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

  333 W Wacker Dr Ste 1800 Chicago, IL 60606-1288

• 

  Beyond Finance

  7322 Southwest Fwy Fl 14 Houston, TX 77074-2128

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:08/18/2022

  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.

  did not live up to sinning contract did not fix credit as stated **** settled still showing on credit on report as charged off det settle on most for more than at sing balance not40 to 50%

  

  Business Response

  Date: 08/23/2022

  ********************,
  
  
  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 impact to your creditworthiness and the settlement amounts.
  
  
  We confirmed your enrollment into the program on September 2, 2019.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  The information about the impact to your credit worthiness is covered under the section titled "Debt Settlement & *********** Services Agreement" in paragraph 13 "Disclaimer".  It reads in part as follows:
  
  
  "The use of Companys debt settlement services will likely adversely affect Clients creditworthiness, may result in Client being sued by creditors or collectors and may increase the outstanding balances of Clients enrolled accounts due to the accrual of fees and interest."
  
  
  Once your settlements have been completed, if you feel there is a discrepancy in the manner in which the creditor is reporting, you may wish to dispute that directly with the credit reporting agency.
  
  
  Additionally, information about the estimated settlement amounts is covered under the section title "Program Snapshot".  It reads in part as follows:
  
  
  "Estimates are based on our past experience with creditors. Actual results may vary on a case by case basis... ...We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time."
  
  
  Beyond Finance has managed your program in accordance with the expectations established in your Enrollment Agreement.  We are hopeful that this has provided clarity to your concerns.  Should you have any additional questions, please do not hesitate to contact us.  
  
  Sincerely,
  Beyond Finance, LLC 

• Initial Complaint

  Date:08/15/2022

  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.

  Beyond Finance to an auto-debit from my bank account in the amount of $691.61 after my account was closed and all fees were paid in full.

  

  Business Response

  Date: 08/22/2022

  **************, 
  
  
  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 a program payment.  You are requesting a refund.
  
  
  Our records indicate that a refund was issued on August 18, 2022 in the amount of $764.38. We are hopeful that this is a satisfactory resolution to your concerns.
  
  
  Should you have any additional questions, please do not hesitate to contact our ************************* at **************.  
  
  Sincerely,
  Beyond Finance, LLC 
  
  

• Initial Complaint

  Date:08/08/2022

  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.

  holding on to personal property after account has been told to close. Not allowing for my property to be accessible. Not helping with accessing dedicated account passwords, by refusing the customer to speak to qualified account managers. There was a verbal promise over phone to close account in 3-5 bussiness days. This promise was not honored. I have zero information about any review process in order to close an account with Beyond Finance. This information is not attainable on the website. My contract is not located on my the website for review. I am being refused access to speak to a qualified contract closer.

  

  Business Response

  Date: 08/10/2022

  ************,
  
  
  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.
  
  
  We can confirm your request to terminate was received on August 2, 2022.  As of August 9, 2022 your account has been successfully terminated.  A refund in the amount of $1,895.77 has been issued.
  
  
  Should you have any additional questions or concerns, please do not hesitate to reach out to our ************************* at **************.  
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:08/08/2022

  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 enrolled in a debt settlement program with them and was told the car (which died about a month after purchasing) financing I had enrolled was eligible and would be the first one settled. Now after 3 months in the program, not paying that loan as instructed they told me it was never eligible and needs to be removed. My credit score has tanked and I have had zero results with the settlement and are doing nothing to resolve their problem they created for me. I am in a much worse financial situation now that when I enrolled. Despite talking to multiple reps the car being ineligible was never discussed with me

  

  Business Response

  Date: 08/10/2022

  ****************,
  
  
  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 request to remove an account from the program as well as the impact to your creditworthiness.
  
  
  We confirmed your enrollment into the program on May 31, 2022.   At the time of enrollment you signed the Enrollment Agreement.  The information about impact to your credit is covered under the section titled "Debt Resolution Agreement" in paragraph 13 "Disclaimer".  It reads in part as follows: 
  
  
  "The use of Companys debt resolution services will likely adversely affect Clients creditworthiness and may increase the outstanding balances of Clients enrolled accounts due to the accrual of fees and interest. The decision to stop paying creditors rests solely with the Client, and the client acknowledges and fully understands that the company will not be making the Clients scheduled monthly payments to their creditors."
  
  
  In regards to the automobile loan that was requested to be removed from your program, our records indicate that you spoke with an Account Manager on August 8, 2022 and it was confirmed that the account in question can remain in your program.
  
  
  We are hopeful this is a satisfactory resolution and has provided clarity to your concerns.  Should you have any additional questions or concerns, please do not hesitate to reach out to our ************************* at **************.  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:08/03/2022

  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 months ago, I gave it time and paid into my dedicated account for months and they're first settlement was projected for July, never happened, I'd understand if it was a big amount but for 5 months they couldn't settle a 56$ amount. So I call to cancel and get a refund only to be told I'd be getting x amount back because I had a monthly fee... to my knowledge it is 100% illegal for a debt settlement company to charge anything until they get a settlement reached. Which they never did so I want my entire refund like they say 100% money back guarantee

  

  Business Response

  Date: 08/04/2022

  Mr. **************************** 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 lack of progress in your program as well as the monthly maintenance fee associated with your dedicated savings account.
  
  
  We confirmed your enrollment into the program on March 19, 2022.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing.  The information about program progress is covered under the section titled "Debt Settlement & *********** Services 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."
  
  
  At the time of your requested termination, you have been enrolled in the program less than five months.  Beyond Finance was still within the estimated time frame provided in the enrollment agreement.
  
  
  Additionally, information about the monthly maintenance fee you referenced is available in your Enrollment Agreement under the section "CFT Pay".  This fee is paid directly to ******************** Technologies (CFT), not Beyond Finance, and is non-refundable.
  
  
  We hope this has provided clarity to your concerns.   Should you have any additional questions, please do not hesitate to reach out to our ************************* at **************.  
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 08/04/2022

   
  
  It is 100% illegal to charge a fee until a service is done. No service was done so it's now theft

  

  Business Response

  Date: 08/04/2022

  Mr. **************************** you for the continued opportunity to address your concerns.  In your most recent correspondence you expressed continued dissatisfaction with the monthly maintenance fee charged by ******************** Technologies (CFT).
  
  
  The fees you are referencing was not charged or collected by Beyond Finance.  These fees were charged and collected by CFT and are for the set up and maintenance of your dedicated savings account.  Additional detail can be found in your Enrollment Agreement under the CFTPay section.  It reads in part as follows:
  
  
  "FEE SCHEDULE*
  SPA FEES:
  Setup Fee (one-time fee)............................. $9.95
  Monthly Service Fee (per month)............... $10.75"
  
  
  "15. Fees. You agree to pay the fees and charges set forth in the Fee Schedule on the first page of this Account Agreement, as amended from time to time. You agree that fees may be deducted automatically from your SPA as they accrue. The monthly service fee for the first calendar month of the **************** will not be prorated and will be deemed earned on the date your account is opened. Thereafter, the monthly service fee will be earned in full as of the first day of each calendar month and may be collected at that time, without proration if the **************** is terminated prior to the end of the month. Other fees and charges shall be deemed earned at the time of the transaction or event giving rise to the fee or charge."
  
  
  No fee was collected by Beyond Finance for debt settlement services.  At this time, no refund will be issued.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely, 
  Beyond Finance, LLC

• Initial Complaint

  Date:07/29/2022

  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 paid off my own accounts and canceled service in April at 20:22 they continue to withdraw money from my bank account for 0 balance on account.

  

  Business Response

  Date: 08/03/2022

  ***************,
  
  
  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 termination process.
  
  
  Review of your account confirmed your request to terminate was received.  We apologize for the technical error that prevented your account from being fully terminated. This error has been addressed and your account is being processed for full termination.  Our records indicate that no additional funds were drafted from your checking account on file successfully after your request to terminate your program.
  
  
  Additionally, per your request, you have been opted out of future contact.
  
  
  We are hopeful this has addressed your concerns.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC 

• Initial Complaint

  Date:07/15/2022

  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 was misled and betrayed by these scammers. Please let others know they should not use their so-called services.

  

  Business Response

  Date: 07/21/2022

  **************,
  
  
  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 service provided.  You have requested an explanation of charges.
  
  
  We confirmed your enrollment into the program on October 30, 2021.   At the time of enrollment, the Account Specialist reviewed your Enrollment Agreement with you prior to your signing. The information about program fees and charges associated with your program are covered in this document.  A copy of your executed Enrollment Agreement was email to you at the time of enrollment. 
  
  
  
  We are hopeful this has provided clarity to your concerns.  Should you have any additional questions or concerns, please do not hesitate to reach out to our ************************* at **************.  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:07/14/2022

  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.

  need reciept in writing on acct.1008522117 which was paid off on feb.29 2020 in which aperson calledkadem said hewould send reciepton 1/31/20220n mon. at 5:45 pm and talked toamoud 2/11/22 about letter of reciept and also talked to a ******* on 5/3/22 about letter of settlement thru the mail at 10:20am and also a **** on 7/1/22 at 10:55am the same response and but no letter or reciept this has been going on since feb ****** thank you for your help to get this resolved thru ncb collection *** which hurts my credit score

  

  Business Response

  Date: 07/21/2022

  Mr. *****,
  
  
  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 able to receive a receipt for the settlement on your account ending in 2117. 
  
  
  If you are looking for the proof of payment on this settlement, you can access the transaction history through your dedicated savings account through CFT.  If you are requesting a settlement in full letter, you would need to request that form from the creditor.  As Beyond Finance never held the debt in question, we would be unable to issue that letter.
  
  
  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: 07/22/2022

  Destiny liked i talked to ****** that in 2022 i talked over the phone from jan.312022 to 5/3 /2022 in which they all stated that this account1008522117 was paid off or settled on Feb.29 2020 to **** financial thru *********************** i have the names of the people i talked to and the times and dates their names were Jasmine ******************* ******************* and Justin        Either Beyound Finance or *********************** or NCB needs to come up with a reciept for this matter in which is on my credit report for 2-3years thru NCB i need this taken care of      Thank You    ***************** -**********

  

  Business Response

  Date: 08/01/2022

  **************,
  
  
  Thank you for the continued opportunity to address your concerns.  In your most recent communication you continue to request a receipt of payment on your ************** account.
  
  
  Beyond Finance does not issue payments on your behalf, payments are issued through your dedicated savings account held with ******************** Technologies (CFT).  You can access your CFT account online to get proof of payment.  
  
  
  If you are looking for a letter to indicate that the settlement has been completed, you would need to contact ************** directly, as Beyond Finance does not assume the debt during the program.  
  
  
  We hope this has provided clarity to your concerns.  Should you have any questions or concerns, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 08/03/2022

  Mattii if it needs to go to********** financial then have ********** financial send a reciept for payments to **** financial when they were taking money out of my account apparently somebody is just passing the buck when this was paid off or settled on Feb.29 2020 i gave the BBB 5or 6 names and dates and times from Beyond finance that these people all stated that this loan thru  **** financial was paid off and settled I dont care which company sends a reciept but it has been over 2 years . Thank you for your help . ***************** account #**********.