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

  222 N La Salle St Ste 1600 Chicago, IL 60601-1112

  
• 

  Beyond Finance

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

  

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:08/01/2025

  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.

  Beyond Finance has been helping me for a year now with debt consolidation and 3 weeks ago over 450 was taken out of my special account managed by them without my knowledge or permission I never received an invoice for what I'm being charged for I went through my beyond app there was no record to why it was deducted I had to call to get info and was told it was there fees which is a lie. 

  

  Business Response

  Date: 08/11/2025

  Mr. ****************************** you for the opportunity to resolve your concerns.
  
  
  Review has confirmed that the amount referenced was a program fee related to one of your approved resolution offers.  We confirmed that information about fees, including how and when they are earned and collected, was provided to you at the time of your enrollment.  Your program was serviced in accordance with all established expectations.
  
  
  Should you have any further questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:08/01/2025

  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 have been trying to cancel my program for over 3 weeks. Due to health reasons I have well have zero income for several years. I spoke with a bankruptcy attorney who has advised me I can and Im eligible to file bankruptcy. I am not married I own nothing of any value and I have zero income.The first three calls that I made every individual attempted to manipulate me to stay in the program telling me they could lower my payments to something I could afford. I have zero income. How do you take money out of that?It took three phone calls to get everything removed from my Beyond Finance program. After everything was removed from the program I received an email saying that I had an offer from a creditor that was not in my program that I needed to respond to. I chatted in to make sure that was not going to interfere with my program being closed. He basically told me that in order to close my program I should pay everything in my program. He would not directly answer my question, and once again attempted to manipulate me into staying with the program.I want my program closed. I want the money remaining in my account return to me ASAP.I also want to make it clear that I dont appreciate these people making me feel worse than I already do over the fact that because I got hurt and cannot work I have to file bankruptcy. I cannot afford to stay in the program. I have actually gone $5000 deeper in debt trying to stay in the program.I actually have screenshots from the last chat, showing where I asked a singular question of is my program still in the process of being closed and getting five paragraphs of all the reasons I cant close my account.  

  

  Business Response

  Date: 08/13/2025

  Ms. ****************************** you for the opportunity to address your concerns.
  
  
  Records reflect that you are no longer active in the program as requested.  Review of your interactions confirmed that agents made the effort to present you with options that would allow you to complete the active resolutions you had already approved in order to maintain the savings that had been negotiated.  We are hopeful this resolution is satisfactory.
  
  
  Should you have any additional questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:08/01/2025

  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.

  In February of 2025 I entered into an agreement with Beyond Finance to provide debt reduction services. I was set up with a Dedicated Account to which I paid money for settling my debts. My regular bi-weekly payments totaled $4948.57 until my cancellation of service yesterday. During the time I was enrolled in the program, two debts were negotiated on my behalf. I received notification of these on their smartphone app, which I agreed to, and payment began. In total $1085 was paid from the dedicated account to these two accounts. When paid, the debit from the dedicated account was labeled offer payments on the app. Additional money was taken from the account, also labeled offer payments. No documentation was provided regarding the accounting of my dedicated account. They told me a detailed accounting would be provided but provided none.When I cancelled my service with them yesterday the balance of my dedicated account was $430.25. That leaves $3433.32 unaccounted for. I believe the lack of transparency is concerning and is potentially fraudulent in nature. When I asked for a refund of my remaining balance, they told me that they would take fees from it, and return the rest if there was any, though I have received no billing documents of any kind since entering their debt program.I would like a full refund of funds not sent to the two debts negotiated as the lack of transparency, accounting, and documentation of funds provided to them in my dedicated account represents unethical business practices. The amount includes the $430.25 balance remaining in my dedicated account when I cancelled services yesterday, as well as the $3433.32 that is unaccounted for and labeled as Offer payments but was not used to pay down my negotiated debt.  

  

  Business Response

  Date: 08/13/2025

  Mr. *********,
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  At the time of your requested termination you had approved offers on two of your enrolled accounts.  Of which, both were in progress.  You approved your first offer within one month of your enrollment, exceeding expectations.
  
  
  You have access to your dedicated account through ********************************* ("CFT") at all times.  You can access a detailed account ledger and receive monthly statements from them directly.  All accounting information is readily available.
  
  
  The items addressed were program fees related to your approved offers.  At the time of your enrollment you were clearly educated about the program fee, inclusive of how and when it is earned and collected.  This can be referenced in paragraph 11. (a) Program Fees for your convenience.
  
  
  Should you have any other questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 08/19/2025

   
  Complaint: 23652661
  
  I am rejecting this response because:

  On August 15 I received an email from ******************************* stating that I could view my statements. I have attached the pertinent statements available to me as mentioned in the business response. Once again, these statements fail to properly account for the transactions taking place with my money in the special purpose account. The statements show payments to the accounts negotiated on my behalf, OneMain and *******. They show a $9.75 monthly service fee, which they didnt mention. Aside from that there are random monthly charges labeled settlement fee, which are not attributable to anything. This is unacceptable. A business cant just charge money at random with no explanation of the charges and claim to be performing a legitimate service. This provides no way to determine if an account is properly paying for the services suggested to be provided.

  I continue to require being refunded in full for failure to provide legitimate services.

  
  Sincerely,
  
  ***** *********

  

  Business Response

  Date: 08/29/2025

  Mr. *********,
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  Review has confirmed that all fees reflective on your statement, including your program fee and yoru CFT fees, were clearly disclosed in your enrollment agreement.  Should you require further assistance in reviewing your ledger, we invite you to reach out to us at your convenience and an account manager will be happy to assist you.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 09/02/2025

   
  Complaint: 23652661
  
  I am rejecting this response because:

  Beyond Finance has failed to provide a satisfactory and detailed accounting of my dedicated account and has essentially sidestepped the issue at hand. 
  

  I have included a copy of the agreement, where on page 5 of 36 you can find section 11(a) as mentioned in a previous response by the company, stating how they earn program fees, which are to be 18% of the debt balance determined at enrollment. Additionally, 11(b) states the annualized fee for enrolled debt should be approximately 3.93% of the enrolled debt.
  

  At no point do any of my statements describe paying program fees. Money was removed from my account for supposed settlement fees. These are attributed to no individual debt that was settled, and were not paid to lenders on settlements I agreed to. The settlement fees arent described in the program agreement. If the settlement fees are supposed to be the program fees, that needs to be explicitly stated.

  Lack of transparency in my dedicated account violates the Fair Credit Billing Act. If fees are being charged to pay for the settlement of account A they need to be attributed as such on the statement, and so on with other accounts. This did not occur and is a problem that is not to be dismissed. 
  

  The best way to resolve the lack of transparency in accounting and reporting is to refund my money and change your business practices for current and future customers. 

  
  Sincerely,
  
  ***** *********

• Initial Complaint

  Date:08/01/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I enrolled in a debt consolidation program with Beyond Finance July 19, 2024. I was promised that accounts are negotiated and resolved typically within ****** days. I can say that 2 of 3 accounts have been resolved, but here we are almost 365 days later, and I keep getting the run around on the third account. Im being told we need more time every single time I reach out to Beyond Finance. This has affected my credit score in ways that were never mentioned, and I feel trapped now because I am getting no help to resolve this credit card account. 

  

  Business Response

  Date: 08/11/2025

  Mr. ************************* you for the opportunity to resolve your concerns.
  
  
  Review confirmed that during your enrollment interaction you were properly informed that customers can expect to see their first resolution offer presented to them 3-6 months into their enrollment period.  This is not a guarantee and this is not indicative that all enrolled accounts will be in resolution.  The program is designed to care for all enrolled debt throughout the lifetime of your program term.  Rest assured we are working to secure a resolution offer on your remaining enrolled account.
  
  
  Should you have further questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 08/18/2025

   
  Complaint: 23617612
  
  I am rejecting this response because:

  It has been over 365 days since enrollment. I understand the resolution offer could take longer than the promised 3-6 months, but over 12 months is ridiculous and absolutely unacceptable. I recently tried to purchase new furniture and could not even get a credit acceptance of more than $1,500 because of how bad this has ruined my credit. I used to have a 762 and now have a 594. This account needs to be resolved so I can work toward rebuilding my credit. 
  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 09/01/2025

  Mr. *******,
  
  
  Thank you for the continued opportunity to address your concerns.
  
  
  The program is designed to care for all enrolled debt throughout the lifetime of your program term. It is necessary that there be sufficient accumulated funds in order to move forward with securing arrangements.  Due to the balance of your remaining enrolled account, we must ensure proper funds are available.  We have scheduled an account manager to reach out and provide further detail.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 09/04/2025

   
  Complaint: 23617612
  
  I am rejecting this response because:

  I have not heard from an Account Manager. This ********************** account has been open for almost 14 months, easy math on that is 8 months past the 6 months promised. I have told several supervisors multiple times that my *********** account will not negotiate because I have a vehicle loan through them, which I have continued to pay on time each month. Beyond Finance has ruined my credit score and has me trapped because they will not close the *********** account for their own selfish financial gains. I am tired of getting the same robot response that Beyond Finance is working on it.

  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:07/31/2025

  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.

  In 2023 I signed up with Beyond Finance to help me consolidate two of my credit cards that I wasn't able to make payments on because of a medical hardship. I had three credit cards total, ***** and two accounts at ********. I was attempting to do the right thing in paying back my debt once I was able to go back to work by negotiating with the banks directly, which I was able to do with the first ******** account, however, ***** and the second ******** account offer was more than I could afford. Over the last two years I made several attempts to follow up on my account, explaining repeatedly which ******** account I needed help with. At the time I signed up, the representative did not see the second ******** account on my credit report but told me "not to worry, they will figure it out". I sent them the account statements and letters I received stating that ******** sold my account to **************. I followed up with numerous phone calls, only to be told that they received the documents, that they were working on it, and the "process takes time". Fast forward to May of 2025, I received solicitation letters regarding a lawsuit against me by **************. I immediately call Beyond Finance to alert them and upload all the documents, and since then have been calling on a weekly/daily basis to get some resolution. As my August 1st deadline approached to respond to the summons, I still had not received any answers or phone calls from the "supervisors" who were working on my case. I hired an attorney, which cost me $1,500, to handle the lawsuit. As of today, July 31, 2025, no one from Beyond Finance has reached out to me. The reason I went with company was to avoid being sued, but it happened anyway. Im requesting them to reimburse me the $1,500 for the attorney. I'm deeply disappointed and will never recommend this company, I regret ever signing up with them.

  

  Business Response

  Date: 08/13/2025

  Ms. *****, 
  
  
  Thank you for the opportunity to address your concerns.
  
  
  Review has confirmed that you have connected with an account manager who is actively assisting you with this matter.  We are pleased that you have been able to connect with an agent who is driving this concern to a satisfactory resolution for you.  We appreciate your patience as we ensure this matter is completely and correctly addressed.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:07/31/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am submitting this complaint to express my dissatisfaction with Beyond Finance regarding the handling of my final account, which led me to cancel my enrollment in the program. Prior accounts I had with ********************** were closed without issue, so I expected the same level of professionalism and clear communication for this last account. Unfortunately, my experience was quite the opposite.I was instructed to send additional funds toward a settlement agreement and was told that submitting payment would indicate my agreement. However, only after I had sent the funds was, I informed that notarized paperwork was also required. This requirement was never communicated upfront. Additionally, I was given only two days to notarize and return these documents without any clear instructions on how to complete the process. This rushed timeline and lack of guidance felt unfair and unprofessional.Furthermore, despite clearly stating my preference for email communication multiple times, due to my full-time work schedule and caring for young children, I received numerous phone calls and templated emails. I was told phone calls were required, which is not feasible for me given my responsibilities. I am available throughout the workday via email and would have preferred all communication through that channel, but my preference was repeatedly ignored, adding to my frustration.Due to these ongoing issues with communication, transparency, and poor handling of my case, I lost confidence in the program and chose to cancel my enrollment. I believe Beyond Finance needs to improve its client communication practices, offer clearer instructions, and respect client communication preferences to avoid similar problems in the future.I am sharing this feedback in hopes it encourages improvements in service quality for current and future clients.  

  

  Business Response

  Date: 08/13/2025

  Ms. *********************** you for the opportunity to address your concerns.
  
  
  Upon being presented with the offer for the account referenced, you were advised that in order to approve the offer you would need to add additional funds.  At no time was it instructed that this would finalize the offer.  Beyond Finance does not set the standard for the paperwork requested, this was established by your creditor.  Had Beyond Finance been aware of this requirement prior to obtaining your approval we would have disclosed this information at that time.
  
  
  Given the sensitive and detailed nature of the information being discussed, we have found communication by phone to be the most successful means.  We have generous operating hours and would have been happy to schedule a call at a time that was convenient for you.
  
  
  Should you have any remaining questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 08/14/2025

   
  Complaint: 23680479
  
  I am rejecting this response because my account was mishandled from start to finish. Communication was poor, and despite my repeated requests to be contacted by email, the emails I received were vague and missing key details. I work in the medical field, handle sensitive information securely, and have a secure desktop there was no reason my request couldnt be honored.
  They never explained the difference between approval and finalization of the offer, then made an unreasonable last-minute demand to have paperwork notarized and returned within two days. Requesting additional funds without providing all requirements and conditions upfront is unacceptable.
  Beyond Finance needs to fix their processes to ensure client communication preferences are honored, all details are disclosed before requesting funds, and last-minute unreasonable demands are avoided.
  
  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 08/23/2025

  Ms. *****,
  
  
  Thank you for the continued opportunity to resolve your concerns.  Review has confirmed that information was consistently provided to you in an accurate and timely manner.  As previously stated, Beyond Finance did not initiate the request and issue the timeline, that was your creditor.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 08/26/2025

  Complaint: 23680479
  I am rejecting this response for the following reasons:
  First, I find it troubling that I was required to deposit additional funds before being informed of the Stipulation/Confession of Judgment. Had I known that signing a notarized legal document would be part of this process, I may have made a different financial decision. This lack of transparency is unacceptable.
  Second, I received the initial email on Wednesday, June 4, with a deadline of Friday, June 6, to notarize, upload, and mail the document. This was an unreasonably short timeframe, especially given that I work full-time and have young children. Arranging a notary appointment, taking time off work if necessary, and mailing the documents all require more time. I asked for an extension, but it was never confirmed (see attached email).
  Third, your response states that information was provided accurately and in a timely manner. This is false. My preferred method of communication is email, yet I was repeatedly called and asked to return calls instead. Had my preferred method been respected, the information could have been provided more efficiently and in line with my request.
  Your response does not address my concerns, and I am not satisfied with your business practices or processes. I strongly believe your organization needs to improve its customer service.
  Sincerely,
  ****** *****

• Initial Complaint

  Date:07/29/2025

  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 went with beyond finance to help negotiate my debt and pay off faster. It was all going fine. Then they said I could get this loan and get it done sooner. (Stupid me didnt look into that closely). About a year later I find out one of the credit cards was never paid but the amount it was settled for was added into the loan I took out so technically I paid the settled amount but it just never got paid to the credit card. I have been back and forth with them for months now. The last time I spoke with them was back in May and they said it had to be reopened and settled again then paid. Never heard back from them until I get a letter in the mail from a creditor. Now its in collections. They never called me to tell me I had to call and accept the settlement. Im not paying this again.

  

  Business Response

  Date: 08/13/2025

  Ms. *********************** you for the opportunity to resolve your concerns.
  
  
  Our records indicate that you had the opportunity to address this concern with an account manager who provided you the necessary next steps as instructed by your creditor.  
  
  
  Should you have any further questions, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 08/13/2025

   
  Complaint: 23673372
  
  I am rejecting this response because: it does not resolve the situation. It is not my responsibility to take care of this. I paid beyond finance to do this. I dont have another $400 something dollars to pay and now it went to collections. I save no money going with this company and am not happy with what is going on. Beyond finance did not supply the money I paid to them to *********** and thats why it was returned. It is their job to make sure they get it and not mine. Now they want me to contact *********** and do their job to accept the settlement and pay them. I do not have the money to do so. I keep my bad review for them. Not only that I have been talking with them for over a year and kept getting different information and answers. No one has ever given me the same response. But of coarse they have no record of anything else but what they want to have. I will not be happy unless they do there job and pay the bill they were paid to do. 
  
  Sincerely,
  
  *** *****

  

  Business Response

  Date: 08/14/2025

  Ms. *****, 

  Beyond Finance no longer has authority to address your account with your creditor.  Additionally, it is your creditors request that you contact them, not something Beyond is requesting.  We are eager to work with you to resolve this matter, but must follow the requests of your creditor.

  Sincerely,

  Beyond Finance, LLC

  Customer Answer

  Date: 08/14/2025

   
  Complaint: 23673372
  
  I am rejecting this response because:  I hear what you are saying because thats all you say. I can contact them but its your company that is supposed to pay them since thats what I payed you to do. The payment that was supposed to go to them was returned according to them not to me but to beyond finance. So that means its your job to send it back again. I took the loan your company offered to payed all of the stuff at once. You did not pay that one but the amount was included on the loan so that means I already paid for it. If I pay again that means I paid double on it and Im not doing it. I paid your company to take care of all this and now I regret it. Unless you plan on paying the amount that was settled on then I have nothing else to hear from you. But my complaints and bad reviews will keep coming. I will find every platform to review on. What was the point of PAYING YOUR COMPANY to take care of all those of in the end I was going to have to do it myself and not only that pay double on one of the credit cards. Make that make sense. I will not except anything but your company paying the credit card that I already paid to you to pay. 
  
  Sincerely,
  
  *** *****

• Initial Complaint

  Date:07/28/2025

  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 am writing to file a formal complaint against Beyond Finance regarding what I believe to be a deliberate and misleading representation of their service fees, which has resulted in financial detriment. Specifically, I was gravely misled by the language used by a Beyond Finance representative during our discussions, particularly concerning the 25% fee applied to each account.During my initial interactions, the Beyond Finance employee, repeatedly emphasized the benefits of their program in terms of savings and debt reduction. The 25% fee was consistently framed not as a direct charge on each account, but rather as a contingent success fee or a portion of the savings achieved. Phrases like "we only get paid when you save" and "our fee is a percentage of what we negotiate down" were frequently used. This artful wordplay subtly, yet effectively, steered my understanding away from the reality of a 25% charge applied to the original balance or total debt enrolled for each individual account.For instance, when discussing a hypothetical $10,000 debt, the representative might have stated, "Our fee is 25% of the amount we save you." While technically true in a very narrow sense (if they save you $4,000 and charge $1,000, that's 25% of the saving), the overall impression conveyed was that the fee would be a modest portion of a larger, guaranteed reduction, rather than a substantial upfront charge on the original debt. The crucial distinction between "25% of the savings" and "25% of each account's enrolled balance upon successful resolution" and would like a full refund of the *** charged!

  

  Business Response

  Date: 08/13/2025

  Mr. *****,
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  At the time of your requested termination you had approved offers on three of your enrolled accounts.  Of which, one was completed and two were in progress.  You approved your first resolution one month into your enrollment, exceeding expectations.
  
  
  Review of your enrollment interactions confirmed that you were clearly and transparently educated about the program fee, inclusive of how and when it is earned and collected.  This information is also provided to you in writing in paragraph 11. (a) Program Fees of your executed enrollment agreement. All fees earned and collected throughout the duration of your program were done so in accordance with those expectations and no up front fees were earned or collected.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 08/13/2025

   
  Complaint: 23665038
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** *****

  Customer Answer

  Date: 08/14/2025

  To whom it may concern:
  I am rejecting Beyond Finance's response because it is misleading and misrepresents the situation.
  Their response presents the fees in a more acceptable manner than they were originally, and it fails to address the lack of communication regarding my refund. I was explicitly told that a supervisor would contact me to discuss being refunded before the cancellation was finalized, but this never happened.
  The company's response does not provide a satisfactory resolution to my complaint.

  

  Business Response

  Date: 09/07/2025

  Mr. *********************** you for the opportunity to resolve your concerns.
  
  
  At the time of your requested termination you had approved offers on three of your accounts.  Of which, one was completed and the other two were in progress.  Your first offer was approved one month into your enrollment, exceeding expectations.  Your program was being successfully serviced in accordance with all expectations.
  
  
  Review confirmed that you were properly and transparently educated about the program fee both verbally and in writing.  This can be referenced in your enrollment agreement under 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 offer on an enrolled debt with a creditor, (ii) the Client accepts and agrees to the new terms, and (iii) the first payment of the new agreed upon terms is made to the creditor."
  
  
  All fees were earned and collected in alignment with these expectations.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:07/28/2025

  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 have been enrolled in beyond finance debt resolution program for two years and in those two years they have only settled two accounts. I dont feel that they are working on my account diligently and would like a call from a manger or supervisor identifying which creditors they have contact to attempt debt resolution.

  

  Business Response

  Date: 08/11/2025

  Ms. *********, 
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  Rest assured your account is being serviced in accordance with all established expectations and progressing successfully.
  
  
  We have scheduled to have an account manager reach out to address your concerns.
  
  
  Should you require further assistance, please do not hesitate to contact us.
  
  
  Sincerely,
  Beyond Finance, LLC

• Initial Complaint

  Date:07/27/2025

  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.

  I spoke to an agent several months ago when I received mail from one of my creditors that looked like a lawsuit. The agent assured me it wasn't a lawsuit yet but the creditor was threatening to sue and I should just trust Beyond to negotiate with the creditor and continue the program. I just spoke with a different agent today who told me they have a settlement offer from the creditor who is sueing me. Before, they made it sound like there was nothing for me to do with the paperwork. I could have addressed the situation months ago by responding to the claim directly. Now, a judge has already decided that the debt is valid and they're seeking damages of over $5000. The agent today told me that the resolution offer this creditor wants is a lump sum payment of $5500. I'm disabled and got laid off in April. I have no income currently. Who, in 2025 has five grand just laying around, let alone a disabled single mother?? There is no way for me to accept the offer. When I informed the agent this, she warned me that the creditor might seek to garnish my bank account or take some other kind of action. When I told the agent I'm unemployed until I find out if I need a surgery soon, she kept asking me if I wanted to opt out of the program and I kept repeating, "No. I don't want to quit altogether. I just don't have a way to make bi-weekly deposits into this program." We both repeated saying these things 3 or 4 times. This company, at the beginning of a resolution program, instructs people to stop paying their debts so you can prove to your creditors you have a financial hardship, but they don't tell you the creditors have a right to sue. My credit score is in the toilet now and I can't even qualify for housing. I can't stop now. I need these people to finish what they started.

  

  Business Response

  Date: 08/11/2025

  Ms. *****,
  
  
  Thank you for the opportunity to resolve your concerns.
  
  
  Currently you are active in the program and have authorized resolution offers on three of your enrolled accounts.  Of which, two have been completed and one is in progress.  Additionally, we reflect that a new offer has been presented to you for your review.  You approved your first offer two months into your enrollment, exceeding expectations.  You are progressing successfully through the program.
  
  
  Upon review, we are unable to locate the interaction with an account manager where you were informed that the creditor was only threatening to sue.  Upon notification, you were provided with the accurate information to submit the legal documentation you were provided.  You have been presented with conditional offers in an effort to secure an arrangement on this debt and resolve the matter.  We understand that customers are not always in the position to add additional funds and will continue to work towards a resolution.
  
  
  Should we be able to provide further assistance, please do not hesitate to reach out.
  
  
  Sincerely,
  Beyond Finance, LLC

  Customer Answer

  Date: 08/15/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *****