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:02/25/2025

  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.

  Heres a formal complaint letter you can submit to the Better Business Bureau (BBB) regarding Beyond Finance. Feel free to customize it with any additional details.[Your Name][Your Address][City, State, ZIP Code][Your Phone Number][Your Email Address][Date]Better Business Bureau [BBB Office Address or Online Submission]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 $50 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: 03/11/2025

  Mr. ******,
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed as it pertains to the items addressed in your communication.
  
  
  At the time of your requested termination you had approved offers on one of your enrolled accounts.  This resolution was ongoing and was approved roughly two months after your enrollment, exceeding expectations.
  
  
  Your program was serviced in accordance with all established expectations and was on track to be completed successfully at the time of your requested termination.  At this time no refund will be issued,
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:02/22/2025

  Type:Customer Service 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.

  ** have two issues/complaints against Beyond Finance, however, do not have space to address the second.I began working with Beyond Finance to in fall 2022 to resolve debts I accrued. They had reached settlements for 2 smaller debts that I had in a timely fashion.First complaint:One of those debts was allegedly resolved in Fall of 2023. They informed me it was complete. Fast forward to now, February 2025, I was reaching out to secure a loan to resolve the last debt on my own since Beyond Finance had not come up with a reasonable, affordable settlement (more about this later). When my bank ran my credit report, there was an outstanding account in collections that they asked me about. This account, as it turns out, is the account that was allegedly resolved in 2023. I did some digging through the payment statements, and found out that ** made the final payment on 9/14/23, and that it failed to go through and was refunded to me on 10/23/23. This went unnoticed until now, and ** never paid my account in full. Therefore, unbeknownst to me, this has been sitting on my credit report negatively impacting me. ** was negligible is taking care of this action. In phone calls to BF they refused to take accountability, were unapologetic and did not seem to sense the urgency in correcting this. This needs to be resolved immediately, as in the top of the pile. They also may need to work on checking their accounting. It make me question what other work isnt being monitored, and what other departments are not fulfilling their duties in full.I may need

  

  Business Response

  Date: 03/07/2025

  Ms. Griff,
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program was completed in relation to the items you addressed in your communication.
  
  
  Our records confirm that you have had the opportunity to address this concern with an account manager and have come to an agreed upon resolution.  Should you have any remaining concerns, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 03/07/2025

  I have spoken with a representative who was still checking to see if Beyond Finance would cover any additional funds beyond the initial settlement, as well as, if they will cover all remaining funds due to their error and the nightmare its created. They have in fact, not confirmed this.  They were supposed to reach back out to me and I have not yet received that communication.

  

  Business Response

  Date: 05/04/2025

  Ms. *****, 

  We are happy to confirmed that this matter has been resolved and that you program was graduated on April 19, 2025.  Should you have any additional concerns, please do not hesitate to reach out.

  Sincerely,

  Beyond Finance, LLC

  Customer Answer

  Date: 05/14/2025

  
  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:02/22/2025

  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.

  Date of transaction 2/7/2025I was talked into this plan to help with my debt. After viewing customer remarks I decided to cancel. I followed their instructions on how to cancel. I sent a telegram to the address provided which was received in time to cancel. This past week they deducted the first payment due$144.80.

  

  Business Response

  Date: 03/07/2025

  Ms. *******, 

  We have scheduled to have an account manager reach out and ensure your request is handled to your satisfaction.  Should you have any remaining concerns, please do not hesitate to contact us.

  Sincerely,

  Beyond Finance, LLC

• Initial Complaint

  Date:02/20/2025

  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.

  -9/12 signed agreement -made 11 biweekly payments of $133.09 from 9/16/24-1/31/25 resulting in total paid amount of $1,463.99 -company committed to providing me with debt resolution of approximately 50%. Fees were verbally discussed as being included in an estimated total program deposit of $13,842.24. However, the contract states the fees are 25% of total enrolled debt and that any resolved debt must be reported as taxable income. This was not clearly explained to me.-Company provided me with a resolution offer for one out of two lines of credit enrolled in this program. Out of the $1,463.99 I paid them, they only sent the creditor about $185 and kept the rest for fees for themselves. Then they told me that because I didnt have enough money in my account to reach an agreement for the second line of credit, the creditor was pursuing legal action against me. They told me I had a week to deposit a lump sum of $7,425.63 instead of the biweekly payments outlined in the agreement.-Overall, the resolution offers, program fees, legal fees, would have added up to me paying them a total of $15,589.36 which is more than my original enrolled debt amount of $15,427. This total doesn't include additional monthly fees for their legal subscription, savings account fees, or the taxes I would have to pay on the debt resolution.-I cancelled my subscription with them because they actually increased my debt amount instead of reducing it, and landed me in supposed legal trouble.-They then took all the remaining money I had saved with them as remaining fees and informed me I would need to make an additional payment of about $600 to cover the rest of the fees I owe them.-I contacted the collections agency directly and set up an affordable payment plan with no fees. This company is a scam. They advertise that they can reduce your debt by 50% but it is a lie. They failed on their commitment to me and made things a lot worse. I want my money back.

  

  Business Response

  Date: 03/06/2025

  Ms. ***************************** you for the opportunity to address your concerns.
  
  
  A thorough review of your program was completed as it relates to the issues you addressed in your communication.
  
  
  At the time of your requested termination, you had approved one offer.  This offer was ongoing and approved roughly four months into your program, in alignment with the established expectations.
  
  
  Review of your enrollment call confirms that the program was clearly reviewed with you including proper education about the fee and information about potential tax implications.  Additionally, the possibility of creditor litigation was also covered.
  
  
  This information can be referenced in writing in your enrollment agreement.  Information about program fees in paragraph 11. (a) Program Fees, information about tax implications in paragraph 10. No Legal or Tax advice and creditor litigation in paragraph 13. Disclaimer.
  
  
  You were presented with a conditional offer that would have allowed you to move forward with a resolution offer presented by your creditor that you did not have enough accumulated funds to move forward with.  You were at no time required to move forward with that offer.
  
  
  This program is designed to care for all enrolled debt, and the related fees, throughout the duration of the program term.  Your account was being serviced within all established expectations and was successfully progressing.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:02/19/2025

  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.

  Malpractice from the sales agent of the company. The person explained to my wife this was a savings account and they would settle her debt on her behalf. Agent told my wife to sign the agreement that all was well and no fees would be charged aside from a monthly fee of *****. Now a year in they have charged my wife settlement fees of $7,000 and have only paid off $500 worth of debt and have not sttled any accounts. This is mal practice on behalf of the sales agent. If tye disclosed they would be charging a 25% settlement fee for each account my wife would have never signed that agrrement

  

  Business Response

  Date: 03/06/2025

  Mr. *****, 

  Thank you for the opportunity to address your concerns.

  In order to properly review your concerns, we would need identifying information we could use to access your wife's program.  As the information provided in limited, we were unable to locate her.  Please provide proper identifying information that will allow us to complete a thorough review.

  Sincerely,

  Beyond Finance, LLC

• Initial Complaint

  Date:02/18/2025

  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.

  Starting on October 24 I started paying Beyond Finance $832 every other week to help me with my debts. I learned after accepting the first debt resolution that they take 25% after making the resolution as fast as possible. They have made my debts worse and they lectured me when I stopped the program about my debts. They took over $5000 and did nothing.

  

  Business Response

  Date: 03/04/2025

  Ms. ************************ 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 the time of your requested termination you had approved offers on two of your enrolled accounts.  Both of those offers were in progress.  The first offer was approved roughly two months into your enrollment, exceeding expectations.
  
  
  Review confirmed you were properly advised of the program fee at the time of enrollment, both verbally and in writing.  All fees earned and collected were done so in accordance with all of the established expectations.  This program is designed to care for all enrolled accounts, including related fees, throughout the duration of the term.  Your program was progressing successfully.
  
  
  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:02/15/2025

  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 entered into an agreement with Beyond Finance to help me settle my debts, believing they were offering a legitimate service to reduce my financial burden. However, I later discovered that Beyond Finance charged hidden fees that were NOT clearly disclosed to me at the time of the agreement, including a 25% settlement fee per account.These fees significantly reduced the amount of money that was actually being used to settle my debts. When I confronted the company, they were unwilling to provide me with the call recordings or details I requested and blocked my access to my account, preventing me from understanding how my funds were being applied.I have since filed complaints with the Attorney General, ************************************ (****), and ************************ (***) to address this situation. I am seeking accountability and a resolution to the deceptive practices of Beyond Finance and hope to alert other consumers to the risks involved.

  

  Business Response

  Date: 03/01/2025

  Ms. ************************ thorough review of your program was conducted as it related to the issues you raised in your communication.
  
  
  At the time of your requested termination you had approved offers on three of your enrolled accounts.  You approved your first offer roughly one month into your enrollment term, exceeding the established expectations.
  
  
  At the time of your enrollment, the agent reviewed your enrollment agreement with you.  You can find the details on the program fees, including how and when they are earned and collected, in paragraph 11. (a) Program Fees.  It reads, in part, as follows:
  
  
  "The Client agrees to pay the Company a fee in the amount of *****% percent of the balance of each debt enrolled into the program and where Company resolves the debt, whether directly or indirectly through Companys agents, with the creditor"
  
  
  "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."
  
  
  You can also find a detailed breakdown of fees related to your dedicated account on page 17, the *** Pay Agreement section.  
  
  
  Additionally, you can locate a summary breakdown on page 11 that provides a clear breakdown of all estimated costs related to the program.
  
  
  All fees earned and collected were done so within the established expectations. 
  
  
  Regarding access to your client portal, upon the completion of your requested termination you no longer have access to that portal.  This access was not revoked in any way as an act of retaliation.  You do retain full access to your dedicated account information with *********************************, which includes your account ledger.
  
  
  Our team of dedicated customer service agents will remain available to you should you require any documentation from your program.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:02/14/2025

  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.

  I enrolled with Beyond Finance on 1/11/2025. They were clear with the process they use on the phone when enrolling but very, VERY unclear about the fees. After I seen my first deposit come out of my bank account, I was feeling pretty good until I checked up on everything a week later or so on my Beyond Finance account dashboard, just before my second deposit came out. Beyond Finance had taken 37% off the top of my initial deposit. When I confronted them about this, I couldn't get a straight answer on where it went from anybody. Finally I was told it was fees, fees, fees. This fee, that fee etc.. After that I told them I was not aware of the staggering amount of fees being taken from my deposits and that I need to do some research about this and to my surprise, I am finding hundreds and hundreds of negative reviews and complaints from this company. Some about other issues but a lot of the complaints are about the unclear fees. When my second deposit hit, they adjusted my fees to reflect 19% from my deposits, but had I not said anything to them I would likely be out quite a bit of money, especially over a long period of time. I had requested cancellation of my account and a refund as they promised. The only thing that they did, a day later, was cancel my next scheduled deposit but the three deposits after that remained on the schedule. The next day I asked again to please cancel my entire account and send me a refund of my deposits. They keep saying someone will reach out to complete cancellation as it is a requirement. It has been over 2 days and I'm still waiting on said phone call. Let's see how this goes because none of my accounts are even close to being negotiated. I just want out and my money back before I go through what apparently hundreds of other people have already gone through, if not thousands...

  

  Business Response

  Date: 02/27/2025

  Mr. ************************** 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.
  
  
  Review has confirmed that the fees charged are related to your dedicated savings account and your legal protection program, all fees that were clearly disclosed to you at the time of your enrollment.  Our records reflect that you have had the opportunity to address this concern with an account manager to your full satisfaction.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:02/07/2025

  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.

  Roughly about 2 years ago I was reluctant at first to give this company a try as *** handled credit negotiations my self. This company beyond finance promised a speedy and hassle free approach to contacting creditors and negotiating better deals to which once fully paid off they would claim a 25% fee. Beyond Finance for 25 months before I called and stopped the program negotiated a lower amount for example I received a debt cancellation letter for taxes out lining the balance from *********** listed at 800 dollars. Beyond finance charged me 1650 and then paid themselves 25 % of that settled amount. This goes for other accounts where I contacted the creditors and had a smaller ***** then what was being reported by beyond finance. Not only did they pay themselves over 2500 in fees and services I did not know about but my debt resolution was taking a very long time since the money deposited was not going towards my debt but they pockets.

  

  Business Response

  Date: 02/21/2025

  Mr. *******, 
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  A thorough review of your program has been completed as it relates to the issues you addressed in your communication.
  
  
  At the time of your requested termination you had approved offers on six of your enrolled accounts.  Of those, three were completed and three were in progress.  You approved your first offer roughly four months into your term, which is in alignment with the established expectations.
  
  
  Review confirmed that at the time of your enrollment you were educated, both verbally and in writing, about the program fee.  This is inclusive as to how and when the fee is earned and collected.  For reference, you can review paragraph 11. (a) Program Fees in your copy 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"
  
  
  All fees were earned appropriately and within the established expectations.  All of your debts were resolved at the verified balance amount as provided by your creditors.  
  
  
  Should you have any additional questions or concerns, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:02/06/2025

  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.

  Dear Better Business Bureau,I am writing to file a formal complaint against Beyond Finance, a debt resolution company. On January 26, 2025, I initiated my first withdrawal request of $4,500 from my dedicated account, which holds a total of $10,000 for debt repayment purposes. Despite multiple follow-ups over the past two weeks, Beyond Finance has failed to process my withdrawal, providing only vague assurances to bear with us or be patient without offering a concrete resolution or timeline.This delay has caused significant financial strain, as I rely on these funds to manage my debt obligations. I have observed that similar complaints have been lodged against Beyond Finance, indicating a potential pattern of delayed fund disbursements and inadequate customer service I am seeking the immediate release of my requested funds and a comprehensive explanation for the delay. I trust that the Better Business Bureau can assist in facilitating a prompt resolution to this matter.Sincerely,****** ******

  

  Business Response

  Date: 02/19/2025

  Mr. ******, 
  
  
  Thank 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 the time of your requested termination you had approved one offer.  This offer was approved roughly three months into your term, aligning with the established expectations.
  
  
  We apologize for the inconvenience.  It is important to keep in mind that Beyond Finance is not the financial institution that holds your funds, rather ********************************* (CFT) does.  Due to a new policy implementation within CFT, there was a delay in processing your request.  
  
  
  Our records confirmed that you have since received all funds as requested.  Should you have any additional concerns, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC