Beyond Finance

The staff is wonderful. This is probably the first time I’ve ever felt great working with this company.

The customer service The agent The ladies that call back The patients and respect Explaining everything

Richard H. was amazing and because of him and how he explained everything I’m now part of Beyond Finance.

everyone we spoke with was very helpful and respectful. Will definitely refer someone to your company

Very knowledgeable and caring people and help with a friendly conversation and made the questions easy and comfortable to answer

The representative (Jonna) was very nice, explained everything to me about the process, app and was genuinely interested in helping me.

The representative was very helpful and took time to explain everything that was going to happen for the next few months.

So far I am at the beginning stage and there has been a lot of information given to me along with follow up calls and emails

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

Very thorough and kind to my situation. I liked how detailed and helpful Cam was throughout this process. Definitely a relief.

The process was great the agents where polite and friendly answered all concerns about how the program would and took no time to start

A huge sigh of relief needs more than just a thank you. I am not alone in saying I felt like I couldn’t breathe with the economy rising with no good changes in sight.

Knowledgeable easy to work with they understood my case they were compassionate and helped me through the whole process and prepared me for what would come next

I liked that the rep was professional and courteous. They explained things well. Although there were a lot to cover they gave me an opportunity to call and review things I don’t understand

I dislike how I asked what was the interest rate and the woman told me there wasn’t one. There clearly was and it’s included in the biweekly pay but I wanted the numbers up front and she wasn’t telling the truth. Either way very friendly company. I am still a client.

This company is NOT A GOOD COMPANY This company is NOT A GOOD COMPANY. DO NO TGO THROUGH THEM. They use wording to confuse you all the while they DID NOT, I REPEAT DID NOT contact all of your creditors right away. I paid them on time, and all of my creditors dinged me for non-payment. This company waits to send out any funds and then claims the creditor only wants a minimum amount for months. I paid $595 to Beyond and that amount should have been divided up between all the creditors including their fee. Nope, that's not what happened. I arranged to get them paid off and made all the call to stop the last payment to pay them off. They put me on hold for at least 3 minutes and claimed that the payment was stopped. They DID NOT put any of that in the notes and drew the payment anyway. They DO NOT USE GOOD BUSINESS PRACTISED. Example: When requesting a statement, they send a screen shot claiming that they do not have the means to do statements. When requesting a payoff letter, they claim that they do not have a way of writing one and sent another screen shot. After getting an amount of pay off and they claim that there are no monthly charges, the number of payments left to pay DID NOT MATCH HOW LONG I ACTUALLY SHOULD HAVE. It would take 6 months longer than by calculating the amount and how many months came to. It is worth a small loan cost to get out from under these people. I will make sure my bank blocks any chances of them drawing any further moneys.

RUN….This company is definitely out for their own profit! I enrolled over 18 months and only 3 small accounts have been paid and that’s with me calling and giving them more money. I really wished I would have just settled on my own and that exactly what I did. This being after I paid them over 4,000 dollars in fees! This place is legal fraud. Also, if you receive any judgements against you they don’t let you know because you sign over the right for beyond finance to get all the letters! Awful system and worst regret! Do it yourself you will save yourself headache, credit and money. You might even save your credit.

Beyond Finance is extremely slow with settling out accounts. I think their negotiation team needs help . When I first signed up for the program, they failed to tell me they did not check all three credit reports as I was told this over the phone with the customer service rep. They only check one. One of my accounts was missed now I have to go to court for this one because they won’t handle the account because it was missed and when they missed something, they blame it on you! After all you go to them for the help and the assistance are supposed to be good so I was told. I’ve had to go to court three times already. My experience definitely has not been great and I don’t wanna take responsibility for what they know they did.. I also had to go to court and negotiate one of my own accounts and they took like $1800 out of my account for their fees for something they didn’t do. This has been my experience.

This company is horrible. I joined their program over a year ago to try to get out of debt. My credit score was falling because my credit was maxed out. My payment history was perfect. I had never missed a payment with my creditors. The interest rates we killing me. After joining the program, I was instructed to stop all payments to my creditors. I agreed with much hesitation. After a year and over $5000 in payments into this program, only 5 of 7 accounts were considered working in the program. 1 account was paid off, the other 4 of the 5 were set up on payment plans. The remaining 2 accts were unresolved. 2 wks ago, I was served court paperwork. I am now being sued by the 2 unresolved creditors. They offered a payment plan but want it paid in a time frame I now cannot budget. Of over $5k in payments, less than $1k has been paid out to creditors. BF has used the remaining money for their fees. Because of their failure to handle my accounts properly and extremely misleading program, I now feel bankruptcy is my only recourse. This company is predatory and in my opinion should be shut down. With all of the money paid to them for their fees, nothing has been resolved and I am in a far worse position financially. I could have used that money to make my own restructure plan with my creditors. DO NOT USE BEYOND FINANCE!

I would not recommend I started with Beyond about a little over a year ago. At the time I had 5 different debt areas totaling around $25,000. There were 2 large accounts with the majority of the debt, 3 others that had a total of about $3,000. They told me that the deal was I would pay $159 every 2 weeks for 4 years and it would be cleared. At the time of the consultation, I specifically asked about a few things: 1) my credit score was around 720 at the time, how much would this affect it and for how long? 2) Is that going to be enough of a monthly payment? Should I increase to cover the costs so its faster for the negotiations? 3) should I just not include the smaller accounts and pay those off? They told me with great confidence that: - I should absolutely keep every debt account on here. There is absolutely no reason to do hold anything back. - That increasing my payment wouldn't help because it only takes more money out of my pocket monthly and doing this payment plan would work great. -That I shouldn't even need to contact them as long as I stayed on my payment course. - That your credit score WILL take a small short term hit, but all of their customers report back that they see it go "higher than it was before" within a year. Now if we fast forward 20 months later. My credit score is 520, i can't rent a home. This happened because there were SO many delinquent payments from the first 3 smaller accounts that is sent my score down and is not climbing. Then I got a call that the bank is taking legal action and I need to come up with 10,000 in 3 months. OR I can just increase my bi-weekly payment from 159 to 659 dollars ($1400 per month) They mislead me on everything they said. I am sure that if you have a single credit line with a certain amount of debt, this company can help you get a lower rate. If you actually need a debt solution that doesn't involve years of Credit issues and the banks still coming after you in court, I would not go with them. P.S. this exact same thing happened to my fiance and now our household is under larger payments than we had before the program.

Absolutely terrible experience and borderline fraudulent. I was told to steop contact with all collection agencies for months as Beyond Finance would then start to go to work on my debt resolution. I started to notice barely any progress that they were making with my numerous debts. Then they started reaching out to me stating that they could not move forward without extended documentation and notarized letters despite going through a two and a half hour onboarding call, uploading all of my documentation. Now, they are demanding that I contact all of these businesses that they originally told me to ignore, with the impossible task of asking them to give me extended documentation when I am now beyond delinquent with the accounts. Customer service stopped responding and I was unable to get adequate help and have had my concerns dismissed. This company is fraudulent with their approach and promises to customers. Don't be fooled by them when they settle one or two very outdated and easy to resolve accounts. They will continue to take large chunks of money out of your bank and account and all progress on your debt resolution will slow to a crawl/stop. They have had 2K of my money for my "enrolled debt" that they are supposed to apply to debt resolutions which has been sitting in their pockets for almost a year now and they have still been trying to withdraw money out of my bank account on a bi-weekly basis.

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.