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:01/20/2023

  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 went to beyond finance for help and they took on some of my bills nothing to worry bout they said back in September they told me not to talk to any of the business that wld b calling me for payments so I agreed and I didnt they never told me I had to be way behind in any of these bills I always pay on time my credit in September was 640 now its January and its 400 they hurt me more then helped me I have money in my account with them Ive asked for it back so I can pay my bills they said NO I canceled all bills with them so I can get back on track so ppl need to know just how dirty they are and stay far away cause they dont help you but they will take ur money every 2 weeks

  

  Business Response

  Date: 01/27/2023

  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 not being aware that minimum due payments to creditors should stop when joining our program, and over your credit score dropping as a result of enrolling in our program.
  We confirmed your enrollment into the program on September 30, 2022.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing. 
  In the Account Specialists verbal disclosures, they described how the program works and how, in our program, the client stops payments to their creditors and instead makes regular deposits into their dedicated account to be used for future settlements. They also disclosed information regarding potential creditworthiness impact. Additionally, information about both stopping creditor payments and the program potentially adversely affecting a clients creditworthiness can be located in your signed Debt Resolution Agreement under the section titled Disclaimer in paragraph 13.
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  

• Initial Complaint

  Date:01/20/2023

  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.

  This company has made many promises verbally and has not followed through. Every time I call for them to correct their mistakes they point to the ****************************************************** I was told that they would be making two payments a month to my creditor and that they would help lower the interest rate. I was also told that my credit would improve within a year and that most of their customers were able to buy a house after a year of cooperating in their program. What they really do is try to string you along as long as they can to collect their fees. They will tell you anything so that you wont cancel before they are allowed to collect. Then they will make $1 payment to creditor because thats all the contract says that they have to do. ******** I was told a completely different story. Please do not allow them to ruin your credit and life and they did to me. They are not honest. I pray that Justice is served someday soon for their dishonorable business schemes. Id like a refund of all of the fees and for help repairing my credit.

  

  Business Response

  Date: 01/27/2023

  Thank you for the opportunity to address your concerns. We apologize for any frustration you have experienced. In your complaint, you expressed frustration with the impact to your creditworthiness and with your payment schedule. 
  We confirmed your enrollment into the program on June 9, 2021.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you 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. 
  We reached a settlement with your creditor in the amount of 53% of your total balance with them. When settlements are reached, a payment schedule is designed that secures the settlement while still allowing you to build your dedicated account balance for future larger payments and to accommodate the Companys settlement fees and monthly fees associated with your dedicated account. Often, this is achieved by starting off with $1.00 payments to the creditor, then later increasing to larger payment amounts
  In your case, we arranged a payment schedule of 30 payments to your creditor to pay off your settlement amount with them. Of those 30 payments, the first 10 of those are in the amount of $1.00. After those 10 payments are completed, your payment amount increases to $244, then one final payment of $255.16. 
  Since a settlement was reached with one of your creditors, and at least one payment has been made to that creditor, we are entitled to a service fee for that settlement as stated in your Enrollment Agreement located under the section titled "Program Fees" in paragraph 11(a). At this time, Beyond Finance will not be issuing a refund for the service fee, the fees associated with your Dedicated Account, or payments already made to the creditor with whom we reached a settlement.  
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  

• Initial Complaint

  Date:01/13/2023

  Type:Customer Service 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 being sued so I need immediate help. If I dont help with my information I will make it known through all social media how your company ruin my credit and then lost my records. I ask for all my documents I dont know why this is becoming a problem. I dont any access because apparently you change the system. Then to make matters worse none of staff is able to access the old system unable to assist with any help.

  

  Business Response

  Date: 01/20/2023

  Thank you for the opportunity to address your concerns.  We apologize for the frustration you have experienced. In your complaint, you expressed dissatisfaction with not receiving requested documentation.
  Your request has been escalated and we are actively working to deliver the requested documentation to you. We have confirmed that the settlement in question has been paid in full to the creditor, with the last payment being made on September 12, 2020. 
  The settled in full documentation has been requested from the creditor and we will pass it along to you as soon as possible. 
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  

• Initial Complaint

  Date:01/11/2023

  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.

  Explanation of why Sychrony Amazon was not showing paid for over two months when Sychrony Amazon show they accepted the payment from bank account ending in **** confirmation #*********. I have gotten multiple stories at this point and nothing is adding up. I want this taken care of.

  

  Business Response

  Date: 01/19/2023

  Thank you for the opportunity to address your concerns.  We apologize for the frustration you have experienced. In your complaint, you requested an explanation on the status of your ********************* settlement through Beyond Finance. 
  We reviewed your account and the settlement and have determined that the settlement amount has been received in full by the creditor. However, there was a 11/29/2022 payment in the amount of $20.65 that was stuck in transit that was holding up your account from being graduated. We have corrected the issue and, as of 01/18/2023, your account has been graduated.
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  

• Initial Complaint

  Date:01/07/2023

  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.

  An affidavit of Billing Error Notice was mailed to Beyond Finance but they didn't respond back.The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud.CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS:Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.Fair Credit Reporting Act / 15 USC **** - ****************** information.Fair Debt Collections Practice Act / 15 USC **** - Debt collection practices.CFPB ******* Right of Rescission (cancellation).A note is only a promise to pay and not payment ********************** v ******, 131 P 2d 894).15 U.S. Code ****a(1) - Reporting to fake credit bureaus such as Transunion, Experian, and Equifax.18 USC 112/ 5th Amendment - Depriving my liberty as a National of **************************** (8 USC **** (21)) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.42 U.S. Code 408(8)/ 42 U.S. Code **** - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.

  

  Business Response

  Date: 01/13/2023

  Thank you for the opportunity to address your concerns.  We apologize for any frustration you have experienced. 
  In your complaint, you expressed dissatisfaction over a lack of response to a notice sent from you to the Company. You also claim that the Company has violated multiple laws regarding lending and credit bureau reporting. 
  Beyond Finance is not a lender. The service the Company and program provides is debt settlement, not lending. Therefore, the lending laws and regulations mentioned in your complaint, including the Equal Credit Opportunity Act, Truth in Lending Act/Regulation Z, and the Fair Debt Collections Practices Act, do not apply to our services or your program with us.
  Furthermore, the Company does not report any client information to credit bureaus. Credit bureau reporting is a lending practice used by lending companies. Since Beyond Finance is not a lender, credit bureau reporting is not, and never has been, practiced by the Company. The claims included in your complaint regarding credit reporting are inaccurate. 
  We confirmed your enrollment into our program on June 27, 2019. The notice received by the Company from you is dated 11/29/2022. In this notice, you requested the cancellation of your debt settlement program. This request was honored, and your program was terminated on 12/14/2022. 
  Should you have any additional questions or concerns, please do not hesitate to reach out
  
  

  Customer Answer

  Date: 01/13/2023

  Who reported the negative reports to the fake credit bureau such as Experian, Equifax, and Transunion? 15 U.S. Code 1692a(1)

   

  Please tell them to remove it. They violated multiple laws.

  

  Business Response

  Date: 01/17/2023

  Thank you for the opportunity to address your concerns.
  Once again, we assure you that the Company does not participate in credit bureau reporting for any clients, as Beyond is not a lender. 
  If your credit score has lowered as a result of working with us, it could be due to one of two things. First, the company performs a credit inquiry on all clients as part of the enrollment process, which may impact a clients credit score. The Credit Report Pull Authorization, which you signed on 06/27/2019, discloses the possibility of this occurring as a result of the credit pull. Secondly, a clients credit worthiness may be negatively impacted as a result of enrolling in our program. This is stated in your Debt Settlement & *********** Services Agreement Section 13. Disclaimer. 
  If you still believe we have incorrectly and/or negatively reported your information to credit bureaus, please submit documentation with evidence of the occurrence. Documents can be provided to *****************************************************.
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  

• Initial Complaint

  Date:12/27/2022

  Type:Customer Service 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 with this company, Beyond Finance Cft, back in January 2022 to negotiate a debt that I have to reduced the amount owed. Originally *********** were of $197.76. Three months into the program as they call it, I reduced my biweekly deposits to $92.31. Beyond Finance withdrew a total of 24 payments between January 21, 2022 and December 9, 2022, for a grand total of $2,953.59. After their last withdrawal with my checking account on December 9th, I received an email about an amazing opportunity to apply for a loan with a Beyond Finance sister company. I proceeded to log in to my the Beyond Finance Cft customer site, to find out that the only amount that had been accumulating for the year and available to settle any enrolled debt was a mere $251.23. I was shocked! I called Beyond Finance to inquire about the amount displaying as available and was not given a real answer. First I was told that my account had been closed during April 2022 due to lack of funds, meaning, no ACH payments/deposits were successfully made through my bank, which was not accurate. I began to mentioned withdrawal dates starting with December 9, 2022 and backtracking and the representative I was speaking with began to repeat the same dates I was given him by saying I do see a payment on those dates. But how could he if he had just told me my account was closed. In the end I was asked representative to close my account. Closing of account occurred on 12/14/22, which I received email confirmation. A day later I received an email with a New payment schedule for 2023 and approved by me according to the email. And on 12/16/22 I received yet another account closure confirmation, however, today 12/27/22 Beyond Finance withdrew $50 from my checking account under a slightly different name, it went from Beyond Finance Cft to Beyond Finance L. I ask for my money back as no services were completed during the time was in the program with Beyond Finance.

  

  Business Response

  Date: 01/04/2023

  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 the remaining balance in your Dedicated Account, confusion regarding your account status, and a fee withdrawn from your checking account. 
  We have confirmed your enrollment in our program in January 2022. We have also confirmed that your payment history described and total amount of payments made are all accurate. 
  The remaining balance of your Dedicated Account is in part due to payments made to a creditor with whom we made a settlement with your permission and on your behalf. Eight payments in the amount of $242 were made to this creditor from your Dedicated Account. Other reductions in your Dedicated Account are installments for a settlement fee earned by the Company for reaching that settlement and third party fees associated with your Dedicated Account such as a one-time set up fee and monthly service fees.
  Since a settlement was reached with one of your creditors, and at least one payment has been made to that creditor, we are entitled to a settlement fee as stated in your Enrollment Agreement located under the section titled "Program Fees" in paragraph 11(a). At the time your account was closed, that settlement fee was not paid in full. 
  Per your signed Direct Debit Authorization, you agreed to recurring electronic debits from your bank account of $50 each as payment for any Fees that have been earned by Beyond that remain unpaid. You agreed that we may initiate these debit entries on or shortly after the same dates as your normal Beyond program deposits. The $50 fee from your checking account is an installment payment towards the unpaid fee earned by the Company.
  We have confirmed that your account has been closed as of December 2022. 
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  

  Customer Answer

  Date: 01/04/2023

  I wish to stop any and all direct debits as of 01/04/2023. A representative I just spoke with today, stated that looking at the account it does not look like there are any pending fees. 

  Thank you, 

  ****************************************;

  

  Business Response

  Date: 01/05/2023

  This appears to be a duplicate submission. See our original response below:

  Thank you for the opportunity to address your concerns. 
  In your complaint, you expressed dissatisfaction over the remaining balance in your Dedicated Account, confusion regarding your account status, and a fee withdrawn from your checking account. 
  We have confirmed your enrollment in our program in January 2022. We have also confirmed that your payment history described and total amount of payments made are all accurate. 
  The remaining balance of your Dedicated Account is in part due to payments made to a creditor with whom we made a settlement with your permission and on your behalf. Eight payments in the amount of $242 were made to this creditor from your Dedicated Account. Other reductions in your Dedicated Account are installments for a settlement fee earned by the Company for reaching that settlement and third party fees associated with your Dedicated Account such as a one-time set up fee and monthly service fees.
  Since a settlement was reached with one of your creditors, and at least one payment has been made to that creditor, we are entitled to a settlement fee as stated in your Enrollment Agreement located under the section titled "Program Fees" in paragraph 11(a). At the time your account was closed, that settlement fee was not paid in full. 
  Per your signed Direct Debit Authorization, you agreed to recurring electronic debits from your bank account of $50 each as payment for any Fees that have been earned by Beyond that remain unpaid. You agreed that we may initiate these debit entries on or shortly after the same dates as your normal Beyond program deposits. The $50 fee from your checking account is an installment payment towards the unpaid fee earned by the Company.
  We have confirmed that your account has been closed as of December 2022. 
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  

  
  

  Customer Answer

  Date: 01/06/2023

  I wish to retract my authorization for direct debit from my checking account as of 01/04/2023. Please contact me should there be any remaining fees.

  Thank you,

  *************************** *******

• Initial Complaint

  Date:12/27/2022

  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 paid hundreds of dollars and had supplements with three companies. They took out multiple settlement off fees including returning a payment I made to ad Astra and then took that money as another settlement fee. When I canceled service I had $196 in my account on 19 December and today when I requested what my balance return would be, they told me zero I finally highly suspect at the exact amount they say I owed them was to the sent what I had left in my account without giving me any refund whatsoever, and when I asked for details about it, this is the statement they sent me, I asked for further details, including a breakdown of fees for each account, and they said this is all they had. When looking at their app, when you try to look at previous months and get details, it simply says under construction. The fact that I cant actually get any paperwork that shows where these fees have gone and I am supposed to just take a person over the phones word that yes it worked out exactly to the ***** seems highly suspect. I dont trust it and I would like to know where my money has gone or I want my money back.

  

  Business Response

  Date: 01/03/2023

  Thank you for the opportunity to address your concerns.  We apologize for the frustration and inconvenience you have experienced.
  When a settlement is reached with a clients creditor, and at least one payment has been made to that creditor, we are entitled to a service fee for that settlement as stated in your Enrollment Agreement located under the section titled "Program Fees" in paragraph 11(a). We reached settlements with three of your creditors, and at least 1 payment was made to each of these creditors. This means the Company earned 3 settlement fees for reaching settlements with 3 of your creditors. 
  For the settlement reached with Ad Astra, our earned settlement fee is $481.25. Sometimes, the Company takes the earned fee from the Dedicated Account in smaller amounts over time so that we keep funds in your Dedicated Account for other settlements. This was the case with your Ad Astra settlement. We took $110.69 from your Dedicated Account on 12/20/2022 as only part of our settlement fee. When your program was closed, your remaining balance was $96.00. We took this from your Dedicated Account as another portion of our earned settlement fee. 
  In summary, while your account *** appear to have been charged 4 settlement fees for 3 settlements, 2 of the settlement fees listed represent portions of our earned fees for the Ad Astra settlement. 
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  

• Initial Complaint

  Date:12/22/2022

  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.

  My husband and I went into a debt recovery program with beyond finance in March of 2022. In October 2022 they settled and paid two of our last 4 credit card companies. The remaining 2 had already charged off the accounts so, on December 16, 2022, I called beyond finance to close out the program. The representative told me that all other accounts had been paid and that I would receive the remaining balance in my account of $10,064.24 within 7 days. On December 22, 2022 I looked at my account and the balance was down to $9,361.99. There was an additional charge of $702.25 taken out if my account. I called ********************** to see what was going on and after talking to three different people the last person said that there was nothing they could do. I simply want them to stand by their statements and send me my $10,064.24. Thanks, *********************

  

  Business Response

  Date: 12/28/2022

  Thank you for the opportunity to address your concerns.  We apologize for the frustration you have experienced. In your complaint, you expressed concern over the remaining balance in your Dedicated Account. 
  The balance of your Dedicated Account is $9,361.99.  This amount equals your total contributions to your Dedicated Account minus fees earned by the Company, third party fees associated with your Dedicated Account, and payments already made to creditor(s) with whom we reached settlement(s). 
  The $702.25 mentioned is a settlement fee that was earned by the Company for a settlement that you approved on September 22, 2022. Since a settlement was reached and at least one payment has been made to that creditor, we are entitled to a settlement fee as stated in your Debt Resolution Agreement located under the section titled "Program Fees" in paragraph 11(a). All of the established criteria were met prior to Beyond Finance processing the earned settlement fee.
  At this time, Beyond Finance will not be issuing a refund for the earned settlement fee.
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  

  Customer Answer

  Date: 12/28/2022

  The issue is that when I called on the 16th I was told that all fees and payments had been made. She also told me specifically that I would get $10,064.24 within 7 business days. 
  

  Therefore, I am still due the $702.25 that the representative told me I would get. 

  

  Business Response

  Date: 01/05/2023

  Thank you for the opportunity to address your concerns.
  We apologize for misquoting your remaining balance in your Dedicated Account and can assure you that this was an honest mistake. The $702.25 mentioned is a settlement fee that was earned by the Company for a settlement that you approved. Since a settlement was reached and at least one payment has been made to that creditor, we are entitled to a settlement fee as stated in your Debt Resolution Agreement located under the section titled "Program Fees" in paragraph 11(a). All of the established criteria were met prior to Beyond Finance processing the earned settlement fee.
  However, we are truly sorry for the inconvenience caused and are ************ with $100 by way of  apology. Please allow 5-7 business days for this transaction to process.
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  

  Customer Answer

  Date: 01/08/2023

  I have read many complaints on the BBB site and in every one of them you have done people wrong. You continually spew language from agreements. The agreements dont appear to be the issue. Its always where Beyond has misled their customers. Beyond flat out lied to my husband and myself. They didnt save us any money at all. They actually cost us more money than if we had just handled it ourselves. Your representatives also said I would receive a program graduation package within 7 days and its been two weeks and I havent received that either. 
  
  $702.25 is a hefty mistake in my world. $100 doesnt correct a $702.25 mistake. Furthermore, I was suppose to get a call from ***** at Beyond two weeks ago and I have still not gotten that call back. The account that ********************** was using has already been closed at my bank. So, the $100 will never hit that account. So, now what?  
  

  Bottom line, Do what your company and its representatives say youll do. Contact me (*****) at MY phone number that you have in file and we can discuss the issue again and I can give you updated account information for the remainder of the funds that you owe us. 
  

  Thanks,

  **********;

• Initial Complaint

  Date:12/21/2022

  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.

  Started with Beyond almost a year ago. They were to settle debt for me with lower payments. They took money nothing settled. Then with a partner company, was told that a loan that would pay off all the debt would help as they would have all the funds and be able to settle faster. So, I got a $20000 loan for this purpose with Above lending, partner of Beyond. Still 2 accounts didn't get settled, and now.... They will not revoke my POA as asked so these companies will again talk to me, so there is NOTHING I can do. I also need a dissolution letter and they refuse to send me that as well. How am I supposed to pay off anything if the creditor won't talk to me? Something needs to be done. They also won't give me the rest of my left-over money out of my account that is still with them, and they won't close the account either. They just do NOTHING! I keep getting told different stories every time I call in, or chat with them online. I'm getting LIVID! Please do SOMETHING!

  

  Business Response

  Date: 12/28/2022

  Thank you for the opportunity to address your concerns.  We apologize for the frustration you have experienced. In your complaint, you expressed dissatisfaction over a lack of progress with our program, not receiving a POA revocation letter,  and not being able to close your program and receive the remaining balance in your Dedicated Account. 
  While we are happy to have successfully negotiated 3 settlements in your program, we regret that we were unable to reach settlements with each creditor in your program during the duration of your time with us. Despite our reasonable efforts to attempt to resolve enrolled debts, creditor(s)are under no legal obligation to accept our resolution offers as stated in your Debt Resolution Agreement located under the section titled Disclaimer in paragraph 13. 
  Additionally, we have reviewed your account and have seen where you have requested a POA revocation letter on a number of occasions. We sincerely apologize for the delay in actioning your request and assure you that providing you with this letter is a top priority for us. The letter will be sent to both you and the creditor within a couple of business days. We are sorry for the inconvenience caused and are awarding you with $150 by way of  apology. 
  You graduated from our program as of December 27. This means that the remaining balance in your Dedicated Account, along with the additional $150,  will be refunded to your bank account details we hold on file. Please allow 5-7 business days for this transaction to process.
  Once again, thank you for allowing us the opportunity to address your concerns and we hope this response concludes matters to your satisfaction.
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  

  Customer Answer

  Date: 12/31/2022

  Thank you very much for the extra $150, I did graduate and finally did get my money but still NO dissolution letter or poa that I have NOW been waiting 3 weeks for and STILL nothing and I have contacted over and over! This is an urgent matter and they are just not getting me what I need. I have a bank that will not talk to me with out those letters, and this company is just NOT getting me what I asked for in a timely matter and the only answer I get is, I have submitted a request!! 

  

  Business Response

  Date: 01/06/2023

  Thank you for the opportunity to address your concerns. Your request is in the queue to be processed and sent to you and the creditor.Unfortunately, the queue is a bit behind due to the Holidays. We appreciate your patience and sincerely apologize for this delay.

  Customer Answer

  Date: 01/06/2023

  They still have NOT given me the documents I have asked for so I can resume contact with other creditor. I was told again and again via chat and phone that they have a request to the correct team and that's as far as it goes. Then nothing. 

• Initial Complaint

  Date:12/13/2022

  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 with Beyond Finance 6 months ago as they were to consolidate and lower my debt. Ive paid beyond fianc a total of $1500 in the last 6 months to pay off my debt. I checked my credit score and my credit dropped to 384 (over 300 points in 6 months). I reached out to beyond finance about my concern and that I needed to cancel. They said they would cancel my account but they will not give me a full refund. They have not helped me as promised and I am in a worst spot than I was 6 months ago. I begged for them to help me and to issue the full refund and they told me they needed to be paid for there services. They did not help me at all. This will take years for me to try to get back to my previous credit score because of there lack of help and promises they couldnt keep. The money I paid they was placed in a dedicated account to be used for negotiation but nothing has taken place. I need a full refund of $1500 from beyond finance and documentation that I paid them twice a month for the past 6 months to lower and resolve my debt.

  

  Business Response

  Date: 12/27/2022

  Thank you for the opportunity to address your concerns.  We apologize for the frustration you have experienced. In your complaint, you expressed dissatisfaction over your credit score dropping as a result of enrolling in our program and over a lack of progress with the program.  You are requesting a refund in the amount of $1,500.

  
  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.  Additionally, information about the program potentially adversely affecting a clients creditworthiness can be located under the section titled Disclaimer in paragraph 13.

  
  You are entitled to all funds in your Dedicated Account. This amount equals your total contributions to your Dedicated Account minus fees earned by the Company,third party fees associated with your Dedicated Account, and payments already made to the creditor with whom we reached a settlement. Since a settlement was reached with one of your creditors, and at least one payment has been made to that creditor, we are entitled to a service fee for that settlement as stated in your Debt Resolution Agreement located under the section titled "Program Fees" in paragraph 11(a). All the established criteria were met prior to Beyond Finance processing the earned fee. We are not required to refund the service fee due to your withdrawal from our program as stated in your Debt Resolution Agreement located under the section titled Withdrawal from the Program in paragraph 17.

  
  The remaining balance in your Dedicated Account was withdrawn on December 14, 2022. At this time, Beyond Finance will not be issuing a refund for the earned service fee,the third-party fees associated with your Dedicated Account, or payments already made to the creditor with whom we reached a settlement. 

  
  Should you have any additional questions or concerns, please do not hesitate to reach out.