Beyond Finance

Great experience so far. Looking forward to this Financial lifestyle change. They helped me log into the app. Made sure I had a clear understanding of everything. Great customer service.

I Reached out to this program following up from a previous program that I was on the was too costly for me . the fees for Beyond Finance are so much better than other companies. And the process are nearly half of the time and cost I will be very appreciative of this process with Beyond Finance and recommended to others

I was given the wrong information regarding the settlement process. I was told the two loans I wanted to settle wouldn’t effect my credit. I have a great credit score and explained I wouldn’t be interested if the settlement would effect my credit score. The agent reassured me that the creditors would be contacted and the creditors wouldn’t charge any late fees or interest fees whiled the process was being negotiated. I signed All paperwork regarding the settlement to be told after the fact that no negotiation would be done until accounts were 120 to 190 days delinquent. I then explained to the agent who was setting up the financial statement that I was misinformed and to cancel the agreement.

I’m still thankful for the assistance given for settling my debt. However, my accounts have all been paid and I still have over $2000 in my account two months after my final payment. My account is still open with monthly fees still coming out. Ive been checking in daily and given multiple timelines and stories. I’m currently paying Above for the graduation loan that was to close this account. Beyond is still holding the overage that I am making payments on. All I’ve been given is double talk with zero answers. I was told it would be resolved within 60 days, then on Monday I was told it was escalated. On Wednesday I was told 3-5 days from Monday. On Thursday, I was told 7-10 days from some unknown date that the representative wouldn’t disclose. Today I was told to call and speak to a manager. No manager came on the phone. I was told that an email would be sent to a manager and would be responded to within 72 hours! Ive had to contact the BBB as I feel at this point I am getting played for more money.

I was in need of help, I contacted them and then I didn’t have worry about a thing. They jumped right in started their Process I felt very comfortable that I would be taken care of Thanks

I've been working with them for about 3 years now. I was hoping they'd settle my debt for a atleast a bit less then my balance but most of my settlements have been way more than the actual balance. At that point, I feel like I should have just paid the creditors directly now that I have the ability to do so. Theyre pleasant to work with but theyre costing me more money.

Actually just called to get information about the program they were very respectful and went in detail by detail and lowered my payment so much that I signed up the same day best choice I ever made

While Beyond Finance was easy to work with initially my husband was served court documents where a creditor filed in court. We paid extra for legal and they never responded to the court filing , and we never received a court date so the creditor received a default judgment. After two years of on time payments we qualified for a consolidated loan to pay everything off, which we did leaving $2200 in our account with Beyond Finance. It has now been almost 2 months and they will not give me my remaining funds, even though everything has been settled. I have been calling 1-3 times a week since February 23rd and they keep giving me excuses as to why their graduation department will not graduate me from the program.

So far I'm happy!! Hoping this is going to be the right choice . Getting myself out of debt with the help from the staff here is what I need. Will wright another review once things get rolling !!

I signed up with Beyond Finance due to their good rating with the Better Business Bureau. Their fees are 25% of the original debt, so if they resolve an account for 50% of the original debt, their fees reduce the savings by half. That is, if you have an account balance of $10,000 and they settle it for $5,000 they claim they saved you $5,000. However, you have to pay them 25% of the original debt. Twenty-five % of $10,000 is $2,500. You wind up paying $7,500 as opposed to the $5,000. If you are paying a 20% interest rate, the savings will be increased by the reduction in interest payments. In my situation, I found the only real benefit was that I no longer had to deal with threats and harassment from the less ethical credit card companies.

Very friendly and informative throughout the process

Explain everything well, very helpful, happy with my choice

Great customer service and rates i could afford!

Incredible customer service and easy to complete paperwork.

Very helpfully very understanding very patient

Friendly and easy to work with regarding my goals

It’s really disappointing when companies misuse applicant information for purposes unrelated to hiring, like attempting to collect on outdated debts that are no longer legally owed. It raises serious ethical concerns about their business practices and how they treat both applicants and employees. Reading through Glassdoor reviews, it’s clear that many people have had similar negative experiences. Transparency and integrity should be the foundation of any reputable company, and unfortunately, not all businesses uphold those standards.

The representative was very helpful, patient, and knowledgeable about the company and how they would be able to help me get back on track with my finances.

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

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

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

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

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

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

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

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

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

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