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:09/26/2022

  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 began working with Beyond credit to reduce and manage debt. I have paid them for the initial payment of $454 monthly, in increments, and unfortunately they have not even begun to negotiate although they have my money. Anytime I call I get really nasty customer service. I followed up with them today because I got a request for a settlement from Netcredit before theyve even begun working with Credit One. This is what the associate ****** said to me when I sought clear guidance and resolve this is in the agreement you signed. What i would like to see happen is that my funds and a settlement be made with credit one and going forward there is more transparency and action on my account. If this does not happen Im looking for a new company and demanding a refund my my money.

  

  Business Response

  Date: 10/03/2022

  ******************,
  
  
  Thank you for the opportunity to address your concerns.  We apologize for the inconvenience and frustration you have experienced.
  
  
  In your complaint you expressed dissatisfaction with the progress of your program.
  
  
  We confirmed your enrollment into the program on July 15, 2022.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  Information about your program progress 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. If the Client has multiple debts, Company typically will make an offer to the next creditor within approximately 3-6 months of when the prior debt was resolved and after the Client has saved 40%-50% of the debt due to the next creditor. This is just an estimate based on past results, and is not Intended, nor is it possible, to apply to every case."
  
  
  Your first settlement was reached within three months of your enrollment into the program, which is within the established expectations.  Our team of experienced negotiators work to resolve your enrolled accounts in an order that best suits your available funds and program length.
  
  
  We hope this has provided clarity to your concerns.  Should you have any additional questions please do not hesitate to contact us.
  
  
  Sincerely, 
  Beyond Finance, LLC

  Customer Answer

  Date: 10/03/2022

  this does not resolve that they very first account that they were projected to begin settling is *************** which they have the full requested amount of $454, stored. So why have resolution specialists not begin to work with Credit one when it has been that 3-6 month window. They could, at very least, notify them of the request to settle, which they have not. The account that you are referring to, which requested to settle is Net Credit and that is because I disputed with the better business bureau when they initially refused to work with you all and not because of anything of your doing.  None the less, since credit one bank was the first account you all said was being addressed then why has no negotiation process began? I began working on accounts with you all in June, it is now October, thats 5 months with no negotiation with credit one. This is within that 4-6 month window you mentioned. 

  

  Business Response

  Date: 10/12/2022

  Ms. *******, 
  
  
  Thank you for the continued opportunity to address your concerns.
  
  
  Our negotiations department utilizes historic norms as well as accumulated funds to best determine when to initiate negotiation efforts with a creditor.  While an account may be projected to be negotiated, that is not a guarantee. 
  
  
  Rest assured that our experienced team of negotiators will make every effort to reach the most optimal settlements for all of your enrolled accounts.
  
  
  Should you have any additional questions or concerns, please do not hesitate to contact us.
  
  
  Sincerely, 
  Beyond Finance, LLC

  Customer Answer

  Date: 10/14/2022

  when will they begin negotiating with credit one? It has been longer than the 4-6 month window. They have received payment from me. The generic answer will not work with me. When can a manager reach out to me or an actual person? 

• Initial Complaint

  Date:09/25/2022

  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.

  I need some explanation as to why after 18 months only one account paid off?

  

  Business Response

  Date: 10/03/2022

  Ms. Athekame, 
  
  
  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 progress of your program.
  
  
  We confirmed your enrollment into the program on March 8, 2020.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  Your enrollment agreement reflects an estimated program length of 48 months.  Information about the estimated length of your program is provided under the section titled "Program Snapshot".  In reads in part as follows:
  
  
  "We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time."
  
  
  Additional detail can be found in the section titled "Debt Settlement & *********** Services Agreement " under paragraph 8. "Timing and Amount of Settlement Offers".  It reads in part as follows:
  
  
  " While settlement guidelines differ widely among Creditors, in our experience an accumulation of 25% of the then-current balance of a Debt will normally enable us to make a good-faith offer to settle that Debt. Further, in our experience it typically takes approximately ****** days before reaching the stage at which Company can begin reaching out to creditors or collectors and achieve your first settlement."
  
  
  Your program is progressing in alignment with the expectations established in your enrollment agreement.  
  
  
  We hope this has provided clarity to your concerns.  Should you have any additional questions please do not hesitate to contact us.
  
  
  Sincerely, 
  Beyond Finance, LLC
  
  

  Customer Answer

  Date: 10/03/2022

  cancelled account need my refund 

  

  Business Response

  Date: 10/12/2022

  Ms. ******************************** you for the continued opportunity to address your concerns.  In your most recent communication, you requested termination of your program and a refund.
  
  
  Your program was terminated on October 5, 2022.  You had a program payment that was in transit at the time of your requested refund.  This payment has since been posted to your account and a refund in the amount of $424.52 has been issued.  Please allow 5-7 business days for these funds to appear in your account.
  
  
  We hope this is a satisfactory resolution to your issue.  Should you have any questions or concerns please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:09/21/2022

  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.

  Name: *************************** Signed up for debt relief program and completed program. Beyond finance has reported my debt to all three credit bureaus as charge-offs instead of having the items completely from my credit reports.

  

  Business Response

  Date: 09/22/2022

  ******************, 
  
  
  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 manner in which your enrolled accounts are reflecting on your credit report.
  
  
  We confirmed your enrollment into the program on April 3, 2020.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  Beyond Finance does not assume your debt upon enrollment and is not a credit repair agency.  This information is provided under the section titled "Program Snapshot".  In reads in part as follows:
  
  
  "We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services."
  
  
  
  Beyond Finance does not report to the credit bureaus.  The manner in which your creditor reports your debts is solely their decision.  Should you feel there are inaccuracies with the manner in which the debt is being reported, you can dispute that directly through the credit reporting agency.   
  
  
  We hope this has provided clarity to your concerns.  Should you have any additional questions please do not hesitate to contact us.
  
  
  Sincerely, 
  Beyond Finance, LLC

  Customer Answer

  Date: 09/22/2022

  No resolution. 

  

  Business Response

  Date: 09/23/2022

  ******************, 
  
  
  Thank you for the continued opportunity to address your concerns.  Your most recent communication did not contain any detail as to why the explanation offered was not satisfactory.  In order to best assist your concerns, please provide us with some additional detail.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 09/29/2022

  Get in contact with all three credit bureau's and have them remove negative items off of credit report on my credit report. Beyond finance is the reason why I have 2 negative items on bnb my credit report.

• Initial Complaint

  Date:09/17/2022

  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.

  I signed up to have Beyond correct my credit. The Discover debt is still being settled and I am being sued in small claims court because Beyond failed to come to an agreement with Discover. The person I spoke with named ****** said any issues with the courts is my problem. I just want Beyond to settle with Discover.

  

  Business Response

  Date: 09/22/2022

  ******************,
  
  
  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 enrolled Discover account.  
  
  
  We confirmed your enrollment into the program on October 25, 2021.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  The information about creditor litigation is covered under the section titled "Debt Resolution Agreement" in paragraph 13. "Disclaimer".  It reads in part as follows: 
  
  
  "Clients enrolling in the Program may be subject to collections or sued by their creditors or debt collectors for nonpayment and Client must take this into consideration when determining whether or not to enroll in the Program. Although services provided by the Company aim to reduce the Clients outstanding debts with creditors, the Company cannot prevent a creditor from taking legal action against them, and the Company cannot offer any guarantee whatsoever that legal actions will not be commenced by the Clients creditors."
  
  
  Additionally, information about legal advice is covered in paragraph 10. "No Legal or Tax Advice".  It reads in part as follows:
  
  
  "The Client acknowledges that the Company is not a law firm, and that NO LEGAL OR TAX ADVICE CAN OR WILL BE PROVIDED UNDER THIS AGREEMENT."
  
  
  During your interaction with the agent, they advised we are unable to provide legal advice but recommended that you take advantage of the options under your ***************** Legal Club.  Beyond Finance will continue efforts to reach a settlement on this account.
  
  
  We hope this has provided clarity to your concerns.  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC  

• Initial Complaint

  Date:09/12/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Beyond Finance took a total of 4 large withdrawls from my bank account, saying it was to pay for fees associated with the debt that was enrolled in their program. According to the contract, they charge 25% for service fees. My enrolled debt was $6630.00 and 25% of this is $1657.50.On 11/17/21 I initiated large deposits on a weekly basis. Within the few months and prior to service performed in full, Beyond Finance took out multiple withdrawls for fees. The four largest and totaling the 25% were:01/08/22 - $519.68 01/25/22 - $156.14 02/09/22 - $804.22 03/09/22 - $176.86 Total = $1656.90, nearly the 25% total paid by early March 2022, it is now September 2022.I even deposited 2k just 3 weeks ago and have been making payments to this service since nearly a year and to date no debts have been resolved. I believe this company is front loading fees and not performing the serivce as agreed. I am requesting a refund in full as the fees were charged up front with no services performed and little to no customer assistance during the length of the program. When I pay for a service, I would assume it would be done in some fair time, a year is too long for nothing to happen.

  

  Business Response

  Date: 09/15/2022

  ****************, 
  
  
  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 fees related to your program.  
  
  
  We confirmed your enrollment into the program on November 16, 2021.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  The information about program fees is covered under the section titled "Debt Resolution Agreement" in paragraph 11. (a) "Program Fees".  It reads in part as follows: 
  
  "Program fees are due and earned when: (i) the Company reaches a resolution on an enrolled debt with a creditor, (ii) the Client accepts and agrees to the new terms, and (iii) the first payment of the new agreed upon terms is made to the creditor"
  
  
  Review of your program determined that you were in two active settlements at the time of your requested termination on April 7, 2022.  These accounts had met the criteria for Beyond Finance to earn our fee and that fee has been taken in full by the time you requested to terminate.  The processing of your requested termination resulted in the loss of those settlements.  Upon your requested reinstatement, Beyond Finance restarted negotiation efforts on these accounts.
  
  
  Upon successful renegotiation, you will not be charged an additional program fee.  We hope this has provided clarity to your concerns.  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 09/16/2022

  Hello Sir,

  Thanks you for the prompt response.

  I am am afraid I will need to regject this due to lack of information on how these debts were being worked on with the actual creditior or for myself at that matter. As much as I appreciate your detailed email on the events that occured, I had no interaction as to what was being settled, only that I needed to build up to an estimated debt that you took 100% fees on up front upon. Regardless of our contract, it is illegal to charge upfront fees as part of the Debt ****** Services & the Telemarketing Sales Rule listed here under FTC law, https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business.

   

  Therefore, regardless if there are fees or payments at this time, I feel that my money should be given back in full. There has been nothing done to date since the beginning of our contract and I feel the fair answer is for a full refund so I can move along and we can put this matter beyond us.

  I ran my calculations on our records and found my total amount spent to date on this project is $6,285.30 and I am requesting a full refund at thsi time as no services were performed in nearly a year.

  Here is a breakdown of each transaction.

  12/05/21 $603.33
  01/05/22 $603.33
  02/03/22 $200.00
  02/09/22 $403.33
  03/05/22 $603.33
  04/05/22 $603.33
  04/09/22 $884.90
  04/09/22 $100.00
  05/03/22 $110.75
  06/03/22 $110.75
  07/03/22 $20.75
  08/03/22 $20.75
  08/20/22 $2,000.00
  09/03/22 $20.75
  
  Total $6,285.30

  

  Business Response

  Date: 09/22/2022

  ****************, 
  
  
  Thank you for the continued opportunity to address your concerns.  In your most recent communication you are asserting that Beyond Finance took up front fees and are requesting a refund in the amount of $6,285.30.
  
  
  Review of your account determined that you approved two settlements on your program prior to your requested termination on April 7, 2022.  The details on those authorized settlements are as follows:
  
  
  Portfolio Recovery Associates
  Settlement Authorized by you on December 9, 2021
  Balance at time of Settlement: $5,298.00
  Settlement Offer: $2,649.00
  Fee Amount: $1,324.50
  First Payment Date: January 6, 2022
  
  
  Verizon being handled by Credit Control, LLC
  Settlement Authorized by you on January 14, 2022
  Balance at time of Settlement: $1,332.00
  Settlement Offer: $600.00
  Fee Amount: $333.00
  First Payment Date: January 24, 2022
  
  
  The information about program fees is covered under the section titled "Debt Resolution Agreement" in paragraph 11. (a) "Program Fees" of your Enrollment Agreement.  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"
  
  
  
  Per the enrollment agreement, Beyond Finance met all established criteria to earn our fee.  No upfront fee was taken, fees were only processed after the first payment on each settlement had been made.
  
  
  Since your reinstatement, Beyond Finance has continued to work to settle your remaining enrolled debts.  Rest assured that upon successful renegotiation of these two creditors, you will not be charged an additional program fee as it has already been paid in full.
  
  
  At this time Beyond Finance will not be issuing a refund.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 09/23/2022

  
  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:09/10/2022

  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.

  Beyond will not refund my remaining funds! I have been lied to multiple times in 2 weeks. They are violating their own signed agreement. They are blaming their sister company for the whole blunder, which I find unacceptable since I have heard from them that Beyond is lying to me.

  

  Business Response

  Date: 09/14/2022

  ****************, 
  
  
  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 refund process. 
  
  
  Review of your account determined that your refund was issued on September 13, 2022 in the amount of $8,202.95.  
  
  
  We are hopeful that this has provided clarity to your concerns.  Should you have any additional questions, please do not hesitate to contact our ************************* at **************.  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 09/14/2022

  
  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:09/03/2022

  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 for a debt solution service. They saved me $219.80 and are charging me $350. They also have taken out a few withdrawals from my account that I did not authorize and will not tell me exactly where the money is. Overall, I paid them well over the amount my debt initially was and they are saying I still owe several hundred. I am very concerned about what to do, as they are asking for more money from me.

  

  Business Response

  Date: 09/06/2022

  ****************,
  
  
  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 savings.  You are requesting a refund of an unspecified amount.
  
  
  We confirmed your enrollment into the program on April 22, 2022.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  The information about program fees is covered under the section titled "Debt Resolution Agreement" in paragraph 11 (a) "Program Fees".  It reads in part as follows:
  
  
  "Program fees are due and earned when: (i) the Company reaches a resolution on an enrolled debt with a creditor, (ii) the Client accepts and agrees to the new terms, and (iii) the first payment of the new agreed upon terms is made to the creditor."  
  
  
  Records indicate that all withdrawals from your dedicated savings account, excluding refunds to your checking account, have been related to authorized settlement payments, earned program fees or fees related to the set up and maintenance of your dedicated savings account.  All of these fees are disclosed in your enrollment agreement.
  
  
  
  Review of your account determined that you authorized two settlements, both resulting in savings.  The details are as follows:
  
  
  Synchorny Bank Account ending in **** authorized by you on July 8, 2022:
  Balance at time of Settlement: $2,075.20
  Settlement Amount: $1,245.12
  Settlement Fee: 486.50
  
  
  Synchrony Bank Account ending in **** authorized by you on August 3, 2022
  Balance at time of Settlement: $871.99
  Settlement Amount: $523.19
  Settlement Fee: $185.75
  
  
  At this time, no refund will be issued.  We are hopeful that this has provided clarity to your concerns.  Should you have any additional questions, please do not hesitate to contact our ************************* at **************.  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 09/06/2022

  The information you have given in regards to my account is not congruent with the information I was given by YOUR company, so Im not sure why your response indicates different numbers. Why did you change it later? 

  

  Business Response

  Date: 09/07/2022

  ****************,
  
  
  Thank you for the continued opportunity to address your concerns.  In your most recent communication you requested clarity on the figures provided.
  
  
  The figures provided reflect the accurate balance of each account at the time the settlement was reached.  The numbers reflected in the documentation you provided reflect your account balance at the time of enrollment.  Your settlement fee was calculated using the balance at the time of enrollment.  In each circumstance there is a savings realized. 
  
  
  Synchorny Bank Account ending in **** authorized by you on July 8, 2022:
  Balance at time of Settlement: $2,075.20
  Balance at time of Enrollment: $1,946.00
  Settlement Amount: $1,245.12
  Settlement Fee: 486.50
  
  
  Synchrony Bank Account ending in **** authorized by you on August 3, 2022
  Balance at time of Settlement: $871.99
  Balance at time of Enrollment:  $743.00
  Settlement Amount: $523.19
  Settlement Fee: $185.75
  
  
  We are hopeful that this has provided clarity to your concerns.  Should you have any additional questions, please do not hesitate to contact our ************************* at **************.  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:08/31/2022

  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.

  I asked Beyond Finance to help me with my delinquent debt and soon after our first contact, I signed an agreement with them on March 13, 2022. They told me that they could settle my debt for a payment of a little over 700 dollars a month, but they also enticed me with the prospect of getting a loan within 3 or 4 months of enrolling in the program and paying regularly. I ended up paying almost $1000 in semi-monthly payments, and ALSO sent an extra payment of $**** dollars. I was told that I had prospects of a loan in May, but after I sent the additional payment of $**** dollars, they suddenly informed me that a loan was no longer an option. They gave me a dedicated account and claimed they had reached an agreement with one of my creditors. When they reached the agreement, I lost everything I had put into my dedicated account, but I still had close to $**** dollars. Suddenly they started takilng out large payments of $1800 dollars or more every 2 weeks. I was not seeing that this money was going to my creditor. I took out most of what remained in my dedicated account but allowed them to take one more payment. Because they still were not willing to disclose to me what they were doing to pay my creditors, I withdrew from the program. I called them 3 times and wasn't given a call back to resolve my issues. Finally, in my third call, they told me and my husband that they are keeping the money that they took--over **** dollars. And they said they have only paid my creditor $300. To me this seems like a pyramid scheme. I want to give them a chance to respond, but also want to warn others away from this company.

  

  Business Response

  Date: 09/06/2022

  Ms. ************************** 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.  You are requesting a refund.
  
  
  We confirmed your enrollment into the program on March 13, 2022.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  The information about program fees is covered under the section titled "Debt Resolution Agreement" in paragraph 11 (a) "Program Fees".  It reads in part as follows:
  
  
  "Program fees are due and earned when: (i) the Company reaches a resolution on an enrolled debt with a creditor, (ii) the Client accepts and agrees to the new terms, and (iii) the first payment of the new agreed upon terms is made to the creditor."
  
  
  Beyond Finance met all established criteria prior to processing any program fees related to your authorized settlement.  
  
  
  Additionally, review of your enrollment interactions determined that the Agent advised that you may be eligible for a consolidation loan but it was not a guarantee.  
  
  
  At this time, no refund will be issued.  We are hopeful that this has provided clarity to your concerns.  Should you have any additional questions, please do not hesitate to contact our ************************* at **************.  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:08/29/2022

  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.

  I entered into a debt settlement program through Beyond Finance. I was in the program for four months and put in $924.01 of my own money into a so called dedicated account that was to be used to settle my debts for less than half of what I owed. The people at beyond finance had not kept their word to settle any of my debts. They kept making excuses every time I talked to someone about my debts. Now I am trying to recoup the money from the so called dedicated account and am getting the run around from their people once again. They are a bunch of liars and cheats.

  

  Business Response

  Date: 08/30/2022

  ****************,
  
  
  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.  You are requesting a refund.
  
  
  We confirmed your enrollment into the program on April 18, 2022.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  The information about program fees is covered under the section titled "Debt Resolution Agreement" in paragraph 8 "Timing and Program Estimates".  It 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"
  
  
  Review of your account determined that you made successful program payments in ****** *** and June.  You then moved your July program payment to the end of the program and elected to terminate your program in August.  Upon successful completion of your termination request, a refund in the amount of $924.01 was issued on August 19, 2022 to the checking account on file.
  
  
  Beyond Finance earned no fee and was within the established estimated time frame to reach your first settlement.  The only funds not refunded were the non-refundable fees related to the opening and maintenance of your dedicated account and your ***************** ********** monthly fee.  These fees are discussed in your Enrollment Agreement and in the Better Life Club ********** Agreement you signed at the time of enrollment.
  
  
  At this time, no additional refund will be issued.  We are hopeful that this has provided clarity to your concerns.  Should you have any additional questions, please do not hesitate to contact our ************************* at **************.  
  
  Sincerely,
  Beyond Finance, LLC 

  Customer Answer

  Date: 08/30/2022

  That does not solve the matter of the fact that multiple representatives have told me numerous different things about when I will get my money back.

  

  Business Response

  Date: 09/07/2022

  ****************, 
  
  
  Thank you for the continued opportunity to address your concerns.  In your most recent communication you expressed that you have not yet received your refund.
  
  
  Our records indicate that your refund was issued on August 19, 2022 via check to the address on file.  Beyond Finance ensured that the refund was issued within the established time frame, however we do not have control over delivery times with USPS.  
  
  
  An Account Manager attempted to reach out to you on September 6, 2022 to extend the offer to have the initially issued check cancelled and a new check issued, however they were unable to reach you.  Should you wish to take advantage of this option, please reach out to our ************************* at **************.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:08/25/2022

  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.

  This company charged me a fee I was not made aware of. I spoke to an employee two weeks ago who said I would have my approximately $2600 deposited account within 10 business days. They now say there was a fee I owed that I was not told about and gave me $0. They have also blocked my account so that I have no access to any of my documents

  

  Business Response

  Date: 08/30/2022

  ******************, 
  
  
  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 refund amount.  
  
  
  We confirmed your enrollment into the program on October 9, 2021.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  The information about program fees is covered under the section titled "Debt Resolution Agreement" in paragraph 11 (a) "Program Fees".  It reads in part as follows:
  
  
  "Program fees are due and earned when: (i) the Company reaches a resolution on an enrolled debt with a creditor, (ii) the Client accepts and agrees to the new terms, and (iii) the first payment of the new agreed upon terms is made to the creditor"
  
  
  At the time of your requested termination you were in one active settlement.  Once fees were processed for this approved settlement, there were no remaining funds in your dedicated account.  Review of your request to terminate determined you were not provided with a specific amount that you would be receiving as a refund.  At this time, Beyond Finance will not be issuing a refund.
  
  
  We are hopeful that this has provided clarity to your concerns.  Should you have any additional questions, please do not hesitate to contact our ************************* at **************.  
  
  Sincerely,
  Beyond Finance, LLC