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:03/04/2023

  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.

  5 years ago I hired Beyond Finance to pay off my debt and withdraw monthly payments of $384..57 from my checking account. I hired Beyond because I had had a Heart Attack and was not able to work and pay off my debts as they were. Beyond told me that they would settle all debt in 4 years, but this is not my issue. At this point only one creditor remains, Citibank, which has recently settled for *******. This was on 2/22/23. Beyond told me that my account at beyond currently totaled $2054.24. I calculated that with 7 more payments to Beyond of ****** I will have enough funds in my Beyond account for Beyond to pay off ********* and deduct their own fees totaling *******, by Oct. 30, 2023, leaving a balance on my Beyond account of $405.90. However Beyond Finance wants to continue to withdraw $****** through to and past the beginning of ****. This is thievery. Beyond has had their representative call my repeatedly, 5 times now, and I feel harassed. I told them that my agreement is that they continue to withdraw $****** monthly from my account through October 2023 and that they pay off the Citibank Account by the end of October, and pay their service fee of $*******. This would leave a balance of $405.90 in my account at Beyond.

  

  Business Response

  Date: 03/10/2023

  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 over the way in which one of your settlement offers was structured.  The settlement in question was the offer on your Citybank account.  The offer details were as follows:
  
  
  Offer Amount: $2,973.00 in 19 pays

  Beyond's Fee: $1,367.58
  
  
  Our records indicate that you rejected this offer due to the length of payments.  Our negotiations department will continue to work to reach a settlement offer on this account.  For your consideration, please keep in mind that once your dedicated savings account contains enough to pay off the remaining balance of your settlement and fees owed, you can request that a payoff payment be made. 
  
  
  We hope that we have been able to provide some clarity to your concerns.  Should you have any additional questions, please do not hesitate to reach out.
  
  
  Sincerely, 
  Beyond Finance, LLC 

• Initial Complaint

  Date:03/03/2023

  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 am about to be charged $230.37 on 3/7 by Beyond Finance. I was going to try their service, but I changed my mind. They will not respond via chat. i want this program cancelled before my bank gets automatically charged.

  

  Business Response

  Date: 03/08/2023

  ******************, 
  
  
  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 termination process.  You are requesting that your program be terminated.
  
  
  Our records indicate that you spoke with an agent on March 3, 2023 and your program has been successfully terminated.  Should you need further assistance please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:02/28/2023

  Type:Product 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.

  Beyond Finance did not fully disclose or communicate with account holders all information regarding the agreement and processes of the contracted services, service fees and the disbursement of fees, cancelation processes and associated fees related to settlement, and fees related to unsettled debts related to cancelation of the program. Beyond Finance stated during the initial signing of the contract there would be no fees or settlement fees for account canceled at any point during the program. Beyond Finance was not willing to negotiate settlement fees for incomplete settlements. Account holders were of the understanding that there are no settlement fees for unresolved and incomplete settlements in the program. Beyond Finance representative clarified all fees were not applied to the account until the account was settled and the customer satisfaction was met.On three different occasions, Beyond Finance did not disclose or update contract agreements when removing settlement accounts and did not provide accurately update account information prior to removing accounts. Each incident, an account holder had to advocate accurate information to Beyond Finance to adjust account funding and disbursements.Beyond Finance is refusing to reimburse funds in shared account to account holders. They state we owe settlement amount to an incomplete settlement. No information was provided about settlement amount, nor it being due immediately at time of closing the account. Beyond Finance advertised and communicated through company representative "money back guarantee" at time of signing, including "any fees associated with settlements."

  

  Business Response

  Date: 03/06/2023

  Thank you for the opportunity to address your concerns. We apologize for any frustration you have experienced. 
  In your complaint, you expressed frustration over the fees associated with Beyonds debt settlement program, and the disclosure of those fees. The fees associated with the program are outlined below:
  There are no fees for signing up for the program. Beyond will not earn any settlement fees for our services until (1) we reach a settlement with a creditor for one of your enrolled debts, (2) the client approves the settlement, and (3) the first payment is applied towards that settlement. Since we reached settlements on 3 of your enrolled debts, and at least 1 payment has been made towards each of those settlements, Beyond is entitled to a settlement fee for each. This information is outlined in section 11a (Program Fees) of your Debt Resolution Agreement. 
  As outlined in section 17 (Withdrawal from the Program), there are no penalties or obligations associated with canceling the program. However, upon cancellation Beyond is entitled to any unpaid settlement fee that was earned prior to cancellation. Any unpaid fees will be deducted from the clients remaining balance in their dedicated account prior to disbursement. Furthermore, if the remaining dedicated account balance does not cover the full unpaid fee amount, electronic debits will occur from your bank account provided in the amount of $50 until the remaining fees have been paid, as stated in your signed Direct Debit Authorization. 
  Finally, there are service fees associated with your third-party dedicated account with CFTPay. These fees were listed in your CFTPay Account Agreement and consist of a one-time account set up fee of $9.95 and monthly account service fee of $10.75. 
  We hope this clears up any confusion regarding the fees associated with the program. If you have any further questions or concerns, please do not hesitate to reach out.
  
  

  Customer Answer

  Date: 03/06/2023

  This message does not address the core of my concerns in the following areas:

  1. Authorization/Settlement approval - I was never notified, nor approved to the settlement offer. I am the primary on the account.

   

  2. Customer Satisfaction guaranteed or your money back a Beyond Finance rep stated a if we were not satisfied with the program, we could opt out of the program free of any charges and settlement fees. Please honor what your representative stated. ******* stated we could cancel anytime without penalty (including settlement fees).

   

  3. General: I have called numerous times about a single situation, each time receiving a vastly different responses to resolving the same issue. There have been numerous incidences, each one requiring several conversations to resolve the issue. There is more confusion using your company to settle debt, I am unhappy with the services that have been provided. I am requesting a refund of all services, settlement fees, any other fees associated with our account. Please all funds in the dedicated account back to the account holder's bank account immediately. 

  

  Business Response

  Date: 03/10/2023

  **************, 
  
  Thank you for the continued opportunity to address your concerns.  In your most recent communication, you reiterated your dissatisfaction with the fees charged in relation to your program.
  
  
  
  Review of your account shows you have been in contact with an Account Manager in regards to this matter.  The account manager confirmed that the settlement was approved via text message, however we understand that it may have been reviewed by the other party on the program and not yourself.  The account manager advised that Beyond Finance will be willing to cancel the settlement in question and refund the fees related to it.  
  
  
  Once the settlement has been fully canceled the Account Manager will initiate the refund process.  Once the refund process has been initiated, you can expect to see the funds in 5-7 business days.  
  
  
  We appreciate your patience and are hopeful this is a satisfactory resolution to your concerns.  Should you have any questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 03/13/2023

  
  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:02/27/2023

  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 contacted by Beyond Finance asking if I had credit card debit. At the time I was paying all my credit cards minimum payments. They told me they could help me get my credit card balances under control. They asked what I owed on each one I told them. They said they could help me get a lower payment. They figured out how much my debt was I was to pay them $380 a month. They would put my money in a holding account so when the credit card companies came up with a lower balance I would have money to pay off the accounts. Well I thought everything was going great, thought I was paying off the credit cards and such. I was contacted by a lending company thats affiliated with Beyond Finance called Beyond Lending twice the first time I told them no thank you at this time. Then the called me a second time saying I had only two accounts left to pay for. That I could take out loan for $11,000 whatever I didnt use would go back to me. I could use it to put back on my loan. Which never happened because Beyond Finance took the money I got from loan and paid all the credit card companies off. All the money I paid in before the loan, they just placed fees on it. Astronomical amounts. Which eat up all the money I paid to them the entire time I paid them which was $8000 for almost 2 years. Now I am stuck paying a loan for another 5 years after just paying 2 years already.

  

  Business Response

  Date: 03/01/2023

  Thank you for the opportunity to address your concerns. We apologize for any frustration you have experienced. 
  We have confirmed your enrollment into Beyond Finances debt settlement program as of November 3, 2020.  During your time in our program, you deposited a total of $8,250.89 through regularly scheduled deposits. Additionally, a deposit from Above Lending in the amount of $8,568.67 was received into your dedicated account on August 11, 2022. 
  The debits from your dedicated account are outlined below:
  Settlements were reached with 8 of your creditors. The total combined amount of payments made to those creditors is $11,095.82. For each of those settlements, Beyond Finance earned a settlement fee of 25% of your enrolled debt amounts. The settlement fees earned during your program equals $5,084.76. More information regarding settlement fees can be found in your section 11.a of your Client Enrollment Agreement. 
  There were 2 fees associated with your dedicated account. The first is a one-time account set-up fee in the amount of $9.95. The second is a service fee that is charged monthly and is in the amount of $10.75. The total combined amount of these fees is $267.95. More information regarding these fees can be found in your CFTPay Account Agreement. 
  Finally, at the time of your enrollment, you opted into the ***************** Club membership. The cost of this membership is $14.95 per month and is debited from your dedicated account. The total amount paid for this membership is $284.05. More information regarding this fee and membership can be found in your ***************** ********** Agreement. 
  We hope this clarifies your dedicated account balance. If you have any additional questions or concerns, please do not hesitate to reach out.
  
  

• Initial Complaint

  Date:02/24/2023

  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 entered into an agreement with beyond finance to settle my debt. On 9/14/22 They charged me $14.95 a month in order to pay for legal services to *************** to provide debt relief. I only made one payment which was not enough to pay for any of the debt yet I was still charged the **** a month and it was not utilized at all as they didn't need to contact any lawyers on my behalf. I would just like this money refunded as it was to provide a service and they didn't use it accordingly.

  

  Business Response

  Date: 03/01/2023

  Thank you for the opportunity to address your concerns. We apologize for any frustration you have experienced. 
  At the time of your program enrollment with Beyond Finance, you opted to enroll in ***************** (BLP) *********** which provides limited legal services to its members such as discounted fees for common legal matters, identity theft monitoring, and assistance in connection to your debt settlement program for a monthly fee.
  The monthly fee for BLP is $14.95. This fee is charged each month from your dedicated account. This fee in part goes to a lawyer or law firm to secure the availability of the law firms services IF you should need it during the duration of your program. Services are not necessarily used for each settlement reached; it is used on an as needed basis, such as when working with an aggressive creditor, for example. 
  Details of the fees and what the service provides is detailed in your ***************** ********** Agreement, which you signed on September 4, 2022. 
  At this time, a refund is not owed. 
  If you have any further questions or concerns, please do not hesitate to reach out.
  
  

• Initial Complaint

  Date:02/13/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I chose to cancel the debt resolution program due to being told 2 accounts that I had no knowledge of were mine.i immediately contacted beyond finance concerned that it was fraud. They insisted the accounts were mine disregarded my explanation that they were not my accounts. I was concerned that their site was hacked.they denied it.i chose to cancel my program and demanded my money back asap.i have been hit with excuses and delaying techniques instead of just cancelation and refund.

  

  Business Response

  Date: 02/20/2023

  Thank you for the opportunity to address your concerns. We apologize for any frustration you have experienced. 
  In your enrollment package, your enrolled debts were listed in the Schedule A - List of Creditors and Debt & Program Details page. This list was reviewed and signed by you on October 24, 2022. If you believe that one or more of the debts enrolled is not yours and was taken out using your personal information and without your permission, please go to the ************************ website at ***************************** and complete an online identity theft form. Please submit the completed form to the creditors in question. 
  Per your request, your program has been terminated as of February 14, 2023. There is no refund available to issue, as your dedicated account balance is $0.
  If you have any further questions or concerns, please do not hesitate to reach out.
  
  

  Customer Answer

  Date: 02/20/2023

  I canceled  February 10 2023 not the 14th.also they insisted those fraudulent  accounts were mine and they claim they checked.my dedicated  account had $290. In it .no alleged fees were ever discussed  prior to the start of this program.its amazing  job they managed to use my entire account for their fraudulent  fees.i want my $290 refunded.this is theft  from senior citizens. 

  

  Business Response

  Date: 02/24/2023

  Thank you for the opportunity to address your concerns. 
  We have confirmed that your request to cancel your program was received via webchat on February 10. The request was submitted on that day. Our previous response stated that your account was closed on February 14. It takes several days to update your account status, so the 14th was the day it was officially closed in our system. 
  As previously stated, if you believe that one or more of the debts enrolled is not yours and was taken out using your personal information and without your permission, please go to the ************************ website at ***************************** and complete an online identity theft form. Please submit the completed form to the creditors in question. 
  The fees associated with our program are outlined in the enrollment call and accompanying documentation. Deductions from your dedicated account include 2 payments to 1 of your creditors, a one-time account set up fee, monthly fees associated with your dedicated account, as well as Beyonds earned settlement fee for reaching a settlement with 1 of your creditors. 
  However, we regret your negative experience and any frustration you have faced. As a gesture of goodwill, we have made the decision to refund you in the amount of $848.76, which is the total amount of deposits you have made into your dedicated account.  
  If you have any further questions or concerns, please do not hesitate to reach out.
  
  

  Customer Answer

  Date: 03/02/2023

  
  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:02/08/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is a debt settlement company. My debt was paid in full in December. I called they stated last withdrawal from my account would be ******** I ask for it in email. Never received email. On their dashboard it showed another payment coming out in Feb. I called. They stated that was the last payment and it would be $60. Again I asked for an email. Got no email. Called them back on speaker phone. With witnesses in room. Let them know they were on speaker with witnesses. I ask for it in email multiple times. They kept saying before they could send emai it had to be approved. I was on hold. They said they got the approval. They would send email showing last payment of $60 & none after. They now have on their site. Scheduled another $288.45 withdrawal for March. They were paid in full December 3rd 2022. I have a file of pictures. Where their dashboard website just lies or scams.

  

  Business Response

  Date: 02/14/2023

  Thank you for the opportunity to address your concerns. We apologize for any frustration you have experienced. 
  We have confirmed your enrollment in the program on May 7, 2021. During your time in the program, we reached settlements with 3 of your creditors and those settlements are paid in full. However, settlement fee payments are still owed to the Company. 
  Currently, there are 2 fee payments due to the Company that are scheduled to process from your dedicated account. When the Companys earned settlement fees are paid, your program will be graduated. 
  If you have any further questions or concerns, please do not hesitate to reach out.
  
  

  Customer Answer

  Date: 02/14/2023

  rejected untill you can put the exact amounts you wish to withdraw in order close the account.  I have requested this information on multiple dates, yet the emails never state what was said over the phone. I've spent a lot of time dealing with this over and over. Send the exact amount you believe you are owed. I will forward it to my attorney, and act accordingly to his advice.  If he agrees to the amount and terms. Easily fixed, ill send a check.  There will be no further automatic payments.  

  

  Business Response

  Date: 02/21/2023

  Thank you for the opportunity to address your concerns. We apologize for any frustration you have experienced. 
  Per our records, the amount of your outstanding fees due is $326.22. There are two payments currently scheduled to satisfy these fees: The first of these payments is scheduled for March 7 in the amount of $262.75 and the second is scheduled for April 7 in the amount of $63.47. 
  If you have any further questions or concerns, please do not hesitate to reach out.
  
  

  Customer Answer

  Date: 02/27/2023

  
  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:02/04/2023

  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 have tried to reach Beyond Finance to get "proof of payments" that hav been made to certain creditors been unable to do so.I been able to contact them by phone only to get no father than the" Specialist" who can never seem to help.I called told her my situation could I talk with a manager or whom ever was in charge besides her,each time I am put on hold 3 to 5 minute.when she comes back *** told someone would reach out to me.Like a fool iam still waiting. I finished the program in February of 2022, did it help my credit score?no.Did I get some creditors paid off?yes.But I still have creditors contacting me on accounts that Beyond Finance supposed to have settled.*******s that are threatening collections.Out of fairness I will not name the company that's trying to collect for I feel they are in the dark also.My credit report shows this ******* ************** charged off.You Beyond Finance shows a settlement agreement reached between me and the ************ of a certain amount which is totally different from the sign agreement,I repeat totally different. I personally feel there is a miss communication going on. By the BBB you (Beyond Finance) is rated B+ I don't understand how,when you can't get a company to reach out and discuss the issuers at hand .Contact me *****************..I will be forwarding a copy of this to the ************ The BBB and to the collection agency.

  

  Business Response

  Date: 02/10/2023

  Thank you for the opportunity to address your concerns. We apologize for any frustration that you have experienced. 
  We have confirmed your enrollment on January 14, 2020. During your time in the program, we reached settlements with all but 1 of your enrolled creditors, and those settlements have been paid in full. Congratulations on your program progress and success!
  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you and disclosed the potential of your credit score temporarily dropping prior to your signing.  Information about the program potentially adversely affecting a clients creditworthiness can be located under the section titled Disclaimer in paragraph 13. 
  Our records indicate that we reached a settlement agreement with ************ for 45% of your original debt amount, which you approved on March 26, 2020. Both the settlement letter from ************ and the settlement in our system indicates the same dollar amount for the settlement, and your account ledger shows that the exact agreed upon amount was paid over **************************************************** full letter was sent to you on February 10, 2022 for you to forward to the creditor. Please use this letter as proof to the creditor that you have paid your settlement arrangement in full. 
  If you have any additional questions or concerns, please do not hesitate to reach out.
  
  

• Initial Complaint

  Date:02/03/2023

  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.

  In November of 2022 I completed my financial obligations with Beyond Finance. The contract was for debt consolidation and Beyond Finance offered me a four year contract of $219.00 per month(48months) to settle two debt accounts I had. This began November 2018. Each payment was drafted from my account each month. I paid each one without fail. I had my bank confirm that all 48 payments had been made on time as contracted. I then put a stop payment on that draft at my own expense because this company had tried to trick me into furthering my payments but failed to do so. I turned them into the BBB and sent you a copy of that letter they tried to use just a year ago or so. Sure enough, Beyond Finance again tried to draft my account the last two months even though I have settled my account with them. They have been unable to draft further payments but the fact that they have tried violated our contract!!!

  

  Business Response

  Date: 02/08/2023

  Thank you for the opportunity to address your concerns. We apologize for any frustration that you have experienced. 
  We have confirmed your enrollment into the program on October 22, 2018. Since youve started the program, we have settled 1 of your debts, which has been paid in full from your dedicated account. The amount of time quoted to complete the program is an estimate based on the experience of the Company, but is not guaranteed. Currently, your program has 1 outstanding debt to settle. We have reached settlement agreements with this creditor, with the most recent offer being from February 2, 2023, but have not been able to reach you for approval. 
  Drafts to your dedicated account have continued because you are still enrolled in our program and we are still actively attempting to settle your last debt. 
  Please contact customer support at ************ to help us resolve your last debt. 
  If you have any additional questions or concerns, please do not hesitate to reach out. 
  
  

• Initial Complaint

  Date:01/29/2023

  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.

  Agreement between I, the customer and ********************** began in July, 2022. The initial agreement included a monthly payment of $85.00. By August, Beyond Finance changed the agreement to semi-monthly payments totalling ******. Agreements were constantly altered without my authority and ACH withdrawals occurred despite several attempts to agree with Beyond Finance to withhold withdrawals. Upon viewing my attached bank statements, the ** clearly sees a total of $1248.58 was made to Beyond Finance. Services rendered equal $160.00 to Ad Astra Recovery. Every transaction with this company required a phone call due to misinformation and unexplained transactions. They seemed to withhold resolving my debt needs due to jealousy as the black population has always seemed to exude this feeling towards me. This was ***************** to mess up my finances. And they did. I want a refund in the amount of $1085.51 ASAP.

  

  Business Response

  Date: 02/06/2023

  Thank you for the opportunity to address your concerns. 
  We have confirmed your enrollment into our program on July 22, 2022. We can confirm that at the time of your enrollment, you agreed to a bi-weekly payment schedule in the amount of $83.45 beginning on August 3.  
  Shortly after enrollment, you added 2 more enrolled debts to your program. This addition increased your monthly payment amount. On August 8, you worked with an agent to find a more accommodating payment schedule, which was resolved by extending your program to 55 months and updating your payment schedule from bi-weekly to semi-monthly. These changes updated your payment amount to $183.80. All changes were made with your awareness and agreement, and a notification was sent to you reflecting the changes.
  We regret that you feel your program progress has been intentionally impeded. Please note that we did reach settlement agreements with 3 of your creditors during your time in our program, with the first settlement being reached only 1 month after your enrollment. This is faster than the typical timing required to reach a first settlement, which usually takes 4-6 months. We reached a total of 3 settlements in your program during your approximately 6 months of enrollment - your program was right on track.
  At this time, you are not eligible for a refund. All fees were charged in accordance with section 11.a (Program Fees) of your signed Debt Resolution Agreement and in your signed CFTPay Account Agreement. 
  We take pride in delivering the best possible results for all of our clients and take negative feedback seriously. It is our policy that no employee shall discriminate against anyone. After reviewing your account interactions, we have determined that no discrimination occurred. Our representatives performed in alignment with our company policies and values. 
  If you have additional questions or concerns, please do not hesitate to reach out.