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:05/31/2023

  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.

  In 12/2021, I enrolled in Beyond Finance. I told the rep that my credit was good (700s) and that I was making ALL payments on time, every month. The rep said that I could get my debt consolidated and that Beyond would be able to negotiate with the creditors to lower my debt. I asked how it would affect my credit and the rep explained that it would lower my credit temporarily because I would need to stop paying in order for them to negotiate a reduced amount (to show hardship). However, the rep assured me that my credit would be repaired pretty quickly once all my debts were resolved (about 48 months). I also agreed to deposit $359.14 per month, which is ALL I could afford. They were able to resolve with the first two creditors. When they got to the 3rd, they approached me with a negotiation where I would need to magically come up with $1000+ up front, and increase my initial AGREED upon, monthly deposit, Without a job, I was unable to commit to the increased amount. That's when I was advised to withdraw the creditor from the plan because it would "just get worse." I had NO IDEA that a creditor could *** me. I was also NOT told that I had access to "discounted" legal services, so I hired a private attorney. Beyond needs to reimburse $1500 for my attorney fees. I received threatening letters, stating that they could access my bank accounts to recover the debt. NO copies of contracts were sent to me until I spoke with a manger on May 25, 2023. They were also not on client dashboard. In addition, I was duped into the Above Lending program, and when they deposited the $ needed for the final creditor, Beyond became *** in negotiating, saying creditor did not agree to anything less. I have paid an EXTRA fee to Above Lending for no reason. Beyond Finance is engaging in PREDATORY practices on all who don't understand the system and are already drowning. Please listen to the RECORDED calls at Beyond. My credit is WRECKED and I have paid MORE in fees than what Beyond helped.

  

  Business Response

  Date: 06/07/2023

  Ms. *************************, 
  
  
  Thank you for the opportunity to address your concerns.  We apologize for the frustration and inconvenience you have experienced.
  
  
  In your complaint you expressed dissatisfaction with the program impacts to one of your enrolled accounts.
  
  
  We confirmed your enrollment into the program on December 28, 2021.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  Information about the potential for litigation can be located under the section titled "Debt Resolution Agreement" in paragraph 13.  "Disclaimer".  In reads, in part, as follows: 
  
  
  "Clients enrolling in the Program may be subject to collections or sued by their creditors"
  
  
  Additionally, at the time of enrollment, the Account Specialist also reviewed your ***************** ********** Agreement with you prior to your signing.  This provided you with information about the discounted legal services available to you.  Both of these documents were sent to you via email after you completed the Docusign.
  
  
  Beyond Finance does not guarantee that your debts will be resolved for a specific amount or percentage.  In this circumstance, due to the status of the account, ********************** was able to reach a settlement offer that would have required additional funds.  Understanding that was not an option for you, you were advised it may be required for you to remove the account from the program.
  
  
  You were provided with the option to pursue a loan with Above Lending, but were not required to. Regarding the final account, an offer has been presented to you and is waiting for your approval.
  
  
  At this time Beyond Finance will not be providing compensation for your attorney fees.  Should you have any additional questions please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 06/07/2023

  Please send me screen shots of the documents you provided in my email with the dates and the recordings of the phone calls with your reps. **** conversation I had, I was told by the rep, that it was recorded. 
  Thank you.

  

  Business Response

  Date: 06/14/2023

  Ms. *************************,
  
  
  Thank you for the continued opportunity to address your concerns.  In your most recent communication you requested proof that the documents were sent to you as well as call recordings.
  
  
  Your enrollment agreement was signed via DocuSign.  Upon completion, the executed document is automatically sent to you.  Your enrollment agreement was signed on December 28, 2022 at 3:58pm.
  
  
  Policy prohibits Beyond Finance from sharing call recordings.
  
  
  Beyond Finance acted within all established expectations.  At this time we will not be issuing monetary compensation.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:05/26/2023

  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 started with this company in February with th hope of getting some debt settled fast forward to may inly 1 acct was being worked on and had not been pad until i got the supposed 300 in there to settle acct....fast forward about a weel ago i decided to leave this company because nothing was getting done i ask for a refund all of a sudden they decide to pay the creditor ************************************************************** 94 ..i called the company the supposedly paid and they havent been paid so where is the money this company is nothing but lies and scam

  

  Business Response

  Date: 06/01/2023

  **************, 
  
  
  Thank you for the opportunity to address your concerns.  We apologize for the frustration and inconvenience you have experienced.
  
  
  In your complaint you expressed dissatisfaction over your program progress and the termination process. 
  
  
  We confirmed your enrollment into the program on February 3, 2023.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  Information about the program progress expectations can be located under the section titled "Debt Resolution Agreement" in paragraph 8.  "Timing and Program Estimates".  In reads, in part, as follows: 
  
  
  "...in our experience an accumulation of 25%-50% of the then-current balance of a Debt and approximately 4-6 months from the last payment will normally enable us to make a good-faith offer to resolve your first and subsequent Debts."
  
  
  Beyond Finance presented your first settlement offer to you on February 15, 2023.  You approved this offer and the first payment was made on March 13,  2013. 
  
  
  Information about program fees can be found under the same section 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"
  
  
  Beyond Finance met all established criteria to earn the fee related to this settlement.  At the time of your requested termination, after fees related to this settlement were processed, you were refunded the amount remaining in your dedicated savings account.
  
  
  We are hopeful this has provided clarity to your concerns.  At this time no billing adjustment will be made.  Should you have any additional questions please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 06/01/2023

  Answers keep changing first the money went to the creditor now its all fees still scammers

  

  Business Response

  Date: 06/07/2023

  **************, 
  
  
  Thank you for the continued opportunity to address your concerns.  Please review the following detailed breakdown of your settlement for additional clarity:
  
  
  First Premier Bank
  Approved on February 13, 2023
  Settlement Amount: $359.00
  First Payment: March 13, 2023
  Fee Amount: $179.25
  
  
  
  Beyond Finance had met the established criteria to earn our fee at the time of your requested termination from the program.  At the time of your requested termination, no fee had been processed.  Once the fee was deducted from your balance, you were refunded the difference.
  
  
  We are hopeful this has provided additional clarity to your concerns.  Should you have any questions please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 06/07/2023

  They doesnt go over the fact that i called the card company and they were not paid everytime i speak to one of your reps and tell them this the story changes...first you say it went to fees now supposedly the card company was paid ..your company steals and thats that you got my money and you already have multiple complaints about this and i will be letting the person i referred to you know as well 

• Initial Complaint

  Date:05/24/2023

  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 signed up for debt settlement with Beyond Finance. I immediately regretted it and cancelled with the form they require for cancellation. This was submitted on 5/20. They have yet to cancel it and call me daily so a manager can close my accounts and answer questions I have. I have repeatedly told them that I just want it closed and have no questions and will not be talking with them since the cancellation clause doesnt require it. They keep saying I need to speak with someone and they are just trying to retain my business.

  

  Business Response

  Date: 05/30/2023

  ****************, 
  
  
  Thank you for the opportunity to address your concerns.  We apologize for any frustration or inconvenience you have experienced.
  
  
  In your complaint you expressed dissatisfaction over the termination process.  
  
  
  Review of your account shows that your requested termination was successfully completed on May 26, 2023.
  
  
  While we are sorry to have lost you as a customer, we wish you continued success on your journey to financial freedom.  Should you have any additional questions or concerns, please do not hesitate to contact **.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:05/22/2023

  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 told their fee was was added to the monthly fees I was paying and no other fees would be added. Then when I paid it off the say I now owe them settlement fees. It even clarified on the video on my app that all fees are included in my monthly payment.

  

  Business Response

  Date: 05/25/2023

  Ms. *******, 
  
  
  Thank you for the opportunity to address your concerns.  We apologize for the frustration and inconvenience you have experienced.
  
  
  We confirmed your enrollment into the program on May 4, 2021.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  Information about the estimated amount to complete your program is located under the section titled "Schedule A List of Creditors and Debt & Program Details".
  
  
  Upon your enrollment we began to work towards reaching settlements on both of your included accounts.  Please review the settlement details below:
  
  
  Transworld Systems offer approved on March 4, 2022
  Settlement Amount: $300 paid in full March 31, 2022
  Settlement Fee: $150.75 paid in full April 1, 2022
  
  Chase offer approved on October 21, 2022
  Settlement Amount: $5,408.17 paid in full as of May 8, 2023
  Settlement Fee: $2,583.25, $0 paid to date
   
  
  The settlement fees related to your enrolled accounts are included in your monthly payment.  Your estimated total program deposits per your Enrollment Agreement is $8,212.75.  To date you have paid $6,632.62 into your program.  While both settlements have been paid to the creditor, you still owe Beyond Finance the related settlement fee for your Chase account.
  
  
  We hope this has provided clarity to your concerns.  Should you have any additional questions, please do not hesitate to reach out.
  
  
  Sincerely, 
  Beyond Finance, LLC

• Initial Complaint

  Date:05/21/2023

  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.

  The worst debt resource. This is a profit based business they will mislead you and take your money of 25% off the top once the settle the highest amount Leaving your enrolled account empty while supposedly trying to negotiate with other accounts while your being charged off and they consuming your monies in what they say was fees. I had no idea and would have never agreed if explained properly from The start. They still money from me and took advantage of my position. The worst scammers . Do not enroll with accredited as they will sell your contract to these people. They are all scammers!! Beware !! They mislead me to think that no fees were to be taken upfront while I was enroll paying ******* monthly x 6 months direct from my account while they paid only ****** toward one account leaving my account empty saying its fees .

  

  Business Response

  Date: 05/25/2023

  ****************,
  
  
  Thank you for the opportunity to address your concerns.  We apologize for the frustration and inconvenience you have experienced.
  
  
  In your complaint you expressed dissatisfaction with the fees related to your program.  You are requesting a refund.
  
  
  We confirmed your enrollment into the program on January 13, 2023.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  Information about the program fees can be located under the section titled "Debt Resolution Agreement" in paragraph 11. (a) "Program Fees".  In 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..."
  
  
  "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."
  
  
  Beyond Finance met all established criteria prior to taking any part of the earned fee.  Your program is structured to reach settlements on enrolled accounts throughout the lifetime of your program.  The negotiation of this account first did not prohibit Beyond Finance from working to reach arrangements on other enrolled accounts.
  
  
  At this time, Beyond Finance will not be issuing a refund.  Should you have any questions or concerns, please do not hesitate to reach out.
  
  
  Sincerely, 
  Beyond Finance, LLC

• Initial Complaint

  Date:05/15/2023

  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.

  Date o transaction between April 2022 and Feb. 2023.Payments made approximately ******* No payments were made on both accounts and were closed as a loss for lack of payments.Issues were reported to the credit bureau.Beyond Finance closed the case saying it's already settled Account Id. ********* Trace **************** spoke to 6 different agents only one said they tried to settle but the accounts were closed as a loss.the others said it was settled and case was closed.

  

  Business Response

  Date: 05/19/2023

  ************, 
  
  
  Thank you for the opportunity to address your concerns.  We apologize for the frustration and inconvenience you have experienced.
  
  
  In your complaint you expressed dissatisfaction with your program progress and the impact to your creditworthiness.  
  
  
  We confirmed your enrollment into the program on November 18, 2021..   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  Information about program impacts can be located under the section titled "Debt Resolution Agreement"  in paragraph 13. "Disclaimer".  ** 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 works with your enrolled creditors to reach settlements on your accounts.  Once a settlement has been negotiated and approved, payments will be made towards that settlement.  These payments are not the same as your previously scheduled monthly payments with your creditor.  
  
  
  As a result of enrolling in the program, your creditor may opt to close your accounts and report to the credit bureau regardless of settlement status.  This is at their discretion.  
  
  
  Beyond Finance was making all scheduled settlement payments on your **** of America account at the time of your requested termination.  Additionally, a settlement offer was presented to you on your *********** account that you declined.  
  
  
  At this time Beyond Finance will not be issuing a refund.  We hope this has provided clarity to your concerns.  Should you have any additional questions, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance,  LLC

• Initial Complaint

  Date:05/13/2023

  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 canceled this service almost a month ago. They continue to call and leave msgs. Even tho I have repeatedly asked to be removed from their calling list Can you intervene?

  

  Business Response

  Date: 05/16/2023

  ****************, 
  
  
  Thank you for the opportunity to address your concerns.  We apologize for the frustration and inconvenience you have experienced.
  
  
  We have placed the provided phone number on our Do Not Contact list.  Should you have any additional questions or concerns please do not hesitate to contact **.
  
  
  Sincerely, 
  Beyond Finance, LLC

• Initial Complaint

  Date:05/12/2023

  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.

  Beyond Finance has not made any progress on my debt settlement. My credit took a dive even though I was told it is just going to be a slight dip. Now, my credit is ruined and no debt settlement offer after more than 90 days of enrollment. They lie about working right away after you pay your first deposit.

  

  Business Response

  Date: 05/16/2023

  ****************, 
  
  
  Thank you for the opportunity to address your concerns.  We apologize for the frustration and inconvenience you have experienced.  
  
  
  We confirmed your enrollment into the program on February 8, 2023.   At the time of enrollment, you were provided with an Enrollment Agreement.  Information about settlement timing can be located under the section titled "Debt Resolution Agreement" under paragraph 8."Timing and Program Estimates".  It reads, in part, as follows:
  
  
  "While guidelines differ widely among Creditors, in our experience an accumulation of 40%-50% of the then-current balance of a Debt will normally enable ** to make a good-faith offer to resolve that Debt. Further, in our experience it typically takes approximately 4-6 months before reaching the stage at which Company can begin reaching out to creditors or collectors and achieve your first resolution."
  
  
  Upon enrollment, our team of negotiators begins to review your program regularly to determine the best time to reach out to your creditors.  Once our team is confident that a beneficial settlement arrangement can be reached, they engage with the creditors.
  
  
  Additionally, information about credit impact can be located under the same section in paragraph 13. "Disclaimer".  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."
  
  
  Please rest assured that we are making every effort to obtain a beneficial settlement agreement for you on both of your enrolled accounts.  Once an agreement is available, it will be presented to you for review and approval.  
  
  
  We hope we have been able to address your concerns.  Should you have any additional questions, please do not hesitate to reach out.
  
  
  Sincerely, 
  Beyond Finance, LLC

  Customer Answer

  Date: 05/16/2023

  the salesperson who enrolled me in this program said the earlier I send the sooner they will reach out to the creditor. They are liars. I will cancel the agreement. 

  

  Business Response

  Date: 05/19/2023

  ****************, 
  
  
  Thank you for the continued opportunity to address your concerns.  In your most recent communication you indicated you wanted to terminate your program.
  
  
  Review has determined that your program has been terminated as of May 17, 2023.  A refund in the amount of $2,694.01 was issued on the same day.
  
  
  We are sorry for any miscommunication about the program.  We wish you success in your journey to financial freedom.  Should you have any additional questions or concerns please do not hesitate to contact **.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:05/08/2023

  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.

  5/8/2023 I requested an online consultation; however I received a phone call from "****" we reviewed all my credit information and he explained the process, my payments, how things worked and my savings. Then asked for my banking information; I asked if I could get a copy of the agreement before releasing my banking information as I have been scammed by a debt relief program in the past; and he told me he could not release the agreement to me without my bank information. When I told him I wasn't comfortable with that; he got rude and raised his voice wanting to know what I was going to do about my debt and wanted to know why I would rather suffer instead of letting him help me. I explained again that without something in writing to review first I would not give him my banking information. He got loud and belittled me wanting answers on how I was going to repair my credit. I would not recommend him or this company to an enemy. I'm having a hard enough time dealing with everything I've went through and trying to repair my credit and life; I don't need someone to talk down to me too... I ****% believe this company is a scam....

  

  Business Response

  Date: 05/12/2023

  **************, 
  
  
  Thank you for the opportunity to address your concerns.  We apologize for the frustration and inconvenience you have experienced.
  
  
  In your complaint you expressed dissatisfaction with your enrollment experience.  
  
  
  We confirmed that you had a conversation about potentially enrolling into the program on May 8, 2023.  We have reviewed the interaction and provided coaching to our agent on how to be more sensitive to our customers' individual situations.  Our Enrollment Agreement is designed to be sent to the client once it has been fully filled out, including necessary banking information.  While our agent did offer to provide you with a comparison sheet, we understand this might not have met your needs in this situation.  
  
  
  The customer experience is something we take seriously at Beyond Finance and your feedback is a valuable tool in our continued efforts to improve.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:05/01/2023

  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.

  We signed up with company in May 2022. They took out payments of $359.41 twice a month. When we signed up they said we would qualify for a loan to pay full amount in three months if we did not apply for new credit and make payments on time (auto debited from our checking account) - which was done. After three months the said it is 6 months and we were misinformed by rep. ********** from May 2022 to February 2023 (we had closed our bank account so no more debits were taken out) they collected $6469.38 and settled 1 account in full for $333. The few other accounts were being paid at $1 per month. They took all there fees out at I believe 25% at full amount of balance of credit card not the settlement amount with a total of $6191.68 most of this is their fees. This is a scam and false claims as they said this would have little impact to our credit - most of our creditors have charged off our account and we can not use them again. We are in process of contacting our creditors to make our own payment terms. We feel as they have not done any thing they stated that they would and are looking for a refund of fees paid to Beyond Finance.

  

  Business Response

  Date: 05/09/2023

  ****************, 
  
  
  Thank you for the opportunity to address your concerns.  We apologize for the frustration and inconvenience you have experienced.
  
  
  In your complaint you expressed dissatisfaction with the handling of your program.
  
  
  We confirmed your enrollment into the program on May 24, 2022.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  Information about the program fees can be located under the section titled "Debt Resolution Agreement" in paragraph 11. (a) "Program Fees".  In reads, in part, as follows: 
  
  
  "Company will not earn any settlement fees for services until: (i) a successful  resolution is received on an enrolled debt; (ii) Client approves the new terms; and (iii) Clients first payment has been made towards new agreed upon terms. 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..."
  
  
  Beyond Finance has processed all fees according to the established expectations.
  
  
  Additionally, information about credit impact can be located under the same section in paragraph 13. "Disclaimer".  It read, 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."
  
  
  Your program will be reviewed for potential eligibility for the Above Lending loan option on a regular basis.  We apologize if there was any miscommunication surrounding the timeframe when this review would take place.
  
  
  We are hopeful this has been able to provide clarity to your concerns.  At this time, Beyond Finance will not be issuing a refund.  Should you have any additional questions, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 05/09/2023

  Was misinformed by their representative. Had to do an immediate docu-sign for contract. Was informed on fees but was told in 3 months that we would qualify for a loan - which was a lie. The waited to do any types of settlements for months at which point a lot of accounts were either charged off or in collections. Was under the impression that loan would pay all fees and accounts. Most accounts were for less than the 50% settlement like they implied. We had one account that we just make settlement arrangements with on our own for better than 50% off balance.

  

  Business Response

  Date: 05/16/2023

  ****************, 
  
  
  Thank you for the continued opportunity to address your concerns.  In your most recent communication you expressed ongoing dissatisfaction with your program.
  
  
  During your enrollment you were advised that you would be eligible for review for the loan option by Above Lending.  Beyond Finance does not make final decisions on loan qualification.
  
  
  Additionally,  information about the expected timeframe of settlements can be located under the section titled "Debt Resolution Agreement" in paragraph 8 "Timing and Program Estimates".  In reads, in part, as follows: 
  
  
  "Further, in our experience it typically takes approximately 4-6 months before reaching the stage at which Company can begin reaching out to creditors or  collectors and achieve your first resolution."
  
  
  Settlement efforts were in alignment with the established expectations.
  
  
  We are hopeful that this additional information has been able to address your concerns.  Should you have any questions, please do not hesitate to contact **.
  
  
  Sincerely,
  Beyond Finance, LLC