Beyond Finance
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pamela browning
Great customer experience!! Explained everything along the way and helped with was to never have to do this again!
6 months ago
Reply from Beyond Finance
Hey Pamela-
Thanks for the feedback! We want all of our clients to have a great experience with us. We’re happy that our Client Success team gave you the support you needed.
As always, you’re welcome to contact us any time at clientsuccess@beyondfinance.com or 800-282-7186.
- Client Success Team at Beyond Finance
Thanks for the feedback! We want all of our clients to have a great experience with us. We’re happy that our Client Success team gave you the support you needed.
As always, you’re welcome to contact us any time at clientsuccess@beyondfinance.com or 800-282-7186.
- Client Success Team at Beyond Finance
May. 23rd, 2024
Review Source
Jacqueline Carlyon
the rep was very friendly and helpful he explained everything so that I understood what I was doing and why
6 months ago
Reply from Beyond Finance
Hey Jacqueline,
Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.
—Client Success Team
Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.
—Client Success Team
May. 8th, 2024
Review Source
Brian Campbell
So far, positive experience! Everyone has been nice and polite and understanding of my financial situation!
6 months ago Edited May 6, 2024
Reply from Beyond Finance
Hey Brian,
Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.
—Client Success Team
Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.
—Client Success Team
May. 8th, 2024
Review Source
Dawn Herndon Sterling Heights, MI
The people at Beyond Finance are very pleasant, kind, & informational. They put my mind at ease during a very stressful period in my life.
9 months ago
Reply from Beyond Finance
Hi Dawn-
Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.
—Client Success Team at Beyond Finance
Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.
—Client Success Team at Beyond Finance
Feb. 13th, 2024
Review Source
cuddlypython@msn.com Prescott, AZ
Representatives have been so kind and encouraging! I feel empowered by Beyond Finance to get debt free and stay that way!
10 months ago
Reply from Beyond Finance
Hi there-
Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.
—Client Success Team at Beyond Finance
Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.
—Client Success Team at Beyond Finance
Jan. 18th, 2024
Review Source
Monique Allen District Heights, MD
The customer service representatives were very polite, informative, and took their time with explaining the program and usage of the app.
10 months ago
Reply from Beyond Finance
HI Monique-
We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!
—Client Success Team at Beyond Finance
We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!
—Client Success Team at Beyond Finance
Jan. 10th, 2024
Martha Merten Round Rock, TX
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.
1 year ago
Reply from Beyond Finance
Martha-
When you attempt to negotiate directly with creditors, generally you receive less savings and a lot less flexibility on repayment. In most cases, creditors want either a lump sum payment or want it paid in a much shorter time frame (3-6 months). Balancing multiple debts is incredibly difficult with these types of terms.
One of the most significant pieces of savings you’re receiving through your program avoiding the continually accruing interest associated with paying minimum payments to your creditors. If you can’t pay off your balances right away, you could be stuck paying thousands upon thousands more in interest and fees for decades, while our clients escape their debt in a matter of years.
If you decide to terminate your program early you are entitled to a refund of your balance minus any of our earned resolution fees. These fees are based on our team successfully securing you a reduced balance on the account and we work hard to secure you the best savings possible. If you decide to terminate your program early after already accepting a resolution offer, you are entitled to that offer and are still subject to that resolution fee.
—Client Success Team at Beyond Finance
When you attempt to negotiate directly with creditors, generally you receive less savings and a lot less flexibility on repayment. In most cases, creditors want either a lump sum payment or want it paid in a much shorter time frame (3-6 months). Balancing multiple debts is incredibly difficult with these types of terms.
One of the most significant pieces of savings you’re receiving through your program avoiding the continually accruing interest associated with paying minimum payments to your creditors. If you can’t pay off your balances right away, you could be stuck paying thousands upon thousands more in interest and fees for decades, while our clients escape their debt in a matter of years.
If you decide to terminate your program early you are entitled to a refund of your balance minus any of our earned resolution fees. These fees are based on our team successfully securing you a reduced balance on the account and we work hard to secure you the best savings possible. If you decide to terminate your program early after already accepting a resolution offer, you are entitled to that offer and are still subject to that resolution fee.
—Client Success Team at Beyond Finance
Nov. 20th, 2023
Douglas Syse Sun Prairie, WI
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
1 year ago
Reply from Beyond Finance
Hi Douglas-
Thanks for your lovely review! We’re so happy you had such a great experience with Atif. We put a lot of work into helping our clients move toward a brighter financial future with care and kindness, so we’ll be sure to pass your wonderful words on to them. Thanks for choosing Beyond Finance!
—Client Success Team at Beyond Finance
Thanks for your lovely review! We’re so happy you had such a great experience with Atif. We put a lot of work into helping our clients move toward a brighter financial future with care and kindness, so we’ll be sure to pass your wonderful words on to them. Thanks for choosing Beyond Finance!
—Client Success Team at Beyond Finance
Nov. 2nd, 2023
Review Source
Lynne Renna Kannapolis, NC
I was impressed with the caring and professionalism of everyone I interacted with to determine what would be our best option. I am satisfied with our decision.
1 year ago
Reply from Beyond Finance
Hi Lynne-
Thank you for the positive feedback! We are thrilled to hear about your positive experience with our team. We put a lot of work into helping our clients move toward a brighter financial future with care and kindness. Thanks for choosing Beyond Finance!
—Client Success Team at Beyond Finance
Thank you for the positive feedback! We are thrilled to hear about your positive experience with our team. We put a lot of work into helping our clients move toward a brighter financial future with care and kindness. Thanks for choosing Beyond Finance!
—Client Success Team at Beyond Finance
Oct. 24th, 2023
Adam Nolan Schenectady, NY
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.
1 year ago
Reply from Beyond Finance
Adam-
First of all, all of our reviews are based on the positive experiences that our clients have had with their programs. From day one of you signing up for your program we are open and honest about our process, timeline, and fees.
Our average client saves up to 25% on their debt through their program. This is not including compounding interest and additional fees you would still be paying. Some people could continue to pay for decades while we estimate your timeline to 2-4 years when signing up for your program.
Your payment structure is ultimately decided by you and what you are able to pay every month. Sometimes we might recommend an increase in your deposit amount to secure a certain resolution, but this is not required. If you decide to add additional funds you are speeding up your program but it is not required to be successful. Our team is here to help you decide what deposit schedule works right for you going forward.
We understand that your financial situation can get stressful but our team is here to help you. We have escalated your case to a member of our team and we will be reaching out shortly.
-Client Success Team at Beyond Finance
First of all, all of our reviews are based on the positive experiences that our clients have had with their programs. From day one of you signing up for your program we are open and honest about our process, timeline, and fees.
Our average client saves up to 25% on their debt through their program. This is not including compounding interest and additional fees you would still be paying. Some people could continue to pay for decades while we estimate your timeline to 2-4 years when signing up for your program.
Your payment structure is ultimately decided by you and what you are able to pay every month. Sometimes we might recommend an increase in your deposit amount to secure a certain resolution, but this is not required. If you decide to add additional funds you are speeding up your program but it is not required to be successful. Our team is here to help you decide what deposit schedule works right for you going forward.
We understand that your financial situation can get stressful but our team is here to help you. We have escalated your case to a member of our team and we will be reaching out shortly.
-Client Success Team at Beyond Finance
Oct. 5th, 2023
Mohamed Khalifa
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!!!!!
1 year ago
Reply from Beyond Finance
Mohamed-
We Refute any claims that we are scammers. We are an AADR accredited business that has helped over 300,000 consumers on their path to financial freedom and resolved over $3 billion in unsecured debt.
Upon enrollment, we are upfront with all of our clients about our process, timeline and fees. 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 a continuing cycle of making minimum payments.
We’re sorry to hear that there was some confusion around your Dedicated Account. Your Dedicated Account is managed by a third-party bank and does incur a monthly fee in addition to the initial account activation fee which cannot be refunded.
One of the benefits of our program is that once a resolution is reached, you make payments towards that resolution instead of one lump sum, allowing you to pay off your debt without accruing additional interest while simultaneously building up more money in your Dedicated Account to negotiate resolution on your other accounts.
To maintain our high standards for client service, we will be pulling your calls with our team for quality assurance.
-Client Success Team at Beyond Finance
We Refute any claims that we are scammers. We are an AADR accredited business that has helped over 300,000 consumers on their path to financial freedom and resolved over $3 billion in unsecured debt.
Upon enrollment, we are upfront with all of our clients about our process, timeline and fees. 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 a continuing cycle of making minimum payments.
We’re sorry to hear that there was some confusion around your Dedicated Account. Your Dedicated Account is managed by a third-party bank and does incur a monthly fee in addition to the initial account activation fee which cannot be refunded.
One of the benefits of our program is that once a resolution is reached, you make payments towards that resolution instead of one lump sum, allowing you to pay off your debt without accruing additional interest while simultaneously building up more money in your Dedicated Account to negotiate resolution on your other accounts.
To maintain our high standards for client service, we will be pulling your calls with our team for quality assurance.
-Client Success Team at Beyond Finance
Oct. 3rd, 2023
Becky Rodriguez Apopka, FL
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!
1 year ago
Reply from Beyond Finance
Becky-
We refute any claims that we are scammers. We are an AADR accredited business that has helped over 300,000 consumers on their path to financial freedom and resolved over $3 billion in unsecured debt. We pride ourselves on helping people resolve debt while following debt relief industry guidelines closely by not charging fees upfront, running a transparent business and advocating for consumer rights.
We never hide our fee structure from our clients. We charge a 25% success-based fee that we only collect once we have secured you a resolution, you have approved that resolution and made a payment towards that resolution.
We are sorry to hear that you no longer will be continuing your program. We wish you the best of luck on your journey to financial freedom.
-Client Success Team at Beyond Finance
We refute any claims that we are scammers. We are an AADR accredited business that has helped over 300,000 consumers on their path to financial freedom and resolved over $3 billion in unsecured debt. We pride ourselves on helping people resolve debt while following debt relief industry guidelines closely by not charging fees upfront, running a transparent business and advocating for consumer rights.
We never hide our fee structure from our clients. We charge a 25% success-based fee that we only collect once we have secured you a resolution, you have approved that resolution and made a payment towards that resolution.
We are sorry to hear that you no longer will be continuing your program. We wish you the best of luck on your journey to financial freedom.
-Client Success Team at Beyond Finance
Sep. 26th, 2023
Tim Kurkierewicz
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
1 year ago Edited September 5, 2023
Reply from Beyond Finance
Timothy-
First and foremost, we are not a lender. We refute any claims that we are scammers. We are an AFCC accredited business that has helped over 300,000 consumers on their path to financial freedom and resolved over $2 billion in unsecured debt. We pride ourselves on helping people resolve debt while following debt relief industry guidelines closely by not charging fees upfront, running a transparent business and advocating for consumer rights. You can see thousands of client testimonials across the BBB, Trustpilot, and Google.
Our goal is to get our clients out of debt as quickly as possible. Unfortunately, not all creditors approach settlements the same way and for this reason, program timeline estimates cannot be guaranteed.
We want our clients to be well informed from the day they enroll in our program. That is why we share our fee with you and we do not hide it. You should know that even with our fee we have a “No Worse Off” policy that states that by the time a client graduates, we’ll ensure that they didn’t pay more than they owed on their collective enrolled debts, including through our fees. It looks like we have saved you $2417 after fees.
Your situation has been escalated and is in review by our team. A senior member of our Client Success team will be reaching out to you very soon.
-Client Success Team at Beyond Finance
First and foremost, we are not a lender. We refute any claims that we are scammers. We are an AFCC accredited business that has helped over 300,000 consumers on their path to financial freedom and resolved over $2 billion in unsecured debt. We pride ourselves on helping people resolve debt while following debt relief industry guidelines closely by not charging fees upfront, running a transparent business and advocating for consumer rights. You can see thousands of client testimonials across the BBB, Trustpilot, and Google.
Our goal is to get our clients out of debt as quickly as possible. Unfortunately, not all creditors approach settlements the same way and for this reason, program timeline estimates cannot be guaranteed.
We want our clients to be well informed from the day they enroll in our program. That is why we share our fee with you and we do not hide it. You should know that even with our fee we have a “No Worse Off” policy that states that by the time a client graduates, we’ll ensure that they didn’t pay more than they owed on their collective enrolled debts, including through our fees. It looks like we have saved you $2417 after fees.
Your situation has been escalated and is in review by our team. A senior member of our Client Success team will be reaching out to you very soon.
-Client Success Team at Beyond Finance
Aug. 29th, 2023
tara belzer Charlotte, NC
Beyond finance gave me a settlement offer and will not abide by it. I’m well versed now in the ways of screwing people because of how well the last 4 years went with beyond finance. I accepted an offer on feb 4th 2023 to settle on my credit card. I know there are fees involved at the end of the settlement. I was very specific in asking when will I be done paying everything off….the settlement and the fees. I was told July. I asked a couple of times to make sure we were in the same page before agreeing to this settlement. I said my last payment fees and all…I’m done ?? in July and was told multiple times yes. So guess what? August a payment comes out. I called 5 times - scheduled a call - and no one called…was told that someone called me earlier- lied. I live by my phone. And I finally received a call by someone who told me that another manager listened to my call and said basically this conversation didn’t happen this way and I owe all these fees. I said I wouldn’t have accepted this offer knowing I was going to be paying into 2024 and I was super specific about my questions. I asked for a copy of my voice recording and was told no. They can say anything they want and even though you know the truth it doesn’t matter. They got me to commit to a settlement offer under false pretenses. Again, I was good with the fees and understood the shady process, but I was told something and I agreed to something that was a lie and no one cares.
Response:
I want everyone to notice my concern was not talked about. I know about the fees- I’ve said it multiple times…my concern was the lie to get me to commit to a settlement.
I was told an end date and it was wrong. They are not acknowledging the phone call and my questions and my agreeing to this agreement. It was a lie. False. The response says it all. I’ve called back and of course there is no one to talk to. The gave me the main line. Please read this. Read the response and make better choices. What they saved me was nothing - I could have done it my self but I made a bad decision. You don’t have to.
On google and Trustpilot you can see the response. Ridiculous
1 year ago
Reply from Beyond Finance
Tara-
As addressed in our responses on Trustpilot and Google, we will continue to support you along your process. Your case has already been escalated to a senior member of our team. We are also pulling all of your calls for quality assurance. We take your claims seriously and are here to support you along the way to financial freedom.
-Client Success Team at Beyond Finance
As addressed in our responses on Trustpilot and Google, we will continue to support you along your process. Your case has already been escalated to a senior member of our team. We are also pulling all of your calls for quality assurance. We take your claims seriously and are here to support you along the way to financial freedom.
-Client Success Team at Beyond Finance
Aug. 24th, 2023
Rebecca Victorville, CA
The Customer Service at Beyond Finance have been thorough, professional and kind in explaining their program to be and what to expect forthcoming. Thank you!
1 year ago
Reply from Beyond Finance
Hi Rebecca,
We’re so happy to hear about your positive experience with our team! We do our very best to ensure our clients are well-informed, cared for, and supported through the entire program, so we’ll make sure to pass your kind words on to them! We look forward to helping you resolve all of your enrolled debt.
—Client Success Team at Beyond Finance
We’re so happy to hear about your positive experience with our team! We do our very best to ensure our clients are well-informed, cared for, and supported through the entire program, so we’ll make sure to pass your kind words on to them! We look forward to helping you resolve all of your enrolled debt.
—Client Success Team at Beyond Finance
Jul. 7th, 2023
R Casey Ricci
Words cannot express how much better I feel now that I am in Beyond Finance’s hands.
I had a full nights sleep for the first time in months, I thank Walter for that.
1 year ago
Reply from Beyond Finance
Hi Casey!
Thanks for your lovely review! We’re so happy you had such a great experience with Walter. We put a lot of work into helping our clients move toward a brighter financial future with care and kindness, so we’ll be sure to pass your wonderful words on to them. Thanks for choosing Beyond Finance!
—Client Success Team at Beyond Finance
Thanks for your lovely review! We’re so happy you had such a great experience with Walter. We put a lot of work into helping our clients move toward a brighter financial future with care and kindness, so we’ll be sure to pass your wonderful words on to them. Thanks for choosing Beyond Finance!
—Client Success Team at Beyond Finance
Jul. 7th, 2023
Jay Tom Glendale, AZ
When i assigned up with BeyondFinance i was leary. THe personnel were all professional and answer all my question. Made me feel at ease. Thank you very much
1 year ago
Reply from Beyond Finance
Hey Jay—
Your cautiousness is so normal, and ultimately, very smart! You definitely want to get all the answers you need when figuring out how to tackle your debt. But we’re so glad our team helped to earn your trust and we’re honored to be able to help you on the path to financial freedom.
Please know that we’ll continue to be here if you ever have questions, concerns, or need some flexibility with your program. Reach out any time at clientsuccess@beyondfinance.com or 800-282-7186.
We look forward to seeing you graduate from your program!
Client Success Team at Beyond Finance
Your cautiousness is so normal, and ultimately, very smart! You definitely want to get all the answers you need when figuring out how to tackle your debt. But we’re so glad our team helped to earn your trust and we’re honored to be able to help you on the path to financial freedom.
Please know that we’ll continue to be here if you ever have questions, concerns, or need some flexibility with your program. Reach out any time at clientsuccess@beyondfinance.com or 800-282-7186.
We look forward to seeing you graduate from your program!
Client Success Team at Beyond Finance
May. 30th, 2023
Andyjoey Anchorage, AK
Daniela was very informative, she made the experience comfortable. She was good at explaining everything to me. I feel like this is a step to financial freedom.
1 year ago
Reply from Beyond Finance
Hi Andy—
We’re happy that you had such a great experience with Daniela! Client support is top of mind for us, so knowing you felt so cared for during your call is terrific to hear. We’ll be sure to pass your kind words on to her and we’ll continue to be here for you if you ever need any more support!
—Client Success Team at Beyond Finance
We’re happy that you had such a great experience with Daniela! Client support is top of mind for us, so knowing you felt so cared for during your call is terrific to hear. We’ll be sure to pass your kind words on to her and we’ll continue to be here for you if you ever need any more support!
—Client Success Team at Beyond Finance
May. 26th, 2023
Review Source
Judy Pasternak Hanover, PA
So far it’s been great and a great relief of stress lifted off my shoulders! Thanks for everything you have done so far to help in the debt relief problem
1 year ago
Reply from Beyond Finance
Judy—
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.
Client Success Team at Beyond Finance
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.
Client Success Team at Beyond Finance
May. 5th, 2023
Kyung Park San Diego, CA
DO NOT USE BEYOND FINANCE. THESE OTHER REVIEWS ARE FAKE. Beyond Finance charges you so much in hidden fees that you end up paying more than what you owe creditors; A LOT more. When you demand an explanation, they just give yo the run around and never resolve. You are so much better off paying the creditor directly or filing for bankruptcy. They constantly just look for ways to charge you extra hidden fees and add 6-12 months of more payments beyond what you owe intentionally tricking you. Also, if you sign up for their program, you will wreck your credit no matter what and still expect to get sued. Beyond Finance is BEYOND THE WORST debt settlement program.
1 year ago
Reply from Beyond Finance
Kyung—
First of all, we refute the claim that our reviews are anything but reflections of real people’s experiences of our program.
Secondly, we absolutely NEVER charge hidden fees. The one and only fee we collect is a flat performance-based fee on each enrolled debt once we successfully reach settlements for our clients. The average settlement offer we reach for our clients is 50% and we collect a 25% fee, so they’re generally paying about 75% of what they owe. We are happy to walk you through each of the fees you paid so you understand where your funds went.
And while we give people an estimate of how long their programs will take, this is not a guarantee. While most clients see an initial impact to their credit score, the vast majority of clients report a completely recovered FICO score by the time they graduate the program.
—Client Success Team at Beyond Finance
First of all, we refute the claim that our reviews are anything but reflections of real people’s experiences of our program.
Secondly, we absolutely NEVER charge hidden fees. The one and only fee we collect is a flat performance-based fee on each enrolled debt once we successfully reach settlements for our clients. The average settlement offer we reach for our clients is 50% and we collect a 25% fee, so they’re generally paying about 75% of what they owe. We are happy to walk you through each of the fees you paid so you understand where your funds went.
And while we give people an estimate of how long their programs will take, this is not a guarantee. While most clients see an initial impact to their credit score, the vast majority of clients report a completely recovered FICO score by the time they graduate the program.
—Client Success Team at Beyond Finance
Apr. 26th, 2023
Review Source
Connie Jeffus Grapevine, TX
Representative was very helpful with my situation and gave me hope that I could could
complete my goals by staying with this program.
The experience to enroll was easy.
1 year ago
Reply from Beyond Finance
Hi Connie—
Your good feedback means so much to us. Our goal is always to help clients to feel comfortable with their program and how it works before we begin. Now that you’ve enrolled, we can start facilitating resolutions with your creditors so that you can live a better, debt-free life! We’re happy to be on this journey with you.
Thanks for choosing Beyond Finance.
- Client Success Team
Your good feedback means so much to us. Our goal is always to help clients to feel comfortable with their program and how it works before we begin. Now that you’ve enrolled, we can start facilitating resolutions with your creditors so that you can live a better, debt-free life! We’re happy to be on this journey with you.
Thanks for choosing Beyond Finance.
- Client Success Team
Apr. 5th, 2023
Jay Viera Dallas, TX
DO NOT USE THIS COMPANY! I have been working with them for over a year. They will take your money and make all these promises that they are unable to keep. I was told that within a few months if I continue to make payments online, I would be able to join the accelerator program to graduate a lot earlier. Well I was offered a loan where I had to pay DOUBLE THE AMOUNT of my dedicated account funds monthly to enter the program, which makes no sense since the reason why I'm in the program is because I CAN'T AFFORD TO MAKE PAYMENTS. Also, I now have creditors suing me and I'm afraid that my wages and property will be garnished. Also, my credit is TRASH. I was better off making a minimum payment than entering this program. These people are taking advantage of people who are desperate for help. I broke down today because I was served papers in front of my child and when I called to get advice, I was told to send the documents to their team, but I will have to handle the lawsuit because they don't have legal representation. I'M SO PISSED. Now I'm stuck with bad credit, outstanding credit card debt due to high-interest fees and lawsuits.
1 year ago
Reply from Beyond Finance
We appreciate your review, Jay.
We are sorry to hear that our program was not the right fit for you. We’re sad to see
you go, but wish you the best of luck in moving beyond debt.
Client Success Team at Beyond Finance
We are sorry to hear that our program was not the right fit for you. We’re sad to see
you go, but wish you the best of luck in moving beyond debt.
Client Success Team at Beyond Finance
Apr. 26th, 2023
Morris Stockton, CA
I just started my journey with this credit. Consolidation company so 3 stars at the beginning. I still have a long ways to go hopefully. They'll be able to get me back to where I need to be far as my finances speaking with the representatives. They were very nice well. Of course stay tuned and will see what happens.
1 year ago
Reply from Beyond Finance
Welcome to the program, Morris!
Thanks for taking the time to review us! We know that having debt can be stressful, but we’re excited to help you take your first steps toward 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
Thanks for taking the time to review us! We know that having debt can be stressful, but we’re excited to help you take your first steps toward 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
Mar. 15th, 2023
Review Source
Tish Jolley Anniston, AL
Beyond was very easy to deal with, and I have told all my friends about this company, I can't wait to have all my bills paid in full, Thanks Tish J from Alabama
1 year ago
Reply from Beyond Finance
Hi Tish,
Thanks for the great feedback! We are glad to hear that our program is working for you and we can't wait to see you move beyond debt.
Thanks,
Client Success Team at Beyond Finance
Thanks for the great feedback! We are glad to hear that our program is working for you and we can't wait to see you move beyond debt.
Thanks,
Client Success Team at Beyond Finance
Feb. 17th, 2023
Review Source
LINDA EINHOLZ Houma, LA
The company was very courteous and polite explaining everything in detail that I needed to know about this program that I was coming into For my Debt Settlement.
2 years ago
Reply from Beyond Finance
Hi Linda—
Your great feedback means so much to us. Our goal is always to help clients to feel comfortable with their programs and how it works before we begin. Now that you’ve enrolled, we can start facilitating resolutions with your creditors so that you can live a better, debt-free life! We’re happy to be on this journey with you.
Thanks for choosing Beyond Finance.
- Client Success Team
Your great feedback means so much to us. Our goal is always to help clients to feel comfortable with their programs and how it works before we begin. Now that you’ve enrolled, we can start facilitating resolutions with your creditors so that you can live a better, debt-free life! We’re happy to be on this journey with you.
Thanks for choosing Beyond Finance.
- Client Success Team
Dec. 1st, 2022
Miranda Snow Oceanside, CA
I am so beyond frustrated with this company.
I was seeking options that were not bankruptcy and came across Beyond.
I feel as though it has turned into, if it’s too good to be true, it probably is.
When I first started the program, accounts were being settled fairly quickly and I could start to see the light at the end of the tunnel on paying off debt as I am trying to put this behind me so that I can move forward with life. Last week I was under the impression that I was ready to graduate early as I gave this company every cent needed to pay off my remaining accounts and get my last account into settlement. I received a notification of my final account being settled, then with no communication whatsoever, apparently the creditor cancelled the settlement and this was not communicated to me at all by Beyond. I am so incredibly disappointed in the lack of communication from this company regarding my account and when IMPORTANT things like these happen. I honestly think that they are dragging their feet on settling this last account as a way to continue collecting money from me and NOT get me out of debt.
Whenever I call to express my frustration I am met with canned answers and nothing being escalated up to proper parties. I could go on and on about the other disappointments this company has delivered but this could be an even lengthier review. All I want is to graduate and be done with this nightmare. It started out pleasant and now it has left me with such a sour taste in my mouth and NO ONE is willing to help me.
If I had known them, what I know now, I would not recommend Beyond Finance to anyone.
Signed, a crushed and defeated customer.
2 years ago
Reply from Beyond Finance
Thank you for the feedback, Miranda. 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
- Client Success Team
Oct. 20th, 2022
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.
2 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
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
Review Source
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.
2 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
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
Review Source
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.
2 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
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
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.
2 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
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
Review Source
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
2 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
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
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.
2 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
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
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.
2 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
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
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!
2 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
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
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.
2 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
- Client Success Team
Aug. 12th, 2022
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.
2 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
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
Review Source
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.
2 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
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
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.
2 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
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
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.
2 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
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
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.
2 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
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
Review Source
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
2 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
- Client Success Team
Jul. 8th, 2022
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.
2 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
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
Review Source
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.
2 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
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
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.
2 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
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
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.
2 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
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
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.
2 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
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
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.
2 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
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
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.
2 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
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
Review Source
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.
2 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
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
Review Source
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.
2 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
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
