Name: Beyond Finance
Rating: 4.9

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Loura Layton West Palm Beach, FL

I was given the wrong information regarding the settlement process. I was told the two loans I wanted to settle wouldn’t effect my credit. I have a great credit score and explained I wouldn’t be interested if the settlement would effect my credit score. The agent reassured me that the creditors would be contacted and the creditors wouldn’t charge any late fees or interest fees whiled the process was being negotiated. I signed All paperwork regarding the settlement to be told after the fact that no negotiation would be done until accounts were 120 to 190 days delinquent. I then explained to the agent who was setting up the financial statement that I was misinformed and to cancel the agreement.

3 years ago

Reply from Beyond Finance

Thank you for the feedback, Loura. We always aim for transparency with regard to our process, and we're sorry that you feel the credit implications of the program were not explained clearly. To be clear, participating in our debt resolution program will likely adversely impact your credit for a time. While you may temporarily take one step back in terms of your creditworthiness, you’ll take five steps forward with resolving debt. Once your debt is finally resolved, the effect on your credit can actually be very positive. Practicing positive credit behavior can help you build your creditworthiness back up over time.

We are sorry to hear that our program was not the right fit for you. We’re sad to see you go, but wish you the best of luck in moving beyond debt. We are currently reviewing your calls with our team to find out what happened here and improve our process in the future. If you have any additional questions or concerns, or if you simply want to discuss your experience further, do not hesitate to reach out to us with any other questions or concerns you may have (phone: 800-282-7186 / email: clientsuccess@beyondfinance.com).

- Client Success Team

Jul. 20th, 2022

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Christi Fort Wayne, IN

From the first phone call to the last they made me feel at ease. They explained everything and just made the first step for me a lot easier. Looking forward to becoming debt free!

3 years ago

Reply from Beyond Finance

Christi —

Thanks for the feedback! We want all of our clients to have a great experience with our program. We’re happy that our Client Success team was able to answer all of your questions about our process and prepare you to begin your debt resolution journey.

As always, you’re welcome to contact us any time at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Jul. 20th, 2022

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April Whitehead McMinnville, TN

I’m still thankful for the assistance given for settling my debt. However, my accounts have all been paid and I still have over $2000 in my account two months after my final payment. My account is still open with monthly fees still coming out. Ive been checking in daily and given multiple timelines and stories. I’m currently paying Above for the graduation loan that was to close this account. Beyond is still holding the overage that I am making payments on. All I’ve been given is double talk with zero answers. I was told it would be resolved within 60 days, then on Monday I was told it was escalated. On Wednesday I was told 3-5 days from Monday. On Thursday, I was told 7-10 days from some unknown date that the representative wouldn’t disclose. Today I was told to call and speak to a manager. No manager came on the phone. I was told that an email would be sent to a manager and would be responded to within 72 hours! Ive had to contact the BBB as I feel at this point I am getting played for more money.

3 years ago

Reply from Beyond Finance

We appreciate your feedback, April. We are glad that you were able to make the transition to Above Lending, but we're sorry that you experienced payment issues with your Dedicated Account.

After a thorough review of your program, we have issued you a refund. For any other questions or concerns regarding your program, please reach out to us at 800-282-7186 or clientsuccess@beyondfinance.com.

- Client Success Team

Jul. 8th, 2022

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Della Explains Albuquerque, NM

The person that I signed up with (Aaron G.) was super nice, helpful and informative. He really helped me put together a solid plan. He also made sure to really explain everything.

3 years ago

Reply from Beyond Finance

Thanks for your wonderful feedback, Della! We want all of our clients to feel comfortable on their debt relief journeys. We’re glad to hear that our representative, Aaron, was able to get you set up with a debt resolution program tailored to your needs.

During your program, keep track of your progress by viewing your program online [https://www.beyondfinance.com/] or by contacting us with questions at clientsuccess@beyondfinance.com or 800-282-7186. We’re here to help.

- Client Success Team at Beyond Finance

Jun. 14th, 2022

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Brenda Bramlett Etta, MS

I was in need of help, I contacted them and then I didn’t have worry about a thing. They jumped right in started their Process I felt very comfortable that I would be taken care of Thanks

3 years ago

Reply from Beyond Finance

Hey Brenda,

Thanks for the great feedback, and congratulations on moving beyond debt! We are glad to hear that our program is working for you.

During your program, keep track of your progress by viewing your program online [https://www.beyondfinance.com/] or by contacting us with questions at clientsuccess@beyondfinance.com or 800-282-7186. Thanks for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Jun. 2nd, 2022

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Cheyenne Reno, NV

I've been working with them for about 3 years now. I was hoping they'd settle my debt for a atleast a bit less then my balance but most of my settlements have been way more than the actual balance. At that point, I feel like I should have just paid the creditors directly now that I have the ability to do so. Theyre pleasant to work with but theyre costing me more money.

3 years ago

Reply from Beyond Finance

Hi Cheyenne,

We appreciate your feedback and we are sorry to hear that your experience with your program has not lived up to your expectations. Our top priority is to help our clients resolve their debt, saving them as much money and time as possible. Unfortunately, not all creditors approach resolutions the same way and savings cannot always be guaranteed.
We'd like to note that our program is generally much less expensive than remaining in the cycle of making minimum payments to your creditors, which comes with its own interest and fees. We'd love to discuss your experience further.

Please reach out to our team to discuss your experience further and get next steps for your program at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

May. 6th, 2022

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Keith Pool Omaha, NE

Actually just called to get information about the program they were very respectful and went in detail by detail and lowered my payment so much that I signed up the same day best choice I ever made

3 years ago

Reply from Beyond Finance

Welcome to the program, Keith! We are excited to help you take your first steps towards a brighter financial future.

We’re committed to keeping you informed as progress is made in your debt resolution journey. You can always track your debt resolution progress by viewing your program online [http://portal.beyondfinance.com] or contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

May. 6th, 2022

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Kristen Tilger Canonsburg, PA

I just started with beyond finance so far they have been so nice and informative and they really spelled out what their program is and we are looking forward to see what the future hold for us.

3 years ago

Reply from Beyond Finance

Welcome to the program, Kristen! We are excited to help you take your first steps towards a brighter financial future.

We’re committed to keeping you informed as progress is made in your debt resolution journey: you can always track your debt resolution progress by viewing your program online [http://portal.beyondfinance.com] or contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

May. 6th, 2022

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swtcanchaser Conway, AR

While Beyond Finance was easy to work with initially my husband was served court documents where a creditor filed in court. We paid extra for legal and they never responded to the court filing , and we never received a court date so the creditor received a default judgment. After two years of on time payments we qualified for a consolidated loan to pay everything off, which we did leaving $2200 in our account with Beyond Finance. It has now been almost 2 months and they will not give me my remaining funds, even though everything has been settled. I have been calling 1-3 times a week since February 23rd and they keep giving me excuses as to why their graduation department will not graduate me from the program.

4 years ago

Reply from Beyond Finance

Hi there,

We greatly appreciate you sharing your experience. We take your feedback very seriously and are sorry that you are having trouble graduating from the program and that there have been multiple points of frustration during your program participation.

We would like to better understand your experience and resolve this. Please reach out to us at 800-282-7186 or email clientsuccess@beyondfinance.com with your name, email address and phone number so we can resolve this as soon as possible.

- Client Success Team at Beyond Finance

Apr. 13th, 2022

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Jordan Hyde Manchester-by-the-Sea, MA

So far I'm happy!! Hoping this is going to be the right choice . Getting myself out of debt with the help from the staff here is what I need. Will wright another review once things get rolling !!

4 years ago

Reply from Beyond Finance

Welcome to the program, Jordan!

Thanks for taking the time to review us so early in your program! We’re excited to help you take your first steps towards a brighter financial future.

Our team is committed to keeping you informed as progress is made in your debt resolution journey. You can always track your debt resolution progress by viewing your program online or contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

Thanks again,

Client Success Team at Beyond Finance

Feb. 10th, 2022

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Jim Osei Jr Falmouth, KY

I am happy they will help me with debt relief I like the A+ rating on BBB the reviews are pretty good and they have a few extra things to help you with debt relief that is sweet. I am happy to be with Beyond Finance.

4 years ago

Reply from Beyond Finance

Hey Jim,

Thanks for the great review. We are very glad that you chose to enroll in the program and we are looking forward to seeing you move beyond debt.

In the meantime, we encourage you to keep track of your progress by viewing your program online or by contacting us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

Thanks,

Client Success Team at Beyond Finance

Jan. 21st, 2022

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Frank T Santa Paula, CA

I signed up with Beyond Finance due to their good rating with the Better Business Bureau. Their fees are 25% of the original debt, so if they resolve an account for 50% of the original debt, their fees reduce the savings by half. That is, if you have an account balance of $10,000 and they settle it for $5,000 they claim they saved you $5,000. However, you have to pay them 25% of the original debt. Twenty-five % of $10,000 is $2,500. You wind up paying $7,500 as opposed to the $5,000. If you are paying a 20% interest rate, the savings will be increased by the reduction in interest payments. In my situation, I found the only real benefit was that I no longer had to deal with threats and harassment from the less ethical credit card companies.

4 years ago

Reply from Beyond Finance

Hi Frank,

Core to our program is making sure that all of our clients fully understand how our debt relief program works—we regret that we missed that mark with you.

It's worth noting that we walk clients through their program fees at enrollment and our program fees are factored into client deposits. We'd also like to note that one of the benefits of our program is that even with those fees, working with us can be much less expensive than continuing to pay your creditors. We are ultimately glad to hear that our program is saving you the trouble of dealing with your creditors and saving you money, too.

If you have any additional questions about your program or fees, give us a call at 800-282-7186 or email clientsuccess@beyondfinance.com.

Client Success Team at Beyond Finance

Apr. 20th, 2022

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Shelley Occhiuto

Otto was great, friendly and professional

2 months ago

Reply from Beyond Finance

Hi Shelley,
We're happy to hear you had such a positive experience with Otto! Our team at Beyond Finance is dedicated to providing friendly and professional support to our clients.
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Karen Kleckner

Quick and easily explained. Great option for debt reduction

2 months ago

Reply from Beyond Finance

Hi Karen,
We're delighted to hear that you found your experience with us informative and straightforward. Helping our clients explore personalized options is a key part of our mission at Beyond Finance.
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Grace Buzzetta

The compassionate staff that I worked with

2 months ago

Reply from Beyond Finance

Hi Grace,
We’re grateful to hear about your positive experience with our compassionate team members. Thank you for recognizing their dedication to supporting you!
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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ronald rawleigh

Very polite and friendly to work with, very helpful

2 months ago

Reply from Beyond Finance

Hi Ronald,
We’re grateful for your kind words! It’s wonderful to know that our team at Beyond Finance provided the friendly and helpful experience we strive for. Thank you for sharing!
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Centerfuge

Seamlessly gggg%%gggggggggg7877777788888888

2 months ago

Reply from Beyond Finance

Hi there,
Thank you for your feedback! We're pleased to hear about your positive experience with us. Our team at Beyond Finance is dedicated to providing exceptional support on your journey to financial freedom.
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Gay North

Patient Max taught me so much. I am forever grateful

2 months ago

Reply from Beyond Finance

Hi Gay,
We're grateful to hear that Max made such a positive impact on your experience! Our team is dedicated to providing valuable support, and it's wonderful to know you found it helpful.
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Susan Shepherd

Ease of process and very informative customer service

2 months ago

Reply from Beyond Finance

Hi Susan,
Thank you for your kind words! We're grateful to hear that you found the process smooth and our team informative. Your satisfaction is our priority!
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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timi godin

Very professional and showed empathy to my situation!

2 months ago

Reply from Beyond Finance

Hi Timi,
Thank you for your wonderful feedback! We're pleased to hear that our team demonstrated professionalism and empathy in your experience with us at Beyond Finance.
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Lynda Lopez

Friendly and knowledgeable representative.

2 months ago

Reply from Beyond Finance

Hi Lynda,
Thank you for your kind words! We're pleased to hear that our representative was able to assist you effectively. Your satisfaction is our top priority at Beyond Finance.
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Phil Bolton

I needed this badly. I cannot wait to finish the program.

2 months ago

Reply from Beyond Finance

Hi Phil,
We’re excited to hear that you’re finding value in your experience with us! Our team at Beyond Finance is dedicated to supporting you on your journey to financial freedom.
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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JEANNETTE

VERY KNOWLEDGEABLE AND MADE ME FEEL CONFORTABLE

2 months ago

Reply from Beyond Finance

Hi Jeannette,
We’re delighted to hear that you found our team knowledgeable and that you felt at ease during your experience with us. Your comfort is a priority for us at Beyond Finance.
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Alex Oliva

Ease of use. Clear instructions. Friendly staff

2 months ago

Reply from Beyond Finance

Hi Alex,
Thank you for your kind words! We’re pleased to hear that you found your experience with our team easy and supportive. Your feedback motivates us to keep delivering excellent service.
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Sandra Hoglund

It was a good experience very easy to understand and explained to me everything

2 months ago

Reply from Beyond Finance

Hi Sandra,
We're pleased to hear that your experience with us was clear and easy to understand. Our team is dedicated to ensuring that every client feels informed throughout their journey.
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Ryan Nelson

So far I'm feeling free for the first time in a long time

2 months ago

Reply from Beyond Finance

Hi Ryan,
We're delighted to hear that you're experiencing a sense of freedom with us! It's truly rewarding to know our efforts are making a positive impact on your journey.
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Brian Bergeron

The clear communication regarding the entire process.

2 months ago

Reply from Beyond Finance

Hi Brian,
Thank you for your kind words! We're pleased to know that you appreciated the clear communication throughout your experience with us at Beyond Finance. Your satisfaction is our priority!
— The Client Success Team at Beyond Finance

Feb. 19th, 2026

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Leslie Miller

Great service and very helpful staff. Helped a lot.

2 months ago

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sherri geswein

Sam gave me amazing help. I can sleep again at night now.

2 months ago

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Tega Moore

Everything, great service. I would recommend

2 months ago

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Suzanne Kearns

Anthony was very patient, courteous and knoweldgable.

2 months ago

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Jason Broadley

Very happy with their service. Thank you

2 months ago

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Patsy Bryant

New to the process but very encouraged and hopeful.

2 months ago

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Annette Kasselman

I liked the compassion and understanding.

2 months ago

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scott

Simple Easy Process to get you're Debt Resolved!!!

2 months ago

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Andrew and Molly Brown-Dunn

Very patient, efficient, and empathetic.

2 months ago

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Jon Kosciuszko

Very easy to work with very polite representatives

2 months ago

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Troy Randall

Simple to follow. Self navigate. Recommend.

2 months ago

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kaewynrpicard

I felt seen and respected during the process.

2 months ago

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Mamie Garrett

First time so I am hoping I rated right.

2 months ago

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Dianne Lewis

They have been completely understanding & helpful.

2 months ago

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Mary

took the time to explain the program and process

2 months ago

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Connie Divin

The representative was helpful and understanding without sounding judgmental.

3 months ago

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Joel CAMPBELL

Tyler M. was beyond professional. He deserves several gold stars.

3 months ago

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Carl

So far so good. I am trying to get use to navigate this account.

3 months ago

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David Strom

The throughness with which everything was explained, is reassuring.

3 months ago

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Calistro Gonzales

Very well informed explanation real simple where I could understand

3 months ago

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Max Tharpe

The representative was very polite and it was very easy to start an account with them !

4 months ago

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Jack Thomason

Staff that has great knowledge of the needs and recourses for the people they are helping.

4 months ago

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Sue Tiner

I’m just beginning my journey with beyond but so far they’ve taken excellent care of me

4 months ago