Name: Beyond Finance
Rating: 4.8

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Joyce Gretna, LA

Your representative that was there to help me was very nice and informative of what would be happening for us to take this step towards getting out of debt.

3 years ago

Reply from Beyond Finance

Hi Joyce,

Thanks for leaving us such a great review! We’re happy to hear that our client service is living up to your expectations.

As always, you’re welcome to contact us at clientsuccess@beyondfinance.com or 800-282-7186. Thanks for choosing Beyond Finance!

- Client Success Team

Sep. 28th, 2022

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Donna Jackson Huntsville, AL

Finding financial assistance with Beyond Finance has been such a relief. Being in constant turmoil over how to get your bills paid is way too stressful.

3 years ago

Reply from Beyond Finance

Thanks for leaving us a review, Donna!

We’re so glad that you found us and chose to enroll in the program, and we can’t wait to help you move beyond debt.

We’re dedicated to keeping you up-to-date with your progress throughout your journey! You can track your debt relief progress by viewing your program online [https://www.beyondfinance.com/], or by contacting us at clientsuccess@beyondfinance.com or 800-282-7186. Thanks for choosing Beyond Finance!

- Client Success Team

Sep. 15th, 2022

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Larie Shepherdsville, KY

I was really nervous about taking this step but Nathaniel was very professional and extremely helpful. He was very thorough with explaining everything to me.

3 years ago

Reply from Beyond Finance

Welcome to the program, Larie!

Thanks for taking the time to review us! We know that being burdened by debt can be stressful, but we’re excited to help you take your first steps towards a brighter financial future.

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

- Client Success Team at Beyond Finance

Sep. 15th, 2022

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Donnie Young Orlando, FL

I liked the idea of Beyond getting in contact with the business or company and negotiate a plan or payoff amount without all of the finance charges that these companies charge.

3 years ago

Reply from Beyond Finance

Thanks for leaving us a review, Donnie!

We’re so glad that you chose to enroll in the program, and we can’t wait to help you move beyond debt.

We’re dedicated to keeping you up-to-date with your progress throughout your journey! You can track your debt relief progress by viewing your program online [https://www.beyondfinance.com/], or by contacting us at clientsuccess@beyondfinance.com or 800-282-7186. Thanks for choosing Beyond Finance!

- Client Success Team

Sep. 14th, 2022

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Mervyn Ramadhan Kabinjo Paragould, AR

I had a great conversation with the representatives who took me through the details of becoming debt free and they were patient and understanding because I was always interrupting them

3 years ago

Reply from Beyond Finance

Hi Mervyn,

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 fully walk you through our program and how it works!

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

- Client Success Team at Beyond Finance

Sep. 14th, 2022

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John Thompson Tulsa, OK

Les P Was outstanding to work with. The entire process was extremely seamless. I couldn’t have had a better experience. Thank you for helping me through every step.

3 years ago

Reply from Beyond Finance

Hi John,

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 gave you the support you needed during this process.

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

- Client Success Team at Beyond Finance

Aug. 22nd, 2022

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Ann Durfee Birmingham, AL

From the time I called for help I knew they were good at their jobs. They explained throughly how the program works. They walked me through each phase of the journey.

3 years ago

Reply from Beyond Finance

Hi Ann,

Thanks for the great feedback, and congratulations on moving beyond debt! We are glad to hear that you're feeling confident about your debt resolution journey and got the support you needed from our team from the very beginning!

Thanks,

Client Success Team at Beyond Finance

Aug. 12th, 2022

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Jewelleah Kempers Los Angeles, CA

I need everyone who reads this to understand something extremely important about this company. If you value your credit SCORE, run from these people. But if you simply do not care about your score and want to reduce the amount you owe....FILE BANKRUPTCY INSTEAD. Because no matter what, these people are NOT paying down your owed balances! Nope! I can prove it! My credit report from experian shows all of my trade lines and the amounts paid for each one for all the years they have been open. Beyond Finance paid NOTHING on the 6 accounts I handed over to them to manage. Nothing! Then after 6 months of NO PAYMENTS my trade lines began DISCHARGING THE DEBT AND CLOSING THE ACCOUNTS. And because of 6 months of fees many accounts went over their limits! So for example, my limit was 4400 on one account. I owed them 3600. After 6 months of Beyond Finance telling me to ignore all calls and letters from the creditors, this account now says C.O. (charged off) and CLOSED AT CREDITORS REQUEST. My credit report shows a high balance of 4580 and an amount of $50 paid in settlement, 4530 dis charged (written off as bad debt) therefore, I now look like a total flake who goes over my limit then runs without paying! This is what Beyond Finance does! I sincerely with all my heart believe that every positive review here has only just signed up with this company and has yet to experience the damage and the theft of their credit and money. Bankruptcy would be safer, kinder and save you more money by far. I am about to take this company to court and make them answer for their crimes, if anyone wants to join me in a multi-party lawsuit, contact me on Facebook: Jewelleah Kempers Oh and one more critical point I need to make is that their company "responses" published below this review are AUTO RESPONDER REPLIES that showed up 10 seconds after I submitted this review, BEFORE IT WAS EVEN PUBLISHED ON THE WEBSITE TO THE PUBLIC. They have several varieties of responses but this one was the exact same response as another client received, and again it immediately showed up after I hit the submit review button. They do not read these and do not intend on "fixing" their profitable scam! That's all I can say is: RUN!

3 years ago Edited August 17, 2022

Reply from Beyond Finance

We appreciate you sharing your feedback, Jewelleah. We always aim for transparency with regard to our process, and we're sorry that there's been some confusion about how our program works.

We pride ourselves on prioritizing our clients’ best interests while we work with their creditors. From the time of enrollment, our team actively works to reach resolutions that save you as much money as possible. Because we customize each program to meet every client's specific needs, resolution times may vary and it can potentially take up to six months or longer to reach your first resolution and subsequent ones.

Wed’d like note that after this initial period, many of our clients see their scores improve as their debt is resolved. Our surveys show that while 30% of our clients had the same score they entered and exited the program with, an additional 50% of our clients actually saw their creditworthiness improve by the time they graduated.

We’d like to further discuss your experience with our program. Please give us a call at 800-282-7186 or email clientsuccess@beyondfinance.com with your name, email address and phone number so we can get in touch as soon as possible. It’s important to us at Beyond Finance that we’re able to address your concerns.

- Client Success Team

Aug. 15th, 2022

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Chelsea Barber LA

Whatever you do not do it! It is a huge scam. The money that you owe the banks, just call your banks and ask them to turn off your credit cards and that you can pay them off. Beyond finance will end up making you spend the same amount of money, if not more because they’re cut off the top is the equivalent of what you owe at the very end. If they settle something for $11,000, believe you will be paying $17,000 for that. No one will ever contact you, no one will ever have information, no understand what’s going on and why you were so frustrated. When you give them basic math, they still say well we saved you half, but what they’re not saying is we may have saved you half of the banks and paid the bank half, but we also took a lot of money for ourselves. So basically yes you may have said giving it to pacifically to the bank, but you’re giving another house specifically to now which is just as much as what you owe. You were basically paying the same amount of money to ruin your credit score for years. I have completely graduated out of Beyond Finance within two years, paying way more money than I even owe to begin with. I went in $27,000 due to the pandemic not being able to work for a year. I foolishly called a credit relief that sold me to the devil. I am now paying about $28,000 total with all of their fees. When I started my credit score was 740, within two years it got as low as 495 by being with Beyond Finance. Now it is 635 which is still poor. I’ve paid everything off, and I owe nothing left. I’ve paid more than I ever owed to begin with. This was the biggest mistake I’ve ever made in my life and I really hope that someone reads this and does not sign up with accredited, freedom, debt relief, because they will sell you to this party. They are rude, and they do not know what they are doing. This whole company is a major scam. Please stay very very far away.

3 years ago

Reply from Beyond Finance

Thank you for the feedback, Chelsea. We are looking into this for you and will be reaching out as soon as possible to resolve this matter. In the meantime, you can contact us at 800-282-7186 or clientsuccess@beyondfinance.com to speak directly with a member of our team.

- Client Success Team

Aug. 12th, 2022

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Nancy Hamburg, NY

So far I really liked how everything was explained and reexplained (if needed) with such clarity and patience. I’m excited to get myself back on track.

3 years ago

Reply from Beyond Finance

Nancy—

Congratulations on taking the first step towards financial freedom! We’re so pleased you’ve already had a positive experience with us, and we’ll continue to do everything we can to: keep you updated on progress, work with your creditors to get each of your enrolled debts resolved and help you to graduate your program.

Thanks for choosing Beyond Finance!

- Client Success Team

Aug. 3rd, 2022

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Sandy W Foust Calvert City, KY

So far I enjoy your positive attitude to my situation. Your continue contact with me about the progress of the program. I feel your are and are going to be of a great benefit to my future.

3 years ago

Reply from Beyond Finance

Sandy—

Congratulations on taking the first step towards financial freedom! We’re so pleased you’ve already had a positive experience with us, and we’ll continue to do everything we can to: keep you updated on progress, work with your creditors to get each of your enrolled debts resolved and help you to graduate your program.

Thanks for choosing Beyond Finance!

- Client Success Team

Aug. 3rd, 2022

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Pamela Moretz Oak Ridge, TN

The two ladies I spoke with explained everything was knowledgeable of the way the plan works. I would recommend anyone with debt to go with this company.

3 years ago

Reply from Beyond Finance

Hi Pamela,

Thanks for the feedback! We want all of our clients to have a great experience with our program—we’re happy that our representatives were able to fully explain our process to you 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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Jillian Grand Rapids, MI

Don't do it! Beyond has had 25k of my money to settle all of my debts since 3/17/22. They have sat on the last debt for four months. I called the creditor myself and they told me Beyond had called them one time on 6/17/22 AFTER I asked Beyond for the status. Beyond promised to pay on 6/30/22 (no idea why they delay after I approve) and did NOT pay as promised until 7/11/22 when I AGAIN called the creditor who confirmed they had not yet been paid. They do not connect their customers with the individuals who are actually doing the work. Their responses are either completely wrong or a template answer. Of course they took their fee for this settlement on 7/1/22 LOL. I paid Beyond almost 9k in fees and wouldn't complain if they simply did their job. There are better options out there for you.

3 years ago

Reply from Beyond Finance

Jillian —

We appreciate your feedback and we're sorry to hear that your experience with our program and our team did not live up to your expectations.

Our Client Success Team is the best equipped to help our clients navigate their programs and resolve issues. After a careful review of your account, we have determined that a member of our team has reached out to you to discuss your program in detail and address your concerns.

If you have any additional questions, please feel free to reach out to our Client Success team through our live chat support, at clientsuccess@beyondfinance.com or at 800-282-7186.

Client Success Team at Beyond Finance

Jul. 20th, 2022

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Review Account

This is a for profit company. Basically this is what happens: - pay bi weekly amounts to a bank account that is set up through Beyond - eventually they will settle an account for half, usually start with smallest one - once customer agrees to the settlement they charge 25% fee to the customer within a few days - on my initial agreement with Beyond it says the fees are 25% and indicates it’s an average of 6% a year but it’s not, the entire fee is taken right away instead of over time - The fee from Beyond is so high that there is not enough money in the account for any other settlements. For example there was around $600 in the bank account due to my bi-weekly deposits. Beyond settled an account and the first payment was submitted to the creditor for around $50. Then Beyond takes their 25% which was around $490. Now the bank account has virtually no money to initiate other settlements. So meanwhile you’re stuck with nothing being settled, late fees, credit score in the tubes, etc. - Try to contact customer service and they give scripted answers that do not help explain - Try to get a fee schedule from Beyond and they do not provide it, stated that I had to agree to settlement first (they don’t want you to know how much they will be taking all at once) - Try to get agreement between Beyond and the creditor and they give a run around and tell me it’s on the dashboard which it’s not At the rate they go these accounts with not be settled within 6 months or even a year. Then more months go by, late fees, collections, lawyers are suing, etc. This company hires “sales” people who are very convincing, but it’s a scam. Really, their job title is SALES. Most of the 5 star reviews are after the initial experience because they are, “so nice and helpful”. Once you’re in the program a while you realize that you are getting screwed and there’s nothing but idiots on the other end (sales people are gone and it’s now just phone reps from other countries). They say you save half with their services but by the time you pay them 25%, plus extra late fees and penalties because the accounts are delinquent so long, you might save 10% - and that’s if you don’t get sued or go to court. I do not recommend this company.

3 years ago

Reply from Beyond Finance

We’re sorry to hear that your program experience and savings did not live up to your expectations.

Our program can help our clients reduce their enrolled debts by up to 50%.Although everyone’s situation is unique, our clients would generally pay twice as much if they tried to tackle the full balance owed to their creditors on their own. It’s worth noting that even with our fees, our program is a money-saving solution that is considerably cheaper and faster than remaining in the cycle of making minimum payments.

We are sorry that our program was not the right fit and wish you luck on your financial journey!

- Client Success Team at Beyond Finance

Jul. 8th, 2022

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TAMMY L curtis-JACOBS Dallas, TX

My husband died on the 13 th of June I received a call from beyond finance stating that a payment would be taken from my account for his first payment with company I told her my husband passed away the night before her call so to cancel any contract before it even started she stated that she would do just that 7 days later they took $152,and change out of my account which caused an overdraft fee of $34.00 I called and told them what they had done and the representive said that she would grind my 152.00 and pay overdraft fee if I would please send in statement showing overdraft and why it occurred an fax over his death certificate showing his passing and the date. Today almost three weeks later they deposit 106.00 into my account and want to tell me that monies had been taken before that and I wasn’t entitled to it back . There was never any previous payments taken out and I have proof of that as well they don’t want to give back what they illegally took and pay for damages rendered because of it I find it appalling that I’m scrapping Pennie’s to get my husband buried and everything in order and they want to blame me and lie about monie taken prior to his death . That one thing I cannot do business with is a company of liars what will be next who will be the next victim and will she or he be able to stand up for themselves . I’m very worried for all who think they are doing the right thing because they didn’t do right by me or my deceased husband no not a paying client but the wife of a potential client they ripped off. Bad bad business

3 years ago

Reply from Beyond Finance

Thank you for the feedback, Tammy. We are looking into this for you and will be reaching out as soon as possible to resolve this matter. In the meantime, you can contact us at 800-282-7186 or clientsuccess@beyondfinance.com to speak directly with a member of our team.

- Client Success Team

Jul. 8th, 2022

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edward Winik High Springs, FL

This beyond finance is a farce they do not save you any money, in fact by the time your done paying all the fees to both creditors and beyond you have paid more then what your original debt was to begin with. The payment made into your account each month to pay the creditors adds up so that by the time you have made enough deposits the credit companies have increased the debt by charging you late fees and interest on your account. And your credit gets shot to hell. I have actually graduated from the program by taking a loan from above lending their affiliate and now beyond finance is giving me the run around on refunding any funds that are left over back into my bank account. $300,20. They say above lending has something to do with the refunding of the money but I called them and they said they have nothing to do with it which is true, So beyond finance are clearly lying. They give me a different answer each time I call or chat and never a correct one. After several emails, phone calls, chats, they finally refunded my money back to me. But still, don't go with this company or any debt relief program it is all rip-offs, you'll pay allot more then what you owe. Do it yourself with the credit companies and save yourself allot of headaches and frustration and possible law suits.

3 years ago Edited May 25, 2022

Reply from Beyond Finance

Hi Edward,

We are sorry to hear that your experience with our program did not live up to your expectations. Our ultimate goal is to help our clients resolve debt while saving them time and money.

After a thorough review of your case, a member of our team has reached out to tie up the loose ends of your program graduation and issue your refund. We're sorry for the inconvenience that this delay has caused you, and wish you the best of luck with Above Lending!

Thank you,

- Client Success Team at Beyond Finance

Jun. 3rd, 2022

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Paul Pruitt Fort Worth, TX

Beyond told me not to talk to creditors and they would handle everything. I followed their instructions and paid the set amount every month. 1 card was settled and was charged a fee when settled plus a monthly fee. They say that are in constant communication with all my credit cards but they are not. I have 2 cards that are now charge offs and in the hands of outside collectors and these cards now refer me to them. Asked if they had been in touch with beyond and they tell me that Beyond has had no contact with them. I have since Beyond and to fix this problem myself. Stay away from using Beyond.

3 years ago

Reply from Beyond Finance

We appreciate your feedback, Paul. Our goal is to be as transparent as possible about our debt resolution program, which includes being upfront with our clients about our process, timeline, and fees.

We are sorry that our program has not lived up to your expectations but we would love to continue working with you and resolve this. Please reach out to us at 800-282-7186 or clientsuccess@beyondfinance.com so that our Client Success team can address your concerns.

Client Success Team at Beyond Finance

May. 19th, 2022

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Victoria Suarez Fort Lauderdale, FL

I had no complaints of Beyond until it came time for graduation of their program. All my creditors have been paid, confirmed paid in full, and I was told I was graduated from the program and I was going to receive the leftover funds in my dedicated account transferred to my bank account. That was on Feb 28, 2022. It is now April 14th and since friday I have been given the run around by every single employee I speak to and when my money is supposed to arrive to my account. Friday I was told Monday. Monday I was told by another gentleman that actually my account was not graduated because one of my creditors said they were not paid in full. I called that creditor MYSELF and was told that was false and they did in fact acknowledge to Beyond that everything is settled in full so there should be no issue. So I called back and then was finally told that yes they somehow miraculously received this confirmation (literally one hour in between phone calls) and I would get my money via transfer by Wednesday...NOTHING. Now, the gentleman (JT) who took my call and PROMISED ME I was put on top priority by his superior (Otis) and my money was in fact going to be transferred within 24-48 hours on Monday, will not return my phone calls. A woman (Roslind) that I spoke to on the 11th told me I shouldn't expect my money until Friday (15th) or next week at best. WHICH ONE IS IT?! I'm sick of being lied to and my money withheld from me which I am entitled to.

3 years ago

Reply from Beyond Finance

Hi Victoria,

We are sorry to hear that your program graduation has not gone as expected.

Our goal is to help our clients move beyond debt as quickly as possible. We’d like to resolve this and help you complete your graduation— we have performed a thorough review of your account and referred your program to a member of our team, who will be in touch shortly.

In the meantime, please feel free to follow up with our team at clientsuccess@beyondfinance.com or 800-282-7186.

Thank you,

Client Success Team at Beyond Finance

Jun. 17th, 2022

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Donna Woods New Orleans, LA

Started in 2019, paid every payment on time, credit rating tanked, got served papers by creditor who didn't want to settle, no legal help. Finally paid off my balance Feb 2022. The person who took my final payment didn't. " Push the button" to cancel future ACH withdrawals. It made me overdraft. Come to find out, I not only paid bill off, they owed me a substantial refund. Did not find that out until I called about the ACH withdrawal. And they can't return the ACH payment until it clears there side. They can not refund my credit until the ACH clears. When were they going to inform me that I had a credit? It's been there for over a month? Do I get the interest they have accumulated ? I've called 3 times in the last 24 hours , reps are apologetic, but basically I'm going to have to deal with it. There is someone in this company who can make an executive dicission and do what's right. It behooves me that they use a program that does not red flag issues within each account.

3 years ago

Reply from Beyond Finance

We appreciate you sharing your experience, Donna.

We take your feedback very seriously and are currently conducting an investigation into the experience you shared here. A member of our team will be reaching out to learn more about what happened and find a resolution to this situation.

Thank you for choosing Beyond Finance.

Client Success Team at Beyond Finance

Apr. 13th, 2022

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Mellec Aurora, CO

The company does not reveal the true 'cost' of doing business with them to you when they initially talk to you. They say they will settle your debt for at least 50% of the amount owed. While it was my concern when signing up that this can't be guaranteed, I went ahead and enrolled. My fear was correct. They did NOT settle my debt for as little as they had promised and their fees are outrageous (25% of the debt enrolled, not the amount you pay after the settlement). I enrolled $8K in debt and after it was all said and done (they took their cut), they saved me a measly $300. Beyond claims they will save you so much money, and it's just not true. Your credit score is hit severely and if I would have just paid my cards outright (and spent $300 more), I would've saved my credit score as well. I can't stress enough how this program is NOT worth it. Don't be fooled by them. Take my advice and try to settle your cards outright and do not pay this company to take your money.

3 years ago

Reply from Beyond Finance

Hi Mellec,
We appreciate your feedback. We strive to be transparent with our clients about our program and processes, which is why we review our fee structure with each client during their enrollment. Even with our fees, working with us can be much less expensive than paying the full amount owed to creditors and remaining in the cycle of making minimum payments, which includes higher interest costs and other fees.

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

Thank you for choosing Beyond Finance.

Client Success Team at Beyond Finance

Apr. 13th, 2022

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Jamal Siarag Mather Field, CA

September 2020 I spoke with an enrollment agent Justin T for beyond finance to settle 3 credit cards. I signed up a 24 months agreement and was told that was it. I do not need to pay any more penny and they will settle all 3 credit cards. Fast forward to 2022 February. I spoke with beyond finance agent and asked how much left to pay off the program so I can graduate from the program earlier. They gave me the amount and suggested that I add a buffer just incase “in my head - I’m like what do you mean just incase? when you told me I only have to pay certain amount of money for 24 months.” Nevertheless, I added “the buffer” more money on top of whatever was left to pay off the program. It doesn’t end there… Today March 4th, a new agent reaches out to me and I’m like “ Thank God - I’m about to graduate from this debt who had me in a miserable situation financially for the last several years. To my surprise they asked for more money again, this time a crazy amount. I said NO. You either settle this cursed debt as you PROMISED or I’ll take my chances with the law. I really want to get a lawyer’s help or something at this point because this is a fraud. Tell people what they are getting themselves into from the beginning and use basic English words. I’m 27 years old and I’m really loosing my faith in the financial sector people.

3 years ago

Reply from Beyond Finance

Hi Jamal,

We appreciate your feedback. We are sorry to hear that you are experiencing a delay in your program graduation and that you are concerned about your program deposits.

Our goal is to help our clients resolve their debts as quickly as possible. Unfortunately, not all creditors approach resolutions the same way. As a result, payoff quotes are meant to be taken as estimates and clients may ultimately need to pay more or less depending on the terms of future settlements.

We understand your frustration and we are sorry for the anxiety and inconvenience that this has caused you. We would like to provide you with an update about your program. A member of our team will be reaching out soon to further discuss your program and address your concerns. Thank you for choosing Beyond Finance.

- Client Success Team at Beyond Finance

Apr. 13th, 2022

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Alli Thur Reno, NV

They lied to me in order to get me to sign up. After I signed up I got emails saying what they were really doing and had to call them to cancel and try to get my money back. I was told that my debt would roll over into a personal loan. All of it. I was not interested in settling as it would close my credit accounts. They said my accounts wouldn't close and my entire debt would roll over in three months of good payments. They said they would start contacting my creditors immediately. Then I found out they lied they were attempting to settle accounts. Late fees were incurring, and they were charging me 25% of my debt for this settlement service. The personal loan to finish my debt was probably six months out and not guaranteed. I thought this was a viable solution but the first review listed on google that raves about them seems to be an advertisement which is very misleading.

3 years ago

Reply from Beyond Finance

We appreciate your feedback, Alli.

Our goal is to make sure our clients fully understand how the debt relief process works so they can start resolving their debt and saving money. We are very sorry that we missed that mark with you and that the program was ultimately not the right fit.

We wish you the best of luck on your financial journey!

Client Success Team at Beyond Finance

Mar. 22nd, 2022

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Deb Riddle Muskegon, MI

Linton W was extremely helpful, courteous, and well informed on every questiin I had...Beyond Finance was the best thing I have stumbled onto in my life.

3 years ago

Reply from Beyond Finance

Hey Deb,

Thanks for sharing your feedback! We want all of our clients to feel comfortable on their debt relief journeys and we’re glad to hear that our representative, Linton, was able to answer all of your questions and prepare you to begin your debt relief journey! Thanks for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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Christine T Fort Worth, TX

I just signed up with Beyond yesterday. They were very helpful, friendly and knowledgeable. I’m so ready to be debt free. We will see how this goes in the coming months.

3 years ago

Reply from Beyond Finance

Welcome to the program, Christine!

Thanks for taking the time to review us! We know that being burdened by debt can be stressful, but we’re 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 or contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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K C Saint Joseph, MO

I would give 0 stars if I could. This company is the BIGGEST scam. They claim to settle your debts in “3-6 months” but they actually take over 2 years. They are TERRIBLE at communication, don’t bother emailing them because you probably won’t get a response. Their fees are absolutely insane, and by the time they get around to negotiating a settlement for you, your initial debt balance has probably increased by the MAYBE 25% you would save if you had paid the debt off yourself, so you barely save a penny. Plus, your credit is absolutely wrecked. They charge a ridiculous fee for a savings account each month, and they throw in some surprise documents that will incur a monthly charge as well. After you’ve signed a settlement agreement, thinking a settlement has been made, they will send you another settlement a month later for the same debt claiming the first one didn’t work out. I was incredibly naive signing up for this program, please don’t waste your time or energy! Worst company I have ever dealt with. Also called in a month ago about some missing funds, and when the woman told me she would investigate it and *promised* to call me back within 2 business days, I believed it. It’s been at least a few weeks since then and I haven’t heard a peep. So, just to reiterate- please don’t do it. I am a paying customer of this service and I’m telling you it’s trash.

3 years ago

Reply from Beyond Finance

KC, we greatly appreciate your feedback. Our goal is to help our clients resolve their debt as quickly as possible. Prior to and during our clients' programs, our top priority is making sure that they fully understand how those programs work, including the process, our fees, and the program timeline.

We take your feedback seriously and would like the opportunity to address your concerns about the balance in your Dedicated Account. Please reach out to us at 800-282-7186 or clientsuccess@beyondfinance.com so that our Client Success team can review your account with you and resolve this.

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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Emilee Coleman Lubbock, TX

I need to speak to someone about why I have not graduated from the program that we are enrolled in. I was told by a representative in November that we would be done with this before Christmas, it has been a month past Christmas. Please explain to me what the issue is. I have offered to pay over the settlement amount. All that I have heard is that our last enrolled debt is not settled yet. I have heard that you have been communicating with that company, but no agreements have been made. I have enjoyed working with Beyond, until we got our loan from Above. Beyond has been no help since we were given our loan, and I do not understand why.

3 years ago

Reply from Beyond Finance

Hi Emilee,

We appreciate your feedback. We are sorry to hear that you are experiencing a delay in your program graduation. Our goal is to help our clients resolve their debts as quickly as possible. Because we customize each program to meet our clients' specific needs, resolution times vary from person to person and it can take up to six months or longer to reach each resolution. Unfortunately, not all creditors approach resolutions the same way, so program timeline estimates cannot be guaranteed.

We understand your frustration and we are sorry for the anxiety and inconvenience that this has caused you. We would like to provide you with an update about your program. Please reach out to our team at clientsuccess@beyondfinance.com or 800-282-7186 to talk.

- Client Success Team at Beyond Finance

Feb. 10th, 2022

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Sondra Shumaker Miami Beach, FL

SCAM - I signed on w/Beyond Finance in Aug 2021 after the pandemic closed my event planning business and I had racked up considerable credit card debt, living on my credit cards. The rep at BF sounded knowledgeable and explained the program was designed to settle all debt within 120 to 150 days. We are now at 6 months later, my credit score has plummeted to 415, after ignoring any and all communication with my creditors - they have settled exactly ONE $2000 debt for alittle over half, which they are MAKING INSTALLMENTS ON, rather than just settling it which they have the ability to do, since they have collected some $2500 from my monthly drafts to them. And today, Trent at BF - who refused to supply a last name (what financial institute allows reps to use only first name, while they are sitting with ALL your personal data, SS, DL, bank accounts...????), advised that the large balance credit cards WOULD NOT BE SETTLED FOR YEARS - because they would have to collect from me enough funds to negotiate the settlement. THAT is NOT what was promised - infact just the opposite... specifically BF has the power in the marketplace because they have the ability to settle your debt in your behalf, as long as you establish a pattern of reliable payments over a 90 - 120 day period. THIS IS A SCAM - STAY AWAY.

3 years ago

Reply from Beyond Finance

Sondra, we appreciate your feedback. We are deeply sorry to hear that our program was not the right fit for you. We always aim for transparency with our clients with regard to our program, our process, and our fees. We regret to hear that you feel we missed the mark with you and that you felt you had unanswered questions about your program.

After a thorough review of your account, we have confirmed that your program has been terminated.

- Client Success Team at Beyond Finance

Jan. 19th, 2022

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Sheena

It’s only been a couple of days. However my overall experience with every one I encountered has been nothing short of amazing. I look forward to being debt free.

3 years ago

Reply from Beyond Finance

Thank you for leaving us a review, Sheen! We are very glad that you chose to enroll in the program, and that things are off to a great start!

We’re committed to keeping you up-to-date with your progress throughout your debt relief journey! You can track your progress by viewing your program online and contact us with any questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Jan. 18th, 2022

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Mspha23 Grass Valley, CA

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.

3 years ago

Reply from Beyond Finance

We appreciate your feedback and we are very sorry you're unhappy with your program. Our goal is to save our clients as much time and money as possible through debt resolution compared to a high-interest cycle of debt many of our customers face from their credit cards. We’d like to note that our program is often much less expensive than continuing to stay in the cycle of making minimum payments to your creditors, which is made more expensive because of various fees and compounding interest.

We’d also like to note that once resolved debts are repaid they can be designated as "Settled" or "Paid Settled" or some other similar designation. However, unfortunately, we have no control over how, when, or what the creditor reports to the credit reporting agencies. We encourage our clients to practice positive credit behavior both during and after their programs to help their creditworthiness over time. Historically, we've found that many of our clients see an improvement in their credit score as their debts are resolved and paid.

We’d love the opportunity to continue working with you and are keen to further discuss your experience. Please call us at 800-282-7186 or email clientsuccess@beyondfinance.com to speak with our Client Success team. Thank you for choosing Beyond Finance.

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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Cynthia Bethea Fort Bragg, NC

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!

4 years ago

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Osiris Isis Evansville, IN

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.

4 years ago

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Lauren Snell Green Bay, WI

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....

4 years ago

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Riad Almawy Dammam, 04

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.

4 years ago

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Charlie smith Monterey, IN

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.

6 years ago

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Joe Carranza

Very helpful! Very detailed and informative!

2 months ago

Reply from Beyond Finance

Hi Joe,

We're pleased to hear that you found our team helpful and informative. Your experience with us is important, and we appreciate you taking the time to share your feedback.

— The Client Success Team at Beyond Finance

Oct. 14th, 2025

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Todd Treese

it’s going to save me money on my credit card bills

2 months ago

Reply from Beyond Finance

Hi Todd,

We're happy to hear that you're seeing monthly savings! It's wonderful to know that your experience with us is making a positive impact on your financial journey.

— The Client Success Team at Beyond Finance

Oct. 14th, 2025

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Melinda Henson

Friendly and easy to work with regarding my goals

3 months ago

Reply from Beyond Finance

Hi Melinda,

We're excited to hear that you found our team friendly and approachable as you work towards your goals. Your positive feedback means a lot to us!

— The Client Success Team at Beyond Finance

Sep. 15th, 2025

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Jen

Excellent customer service. Highly recommend

3 months ago

Reply from Beyond Finance

Hi Jen,

Thank you for your wonderful feedback! We're grateful for your recommendation and are glad to hear that our team provided you with exceptional service.

— Beyond Finance

Sep. 15th, 2025

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Sheila Wunderlich

Everyone was so helpful. Everything was explained completely.

5 months ago

Reply from Beyond Finance

Hi Sheila,

We’re grateful to hear that our team was able to provide you with clear information and support. Thank you for recognizing our commitment to helping you!

— Beyond Finance

Aug. 6th, 2025

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gigi pedroso

Competency. Short time on the phone. Not going around the bushes. Efficiency

5 months ago

Reply from Beyond Finance

Hi Gigi,

We’re delighted to hear about your positive experience with our team! Efficiency and clear communication are key to our mission at Beyond Finance, and we appreciate your recognition.

— The Client Success Team at Beyond Finance

Aug. 6th, 2025

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Marlene Moore

I loved dealing with Nathan . He was a pleasure to deal with

5 months ago

Reply from Beyond Finance

Hi Marlene,

We’re excited to hear about your positive experience with Nathan! Our team is dedicated to providing exceptional service, and your feedback means a lot to us.

— The Client Success Team at Beyond Finance

Aug. 6th, 2025

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Oluwamuyiwa Emmanuel MARTINS

Excellent Customer Service and complete understanding of need

5 months ago

Reply from Beyond Finance

Hi Oluwamuyiwa,

Thank you for your kind words! We're grateful to hear that our team provided you with the understanding and support you needed.

— The Client Success Team at Beyond Finance

Aug. 6th, 2025

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CathyR

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

6 months ago

Reply from Beyond Finance

Hi Cathy,

Thank you for your kind words! We're pleased to hear that our team member provided you with a thorough explanation of your program. If you have any questions or need assistance along the way, feel free to reach out.

— The Client Success Team at Beyond Finance

Jun. 9th, 2025

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Vannesa Vasquez

Easy app and great customer service that walked me through every step of the way

7 months ago

Reply from Beyond Finance

Hi Vannesa,

We’re delighted to hear that you found our app easy to use and that our team members provided the support you needed throughout your journey. Your satisfaction is our priority, and it’s wonderful to know we met your expectations.

— The Client Success Team at Beyond Finance

May. 9th, 2025

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R Oscar

The representative was understanding, knowledgeable and helpful. The monthly fee fit just right in my budget.

11 months ago Edited January 2, 2025

Reply from Beyond Finance

Hi there,

We’re thrilled to hear about your positive experience with our team! It's great to know that the monthly savings are helping you prioritize your needs over debt. Thank you for choosing us. We’re here to support you on your journey to financial freedom!

— The Client Success Team at Beyond Finance

Jan. 21st, 2025

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Rosa Armstrong

I liked talking with Marco Garcia he explained everything I needed to know.. Marco was very nice and very good talking with me..

1 month ago

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Larry Vaughn

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

1 year ago

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Melanie Quinn

I had received great service and was given full knowledge of the process. I was very comfortable as Judith made me feel ar ease

1 year ago Edited December 1, 2024

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William bernath

Tylor is very knowledgeable and compassionate while speaking with me. He understood my situation and was able to help me set my goals.

1 year ago

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Janet

So far, so good! Loved Rodney and the sweet lady I spoke with. Details were clear and well explained. I’m excited about the program!

1 year ago

Reply from Beyond Finance

Hi Janet,

Thanks for sharing your positive experience with Rodney and our other representative! Our teams prioritize providing exceptional service to our clients, so we truly appreciate you taking the time to recognize us.

— Beyond Finance

Oct. 8th, 2024