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:04/19/2024

  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.

  I have been working with beyond finance for a couple years. In the time working with them they do not disclose the amount of money they are taking fourth right and their employees avoid informing people of the amount the process costs. They claim to be saving you half of what you owe but in reality after all is paid they will take out 25% so you may have saved 25% of your debt in the process they ruin your credit and put you in a terrible financial place. I accepted a loan from their partner because I was randomly charged 965 dollars when our agreed twice a month payment was in the 240s. They use tricky manipulative tactics on people in bad situations with giving very little information to their clients.

  

  Business Response

  Date: 04/26/2024

  ******************, 
  
  
  Thank you for the opportunity to address your concerns.
  
  
  We confirmed your enrollment into the program on August 29, 2021.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  Information about fees can be located under the section titled "Debt Resolution Agreement" 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."
  
  
  Additionally, an estimated breakdown is provided under the section titled "Schedule A List of Creditors and Debt & Program Details".  This section provides an estimate of the fees as well as the estimated program savings.  Our agents are unable to provide specific amounts prior to securing an offer with your creditor.
  
  
  This program is designed to reduce the balance owed on enrolled accounts by an estimated 50%.  On average, you have realized a 46% offer rate.
  
  
  We are hopeful we have been able to provide clarity to your concerns.  We regret if there has been any miscommunication but disagree that we have failed to be transparent.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:04/19/2024

  Type:Billing 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.

  3/20/24, enrolled in debt consolidation with above company. 4/15/24, sent Priority Mail letter to ******, ** office and it was received at PO Box address. 4/16/24, called ******, ** office and told a representative that I no longer wish to be in their program. She said, okay, no problem. I received an email confirming that. In the meantime, my credit cards with **** of ******* ****** were closed due to "working with a third party" notice. When I told them I no longer wanted to be enrolled, THEY NEVER LET THE **** KNOW, so my cards were closed/revoked. I always pay my bills, never late, and I DO NOT DESERVE THIS. I am a senior, living on social security, and this is a crime against me! I called Beyond Finance and made it known that I am not happy with their company at all. The representative who took my call to unenroll did not follow through with letting the creditors know on 4/16/24, so they continued with closing the cards in error! The representative today is sending a revoke power of attorney form to the bank to see if my cards can be reinstated in 48 hours. Not much help!

  

  Business Response

  Date: 04/26/2024

  ********************, 
  
  
  Thank you for the opportunity to address your concerns.  We apologize for any frustration or inconvenience you have experienced.
  
  
  Review of your program confirmed that communication was sent to **** of America prior to your requested termination from the program.  Beyond Finance makes every effort to begin working towards resolutions in a timely manner once enrollment has been completed.  We regret if there was a negative impact, and have issued the requested revocation, however Beyond Finance does not have influence on **** of America's decision.
  
  
  Should we be able to facilitate any additional requests from **** of America to confirm you are no longer enrolled in the program, we will be happy to do so.  Should you have any additional questions or concerns, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 04/26/2024

  
  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:04/15/2024

  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.

  The agent that signed us up for Beyond Finance sold us on an entirely different story than the truth. We were told that the company would contact all the creditors at once and setup a payment schedule. At this time, we have credit scores close to 700 and was not late with ANY creditor. This is why this question we continuously asked. 1 year and 1 month later, Beyond has taken $4857 of our money and has paid 4 accounts off totaling $1347. They are currently in process of resolving 5 accounts and have paid out $710. So out of $4857, that have paid out $2057 and pocketed $2794!!!!!!!! Our credit scores are at high 400s. And 9 accounts have no contact at all! The loan that was offered was for $17k which is way more than whats needed but pay back would be 30k plus more fees! Not to mention the agent added very old accounts that were about to charge off into our enrolled debt as a hypothetical but never removed them. The Ctual accounts we needed paid on hasnt even been touched. We want to ****

  

  Business Response

  Date: 04/22/2024

  ******************,
  
  
  We confirmed your enrollment into the program on March 8, 2023.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing. Information about the estimated timeframe of contact with your creditors can be located under the section titled "Debt Resolution Agreement" in paragraph 8. "Timing and Program Estimates". It reads, in part, as follows:
  
  
  "We begin contacting your Creditors as soon as we determine that a good faith effort to resolve a given debt, whether on a lump-sum or installment basis, may be made, with such determinations dependent upon such factors as the Creditors settlement policies, the rate of account accretion, the size of each Debt and how close a Debt may be to charge-off. Some Creditors prefer that they not be contacted until you have accumulated sufficient funds in your Dedicated Account to allow a resolution within their historic norms. While guidelines differ widely among Creditors, in our experience an accumulation of 25%-50% of the then-current balance of a Debt and approximately 4-6 months from the last payment will normally enable us to make a good-faith offer to resolve your first and subsequent Debts"
  
  
  Beyond Finance exceeded established expectations in this area, presenting your first offer to you less than a month after enrollment. The program is designed to care for your enrolled accounts throughout the lifetime of your enrollment period.
  
  
  Information about impact to your credit can be located under the same section in paragraph 13. "Disclaimer". It reads, in part, as follows:
  
  
  "The use of Companys debt resolution services will likely adversely affect Clients creditworthiness..."
  
  
  Regarding the loan amount offered, Beyond Finance is a separate entity from Above Lending and does not control any aspect of the loan details.
  
  
  We are hopeful we have been able to provide clarity to your concerns. 
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:04/11/2024

  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.

  I was looking for debt consolidation and Beyond advise me verbally that they would settle with my credit companies. They even told me that they would be able to settle with Mariner Financing which is a complete lie. They told me that my credit would drop and come back within months. My credit score tanked to 394! I've been sent to collections and threatened to be sued. They deducted $2811.11 from my account. I cancelled and was expecting a refund. They claim its for "settlement fees". These fees were never disclosed to me during the initial sign up process. The representative omitted any mention of a 25% fee that would be charged. This deliberate act of deception is unacceptable and unethical. It is evident that Beyond intentionally leaves out crucial information about fees in order to entice consumers to join their program. This deceptive practice violates consumer rights. I am deeply disappointed and feel betrayed. I demand immediate reimbursement of $2378 of the settlement fees they deducted from the $2811.11 that was withdrawn from my account.

  

  Business Response

  Date: 04/17/2024

  ****************,
  
  
  Thank you for the opportunity to address your concerns. 
  
  
  We confirmed your enrollment into the program on January 8, 2024.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  Information about fees and when they are earned can be located under the section titled "Debt Resolution Agreement" 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..."
  
  
  "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."
  
  
  This information was clearly disclosed at the time the agent reviewed your enrollment agreement with you.  Beyond Finance met all established criteria prior to earning any installment of the fee.  At the time of your requested termination you were in two active settlements.  After the earned fees there were no remaining funds in your dedicated account for a refund.
  
  
  Information about the impact to your credit and the possibility of collections or litigation are covered in the same section in paragraph 13. "Disclaimer".  It reads, in part, as follows:
  
  
  "The use of Companys debt resolution services will likely adversely affect Clients creditworthiness..."
  
  
  "Clients enrolling in the Program may be subject to collections or sued by their creditors or debt collectors for nonpayment..."
  
  
  It was confirmed that during your enrollment interaction the agent advised of the credit impact and that it could start to show signs of improvement around six months, but did not guarantee this result.
  
  
  We are hopeful we have been able to provide clarity to your concerns. 
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 04/17/2024

  Obviously Beyond knows that Im in a financial downfall and they just STOLE my money. What an awful way to treat anyone, kick them when theyre already down. Ridiculous. Im not accepting their response and will continue to fight. 

  

  Business Response

  Date: 05/02/2024

  ****************, 
  
  
  Thank you for the continued opportunity to address your concerns.
  
  
  Beyond Finance acted in accordance with all expectations prior to earning any portion of the fee related to your authorized resolution offers.  We were pleased to have been able to present you with two offers, both of which you accepted, within roughly three months from your enrollment date.  
  
  
  We understand your frustration, but disagree that our program failed to provide you with realized benefit. All fees, including how and when they are earned, were clearly disclosed during your enrollment interaction both in writing and verbally.
  
  
  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 05/02/2024

  I am not accepting their response. Beyond stole my money! Their business ethics are dishonest and despicable. All of their BBB complaints are exactly the same. 
  

  The company takes advantage of the people who are at their lowest point in life. Again, kick them when theyre already down and steal their money. 
  

  I am still demanding a refund and will continue to do so until I see it in my account. 

• Initial Complaint

  Date:04/09/2024

  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.

  July 2023 to April 2024 Beyond Finance deducted payments of $685 per month from my account that was supposed to be used for debt payments. I worked very hard to make these payments and was excited to have a way out of debt. In phone conversations, I was told my debt would be settled in six months or less. I was told that they would not take fees until all of my debt was settled. Months passed and then just one of my debt accounts was "settled". Beyond Finance then transferred all of my money, not to my creditors, but to themselves. So my dedicated account has no way of ever having enough money in it to settle with the remaining creditors. So, this is no way out of debt at all. Instead I have just paid a third party over 5000 to rob me. ??

  

  Business Response

  Date: 04/16/2024

  ******************, 
  
  
  Thank you for the opportunity to address your concerns.  We apologize for any inconvenience or frustration you have experienced.
  
  
  We confirmed your enrollment into the program on June 19, 2023.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  Information about when fees and when they are earned can be located under the section titled "Debt Resolution Agreement" in paragraph 11. (a) "Program Fees".  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."
  
  
  Review confirmed that this offer was approved by you on October 14, 2023.  The first payment was made on October 26, 2023 and the first installment of the fee was earned on October 28, 2023.  Beyond Finance met all established expectations as it pertains to earning the fee related to this arrangement.
  
  
  
  Information about the timing of offers can be located in the same section under paragraph 8. "Timing and Program Estimates".  It reads, in part, as follows:
  
  
  "Further, in our experience it typically takes approximately 4-6 months before reaching the stage at which Company can begin reaching out to creditors or collectors and achieve your first resolution."
  
  
  Your first offer was presented to you within the established timeframe.  The expectation was set accurately that you could start to see offers within this timeframe, not that all of your enrolled accounts would be in active arrangements.  Your program is designed to care for both the arrangement payment and fees throughout the lifetime of your enrollment.
  
  
  We are hopeful we have been able to provide clarity to your concerns.  Should you have additional questions, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:04/08/2024

  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.

  My issue is that the company did not inform me that late fees and interest would continue to add up while my bills were not getting paid, and my debtors were not made aware I was with Beyond Finance to try to se4ttle my debit with them. My debit increased more during the time I was with Beyond Finance than when I started. Now I am in even more debit than what I started with and my credit score has dropped over 100 points because of this situation.I am the sole financial supporter in my family and now I am in a worse situation than I began. I feel I was not properly informed about how the plan was going to be. Now they want $50 a mont to pay off a $1500+ fee. For what ************ DID NOTHING TO HELP ME. ALL THEY DID WAS CAUSE ME MORE FINACIAL STRESS AND ANXIETY.I feel this company takes advantage of people who need and want help.

  

  Business Response

  Date: 04/22/2024

  ********************,
  
  
  Thank you for the opportunity to address your concerns. 
  
  
  We confirmed your enrollment into the program on October 5, 2023.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  Information about impact to your credit as well as continued accrual of fees and interest can be located under the section titled "Debt Resolution Agreement" in paragraph 13. "Disclaimer".  It reads, in part, as follows:
  
  
  "The use of Companys debt resolution services will likely adversely affect Clients creditworthiness and may increase the outstanding balances of Clients enrolled accounts due to the accrual of fees and interest."
  
  
  Our records indicate that you opted to terminate your program prior to the estimated graduation date.  The program is designed to care for your enrolled accounts throughout the lifetime of the enrollment period and thus providing you the estimated savings.
  
  
  At the time of your requested termination you were in an active arrangement and there was a remaining balance on the fee earned.  This fee is being cared for in accordance with expectations as set forth in your enrollment agreement under the sections entitled "Direct Debit Authorization".
  
  
  "Additionally, if the Debt Resolution Agreement is terminated, either by you or Beyond and the funds in your Dedicated Account are insufficient to pay Beyonds outstanding Fee(s), then, by your execution of this Direct Debit Authorization, you understand that you are authorizing an electronic debit to be initiated from your Primary Account identified below, for the purpose of paying Beyonds Fee that has been earned for each enrolled debt that is settled, pursuant to the requirements set forth above."
  
  
  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: 04/22/2024

  I feel the business was not fully honest in explaining the process and incurring fees 

  and took advantage of person trying to better themselves 

  

  Business Response

  Date: 05/02/2024

  ********************, 
  
  
  Thank you for the continued opportunity to address your concerns.
  
  
  Regarding your continued concerns about fees related to the program you can find information about the amount and how/when they are earned under the section titled "Debt Resolution Agreement" 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."
  
  
  Additionally, a summary of fees is provided in the same document under the section titled "Schedule A List of Creditors and Debt & Program Details".  This information is consistent with the information provided verbally during your enrollment interaction.
  
  
  Beyond Finance acted in accordance with all established expectations and presented the program in a clear and transparent fashion.  Should you have any additional concerns, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:04/03/2024

  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.

  started a debt consolidation program , and this company keeps dafaulting on their promise. they take money each month and ask for more and dont settle the debt am owing.

  

  Business Response

  Date: 04/10/2024

  Mr. Adesuyan,
  
  
  Thank you for the opportunity to address your concerns.  We apologize for any inconvenience or frustration you have experienced.
  
  
  In your complaint you expressed dissatisfaction with your program progress.
  
  
  Review of your program confirmed that Beyond Finance has secured two resolutions that were approved by you.  One of them has been fully paid and is completed and the other is in progress.  Additionally, we have extended several conditional offers on your **************** account.  Given the status of this account, it has taken priority in the resolution process.
  
  
  Rest accrued that Beyond Finance is providing you with our best effort in reaching offers for you.  Records indicate that we have made several efforts to reach you to discuss your program, but have been unsuccessful in connecting with you.  Should you still have outstanding questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:04/03/2024

  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.

  On October 13 2023 I was looking for debt consolidation due to my financial hardship. Beyond finance representative was very pleasant on the phone and convinced me to sign up with them assuring me that the will reduce my debt at least 50% . My payments will be $320 monthly for ***** month and I will be debt free. With this settlement their fee was included. Well that was not true. They lied !! After 6 months they send only one settlement from my discover from $5345 to $3741 !!! With hesitation Ive accepted offer since it was a long time but I called customer service on March 11 , 2024 and asked what is going on with settling accounts. I was told that they dont have any accounts in motion to settle ??? After 6 months. I asked to cancell my account. To my surprise on April 3 rd I discovered that company took $ 1336 from my account as their FEE for settling Discover!!! They charged 25 %of the original debt !! That means that they settled my account for $400 less. Their fee was supposed to be included in settlement amount . It was clear con and mispresentation. I am senior citizen on disability and they took advantage of me . They guaranteed money **** if I decide to cancell but now they refusing to do that. I insist on full refund. They ruined my life !!! I am devistated and so disappointed in system that allows corporation to take advantage of people when they need help the most. What kind of society we have become???

  

  Business Response

  Date: 04/17/2024

  Ms. **********,
  
  
  Thank you for the opportunity to address your concerns.
  
  
  We confirmed your enrollment into the program on October 13, 2023.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  Information about when fees and when they are earned can be located under the section titled "Debt Resolution Agreement" 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..."
  
  
  "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."
  
  
  Beyond Finance met all established criteria prior to earning any installment of the fee earned in relation to the approved arrangement.  Review of the enrollment interaction confirmed this information was presented appropriately.  You were informed that the fee was included in your program estimate and would be cared for via your established monthly deposit into the program.
  
  
  Additionally, information about program estimates can be located on the first page of your enrollment agreement.  It reads, in part, as follows:
  
  
  "We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time"
  
  
  At the time of your requested termination from the program, you were not charged a cancellation fee.  The fee earned was in relation to the authorized settlement.  Records confirmed that a refund in the amount of $280.66 was issued on April 4, 2024.
  
  
  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: 04/17/2024

  Dispite my attempts to cancel this , they were not letting go. They took all the savings Ive had to satisfy theirs settlements. That I didnt want in the first place. There was no account settlement and I insist on my money to be refunded
  

  

  Business Response

  Date: 05/02/2024

  Ms. **********, 
  
  
  Thank you for the continued opportunity to address your concerns.
  
  
  Review of your program confirmed you authorized a settlement on your Discover account on March 11, 2024 via your mobile application.  The first payment was completed on March 29, 2024.  
  
  
  Your requested termination was received and completed on April 3, 2024.
  
  
  We are hopeful we have been able to provide additional clarity.  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:03/23/2024

  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.

  I was contacted last May by a "debt consolidation company" who claimed I would be debt free in ***** months. I was interested in learning more so I agreed to a phone call. The agent was *****************. After the phone call I did enroll however the agent did not provide me with all the information. He was a "great sales person " and told me to just sign the papers which I did. I have paid them over $3000 and have little to show for it. I want my $900+back in 'Settlement fees' since the debt has not been settled. They did contact two accounts and get numbers of dollars they would accept but only made one payment less than 30 days ago. I was totally misled and the company is targeting people desperate to get out of debt. I did cancel my account and told them i did not authorize them to take any more money from my bank account. I spoke to a supervisor but was angry i didn't get her name. She also told me my representative from the beginning was Azdul which i don't recognize at all. Probably a foreign country person using an American name but i did notice an accent in all the times i talked to him. Please help me out by getting my "Settlement fees" returned since they did not settle my agreement. They also answered the phone as ************** which is not the name used when I signed my agreement on line. I asked for a company but never received it. When I asked again ***** told me he was very honest and told everything I needed to know, saying it was too many pages to print.

  

  Business Response

  Date: 04/06/2024

  ********************,
  
  
  Thank you for the opportunity to address your concerns.  We apologize for any inconvenience or frustration you have experienced.
  
  
  We confirmed your enrollment into the program on June 2, 2023.  At the time of enrollment, the Account Specialist reviewed your Debt Resolution Agreement with you prior to your signing.  Information about program fees can be located under the section titled "Debt Resolution Agreement" in paragraph 11  (a) "Program Fees".  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."
  
  
  Beyond Finance met all established criteria prior to earning any installment of the fee as it related to the authorized settlements.  
  
  
  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:03/22/2024

  Type:Sales and Advertising 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 contacted Beyond Finance to help me resolve my bad debts, which they did. I accelerated my program with additional deposits into my dedicated account to pay off debt faster. I overpaid my dedicated account to be sure all debts were paid in full and Beyond Finance had all their fees paid. I have now called them 3 times in the last 60 days asking for refund which they have told 3 times I would receive in 10 days. I still do not have my refund, and they are continuing to charge my account for "missed payments" even though there is nothing more to pay and they owe me! I want my account with them closed, I want my refund and I want all missed payment fees returned to me since I don't owe anything more.

  

  Business Response

  Date: 03/29/2024

  ********************,
  
  
  Thank you for the opportunity to address your concerns.  We apologize for any inconvenience or frustration you have experienced.
  
  
  We regret any delay in processing your program for graduation.  In order to ensure we have set you up for success post graduation, we have a thorough process in place to review your program.  In instances where our customers are able to add lump sums to accelerate the process, there are a few additional steps that must take place.  In this event, we are paying off the arrangement in a lump sum which can differ from the repayment schedule established with your creditor.  We take care to ensure proper communication with the creditor and adherence to your established arrangements.
  
  
  In some circumstances, it can take longer than expected to receive this confirmation from a creditor.  **** assured that we have expedited this review for you.  We will have an agent reach out to you once it is completed and your refund has been processed.  We appreciate your patience as we work to resolve this matter to your satisfaction.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 03/31/2024

  All accounts entrusted to Beyond Finance have already been paid in full. Equifax and  TransUnion are reporting all the accounts as settled. This claim they are still paying on these accounts is absolutely bogus. I want this account closed and my full refund processed this should never take over ******************************************* full. That includes the "missed deposit" fees returned.

  

  Business Response

  Date: 05/02/2024

  ********************,
  
  
  Thank you for the continued opportunity to address your concerns.  
  
  
  Our records reflect that your program graduation was completed on April 4, 2024.  Your refund of remaining funds was issued on April 5, 2024.  
  
  
  We are hopeful this is a satisfactory resolution to your concerns.  Should you have any questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 05/02/2024

  
  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,
  
  *********************************