Beyond Finance

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.

Before I was worried how to pay each of my monthly credit card payment now I only worried one payment each month and low payment . I'm so thankful I found beyond finance. Thank you so much😇

Great experience. They made me feel like there was hope, and that I wasn't alone. Very professional and courteous. I would recommend to anyone drowning in debt. Thank you Beyond!

i haven't been with you very long, but so far i'm very pleased with everything.the people are very nice, so pleasent to talk with.They get right on things and get the job going.As i said i haven't been with them long but i don' forsee any problems.

Unbelievable great, thank you so much, amazing staff

Beyond Finance’s staff are very professional, courteous, and understanding. They provide excellent reference material and promptly provided “next step” information. Knowing that my Beyond Finance Rep received the same services convinced me that I was with the right company.

I was nervous about doing this but, Albert answered all my questions in a very profesional manor and made me feel comfortable. I'm glad I reached out to your company for help & glad I'm on the road to getting my life back in order!

Excellent service by Austin, but this 81-year-old's son was concerned and wanted to review your offer to consolidate to be sure this is the correct way to reduce monthly payments and balances owed. If he approves, I will re-start the process.

Excellent customer service and wanted to thank Casey R for her assistance and for walking me through the process. Casey is amazing, helpful and knowledgeable of the system. Her excellent customer service has convinced me to sign up.

I have been very hesitant about signing up for this my credit score was over 700 just a short time ago and was not keeping my head above water for much longer Steve was very helpful in helping me make this decision so thank you and looking forward to being debt free of credit cards very shortly

I'm new to the program and had several questions, the reps I spoke with answered my questions satisfactorily. I'm still skeptical but trying to stay positive that I won't have a problem with any of my creditors and actually have a debt free ending. I've done debt consolidation loans in the past so this debt relief is new to me.

Ms. Merriwether L was very helpful and explained everything to me. At first I was very skeptical about signing up for debt relief. As she continued to explain the program I became comfortable with the process. I am hoping your company can help me get out of debt quickly. There are so many scammers around. Thank you for wanting to help me.

Customer service is excellent! The agent I’m assigned to is a great help (Brittney)as I’m going through the first step on this journey. Brittney answered my questions and explained everything step by step for me. I choice this company because of the outstanding customer service of Brittney and will be there to reach out to.

I’m so satisfied with the service Beyond finance provided..They were able to guide me through the process in detail. Their customer service is the best I have encountered.. They have made my life soo much better since I signed up with them . I would recommend them to everyone who’s struggling with debt.

My agent, Katrinka M (Accredited Debt Relief), was extremely helpful, knowledgeable, personable, and efficient. She clearly described the program and its benefits, and she provided clear answers to my questions regarding every step of establishing my debt relief account with Beyond Finance.

Agent develops a great raport with client. He explains things in understandable terms and if you don't understand, he very patiently explains again. He wants you to understand completely. He is empathetic to the client situation, lets you know that he is on your side and will do whatever he is able to make the situation work for you.

Going over the program step by step explaining and asking questions making sure I understood each part with patient which gave me relief of not being taken advantage of or hacked is how I felt in the beginning as time went on I was excited and ready to sign up big thanks to Allen S and Accredited Debt Relief team

I’m so happy to have taken the first step in reaching out to you for help & helping me take back control of my financial situation that I was drowning in. I know Little by little with your help I’ll be eliminating those debts. I am forever grateful 👍👍. Thank You All so very much.

I have been a client of beyond financial for several months. My experience with beyond has been awesome... very accommodating...very friendly....very patient...they don't rush you... they go out of there way to accommodate you... I'm happy that I picked this company for my debt consolidation

Very friendly , informative , they understand your situation and do not judge you. Professional , and courteous, I found it easy to talk to them about my situation , and they give good advice . After starting my journey with Beyond , I have a feeling of relief . That everything is going to be OK !

I transferred my debt from National Debt Relief to Beyond Finance. Customer service was amazing, the dashboard was accurate and explainable. The payments were reasonable. Within months later, I was offered a graduation loan for making timely payments, I def recommend it