Beyond Finance

My debt didn’t even get settle for that much less than what I originally owe. $27k settle for $22k. Beyond settled my PayPal account but it still shows up on my credit report after 5 months as in collection even after disputing it. Regardless of almost completing my program, my credit score continues to drop even though debts are getting settled. This is mainly due to the collection that I had already settle through beyond and finished paying off, however, since they won’t do anything about it, my credit drops each time I look at it. Already talk to beyond about it and nothing getting done. They claim they can settle the account for half the amount than you owe but literally it doesn’t really do anything for you due to the fees they charge. Just settle your loan yourself and call to close everything down. Wish I would had read reviews before joining up with them.

Don't DO IT! They will wreck your credit and steal your money. And you will not get anything in return. Yes you will, you'll get a headache and a lot more aggravation than you bargained for. If you value your credit score, mine was over 700 when I began with them and now it's only barely fare 640 I do believe at this moment. I went down to 550 when I started. They will tell you not to talk to your creditors while they sit back and let your accounts grow with late charges so by the time a negotiation begins your account may have doubled the original amount plus you'll have delinquencies on you record. One of my accounts did just that and not only did it do that, but it went to collections while they were sitting on their bottoms. I was put in touch with one of the attorney's that work for them and she was useless as I received two court summons on this account. Had to appear in court last month, but the attorney did take care of that, but I went to court anyway to make sure. They will tell you one thing, and do quite another. They take out absorbent fees prior to even paying your creditor. They say it's 25% but it's way above that. I've paid $5016.00 to date and $2910.00 have gone to Beyond Finance Fees and only $2806.00 to my creditors. So that's even more than 50%. I've called them 5 times today and each time I get different information and an apology which doesn't help me much. Now I'm locked out of my online account and and can't even see what they are doing. They have no transparency and obviously no trouble telling you lies about what is actually going on. Told me they reached a settlement agreement with my final creditor, a year and a half later than when I began which was in March/April of 2020. Asked me if I could pay $750 payment and make my regular payment when it was due to settle this last account. The got the $750 but it did not go to the creditor, as the creditor was paid when my regular payment was made in the amount of $105.00. I was told there would be no fee associated with the last settlement but they took $910.00 for their fee. You do the math!

If I could write a review without having to give a star i would do without the hesitation. That in my opinion reviews need to be rated as 0 to 5 and Beyond Financie would definitely deserves a big ZERO. They are basically doing what you practically do on your own...Negotiating with your creditors Because of financial difficulties you are unable to pay and your asking for a settlement price; and to suspend your card. Well I'm being sued by a collection agency as a result of Beyond Financie; for reasons "beyond" me (pun intended) was unable to reah an agreement with Discover. So they reached out to me by referring me to a Lender to borrow more money to resolve what Beyond Financie failed to do. Do it your self speak to your creditors tell them your situation and suspend your card. And In your credit report Beyond Finance tells you it won't show up as a bankruptcy but it does at least in mine it did.

I started using this company a year ago. Turned out costing me way more money. I was making bi-weekly payments. Which was more then I was paying towards the credit card companies. Over $115 of each payment went to their fees and I found out only $5 was going to pay the actual credit card company. Then last month a got a summons to go to court. They had not negotiated with Discover, turned out they never even contacted to tell them I was in debt consolidation. I called beyond, they said they couldn't help me. I called a local lawyer where I lived, and he told me that it was a scam and to tell beyond I wanted my money back. I was also advised to close my bank account so beyond could not keep taking my money. So now I wait to go to court next week to explain to the judge why I have no money to pay discover, and I only live on a disability check....

They promised to settle my debts with 3 banks but the settlement amount they "negotiated" would have been offered to me by the bank and saved me their whooping 23% fees payable on principal balance not the settled balance. They take their fees once I approve the settlement in advance. They failed to make a payment to one of my credit cards although the settlement was reached because the account was few dollars short and they never called me warned me. This bank withdrew the offer to settle and the situation stayed hush-hush in my account for 9 months until I decided to call them. Trying to reach any of their "courteous" operators or agents is easy, getting answers is the challenge. FInally they would not accept the responsibility for their failure to settle my card, didn't offer to refund me the amounts they paid partially to the bank that I lost or even to refund me the fees they collected on the settlement of this card which they failed to deliver. Add to it that they avoid communications by emails or mail and claim that all our conversations are on a recordede line, but they never shared with me the log of calls they claimed they made to me. I am taking them to court for sure.

I think I made a mistake hiring this company Beyond Finance I am very unsatisfied and don't feel that we had the same understanding of how this was to go on if you're negotiating my debt why is it that I have paid $2,900 in 11 months and have had one account settled wow my credit card utilization has went from 98% to 125% I keep getting threatening letters from attorneys and collectors and then I'm told they can't negotiate my other accounts until there's more money in my account this wasn't what I had in mind from what I was told I think I made a big mistake going with this company and at this point I can't recommend them to anyone else this is just the half of it but others have already said the same thing I'm thinking.

Such a easy process 100% satisfied with the outcome

Rep was very cordial and explained program thoroughly. Looking forward to being debt free.

Great services . I feel strongly that my credit debt will be resolved quickly and professionally. Thank you Beyond Finance.

Zachary H was awesome! He explained everything so clearly! He was so patient and answered all my questions! He’s the best!!

New customer the staff is reassuring. So far it’s been very informative. I feel like there is some one I can reach out and talk to at any time in the process

It’s just the beginning of my journey in consolidating my debt but so far everyone I have worked with has been very helpful and informative!

My agent was very nice and understanding.. She took all my information and gave me a reasonable amount that would fit my budget… thank you

My experience with Javier was great. What a kind and knowledgeable person he is. He spent time to explain things and care about me. Thank you.

They were very informative and helped answer any question we may have had. Also were very understanding of our situation and genualy wanted to help.

I am over a year in to the program. I have paid them over 5k and only close to 2k has been paid to my creditors. Beyond is calling me asking for more money each month to settle debts. I know there is no guarantees but it appears they are only worried about getting their money and not settling debts. They only reached out to me to ask for more money or try to get me to apply to a different program.

They settle all my accounts but two. Their reason have changed as to why they can’t settle the last two. I have to call for information about the last two accounts. Because Beyond can’t get anywhere with the CC company. Sure collected all your fees along the way though. Sure they will reply with some lies about what happened. Like I said before run from this company. Sure most of the 5 star reviews were lies anyway. They rather close the account up and take there money and run then help me.

I really liked them at first. But I was told that if I made all payments on time, which I did, and paid extra when I could I would be offered a loan in 6 months time. Well it's almost a year. My credit score is worse than ever, and I've asked twice about the loan and been blown off by Beyond telling me its not them but the loan company.

Everyone was so nice and helpful we finally feel like we can make headway on debt and saved us 220 a month on payments! Thank you!

Everything were More Than I Expected Best Services Ever Very Helpful They Answer All My questions & Explained Everything I Need To Know With Patience

Be careful and read the fine print, this company is still drawing money out of my account apparently a $215.00 termination fee which no one discuss with me, I am guessing it's my penalty fee for no longer using their service.

The initial conversation with Diana was great and we found the experience reassuring. We are still in the early days of the process, but so far we are satisfied.