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:03/23/2025

  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

• Initial Complaint

  Date:03/19/2025

  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.

  I hired this company to help me resolve debt. The motto is no additional debt incurred. In the beginning they failed to inform me of a plan that would have them respond to any court cases filed by my creditors. I have been sued 3 times since starting with them. In a year and a half they have failed to resolve once debt unless I was actually sued by a creditor. They have actually cost me much more in money with legal fees and interest than I orginally entered in with their company. They do not return phone calls. They do not follow up on legal actions begin taken. The represent themselves to help consumers get out of debt soon and for less. In my case I will be in debt much longer and already owe more than I originally started with all because they will not communicate with me on a timely basis so I can only assume they do not communicate with my creditors on a timely manner either.

  

  Business Response

  Date: 04/02/2025

  Ms. ************************ 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 enrolled accounts.  Of which, two are in progress and one is completed.  Your first offer was approved less than one month into your enrollment, exceeding expectations.
  
  
  Review confirmed that the possibility of litigation was covered both verbally and in writing at the time of your enrollment.  While Beyond Finance was clear we do not provide legal assistance, we do continue negotiation efforts regardless of the legal status of the account.
  
  
  Review reflects agents have been in consistent communication with you regarding the status of your account.  Should you need additional assistance, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/16/2025

  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.

  Beyond finance I payed them for resolution, on a credit card and the credit card company says they never received the funds. I have called and talked to beyond finance that always says they will mail and email me the information probably 15 times never have I received the proper ach number the credit card company is looking for to resolve this debt. There replies are always this could take 48 to 72 hours but nothing ever comes. I dont know what to do. I payed for a service but the service never got completed on their end.

  

  Business Response

  Date: 03/31/2025

  Mr. ******, 

  We look forward to working to resolving the matter you addressed.  We were unable to verify the contact information you provided in your initial correspondence.  Please provide the contact information used at the time of enrollment so we can locate you and address your concern.

   

  Sincerely,

  Beyond Finance, LLC

  Customer Answer

  Date: 04/02/2025

  I had a joint account with ******* ****** her phone number is ************ her email is ************************ my info is **** ****** ************ my email is ******************** I have called 15+ times every time beyond finance says we will get you the information you need to settle this but never delivers. Beyond has a hard time locating my account because I am a Legacy client but after 20 minutes finds my account and then nothing ever happens. Ive got incident numbers but  when I call back with the incident no one has a record of it ****** my program number is P-23172 I think I have been scammed ***** dollars because no one will help me with this matter that I paid beyond to handle you can call or email me to get this resolved anytime ************ or ********************

  

  Business Response

  Date: 05/04/2025

  Mr. ************************ you for the continued opportunity to address your concerns.
  
  
  We have requested to have the documentation sent to your email address provided.  Additionally, you can reach out directly to ********************************* (CFT) for assistance in gaining access to your account ledger which will provide proof that the funds were distributed to the creditor in question.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/14/2025

  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.

  I enrolled several credit card accounts with Beyond Finance in July of 2023, to settle debts I incurred during a period of unemployment following the pandemic. This included two accounts with Discover. At the time, I was not informed that Discover is particularly aggressive in pursuing repayments. This information, had it been provided to me, might have influenced my decision to enroll with BF. Following instructions I was given when I enrolled with BF, I ceased making payments to Discover and waited for BF to come back with a settlement offer. Discover demanded large additional initial payments, even though we finally reached a settlement offer for one account, Discover went ahead with suing me in small claims court in October 2024 over the same account we had already reached a settlement agreement for. Despite being able to provide proof of the settlement and payments made towards it, I was told this counted as a judgement against **** have since been laid off from my job, and am collecting unemployment. Despite this, ******** continues to refuse to offer any settlement offers for my second account that do not include massive initial payments which I have made clear, in communications with Beyond Finance, I cannot afford. I am making a good faith effort to repay my debt, and am being prevented from doing so. I feel that Beyond Finance misled me when I enrolled by withholding information that could have impacted my decision, and that they are now failing to adequately advocate for me to ********. I want a realistic offer, or other options for settling my debts, and I want Beyond Finance to be accountable for their deceptive practices.

  

  Business Response

  Date: 03/28/2025

  Ms. ********************** you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed as a result of the items addressed in your communication.
  
  
  At this time you have approved offers on three of your enrolled accounts and have one offer pending your review.  Of your approved offers, two are completed and one is in progress.  You approved your first offer five months into your program, in alignment with all expectations.
  
  
  Beyond Finance does not have any control of the decision of Discover to choose to no longer honor then agreed upon resolution.  We have continued to negotiate in an effort to reach a new arrangement that will meet your needs.  Beyond Fiance will continue efforts to support you in this circumstance.  We continue to reach out to you regularly and keep you up to date on our efforts.
  
  
  Should you require further assistance, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 03/28/2025

   The pending offer is one that requires an additional initial deposit, which I have repeatedly made clear I cannot afford, as I am currently unemployed. Do not insult my intelligence by repeating information I already have as if it in any way addresses my complaints or is in at all relevant to
  them.

  Additionally, I will not accept any response that does not acknowledge Beyond Finance's deceptive practices. A disclaimer stating that accounts "may" ensure up in court is not adequate. Knowing before I signed up that DISCOVER, speculation, is "extremely aggressive in pursuing payment" (a direct quote from more than one of your representatives) may have influenced my decision to enroll in your program, therefore withholding that information from me was deceptive. Do not ignore my concerns about this issue.

  

  Business Response

  Date: 05/04/2025

  Ms. ********************** you for the continued opportunity to resolve your concerns.
  
  
  Beyond Finance clearly and transparently educated you about how the program is designed and of the potential impacts of enrollment.  Information about the possibility of difficult creditors is covered in yoru enrollment agreement in paragraph 16. Difficult Creditors.
  
  
  Records indicate account managers have made efforts to connect with you, but have been unable to reach you.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/14/2025

  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.

  Beyond finance approved payments to a creditor without my consent and then began charging egregious fees to my account without my knowledge. I received an offer from my creditor to which I originally declined. Shortly thereafter I received the same offer from the creditor and let it sit. I then check my account one day and find that beyond finance is now paying the creditor and themselves. I never approved or signed any offers yet they attached another customers paperwork to my account on 11/18/24 and began making payments on 11/19/24. They have claimed that I approved this offer but they are the ones who have made a clerical error and have even attached someone else's signed agreement with that persons name on it and now are refusing to correct the mistake. They also claimed I owe over $3000 in remaining fees to them and once I claimed I wanted to cancel my account and that I wanted to withdraw my funds, they went in deducted the rest of the funds in my account as a fee".I will be seeking legal action in pursuit of the full amount of money that I deposited into my account totaling $5,018.94 and have an appointment with my attorney tomorrow 3/14/25.I have attached supporting documents to this complaint so that Beyond finance may review and correct these issues prior to legal action.

  

  Business Response

  Date: 03/28/2025

  Mr. ******************************* you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed as a result of the items addressed in your communication.
  
  
  At the time of your requested termination, you had approved an offer on one of your enrolled accounts.  You did this via your mobile app on November 18, 2024.  Beyond Finance then commenced payments as agreed.  Beyond Finance met all established expectations as set forth both verbally and in writing to earn and collect the fee related to that arrangement.
  
  
  Should you have any remaining concerns, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/11/2025

  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.

  This is a debt relief program that collected over ***** from me. 5 months into it I quit the program and got $21 back! None of my debts were paid and I lost all of that money!!!! They said it went towards their fees but cant explain what those fees are!

  

  Business Response

  Date: 03/25/2025

  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 an offer on one of your enrolled accounts.  This offer was in progress.  Beyond met all established criteria to earn and collected the program fee related to this resolution.  This information was provided to you both verbally and in writing at the time of your enrollment. It can be located in your enrollment agreement in paragraph 11. (a) Program Fee.  It reads, in part, as follows:
  
  
  "Program fees are due and earned when: (i) the Company reaches a resolution offer 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."
  
  
  Upon your requested termination, after earned fees were collected, you were refunded the remaining balance in your dedicated account.
  
  
  Should you have any additional questions, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/11/2025

  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.

  Before and after I had sign up with this company.we had talk about which credit cards I should start with and which one were to be put off later. I was very concerned about one that had a two year free interest loan and that the two year was about to expire.also I explained that I didnt know how to use my phone as a computer very good and that I had a hearing impairment . I had to keep calling them to make sure I had understood what they had told me and to make sure they were going to talk care of the situation of the two free interest rate with the loan. As of today they havent contacted the creditors and keep telling me lies. One lie they said that they were waiting to get the funds to go forward with it. So I had agreed to pay more to be put into my account so they could pay this to the credit card company so back in February I put $700 into my account with ********************** and now its gone and they are still telling me that they are still waiting for the funds to accumulate in my account before they can proceed. Also with another account they have done with *****************,they had contacted me about a offer.but beyond had told me not to speak with them or any other company that they would handle all accounts I seen the offer Navy ************ had given me I believe that this offer was made even before beyond new About it I tried to check this out but the bank said that they can only go back so fare and wouldnt be able to see what date they emailed me. Beyond records all of they telephone calls so you will see the conversation we had

  

  Business Response

  Date: 03/25/2025

  Mr. Balous,
  
  
  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.
  
  
  As of this time you have approved offers on three of your enrolled 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.
  
  
  This program is designed to care for all of your enrolled debt throughout the lifetime of your elected forty eight month enrollment.  As you have seen success in the program, your funds have accumulated and been utilized to care for existing arrangements.  
  
  
  Currently, we reflect that you are in an active arrangement on your Navy ******************** account approved by you on January 11, 2025.
  
  
  We are hopeful that we have been able to provide clarity to your concerns, should you have any remaining questions please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC 

• Initial Complaint

  Date:03/10/2025

  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 was enrolled with Beyond Finance for debt relief. My purpose of this complaint is to bring light to the purposely vague and shady business practices that lead to me being sued by a creditor and losing thousands of dollars already paid to creditors before removing myself voluntarily from their program. Their sales team made the program seem it was government backed, assured me my payment would stay consistent throughout the program, and that I was covered by their team legally when dealing with the creditors. I was sued as a result, completely trusting this program would protect me, and was forced into bankruptcy as the creditor settlement payment increased 245%. I wish to bring light to this dishonest company's dealings and bring action against them for knowingly and willingly disenfranchising, misleading and lying to their customers. Had I known the extent of what I would endure in their program, I never would have become a customer and trusted them to help in what I thought was a protected legal debt resettlement that was government backed. It actually floors me that their business model is legal; It's outright a lie.

  

  Business Response

  Date: 03/25/2025

  Mr. ******,
  
  
  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 an offer on one of your enrolled accounts and been presented with offers on two of your other enrolled accounts which you elected not to move forward with.  
  
  
  Review confirmed that at the time of your enrollment you were properly educated about the possibility of creditors moving forward with legal action.  This does not prevent Beyond Finance from moving forward with negotiations.  We had secured an offer on one of your accounts in a legal status and presented you with an offer on the account that recently moved into a legal status.  At no point was our program presented as government backed.
  
  
  Throughout your program you were presented with conditional offers, which required additional funds, but were at no time obligated to move forward with those offers.
  
  
  Your program was serviced within all established expectations.
  
  
  Should you have any remaining questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC