Complaints

This profile includes complaints for Beyond Finance's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Beyond Finance

  4370 La Jolla Village Dr Ste 920 San Diego, CA 92122-1277

  
• 

  Beyond Finance

  7322 Southwest Fwy Fl 14 Houston, TX 77074-2128

• 

  Beyond Finance

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

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/30/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Beyond Finance fees are not disclosed on total balance due amount in attempts to hide fees from their paying customers. We received three lawsuits, which we were advised by their representative would be unlikely to happen when working with Beyond Finance. The monthly payments continued to increase tremendously over time with little to no time provided when notifying us of the increase. Three of our accounts we had to settle on our own without Beyond Finances help.Once we completed the program and paid off our balance Beyond Finance still attempted to take over $700 out of our bank account. Our bank reversed this charge. When contacting Beyond Finance to inquire why they took out another monthly charge after we had Graduated their program, the representative advised they did not know why. Had I known this company was not working for their customer rather their own profit I would have sought out other options to manage debt in a quicker manner without constantly feeling scammed by the company who I paid to assist me. What they advertise is not what is delivered.

  

  Business Response

  Date: 04/09/2025

  Mr. ******,
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed as a result of the issues you addressed in your communication.
  
  
  Review confirmed that during your enrollment interaction, you were transparently educated about the program fee and the possibility of creditor litigation.  In circumstances where creditors opt to move your account into a legal status, Beyond Finance quickly prioritizes that account.  In these circumstances, it is not uncommon to present conditional offers that would require additional funds to move forward.  These offers are not required to be approved, rather presented as an option to expedite resolution.
  
  
  Graduation review on your program was initiated on March 20, 2025.  At this time, your scheduled monthly deposit was already in transit.  Once your Graduation review was completed, all future deposits were cancelled. 
  
  
  We are hopeful we have been able to provide clarity to your concerns.  Should you have any additional questions, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/27/2025

  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 will start by saying that I don't know if I am a special case or if this is something that went wrong on their end. I looked at the reviews prior to going into their program, and they were overwhelmingly good. When I originally started the program, it was to consolidate the debt that I accrued due to being out of work during the COVID-19 pandemic. I was told that at first my credit score would go down and then improve, which is to be expected, and that is what happened. However, 2 years into the program and after my credit score improved, all of the missed payments and delinquencies have returned to my credit report, which is not something I was told would happen or was warned could be a possibility. Furthermore, when I called to ask about why this would be happening, they were not able to give me an answer. I then paid off the rest of the loan in a lump sum payment to end the program. They instead continued to charge me more than a week after I paid off the existing amount. I was given a short apology and was told that I would have the money back next week, as it was a bank transfer. As I said in the beginning, the company does have a good review history, but with the lack of explanations that I received after these events occurred makes me believe this was a series of mistakes on their part. I would like to know if they are doing anything about my credit report.

  

  Business Response

  Date: 04/09/2025

  Mr. Visgauss,
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed as a result of the issues you addressed in your communication.
  
  
  We are happy to confirm that your final payment to your creditor is in transit.  Once this payment is received, you will be reviewed for Graduation.  As part of this review, you will be refunded any remaining funds in your dedicated account.  We can also confirm that any future scheduled program deposits have been suspended.
  
  
  Beyond Finance does not assume your debt as part of the program and does not report to the credit bureaus at any point.  We also do not have control over how your creditors report resolutions to the credit bureaus.  We are happy to provide any supporting documentation we are able to assist you with correcting any errors on your credit report.
  
  
  Should you have any remaining questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/27/2025

  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.

  Enter my debt into the program or I'll remove myself from this program! Your underwriting **** is terrible!!

  

  Business Response

  Date: 04/09/2025

  Mr. ************,
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed as a result of the issues you addressed in your communication.
  
  
  Our records indicate that your requested additional account has been added to your program as of March 28, 2025.  Should you have any remaining questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 04/09/2025

  You never added check n go. This is not resolved

  

  Business Response

  Date: 05/04/2025

  Mr. ************, 

  Review confirms we have been in contact with you regarding this matter and it has been resolved to your satisfation.

  Sincerely,

  Beyond Finance, LLC

• Initial Complaint

  Date:03/26/2025

  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.

  On 07/28/2024 I had searched for a debt relief program. I was referred to the beyond debt financial consolidation program. I contacted them and we discussed a program that they felt would be of benefit to me. They retrieved my financial information, and we discussed a program in which they said would be beneficial to me. The amount seemed within reason of what I could afford at the time, so I agreed upon the terms that they recommended for me. Now the real kicker is that they do not inform all of your creditors of your participation in the debt relief program when you sign up for the program. Instead, they give you a customized portfolio containing all of the creditor's that you owe money to. Due to that fact, if there is a creditor that is seeking immediate payment on that list, it will take legal action against you, and you will end up going to court. I have had two court days and a third one coming up in a couple of days! The first court date was an initial hearing on the debt itself. The second court date was a negotiation and confirmation of the amount of debt owed. I had informed the courts during my first visit both during & my hearing and in writing of the debt relief program. I kept beyond financial informed of all of this this activity way before it happened. They refused to let all of my debtors know of my enrollment with this program. Instead, they kept repeating themselves on filling out a form in which I was to repeatedly fill out. I filled it out and sent it in several times. Also, the creditor had sent me the financial history of my debt in which I sent certified mail to them. Not only did they claim that they didn't receive the information from the mail I sent, but they also claimed that they didn't receive my response to all of the forms that I filled out! Even though they sent me emails confirming to me that they did receive the information! At this point, I am sick and tired of receiving these same messages from them with no results!

  

  Business Response

  Date: 04/08/2025

  Ms. ******************************** for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed as a result of the information provided in your communication.
  
  
  At the time of your requested termination, you had approved one offer and it was currently in progress.  This offer was approved less than one month into your enrollment, exceeding expectations.  
  
  
  Review confirmed that during your enrollment experience proper expectations for how the program is designed was covered, up to and including the possibility of litigation.  In order for Beyond Finance to move forward with negotiation efforts, there must be enough available funds in your dedicated account.  The offer that was secured was on one of your highest enrolled balances and utilized the majority of your available funds to accommodate.
  
  
  Your program was progressing successfully at the time of your requested termination.  Should you have any other questions, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/24/2025

  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.

  They told me on 12/23/2025 that my last payment was 10/8/2025 and now theyre telling me 12/31/2025 and saying I owe an additional ******

  

  Business Response

  Date: 04/08/2025

  Ms. *********************** you for the opportunity to resolve your concerns.
  
  
  Review of your program has confirmed that you have had the opportunity to address this matter with an account manager.  The account manager has made efforts to contact you to advise of the proposed resolution to your concern, but has been unsuccessful.  We will continue efforts to reach you and invite you to contact us so we can ensure this matter is resolved.
  
  
  Should you have any questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 04/08/2025

  The response says Ive missed multiple calls but the only call Ive received I answered and if anyone has called from an unknown number nobody has left a voicemail.

  

  Business Response

  Date: 05/04/2025

  Ms. *****, 

   

  We are happy to confirm that you have been able to connect with an account manager as of April 11, 2025.  Should you have additional concerns, please let us know.

   

  Sincerely,

  Beyond Finance, LLC

• Initial Complaint

  Date:03/24/2025

  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.

  Ive made a total of 3 payments of $352.62 totaling $1,057.83 and only 4 payments was made on my behalf to only 2 creditors. 3 payments to ********* associates $105.00 1 payment to Money Lion $25 Totaling only $130. The refund im requesting is $927.83.I very much understand that the money that was already given the creditors cannot be refunded however I would like to request a refund for the fees and the balance which totals $927.83 This experience with Beyond Finance has been very stressful and disappointing. There was an issue back to back and no matter how many representatives Ive spoken to and managers I felt like my account was not handled correctly due to the many errors. I understand as per your fine print beyond Is earned a 25% per settlement however, due to this stressful experience I feel like beyond finanace should not earn that percentage for any account. I was given the end of the stick and pushed around like nothing. When I enrolled in this program I expressed my financial situation especially with having a newborn and a shortage of hours, I still trusted Beyond Finance and this company has failed me. I would like for a manager to honor this request if possible. Please put your in my position and see everything Ive had to deal with in a short period of time in this program. I look forward to hearing from you soon. Thank you **** *********

  

  Business Response

  Date: 04/08/2025

  Ms. *********, 
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was conducted as a result of the issues you addressed in your communication.
  
  
  At the time of your requested termination, you had approved offers on three accounts.  All three offers were in progress.  You approved your first offer less than one month into your forty-eight-month program term, exceeding the established expectations.
  
  
  Review confirmed your program was being successfully serviced in accordance with all established expectations as communicated during your enrollment interactions.  
  
  
  We are hopeful we have been able to provide clarity to your concerns.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/24/2025

  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.

  They have been taking my money each month to resolve my discover debt. They told me to let discover only talk to them so it would not be confusing. They told me that I should not pay discover directly but should only pay through them. Today discover served me papers that they are suing me for breach of contract. Beyond Finance told me that there is nothing that they can do about it. They did not offer to refund my money or set things right with discover. I need them to fix this since I took all of their advice.

  

  Business Response

  Date: 04/07/2025

  Ms. ******,
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed as a result of the items you addressed in your communication.
  
  
  At this time you have approved offers on two of your three enrolled accounts, both of which are in progress.  You approved your first offer approximately five months into your enrollment term, which is in alignment with all established expectations.
  
  
  Review confirmed that at the time of your enrollment you were educated both verbally and in writing about the possibility of creditor litigation.  Currently, the majority of your available funds are being utilized to maintain your existing resolutions.  As such, you were presented with a conditional offer.  This offer would have required additional funds, but you are not required to approve it.  We will continue to move forward with negotiation efforts.
  
  
  Our records indicate that you have had the opportunity to discuss this matter with an agent.  Should you require additional assistance, please let me know.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/23/2025

  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 questioned the resolution fee on multiple occasions with this company and each time I called I was assured that they were taking that fee out of my monthly payment and would not be taking a chunk of money from my dedicated account at one time. Low and behold they took $1500 out of my account for their "fee" and then only paid my creditor ****** out of the 3500 that I owed the creditor. They refuse to return this fee regardless that the balance was not resolved. They are preying on people by having a confusing contract and when you call yo question the details they present it falsely so that you will not end the contract. I want thus ********************************************* and did nothing with.

  

  Business Response

  Date: 04/06/2025

  Ms. *****,
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed as a result of the issues addressed in your communication.
  
  
  At the time of your requested termination you had approved an offer on one of your enrolled accounts.  This offer was in progress.  You approved this offer three months into your enrollment, in alignment with all expectations.
  
  
  As informed at the time of your enrollment, all fees are included in your monthly deposit amount.  These fees are not earned or collected prior to a resolution being approved and, at minimum, one payment being made towards the resolution.  At this time fee is earned and is collected strategically to ensure your success in the program.    Review confirmed all fees were earned and collected appropriately.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/20/2025

  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.

  **** Obaa ******************** BBB Online Submission March 20, 2025 Subject: Complaint Against Beyond Finance Refund Request Dear Better Business Bureau,I am writing to formally file a complaint against Beyond Finance regarding their debt settlement services. I entered into an agreement with Beyond Finance, which required me to pay $97.93 twice per month. However, I am extremely dissatisfied with their service, as it did not meet my expectations or provide the assistance I was led to believe I would receive. Beyond Finance lack of communication, failure to negotiate debts as promised, misleading information, etc. Due to these shortcomings, I no longer wish to continue with their program and am requesting a refund for the payments I have made. I have attempted to resolve this matter directly with Beyond Finance, but they refused to issue a refund, Therefore, I am seeking the BBBs assistance in mediating this issue. i would appreciate any support in obtaining a full refund of the payments I made under the agreement.

  

  Business Response

  Date: 04/04/2025

  Ms. *********************** you for the opportunity to resolve your concerns.
  
  
  At the time of your requested termination, you had approved an offer on one of your enrolled accounts.  This offer was in progress.  You approved this offer five months into your enrollment, in alignment with all expectations.
  
  
  Review confirmed all aspects of the program were clearly explained to you at the time of your enrollment, provided both verbally and in writing.  Your program was progressing successfully.
  
  
  Should you have any additional concerns, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC 

• Initial Complaint

  Date:03/19/2025

  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 my debt with Beyond Finance, and they have been withdrawing funds from my bank account for over eight months, accumulating a surplus exceeding $1700.00 Despite this, they've made very little progress in reaching out to my creditors. When I signed up, I provided all the necessary documentation and confirmed over the phone that no additional information would be required. However, they are now requesting statements and the original contracts from my creditorsdocuments I don't haveshifting the responsibility back onto me to handle these collectors.I would like to end my business with Beyond Finance.

  

  Business Response

  Date: 04/02/2025

  Mr. **************************** you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed as it relates to the items you addressed in your communication.
  
  
  At this time, you have approved offers on three of your accounts.  Of which, two are completed and one is in progress.  You approved your first offer less than one month into your enrollment, exceeding expectations.
  
  
  Any documents requested are done so to assist in negotiation efforts and were explained at the time of enrollment.
  
  
  Records reflect efforts to reach you to review your concerns have been unsuccessful.  Should you have any questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC