Beyond Finance

The agent very politely and professionally. Explain everything to me . What to do and not to do

Was a fast process. Everything goes like it should. I should save about $40,000 in interst charges

Ryan was excellent!!! He’s very detail oriented and explained everything perfectly to me.

Excellent customer service. Explained every step in detail. Never made me feel stupid.

Understanding the current situation. Willing to help with my financial problems.

Talk about a weight being lifted. I can finally sleep at night. Thank you for all your help.

They were very thorough in their explanations. Friendly, courteous, and understanding.

Under separate cover and addressed to "documents@beyondfinance.com", I sent you an informal review on Nov. 13th along with a submission of a document sent to us by a creditor (CapitalOne).

Cory was amazing, took his time very clear on all aspects of our communication during the initial process. He was very professional and an asset to your company.

DO NOT GO THROUGH THIS COMPANY, A SCAM. YOU ARE BETTER OFF NEGOTIATING SETTLEMENT ON YOUR OWN OR UTILIZING AN ATTORNEY. THEY WILL TAKE YOUR MONEY AND 25% OF THE FULL AMOUNT OF THE DEBT (Not the settlement amount) SO THEY WILL TAKE 100% OF THEIR PAYMENT 25% PAYMENT BEFORE YOU EVEN PAY OFF 25% OF YOUR SETTLEMENT. THEY DO NOT DISCLOSE THAT. They make it sounds like it is over time till your loan is paid off. NOT TRUE. THEY WILL GET THEIR MONEY FIRST. IT DOESN'T MATTER HOW MUCH YOU MAKE, IF YOU HAVE A LIFE EVENT DURING THE TIME OF YOUR SETTLEMENT PAYOFF - NOT THEIR PROBLEM, THEY WILL BE SURE THEY GET THEIR MONEY FIRST AND YOU HAVE NO SAY BECAUSE THEY TAKE IT FROM YOUR ACCOUNT. IF YOU PAID OFF 15% OF YOUR LOAN SETTLEMENT, IT DOES NOT MATTER THEY WILL TAKE 100% OF THEIR 25% OF THE GROSS AMOUNT YOU OWED. They took $2,400 out of the "savings" account they were collecting for me right after my resolution acceptance and put that ALL towards them and NONE of the loan or settlement. That's wasn't even the full amount of the fee, I ended up discovering LATER ON after a complaint call that they were still taking fees out of the payments, and IT DOES NOT SHOW ON THE APP. I told them I didn't want to be a part of this and wanted to cancel, (they say you can cancel at anytime) their response was THEY WOULD KEEP ALL OF MY FEES and then I would be opted out of the settlement agreement with the lender. Even a mortgage lender provides an amortization schedule... If they don't make this right, pay me my money back for non-disclosure of schedule of resolution fees for acceptance, I will be forced to press charges against this company for me, and everyone else, for doing a non-disclosure of Resolution Fee Schedule before a resolution acceptance.

This company only cares about their bottom line. I have yet to see any 5-star reviews that were written by anyone who has been in the Beyond Finance program for more than a year and is still pleased with their decision to go with this company. Most end up sued by at least one creditor and Beyond Finance calls to demand more money immediately; that's their fix to your debt. I'm sure we all signed up because we could afford to drop a few grand into an account instantly, right?!? When you explain you aren't in a position to pay up, they inform you that your creditor will be able to move forward with further legal action. My last negotiated deal went as far as a court summons before I took matters into my own hands to seek a personal loan from family. Now I assumed more debt to resolve debt that they should have dealt with sooner. They tell you they contact creditors, but they obviously aren't or there would be more potential agreements hitting my inbox on a regular basis. When you tell them your concerns they just use their same 3 teleprompts to address your concern. Do yourself a favor, find a different company because this one is a legal scam.

Do yourself a favor and work out the debts yourself or hire an actual attorney. It would save you a lot a money and aggravation. This company is only good for people who really don’t want to deal with their debts and don’t mind sending money hand over fist to get it taken care of. I started with the program July 2023 because they promised that they will get everything taken care of and sent me something showing how they can negotiate my debt down to almost half. In this year I have been in court almost every other month. When I try to call to get some direction or what’s going on I get no real answer. I even had one of their reps argue with me because I didn’t want to sign a settlement agreement that grants the debtor a judgement upfront. His explanation was that most of these agreements require a judgement upfront, which I know they don’t require that and also why would I sign something that would leave a negative mark for years after the debt is paid off. Recently it became clear why they are so pushy to get me to sign these settlements even if they are not beneficial to you and it’s because they charge you a fee of 25% of the settled for amount. So let’s talk math for a second…with their fee schedule if you have a debt that is $2700 and they get a settlement agreement for $2300 they’re going to send you this big ole email saying that they saved you $400 on a settlement (congrats YAYY ME!!!) but they fail to put in that email that they are going to charge you a fee of $575. So not only are you still paying the $2700 but also an additional $175, for them doing something I could’ve probably negotiated better myself. When I finally discovered all of this it started with Beyond calling to tell me that I had a settlement offer and they needed for me to make an additional deposit of almost $1300. I was put under the impression that this was to pay it in full. I didn’t have the money right off hand, but I managed to get it together and send it. A couple of months go by and there’s no additional closed accounts, but the money is gone. I called Beyond and explained the situation and they told me that the money was used to pay their $798 fee for a settlement they completed. Even after explaining that I was told that this was for a settlement not a fee all they would say is that it’s in the contract. I know the contract and it states that fees will be paid in small increments that fit within my monthly payment. So after speaking to the rude reps and even more rude supervisor Beyond has basically admitted to thinking it’s ok to call people, who are struggling already, for additional deposits under the guise of account settlement but are really using it to pay their fee…all while I’m being dragged in and out of court for accounts they claim to have been working on for over a year. And BIG SURPRISE they won’t correct it, even though they admitted to having recordings of the call where I was told it was to settle an account and I have copies of the transactions show they used the money for their fee and not to settle an account. Do yourself a favor, pull your head out of the sand and handle it yourself. Don’t waste time and money like I did. They take advantage of people.

***DO NOT USE BEYOND FINANCE*** This company is incredibly deceptive! I started with a phone call to them because I read the great reviews online and I needed help with my debts. I had $26k in debts that I owed. Beyond Finance made it sound like a miracle that they could reduce my debts by about HALF, which is semi-true.... But you end up paying WAY more because of their fees, which they try to confuse you about and pressure you to sign the agreement as soon as possible so you can have less stress.. I paid almost $5k into my dedicated savings account during the first year and only $1300 of my debts were paid. Where did the rest of the money go??... FEES from Beyond Finance!! They take 25% of your ORIGINAL debt amount PLUS add an annual fee of 6.25%! (My agreement was over 5 years, so 6.25% of $26k x 5 years! You end up basically paying the same amount you would have to your creditors (or maybe even more) PLUS they only paid off ONE of my creditors accounts at $600 during that entire first year! So my credit went from a 750-780 all the way down to 400 PLUS added late fees, which increased my balances. This company makes you feel like they are doing such a good thing for you, when really they are pocketing your funds over and over for exorbitant fee amounts and you basically have nothing left unless you keep making the monthly payments and just hope that it will go to a creditor and not BF's pockets. I am sick to my stomach that I was taken for granted as a single mother who was recently diagnosed with M.S. after taking the Covid vaccine and being unable to work temporarily put me in a difficult financial position. Do NOT sign up with Beyond Finance!! You WILL regret it! They claim that their agreements are transparent, but they absolutely deceived me and so many others... Do your research and look them up under "Beyond Finance complaints" and you will find many people who have suffered HUGE losses financially, credit-wise and end up in a much worse position. Please be aware of these scams.

I DO NOT RECOMMEND THIS COMPANY. PLEASE READ FULL REVIEW. This company promised to cut my debt payments in half, from around $1360 to $750. It did just that, for the first 9 months. While this process was underway it destroyed my credit. This was mentioned up front, so I'll give them that. But they only pay your debt to the creditors in order from which they settle. The first company that excepted negotiations gets the payments I make. Another company wanted their money at the same time and was going to take me to court. Their solution (Beyond Finance) was to DOUBLE my monthly payments. So the agreed $750 jumped to $1500, they also wanted to start immediately. So I'm now paying $140 more than I was and my credit score went from almost 775 to 500. I couldn't make the immediate increase so they pushed it back a month. So I have to pay $2250 in one month. I'm now working 7 days a week. This seems perfectly fine to them since we agreed to a term of 5 years for payments, now it's 3.5 years since I'm paying double. Does that sound like a good deal? Could you afford that drastic change? I DO NOT RECOMMEND THIS COMPANY.

Nothing in particular. Just felt at times I was rushed through it. I am 83 years old and somewhat slower than when I was younger. Mike was very nice though and tried to be patient.

I am disgusted by this company. I called and spoke to a representative in April 2023, simply looking to consolidate cards that I had used for a business start up. I wasn't even looking to negotiate the debt, I just wanted to simplify my payments. The representative made this program seem wonderful, and they'd be able to negotiate the balances on my cards. I was told the negotiations usually take 3-6 months before an agreement is reached and regular payments begin. It's now April of 2024, and I still have one account that has yet to be resolved. I was told there would be a temporary drop in my credit score while they negotiated my debt, but not to worry!! It'll go right back up once payments begin. My score was mid 700s. I now have a score of 531. Any time i contact the company they have nothing to say other than some companies take longer to negotiate and there's nothing they can do. I was lied to in order to enroll me in this program.

The patience and kindness of my representative. She was very informative and took her time helping me understand the process. I definitely will recommend to others.

The service was great, and your customer representative went above and beyond to help me,he answered all of my questions with much understanding 👍 thanks 👌

Justin W was very professional and walked me thru every step of the debt relief program at the same time understanding my current debt load and criteria.

This company is a rip off. They settled 2 accounts I paid $900 and the 3rd account took me to court they didn’t even try to negotiate with them I settled with that company out of court with a payment agreement. Then when I said this wasn’t helping me and I wanted to close my account they KEPT MY $300 I had in my dedicated account saved. Hmmm just seems like they’re just as bad as all those companies they talk down on about high interest you do the math they took $300 on $900 settlements that’s 33% they are nothing but crooks and are just as bad as high interest creditors they talk down on. Would NEVER RECOMMEND anyone to this company not even my worse enemy.

Please stay away. As a business owner myself, I tend to not give out negative reviews as I know how harmful they can be but if I can keep even one person from enrolling it will be well worth it. In December 2022 when I signed up, I wasn’t struggling with credit card debt, I simply wanted a consolidation loan to combine my several credit card payments into just one payment a month. I Googled “credit card consolidation loan” and Beyond was one of the first to pop up. I called inquiring about rates and terms. The woman I spoke with talked about how they’re a great option to escape debt and lower my monthly payments. Stupidly on my part I went ahead, it was then I was told that I’d take a “slight temporary hit” on my credit score, but nothing to worry because everything will be wrapped up “shortly” and I can move on from my debt. What an awful choice on my part. They tell you to stop making your credit card payments, and that you’ll soon be “contacted” by the credit companies and to “ignore them”. Well they hound you. Multiple times a day. They will contact your family looking to get a hold of you. Endless letters sent by US Mail and FedEx. And more and more phone calls to you and sometimes your family members. That “slight” and “temporary” hit to your credit score? Mine went from a 710 in December 2022 to where it sits in high 500’s in December 2023. So either I was lied to about “slight” or the definition of the word has changed at some point and I wasn’t notified. I had planned around this time to move, that can’t happen now because no way I’m getting any decent mortgage with a credit score in the 500’s. The true cherry on the top of this program, is that in July 2023 I was sent an email from Beyond saying something along the lines of “congratulations you will soon qualify for the Graduation Loan Program”. Basically saying I’ve done everything I’ve needed to and that soon I’ll be getting a code from Above Lending with an invitation to a credit consolidation loan. Hallelujah I thought, the exact thing I was looking for in the first place. I call Beyond to ask for more information and they say that you need to be in the program for 9 months and have 6 consecutive months of on time payments. Perfect, I never miss any payments, and within a few weeks I’ll have been in the program 9 months. It hits 9 months of me in the program, I call and ask about the loan, the person I speak with said I’ve met all of the requirements and I’ll likely be reached out to shortly. This was September, I call both Above Lending and Beyond once every 2-3 weeks for an update, and I keep getting the answer of “soon” and now in mid-December 2023, I’m still getting told “soon”. Meanwhile I was legally served with a lawsuit from one of my credit card companies and likely on the verge of another one. I’m living in constant anxiety that another server will be showing up at my door with more legal papers and another lawsuit. By the way, they never tell you about this until it actually happens. So let me tell you, avoid this program unless you actually like being served and having a lawsuit against you from a major corporation. I’ve spent several nights with tears in my eyes because of what this program has done to me financially, and how I can’t move to a new house which was something I had been planning and preparing for for years. I’m 33 years old and have never been a day late on a payment for anything let along straight up skipping payments. I’ve called both Beyond and Above Lending basically begging and pleading to get me that Graduation Loan, and no progress has been made. I’m under the belief at this point that it won’t ever happen, and that “slight” and “temporary” hit to my credit score is more like “crippling” and “long term”. Signing up for Beyond’s program may be the worst mistake I have made in my life, and unless you are in dire straights with your debt, please, please do not make the same mistake as me. I’m at the point where if I don’t have that Graduation loan by the end of January 2024, I’m pulling myself out.

If I could give no stars I would. I signed up for Beyond Finance about 3 months ago. Two payments went through for 1 settlement that they got for me. For two months I was paying that. For this third month they took the biweekly payment but I canceled one week later and my third month payment did not go thru yet. Just so you know I canceled because I found out I can contact my creditors and work this out with them and not pay high fees. So Beyond Finance took the money left in my account that was $178.00. They did not refund it and I don't know why because the 3rd month payment did not go through yet so what are they charging me for. Do not go through with this company at all. They told me when I signed up that if I cancel I would receive a refund of what is left in my account. They lie!! Stay away and don't bother with this company at all.

Atif, was a great help throughout this whole process, I really appreciate all the help and his knowledge he shared with me on understanding the process. Thank you, Doug

I am currently using them. They are not great find someone else. These reviews seem to be canned to start with. I had a starting amount for a 5 year payoff with a 6 month dip in my credit then credit would go up. Nope, first I had to pay 500 more a month now they are on another deal at 500 a month. how can I go from 1100 to 2100 which is more than I was paying. Sure without interest but still this is to make life affordable and it has not been that way. it is beyond sad and my anxiety over money is through the roof. I will end up now having to borrow from my retirement just to continue to get them to make this affordable. Also why if they are charging 25% fee can they not take it at the backend and why cant at 25% they lend out the money to pay off the creditors and just chage my my 5 year amount? I was schmmozed and lied too and will probably find a co debt company to take over what is remaining and get them taken care of outside of them so I Can get back on track. That or start paying my loans off again the old fasioned way.

IT'S A SCAM!!!! BE CAREFUL EVERYONE. They charge monthly fee which is nothing of course and to get you lowered into the program without telling you that they charge 25% off your enrollment settlement, so let's say you owe $10,000 in credit cards and they can settle with the creditors for $6,000, then they will charge you 25% off the original loan you owe which is $10,000 without telling you that upfront just to get you in. They will ask you not to pay the creditors which is terrible idea that will screw you big time and it will take way too long to recover and then these accounts will marked on your record as CHARGED OFF ACCOUNTS or COLLECTIONS which is terrible because that will be on your record for 10 years and none can remove it. So if you're trying to buy a car or house that might be reason for terrible high interest rate or getting denied. DON'T USE THEM THEY ARE A SCAM!!!!!

Absolutely terrible company to help you! Representatives are extremely pleasant. However, the procedures and fees are a complete scam. One of the debt amount I enrolled was just sent to a collection agency when Beyond Finance settled with them. I was not notified that the settlement was made with a collection agency so I agreed believing that the debt was settled at 50% off with the actual creditor. Once I learned of this, I withdrew from the program and decided that I will settle with my creditors on my own. After paying Beyond Finance over $700.00, Beyond Finance paid that collection agency $270.00 towards that settlement and they kept the rest of my money deposit towards their "Settlement Fee". Over 200% Settlement Fee? Really? Do not consider this company to help you because they will rob you!

Company is a predator the sales reps will tell you all you want to hear, they prey in your being desperate. I have fulfilled my 48 month term and was supposed to save close to $4000 I am on payment 50 now of the 48 yes you read that correctly, and they say I still owe for settlement fees. I was told by my sales rep that I would pay a total of 9600 on around 13k of debt now that I have these bonus payments that I am apparently obligated to make, because of some fine print, and when all is done I may save $900. I would never have done this program to save only 900 and that’s if they stop collecting. This is a predatory lender and they have unethical business practices