."
  
  
  At the time of your requested termination, you were in active resolutions.  Our agents want to ensure that any customer who elects to terminate understands the full impact to accounts in active resolution.  We want to ensure we have provided you with all the options available to you.  Our records confirm that your request has been honored and your termination was completed on July 5, 2024.
  
  
  Rest assured that your full ledger is available to you through *********************************, the entity that manages your dedicated savings account.  Additionally, an agent is always happy to review your ledger with you.
  
  
  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

  Customer Answer

  Date: 07/19/2024

  BF preys on people who need the most assistance. When they sign you up they will tell you everything you want to hear then hide the most important facts is VERY fine writing. They take 25 % from every account you submit weather the debtor accepts their " offer" or not. I personally called every ********** company and was told that ** never sent them an offer which means that they are taking money from you without doing a **** thing. I'm not going back and forth with them. I've accepted the fact  that the thousands of dollars I've send will never be seen. Good jobs guys you got me. If this response has a silver lining is that I Legally recorded 6 phone calls by their rude deceitful customer service staff. Don't take my word. Listen to these phone calls and make your decision on weather or not you want to deal with these clowns. I'll include my e mail address and would be happy to send anyone who wants to hear the recordings so you can make your decisions on your own. In ending ill say good job BF, you got me. I'm the sucker for giving you thousands of dollars expecting results. You have done next to nothing. 

  

  Business Response

  Date: 08/21/2024

  Mr. ********************** you for the opportunity to address your concerns.
  
  
  Rest assured Beyond Finance does not earn any portion of our fee until the resolution offer has been accepted and, at minimum, the first payment has been made to the creditor.  At this point, Beyond Finance has the ability to earn the fee related to the resolution.  Beyond Finance often opts to defer portions of that fee until later in the program to allow for more available funds for our customers to reach additional resolutions.
  
  
  We understand the program is not the best fit for each financial circumstance.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 08/23/2024

  You have not addressed my complaint. The ** response avoids the clear and simple fact that canceling is a lot harder than signing up. I have phone recordings that proves your CS **** are rude, deceitful and condescending. How convenient for you to completely ignore this fact. Read my initial complaint and stop avoiding the truth. 

• Initial Complaint

  Date:07/04/2024

  Type:Billing 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.

  This company seems to take advantage of people over 55. I am experiencing that. I have a *********** account that has been negotiated with them, but I have had to deal with court issues regarding this account over several months even while I am paying off the account as negotiated. This has taken time and money and is a nightmare in all honesty. This is the worst company I have ever worked with due to their inability to function clearly. They have too many partnerships and are not a centralized business. I am concerned that they may need to be investigated for fraud.I am now supposed to go into mediation over this account. I am concerned about Beyond Finance's ethics in helping me efficiently resolve this issue. This has never happened to me before, and I want to fix this situation and work with creditors on my own. I do not trust them anymore with my finances.

  

  Business Response

  Date: 07/11/2024

  ************,
  
  
  Thank you for the opportunity to address your concerns.  We apologize for any frustration and inconvenience you have experienced.
  
  
  Rest assured that Beyond Finance acts transparently and with the best interest of all of our customers.  We confirmed the resolution on your *********** account was approved and is in good standing.  Beyond Finance has met all expectations on our end to address the concern.  Through communication with your creditor they are working to file paperwork with the court system still in regards to this matter.  These actions are outside of our control, however we will continue to follow up in an effort to encourage them to resolve this matter.
  
  
  Our records indicate that you had the opportunity to address this concern with an account manager recently.  Should you have any additional questions or concerns please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 07/11/2024

  
  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:07/02/2024

  Type:Sales and Advertising 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.

  A debt resolution company promises to save consumers money on credit card debt but first you need to stop paying them and ruin your credit. Later you find you pay them 75%, and they never reach out to creditors. I paid $9000 in 8 months to resolve $4000 of debt. That $4000 was negotiated to $2000. The bank received $2000 and beyond finance received $6000. These actions are incredibly predatory. The website doesnt offer statements of fees. I had to request it in the chat after noticing my $1000 monthly deposits were disappearing for $515 of debt payments.

  

  Business Response

  Date: 07/16/2024

  ********************,
  
  
  We confirmed your enrollment into the program on October 10, 2023.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  Information about fees can be located in the section titled "Debt Resolution Agreement" in paragraph 11. (a) Program Fees.  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."
  
  
  Review of your program confirmed that all expectations have been met prior to Beyond Finance earning any installment of our fee.  Additionally, the fee has been calculated correctly.
  
  
  To date, you have authorized three resolutions on your program.  The $4,000 referenced in your correspondence is the amount that has been paid towards your resolutions to date, not the balance of the debt that is in active resolution.  Additionally, Beyond Finance has not earned $6,000.  We have scheduled to have an account manager reach out to you to review your ledger in detail with you to clear up any misunderstanding.  Additionally, this information is always available to you directly through ******************** Technologies, the institution that manages your dedicated account.
  
  
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:07/01/2024

  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.

  I was hopeful that Beyond Finance would be able to help me consolidate my debt, but it actually put me in a worse situation that I am struggling to get transparency on. After a lack of communication (particularly when I received court docs), no debt counseling, and realizing I could settle my debt myself for free, I opted to remove myself from the program; however, I still had to pay a fee for the settlement they did end up getting me. I was fine paying for the fee as that is written in the contract. My frustration comes from the lack of transparency and being unable to get ahold of anyone who can help me or give me accurate information, whether via email, support chat, or via phone. I was initially told I had over $3,000 in fees left, but that wasn't true and it was only $1,742.71. When I needed to cancel my recent deposit due to an emergency, none of the 4 agents I spoke to were able to cancel it, and I was told by one of the agents that I only had about $51 left on the fee and I would be done. Come to find out from a different agent that what that agent told me about my balance wasn't true and I still have $616.06 left. I just want to be done with this place. All my debt is handled except for this and I feel like even if the fee was paid off today, they would still find a way to say I owed more money. I am so frustrated and feel like I have been scammed, because how is everyone either told me something wrong or been unable to help me?

  

  Business Response

  Date: 07/15/2024

  ****************,
  
  
  Thank you for the opportunity to address your concerns.  We apologize for any frustration and inconvenience you have experienced.
  
  
  We have escalated your concern and have scheduled to have an Account Manager reach out to you to review the status of your program and provide the requested detail.  We are hopeful this will ensure all of your questions are cared for and you have a satisfactory resolution to your concerns.
  
  
  Should you require further assistance, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 07/17/2024

  I am happy to be contacted but it has been multiple days since receiving this and I have not received any communication from Beyond Finance. 

  

  Business Response

  Date: 08/21/2024

  ****************, 
  
  
  Our records reflect you have successfully been able to connect with an account manager.  Should you require any further assistance, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:07/01/2024

  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 enrolled 4 credit cards in beyond finance debt program. I enrolled 19 months ago. I was told my credit would be negatively impacted the first 3-4 months, but then would go up from there. When I started, my credit score was above 700. Now its barely over 500 and its been 19 months! I need to buy a car and cant bc my credit is ruined! I could unenroll my debt, but at this point there is no point plus they have a lot of my money in my dedicated account, so I would lose money. So Im stuck waiting for them to settle these debts while my credit is in incredibly low.

  

  Business Response

  Date: 07/07/2024

  ****************,
  
  
  Thank you for the opportunity to address your concerns.
  
  
  We confirmed your enrollment into the program on November 11, 2022.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  Information about credit impact can be located in the section titled "Debt Resolution Agreement" in paragraph 13. Disclaimer.  It reads, in part, as follows:
  
  
  "The use of Companys debt resolution services will likely adversely affect Clients creditworthiness..."
  
  
  During your enrollment interaction the agent advised upon enrollment there would be an impact to your creditworthiness and that past customers have reported seeing an improvement around the 3 to 4 month mark.  The agent did not guarantee any specific time frame for the potential for improvement to your creditworthiness.  Beyond Finance is not a credit repair company.
  
  
  Beyond Finance will continue to work to provide a resolution offer on your remaining enrolled account.  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC