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:05/06/2025

  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.

  After contacting Beyond Finance I had what I thought was a detailed explanation of thereget out of debt resolution offer. I remember asking the gentleman I was speaking to what was there fee he replied many times nothing that they had a government subsidy after being sent numerous papers via Docusign ) in very small print. I signed and began paying them a monthly fee. I was happy to see my account grow as I waited for a response from creditors. So six months goes by and then I see my dedicated account drop to zero. This was in December 2024. I failed to question as I lost my job and could only pay a portion of the deposit for January. In February I was able to pay my portion of the deposits and reviewed my account. Not one ***** was paid to any of my creditors. When I called customer support I was told that they charge 25% of all my enrolled debt. And that all this was in the paperwork that I signed. I asked why would you pay yourself for work that has not been accomplished. And that I was never told it would cost me ***** to have the service. Once again I was told that it was in the paperwork I signed. I continue to pay my monthly fees, even pay a few hundred more this last month. I find the salesman mislead me and never told me upfront that they would charge 25% fee and that they would pay themselves first. I have three more creditors to be contacted and its been almost a year since Ive started the process. Beyond finance should be transparent when selling their service. And not pay themselves first work they havent done yet.

  

  Business Response

  Date: 05/20/2025

  Ms. Villias-Martinis, 
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  At this time you have approved offers on three of your accounts.  Of which, one is completed and two are in progress.  You are progressing successfully through your program.
  
  
  Review of your enrollment interaction confirmed that you were explicitly educated, both verbally and in writing, about the program fee.  At no time were you advised Beyond Finance has a government subsidiary.  All fees have been properly earned and collected in accordance with all established expectations.
  
  
  We can confirm that funds have been issued to all creditors that a resolution was approved on in accordance with the repayments schedule.
  
  
  Should you require additional assistance, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:05/05/2025

  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 with Beyond Finance in 2023 to help settle multiple debts through their debt consolidation program. I was promised that they would negotiate with my creditors and either pay off or settle my accounts for less than the full balance owed.However, despite making payments to Beyond Finance, several of my accounts were either never settled or not addressed at all. Specifically, a personal loan with ************ was charged off and sold to another lender without any settlement being reached. Additionally, a *********** account that I was assured would be included in the program remains unpaid, with *********** confirming that no payment was ever made through Beyond Finance.There were also several other credit cards that were supposed to be serviced under the program but were either mishandled, charged off without settlement, or left unresolved. Beyond Finance has not provided adequate updates or transparency regarding these accounts, and I was not properly informed of any issues during the process.I have requested a detailed breakdown of what Beyond Finance has done with the funds I paid, but I have not received satisfactory information or clarification. I feel that Beyond Finance misrepresented their services, failed to act in my best financial interests, and caused unnecessary damage to my credit profile.I am requesting a full accounting of all payments made to Beyond Finance, clear documentation of what was paid to creditors, and a refund for any services that were not rendered. Additionally, I expect Beyond Finance to take responsibility for the accounts that were not properly handled.If this matter is not resolved promptly, I am prepared to escalate the complaint to additional consumer protection agencies.

  

  Business Response

  Date: 05/20/2025

  Mr. *****, 
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  At this time you have approved offers on seven of your accounts.  Of which, one is completed and six are ongoing.  You are successfully progressing through your program.
  
  
  Review of your enrollment interaction confirmed that proper expectations were set regarding the estimated resolution savings.  Additionally, the possible consequences of the program, including accounts being charged off or sent to collections were disclosed.
  
  
  Beyond Finance has provided regular updates on your program status at all pertinent intervals.  If you need additional clarification on any transactions, you have full access to your ledger through ********************************* (CFT).
  
  
  We have confirmed that your program has been serviced in alignment with the high standards that Beyond Finance holds itself to.  Should you require further assistance, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:05/05/2025

  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.

  Beyond Finance deceives its potential clients into signing a contract for debt settlement. I am currently dealing with legal action taken against me by a creditor who was not contacted by Beyond Finance in a timely manner. I signed up in october of 2023 and **************** was not contacted until January 2025. Beyond finance instructed me to stop making payments back in october 2023 and is now trying to settle my debt for more then my original debt.

  

  Business Response

  Date: 05/19/2025

  Ms. ********************************** you for the opportunity to resolve your concerns.
  
  
  At this time you have approved offers on four of your enrolled accounts.  Of which, two are completed and two are in progress.  
  
  
  Review confirmed that the possibility of accounts moving into legal status was covered during your enrollment interaction.  This information can be located in your enrollment agreement under paragraph 13. Disclaimer.  It reads, in part, as follows:
  
  
  "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 is reliant upon the accumulation of funds in your dedicated account in order to move forward with negotiation efforts.  As you have two completed resolutions and two active resolutions, the available funds in your dedicated account were being utilized.
  
  
  Records reflect that agents have made efforts to connect with you to discuss your concerns, but have been unsuccessful in doing so.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:05/01/2025

  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.

  A particular debt was sold to a third party who is known for filing suits to collect. I contacted a representative requesting information to escalate this specific debt and was told that I have to come up with $xxx for a lump sum payment to settle that debt. Said deposit was made on March 20, 2025. I sent several emails asking for the status and subsequently called on April 28, 2025 and spoke to ******. ****** was very nice and helpful, but clearly scripted. The debt was never escalated. Turns out instead of contacting the creditor and negotiating this specific debt, the funds were removed and applied as a settlement fee. I requested that the settlement fee be returned to the account and applied to the creditor, which ****** advised would not happen. NOW the debt will be escalated and I don't have the funds.

  

  Business Response

  Date: 05/15/2025

  Ms. ******************************* you for the opportunity to address your concerns.
  
  
  At this time you have approved offers on six of your accounts.  Of which, four are completed and two are in progress.  You approved your first offer one month into your enrollment, exceeding expectations.
  
  
  We have scheduled to have an account manager reach out to you to assist you with this concern and ensure your request is properly addressed.  Should you have any remaining questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:05/01/2025

  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.

  When I called to get information about how this programmed worked, there was important information withheld from me to make a informormed decision.The lady who described it, and basically talked me into it did not disclose the outrageous fees associated. I was only told that Beyonds fees were included in the monthly payments. Your dedicated account with them doea not show anything but when a deposit was made,,and your balance,before it disappears. When your money disappears from the account , it does not tell you where it went.if it went to a creditor, or their pockets.Secondly, there were about 4 accounts that sat in review since the day I started this program. I uploaded every negotiation letter, nothing. My credit score got ruined, I have creditors coming after me because they were not doing there job. There was no rreason o stay in a program at charged me $1100 a month, and takes more money than any creditor saw.This last creditor, settled with $13000.and something they were paying a $1 a month..where did the reat of the money go, *********** saw all of $13 and they are charging. $5242 fee for that. I don't not want this to progress,I will if I have to, I would like at least a refund of $5242 for this last account. The rest that was stolen, I'll just take the loss

  

  Business Response

  Date: 05/15/2025

  Ms. ********, 
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  At the time of your requested termination you had approved offers on three of your enrolled accounts.  Of those, two were completed and one was in progress.  You approved your first offer four months into your enrollment, in alignment with all established expectations.
  
  
  Review confirmed that the both credit impact and program fees was covered in detail, both verbally and in writing, at the time of your enrollment.  
  
  
  You were progressing successfully through your program when you elected to terminate.  In order to pursue additional offers, there must be enough accumulated available funds in your dedicated account.  Given the fast pace in which offers were presented, you were in a period of accumulation.
  
  
  Beyond structures resolutions in a manner which allows you to take advantage of being in multiple offers at one time.  Review confirmed all fees were earned and collected in accordance with expectations.
  
  
  Should you have any additional concerns, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 05/16/2025

  I know my experience.

  I do not care to go back and fourth with the company basically calling me a liar, just in different words. Beyond Finance will continue their stance, and so will I. As as I am concern the conversation is over. I will deal with this outside of the BBB

   

  

  Business Response

  Date: 05/22/2025

  Ms. ********, 

  Should there be anything additional we can assist with, we look forward to connecting with you.

  Sincerely,

  Beyond Finance, LLC

• Initial Complaint

  Date:04/28/2025

  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.

  If I could give this company zero stars I absolutely would. This company uses a persons financial hardships to make profit. They are a predatory company. They lied to me from the very first call I had. I was told that my monthly payment included all fees and would never increase. Each time that I had an account negotiated I had to pay money upfront (up to $4000) and/or my monthly payment went up. When I signed up my monthly payment was $140 ish twice a month and when I finally got out of the program my payments were $1200 a month. This is in no way financially beneficial to an individual. They take advantage of your hardship and profit off of your vulnerable position. I was sued by TWO of my accounts over this. When this happened Beyond referred me to their sister company who wrote a letter for me (which I had to supply to the court and send priority mail to my creditor for $$) and then told me I was on my own if the company decides to take further legal action or I am unable to meet the financial and or time sensitive demands the creditors were asking (like paying off $12,000 in 6 payments which is not possible ON TOP of my regular scheduled payments). When I asked if they would provide a lawyer to represent me since I was SUED over their ADVICE to STOP paying the creditors, they told me no. That in the event of a court date I was on my own. Lovely!! Their customer support is AWFUL. Always talking to someone different and getting mixed information constantly. When they finally get you into a position that is no longer financially possible (which they absolutely will) you are magically pre approved for their graduation loan. With a high interest rate and 6 YEARS of payments. Again taking advantage of your financial situation. I BEG you to stay away from this company. At the end of the day I encourage you to do your research and stay far away from this company.

  

  Business Response

  Date: 05/14/2025

  Ms. ********, 
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  At this time your program reflects as graduated.  You approved offers on four accounts and all of them are completed.  You approved your first offer three months into your enrollment, in alignment with all expectations.
  
  
  Review confirmed that throughout your program you were presented with conditional offers.  These offers allowed you to take advantage of favorable terms if you were in the position to add additional funds.  At no time were you required to move forward with them.
  
  
  We are happy to have provided resolution to all of your enrolled accounts ahead of your estimated term length.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:04/28/2025

  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.

  Hired them to settle accounts thought they did their job. Come to find out they didnt . Accounts that were closed werent paid off. Cant get settlement letters untill beyond proves they did or didnt make a payment and they wont help me . Situation keeps getting escalated . Sure took my money though

  

  Business Response

  Date: 05/12/2025

  Mr. *********, 
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  Rest assured that Beyond Finance issued all payments as agreed upon.  We are currently working with your creditor to ensure they properly honor the agreement.  We will keep you updated on the situation and look forward to reaching a resolution for you.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:04/24/2025

  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.

  First off, Beyond Finance makes it clear that this is not a debt consolidation business, but instead a debt resolution business. I signed up because of Beyonds sales pitch that they would communicate and work with the creditors on my behalf. It seemed great as I was paying $346.77 a month. However, 5 months in I received a notice from one of the creditors for a $950 a month garnishment. They obviously were not communicating with the creditors. When I called they asked for writ of garnishment and I sent it. Then they told me sorry, nothing we can do, but your regular payment is still due. When I called Beyond to cancel the representative said per the contract I owe them an additional $911. Theyve already taken $1,500 of the $2,200 Ive paid to pay themselves. They did not live up to their end of the deal, but they insist on continuing to get paid. My new credit card payments per month are $1,400. Im in a worse position after using this company. Highly unethical company.

  

  Business Response

  Date: 05/08/2025

  Mr. ****************************** you for the opportunity to resolve your concerns.
  
  
  At the time of your requested termination you had approved an offer on one of your enrolled accounts.  This offer was ongoing.  Review confirmed it was approved three months into your enrollment, in alignment with all established expectations.  As this offer was on one of your larger enrolled balances, it utilized the majority of your available funds.  In order for us to begin successful negotiation efforts, there must be sufficient funds in your dedicated account to move forward with any resolution presented.
  
  
  Review confirmed that during your enrollment interactions you were transparently advised of the possibility of creditor litigation.  
  
  
  Beyond Finance provided you with the option to leave your creditor in active resolution enrolled, however you declined this option and elected to move forward with termination.  At that point, as Beyond Finance had met all criteria to earn and collect the fee related to the authorized and executed resolution, the remainder of the fee became due.  All fees were collected and earned in accordance with the established expectations as set forth in your enrollment agreement.
  
  
  Should you have any additional questions, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:04/24/2025

  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.

  absolutely a scam, took all of my money for creditor payments and yet my creditors have me never received the payments and they cannot answer where the money is

  

  Business Response

  Date: 05/08/2025

  Ms. *********, 
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed as a result of the issues you addressed in your communication.
  
  
  Review of your program confirmed that an agent made efforts to review your account ledger with you to ensure all of your questions were answered.  On April 17, 2025 a detailed breakdown of your account ledger was provided to you.  This ledger reflects the payments made on your resolution with Portfolio.
  
  
  We are hopeful this is 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:04/23/2025

  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.

  On march 26th, I decided to cancel on the program. I talked to someone on the phone and we had a good talk and agreement that I will withdraw the funds on my dedicated account which is $1145. I was told it will take 3-5 business days. I waited a week then reached out to customer service regarding the funds. I was told that they had to reprocessed it due to an error on their end. I was told to wait another 3-5 business days. On April 9th, I got an amount of $4.74 in my bank account from **********************. I reached out again since I should get $1145. I was told that I need to wait for 10 days. Its April 22nd and I still havent gotten anything. Everytime I talk to customer service they keep on telling me to wait but telling me different information. Some will says wait 3-5 days. Others will say up to 10 days and the last one I talked to is 14 days. My problem was not resolved and I did not get any money back.

  

  Business Response

  Date: 05/07/2025

  Ms. Cena, 

  Thank you for the opportunity to address your concerns.  Our records indicate this matter has been resolved to your satisfaction.  Should you have any further questions, please do not hesitate to reach out.

  Sincerely,

  Beyond Finance, LLC