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

• 

  Beyond Finance

  7322 Southwest Fwy Fl 14 Houston, TX 77074-2128

• 

  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:10/10/2024

  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 owes me ******** refund that they claim to have issues on 09/07. I have yet to receive. They have claimed to have sent it 3x's now, and each time, the amount gets smaller. They have had 3 different addresses they claim to have sent it to and now they are decoction ***** each time I ask for my funds. Please help!

  

  Business Response

  Date: 10/17/2024

  Mr. *********************** you for the opportunity to assist with your concerns.
  
  
  Review of your program determined that the initial attempt to issue you refund was rejected by your financial institution.  In order to accommodate, the refund was requested again in the form of a paper check.  This check was sent to the address on file, however the apartment number was not on file.  This check was cancelled and a new check was issued.  Records reflect the check issued on October 5, 2024 has been received and processed.
  
  
  As a courtesy, a refund of the one time stop withdrawal fee in the amount of $17.50 that was assessed will be issued.  This will be issued via check to the same address.  We are hopeful this will be a satisfactory resolution to your concerns.  Should you have any remaining questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:10/10/2024

  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 is using third parties to send mailers for loans to recipients nationwide. Once a recipient calls in for the offer they are refered to beyond finance for debt consolidation services, even when they have good credit. Beyond finance is using the lowest known credit scores reported for their clients to trick them or create a sense of urgency for their services. This a is a scheme built on manipulation that results in destroyed credit scores for the customers and sets people back years in terms of financial strength and leverage. The company's business model is in need of review and monitoring by an oversight agency and their customers vary well may be entitled to a class action suit for damages.

  

  Business Response

  Date: 10/17/2024

  Mr. *******,
  
  
  Thank you for the opportunity to address your concerns.
  
  
  Rest assured that Beyond Finance is a legitimate company with a verifiable history of success.  ************* is in alignment with our high standards and dedication to ethical practices.  
  
  
  Customers may be referred for our services for a variety of reasons, but are always fully and properly educated about the product offered and are at no time obligated to move forward with the program.  The details of the program, including the impact to creditworthiness, are covered both verbally and in writing at the time of enrollment.
  
  
  We understand the program is not the best fit for every financial circumstance and take great care to ensure full transparency.  
  
  
  We are hopeful we have been able to provide useful clarity to your concerns.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:10/04/2024

  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 entered the program because I was paying more in interest and not getting anywhere. I was told I had to stop paying on my 6 accounts I had enrolled in the program. I stopped paying with the understanding from Beyond that they would negotiate my debts in 3-6 months. It wasnt until after 4 months of payments to Beyond that I realized all of the money I had deposited in my dedicated account was so that they could negotiate 1 account and only pay them $50 and Beyond pay themselves $1700. I was told that it would take them 3-6 months to negotiate all of my accounts not use the money I deposited for their 25% fee prior to negotiating any other account. When I called I was told they would put in a request to have the money refunded to my account. $1700 could be used to negotiate other accounts or even pay the negotiated account that they did settle. It is sickening to know that they take advantage of people in tough spots, get them to think they are working to negotiate their debts and really are only interested in taking their fee prior to resolving any other debts. I am now having to consider other options such as bankruptcy because I was lied to from the very beginning about how the program works and their staff to very little to educate on the ramifications of their program and lie and say that debts will be negotiated in 3-6 months. I would have never agreed to a program that would take up to 55 months to negotiate debts. I agreed on a program to be debt free in 55 months with regular payments being made 3-6 months to all of my creditors not just one in that timeframe.

  

  Business Response

  Date: 10/10/2024

  Mr.  Lucero 
  
  
  Thank you for the opportunity to address your concerns.
  
  
  Review of your enrollment interaction confirmed that you were advised that you could expect to reach your first resolution offer within 3-6 month, an expectation that Beyond Finance met.  Additionally, you were educated as to how and when Beyond Finance earns the fee related to the resolution offer.  Upon successful negotiation, your authorization and, at minimum, the first payment to the creditor Beyond Finance is able to earn our fee in full.  
  
  
  In this circumstance, Beyond Finance elected to earn only a portion of the full fee amount due to allow for the accumulation of funds to help secure additional arrangements.  At the time of this response we indicate that there is another resolution offer pending your review for approval.
  
  
  It is important to keep in mind that this program is designed to care for all of the included accounts as well as their related fees throughout the lifetime of the enrollment.  
  
  
  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

  Customer Answer

  Date: 10/13/2024

  Beyond Finance lied and deceived in its enrollment process. If I would have been properly informed of how the process works and when debts would have been resolved I would have never entered into the program. I would have never agreed to not pay my debts if I was not told it would Beyond Finance 3-6 months to negotiate all of my debts not up to 55 months. Now I am in a financial situation of not paying on 6 of my accounts and could possibly facing litigation which will come at my expense. If Beyond Finance takes 55 months to negotiate all of my debts then it should take 55 months for Beyond Finance to collect its fees not Beyond Finance taking the money I have been depositing into my account and not using those funds to negotiate all of my accounts. It is deceitful on how Beyond Finance states how they do business and trap individuals and then bankruptcy is their only solution. Had I filed for Chapter 13 all of the debts would be getting paid under a Chapter 13 Plan. Beyond Finance is more concerned about taking their fee and instead of me paying what is owed they are taking that portion for themselves and not negotiating debts leaving people in a worse financial spot than before due to their lack of education on how the program works and how long it will take them to negotiate their debts. I was never told it would take 3-6 months for 1 account I was told 3-6 months for ALL of my accounts to be negotiated. I would have ever agreed to 55 months of not paying on any of my accounts. Additionally I had 4 other accounts that are not apart part of the program I was told had to be paid off by October which they will be which clearly was untrue and put me in a more difficult situation. I never said Beyond Finance did  not deserve their fee I am saying they are taking their fee in an improper manner and are not using those funds to negotiate my debts and are taking their fee first PRIOR to actually doing what they were contracted to do. 

  

  Business Response

  Date: 10/23/2024

  Mr. ******, 
  
  
  Thank you for the continued opportunity to address your concerns.
  
  
  Review confirmed that during your enrollment interaction, the agent took time to answer all of your questions as well as walk you through the enrollment agreement prior to your signing.
  
  
  The expectation was clearly set that you could expect to see your first resolutions within 3-6 months and additional resolution offers subsequently throughout your enrollment period.
  
  
  Additionally, Beyond Finance is clear as to how and when our fee is earned.  This was covered both verbally and in writing at the time of your enrollment. Review of your program confirmed that all fees were earned within the established expectations.  The program is designed to care for both the payments towards your approved resolutions as well as the related fee throughout the duration of the program.
  
  
  Our records reflect that an account manager has made several efforts to connect with you to discuss your concerns in detail, but has been unsuccessful.  We are eager to reach an agreeable resolution and welcome you to reach out at your convenience.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:10/03/2024

  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 financial is a credit consolidation company. Before beyond my credit was excellent. They assured me they would help and my credit would go up again within 6 months. I signed up in March 2024. They did not make an offer until August considering i was making payments of ****** ever two weeks. I initially received an offer on August 5th which i accepted however i messaged over customer chat that i wanted to withdraw my acceptance and wait because i was trying to get a loan to pay off all my debt. I canceled/withdrew August 8th. August 15 i see a payment of 550 was made to my creditor, as well as a ****** fee credited to them. Soon after the payments they cancelled the offer as well as removed the account from the consolidation. The account was never resolved except for one payment made. I called to inquire about the closure of my account and they claimed i wanted access to my account which i never called or inquired about. I asked to terminate my full consolidation because it seemed very shady. I also requested a refund for the remaining balance in my designated account as well as a fee refund for the ****** they charged me when my account was not resolved. The manager i spoke to said he will refund my designated amount as well as terminate my account. He mentioned i if i withdrew the offer before August 15th i would get a refund for the fee they charged. A few days later i see a refund of only ****** when i had over 800 plus the ******. I called again, spoke with a representative whom also spoke with a a manger about why my refund was short. They apparently didn't refund the fee but charged me another 160 towards bogus fees and said that i didnt withdraw my offer acceptance until after the payment was made on the 15th. I asked them to review chat and phone records which they didn't. They told me to call back and speak with another manager because it was late. At this point i feel that whoever i speak with will not help me.

  

  Business Response

  Date: 10/10/2024

  Ms.  ********, 
  
  
  Thank you for the opportunity to address your concerns.
  
  
  Review of your enrollment interaction confirmed that you were advised that there would be an initial impact to your creditworthiness but you could expect to see recover from the around the 6 month **** of your program.
  
  
  Additionally, you were advised that you could expect to see your first resolution offer roughly 3-6 month into the program.  Beyond Finance met this expectation securing your first offer roughly 4 months into your program. Our records reflect that you elected to remove this tradeline on August 20, 2024, after the first payment had cleared.
  
  
  We are hopeful we have been able to provide clarity to your concerns. Should you have any further questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 10/10/2024

  I was told I would receive a refund for the fees charged for the only credit card an offer was made to if I cancelled the offer before August 15th. I cancelled before the 15th and a payment was still made to the creditor as was the fee charged to my account. I would like a refund for the fees considering I cancelled the accepted offer before August 15th which was when the payment was made. 

  

  Business Response

  Date: 10/18/2024

  Ms. ********, 

  Thank you for the continued opportunity to address your concerns.

  Review of your program confirmed that you requested to remove the account on August 20, 2024, after the payment had already been made.  This is in alignment with the information provided to you by the account manager during your interaction on September 24, 2024.

  We are hopeful this provides additional clarity to your concerns.

  Sincerely,

  Beyond Finance, LLC

  Customer Answer

  Date: 11/15/2024

  I did not request the account to be removed. It was removed without my knowledge or permission. Why would I remove an account that I had paid resolution fees towards? When I spoke to the female she stated I would not be charged the resolution fee when there was another resolution offer. Not once during that conversation did I ask to have the account removed nor did I want access to the credit. I asked to receive an invoice on where the fees were allocated. I then receive a notice the account was removed. I did not ask for the account removal that is a lie. Why was the account removed without me asking nor consent? The account was removed soon after you charged me the resolution fee. It does not make sense for me to remove the account that would make no sense! 

• Initial Complaint

  Date:09/27/2024

  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.

  Complaint: Non-compliance and Misleading Communication by Beyond Finance I am deeply frustrated with Beyond Finances handling of my debt resolution. I took out a loan through Above Lending to graduate from the Beyond Finance program, with more than enough funds to pay off my debts, including a remaining loan with ********************* for $4,521.60. Despite claiming to have contacted the credit union to resolve this, St. Anns confirmed they were never contacted. Beyond Finance continues to delay payment, prolonging the process and preventing me from improving my credit. I believe this is intentional so they can continue to collect interest on the funds sitting in my account, rather than resolving my debt.This situation has been a major inconvenience, and I need this resolved immediately. Beyond Finance has been misleading and has failed to act in good faith.*** ******** ************

  

  Business Response

  Date: 10/04/2024

  Ms. ********,
  
  
  Thank you for the opportunity to address your concerns.
  
  
  Review of your program confirmed that you were approved for the Graduation Loan through Above Lending. Rest assured that Beyond Finance is working to secure the arrangement on your final account with St. Anne's.  We understand that they have provided you with conflicting and inaccurate information, but we have been in contact with them.
  
  
  Additionally, Beyond Finance does not benefit in any fashion for the length of time it takes to secure the arrangement as we earn no interest.
  
  
  We will continue to be in close communication with you regarding this matter and are looking forward to presenting you with a resolution offer.  
  
  
  Should you have any additional questions, please do not hesitate to contact us/
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 10/04/2024

  Im frustrated with the ongoing avoidance of my clear request to pay off this debt. It is unacceptable that, despite direct instructions, nothing has been done.
  
  Its unethical that my funds are secured with your agency specifically to pay off this debt, yet no action has been taken. The bank has provided you with direct contacts, asked for details, and received no response from you. Each time I get an email, there are conflicting errors and false claims. Youve repeatedly stated youve contacted the bank, yet they confirm this is untrue.
  
  I am not requesting negotiations or a lower payment. There is more than enough money in my account to pay this debt in full, and I expect the remaining balance to be reimbursed. All other debts with your agency have been settledthis is the final one. If this is not resolved by next week, I will pursue legal advice regarding this matter.
  
  Pay this debt immediately and stop delaying. Thank you!
  

  

  Business Response

  Date: 10/23/2024

  Mr. ********, 

  Thank you for the continued opportunity to address your concerns.  We are pleased to confirm your graduation from the program on October 11, 2024.  We are hopeful this is a satisfactory resolution to your concerns.  Should you have any additional question, please do not hesitate to reach out.

  Sincerely,

  Beyond Finance, LLC

• Initial Complaint

  Date:09/26/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I finished paying all of my creditors enrolled in my beyond program on 8/26. I have over $18000 remaining of a loan in the account that was dedicated for my settlements. Beyond has on countless occasions told me it would be refunded within 7-10 days. When that passed, they have switched up the story numerous more times. They are now telling me they cannot give me an estimated date for the money, Im having a hard time trusting anything they say considering Ive been told so many different things by different representatives.

  

  Business Response

  Date: 10/03/2024

  
  Mr. *****, 
  
  
  Thank you for the opportunity to address your concerns.
  
  
  Upon review of your program we are happy to confirm that you have officially Graduated and your refund was issued on September 27, 2024.  We regret any delay, but take the final review of your program seriously and want to ensure we are setting you up for success upon Graduation.
  
  
  Should you have any additional questions please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 10/03/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ****** *****
  
   
  

• Initial Complaint

  Date:09/26/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am using Beyond Finance to make a settlement to ************ on my behalf. I have more than enough funds in my account with them to pay off the debt in full. It has been almost a year of trying to get this paid off. I check in with Beyond Finance to get a status and each time I am told that it has been over a month since someone from their negotiations team has made any contact with ************. And each time I am told that they will push mine to the top of the list but nothing happens. At this point, I do not care if they can negotiate down. I have the full amount needed to pay off Rocket Loans and I do not understand why nothing is being done.

  

  Business Response

  Date: 10/10/2024

  Ms. **************************** you for the opportunity to address your concerns.
  
  
  Rest assured that Beyond Finance is working to resolve the matter with Rocket Loans.  We are reliant upon the creditor being responsive in these matters.  We have scheduled to have an account manager reach out to you to discuss all of the options available to you in regards to resolving this matter to your satisfaction.
  
  
  We look forward to speaking with you to reach a resolution.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:09/25/2024

  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.

  This is a debt resolution company who has been taking my money for 4 years. My debt is nearly paid but they are holding back paying last 2 accounts for months now. There's enough in my dedicated account plus $77 left over they need to give back to me. When I called about 6 x they give me the same schpeal. I'm done I want my credit score to go up now so I can get on with my life! Thank you

  

  Business Response

  Date: 10/09/2024

  Ms. Clifton White, 
  
  
  Thank you for the opportunity to address your concerns.
  
  
  Review of your program confirmed that you have revoked authorization from your dedicated account.  With this in place, we are unable to present new offers.  We have scheduled to have an account manager reach out to you to determine the best resolution to your request.
  
  
  We look forward to connecting with you soon and  working with you to resolve this matter to your satisfaction.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:09/24/2024

  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 this program and was given the expectation of debt resolution in 48 months. Given my total debt, that was never a possibility. I was told my credit would be impacted but should start to rebound after about a year and all creditors were contacted, which was also a lie. I've been in it for over two years now, my credit is at an all time low and now I have a loan through their "graduation" program. The loan was for 17k, the amount of remaining debt paid off was *****, and the remainder was supposed to come back to me. So, simple math, I thought I would have around 5-6k to put towards that loan, but after they hit me with all the settlement fees, what I got back was 1200. Insane. Over the life of this program, I've paid $6557.74 in settlement fees and monthly payments. In addition to that, I paid $500/mo into it to have debts settled, and after two years, only one account was completed and not negatively reporting to the credit bureau. It shows they "reduced" my debt by $7,805.49, but I didn't come out ahead because all their fees were almost the same amount. I would NEVER do another program like this and will make sure that everyone knows who Beyond Finance is. Not a solution to reduce/pay off debt, but a predatory program that takes people already struggling financially and "reduces" debt, but still takes a fee of 25% of the ORIGINAL enrolled debt. It's shameful and I can't even express how much I regret letting myself be conned into thinking this was a good solution.

  

  Business Response

  Date: 10/01/2024

  Ms. ********************** you for the opportunity to address your concerns.
  
  
  We confirmed your enrollment into the program on December 2, 2022.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  At this time, you were established in a program with an estimated length of 48 months.  It would be irresponsible for us to guarantee a specific program length given the nature of debt resolution.  
  
  Regarding the manner in which your creditors chose to report to the credit bureaus, as Beyond Finance does not assume your debt we are unable to control how it is reported.  
  
  
  The manner in which Beyond Finance earns our fee is covered during your enrollment interaction and provided in writing via your Enrollment Agreement.  It can be located in paragraph 11. (a) and 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 earned were done so within the established expectations.
  
  
  We are hopeful we have been able to provide clarity to your concerns.  Should you have any additional questions, please do not hesitate to ask.
  
  
  Sincerely,
  Beyond Finance, LLC 

  Customer Answer

  Date: 10/01/2024

  This response is exactly what I expected after the experience I had to this point. I will deal with the financial situation I find myself in after your "help" and will be sure to make it known to anyone who inquires about these predatory programs. 

  

  Business Response

  Date: 10/10/2024

  Ms. ****, 

  We are eager to provide you with additional assistance.  We invite you to provide details as to why you remain unsatisfied and we will review further and continue our effort to bring resolution to this matter.

   

  Sincerely,

  Beyond Finance, LLC

  Customer Answer

  Date: 10/11/2024

  I don't need any further assistance from you and I don't accept your "resolution". 

  Thank you.

• Initial Complaint

  Date:09/23/2024

  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.

  Used this company to help settle debts.Spent over $8400 to the company.More money went to the company in "settlement fees" than in paying down the debts.

  

  Business Response

  Date: 09/30/2024

  Ms. *********, 
  
  
  Thank you for the opportunity to address your concerns.
  
  
  Review of your program reflects that prior to your termination request you authorized twelve resolution offers.  Records confirm that you deposited $6,458.79.  Of this, $3,576.20 was paid towards your active resolutions and $2,461.44 was earned in fee.  Of the $2,461.44, $1,480.57 was earned prior to your request to terminate.  Upon your termination request, fees owed towards approved resolutions were accelerated.
  
  
  It is important to keep in mind that the program is designed to care for both your enrolled debt and the related fees throughout the duration of the program.  Beyond Finance met all established criteria to earn the fee as it related to your approved resolutions.  
  
  
  We are hopeful we have been able to provide clarity to your concerns.  Should you have any questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC