Beyond Finance
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Frank T Santa Paula, CA
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.
1 year ago
Reply from Beyond Finance
Hi Frank,
Core to our program is making sure that all of our clients fully understand how our debt relief program works—we regret that we missed that mark with you.
It's worth noting that we walk clients through their program fees at enrollment and our program fees are factored into client deposits. We'd also like to note that one of the benefits of our program is that even with those fees, working with us can be much less expensive than continuing to pay your creditors. We are ultimately glad to hear that our program is saving you the trouble of dealing with your creditors and saving you money, too.
If you have any additional questions about your program or fees, give us a call at 800-282-7186 or email [email protected]
Client Success Team at Beyond Finance
Apr. 20th, 2022
Review Source
Mikel-Ryan Reyes Dallas, TX
Very helpful and easy process, friendly customer service
2 months ago
Reply from Beyond Finance
Hi Mikel-Ryan Reyes,
Thanks for the great feedback, and congratulations on moving beyond debt! We are glad to hear that our program is working for you. People seeing real results is what it’s all about.
Thanks,
Client Success Team at Beyond Finance
Jan. 30th, 2023
Review Source
Sandy Owens Valparaiso, IN
Personal communication with kindness and heart. Professional and efficient.
3 months ago
Reply from Beyond Finance
Thanks for the great feedback, Sandy, and congratulations on moving beyond debt! We are glad to hear that you're having a wonderful experience with our Client Success Team.
Thanks,
Client Success Team at Beyond Finance
Jan. 4th, 2023
Phillip Chavis Washington, DC
Everything was explained very well! And didn’t feel pressured at all.
3 months ago
Reply from Beyond Finance
Hey Phillip—
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
Jan. 4th, 2023
Michael Watson Birmingham, AL
This company is the worst of the worst. They have taken $6200 from me in one year and of that 2600 paid to creditors the rest are for fees that they take. I would not use them again if i was paid to.
4 months ago
Reply from Beyond Finance
Michael, we appreciate your feedback.
Core to our program is ensuring that all of our clients fully understand how our debt relief program works—we regret that we missed the mark with you.
It's worth noting that we walk clients through their program fees at enrollment and our program fees are factored into client deposits. However, we cannot, and do not, collect our resolution fees until we have successfully resolved with a creditor, you’ve approved that resolution and you’ve made a payment to that creditor. One of the benefits of our program is that even with our fees included, working with us can be much less expensive than continuing to pay your creditors directly (due to their interest rates and additional fees).
We are sorry that our program has not lived up to your expectations but we would love to continue working with you. Please reach out to us at 800-282-7186 or [email protected] so that our Client Success team can address your concerns and forge a path forward for your program.
- Client Success Team at Beyond Finance
Dec. 1st, 2022
William David Bender Jacksonville, FL
They were easy to work with and it appears that this was the answer I was looking for.
5 months ago
Reply from Beyond Finance
Hi William,
Thanks for the great feedback, and congratulations on moving beyond debt! We are glad to hear that our program is working for you.
During your program, keep track of your progress by viewing your program online [https://www.beyondfinance.com/] or by contacting us with questions at [email protected] or 800-282-7186. We’re here to help.
Thanks,
- Client Success Team at Beyond Finance
Nov. 4th, 2022
John Martin San Jacinto, CA
So far so good just started, they layed out what to expect and steps that will be taken
5 months ago
Reply from Beyond Finance
Thanks for leaving us a review, John!
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 [email protected] or 800-282-7186. Thanks for choosing Beyond Finance!
- Client Success Team
Oct. 19th, 2022
Review Source
Geri Greco Knoxville, TN
The professionalism of the staff.
The care and concern you feel when they are informing you of their business.
7 months ago
Reply from Beyond Finance
Hi Geri!
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 [email protected] or 800-282-7186. Thanks for choosing Beyond Finance!
- Client Success Team
Sep. 14th, 2022
Chase Wilson Murfreesboro, TN
This company is not trustworthy at all. This company preys on people that need help. They don’t help. Then when you cancel with them, they take the remaining funds from your “dedicated account” with them and call it a “settlement fee”.
7 months ago
Reply from Beyond Finance
We appreciate your review, Chase.
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.
The money clients deposit into their Dedicated Accounts belongs to them and remains entirely under their control for the duration of their program participation. You are entitled to the return of any money you accumulated less any fees earned by Beyond Finance.
In the meantime, do not hesitate to reach out to us with any other questions or concerns you may have (phone: 800-282-7186 / email: [email protected]).
- Client Success Team at Beyond Finance
Aug. 10th, 2022
Review Source
Sue Earnshaw Sun City, AZ
Everyone I spoke to was very kind, caring and understanding. They explained everything in total detail.
8 months ago
Reply from Beyond Finance
Hi Sue,
Thanks for leaving us such a great review! We’re glad to hear that our client service is living up to your expectations so far.
As always, you’re welcome to contact us at [email protected] or 800-282-7186. Thanks for choosing Beyond Finance!
- Client Success Team at Beyond Finance
Jul. 27th, 2022
Clariann Morales Tampa, FL
Very helpful and very informative. Answered all my questions and I'm very happy with my decision on choosing Beyond to help with my cc debt.
8 months ago
Reply from Beyond Finance
Clariann —
The fact that you had such a great experience with our team is music to our ears! It’s vital to us that our team is able to be there for you in a way that makes you feel comfortable, supported and fully informed. Thanks for letting us know that we’re on the right track!
Client Success Team at Beyond Finance
Jul. 20th, 2022
JOEL A. BUSBY Pomona, NY
No , BEYOND FINANCE IS NOT A GOOD COMPANY , HERE IS WHY.
I WAS OFFERED A , WHAT IS CALLED A GRADUATION LOAN, AND I WILL BE CHARGED A TOTAL OF $3398.52 FEE ( GOING TO BEYOND FINANCE) FROM A TOTAL LOANOF $17,565.31 OF WHICH
FINANCE CHARGE OF 11,004.75 ON A LOAN OF 16,687.04
THE INTEREST IS CRAZY 21.89 %
TOTAL EXPECTED TO REPAY THE LOAN IS $11,004.75 PLUS $16,687.04 $27,691.79
Amazing !! I GUESS YOU CALL THAT WHAT ???
LENDER
CROSS RIVER BANK
FORT LEE NEW JERSEY 07024
9 months ago
Reply from Beyond Finance
Hi Joel,
We appreciate your feedback. A member of our team has reached out to address your concerns. We're glad they were able to review your program with you and we hope they were able to help.
If you have any additional questions, please reach out to us at [email protected] or 800-282-7186.
- Client Success Team at Beyond Finance
Jul. 8th, 2022
Review Source
Allison Herod Katy, TX
Excellent customer service, very knowledgeable and attentive to my needs. Will to share information needs so I can better understand the process.
9 months ago
Reply from Beyond Finance
Thank you for sharing your feedback, Allison! We are so happy to hear that you’re having a good experience with our client service so far. It's great that you found our team knowledgable and helpful!
We’re here to support you. Remember that you can reach out to us with any questions or concerns at [email protected] or 800-282-7186.
- Client Success Team at Beyond Finance
Jun. 28th, 2022
Review Source
mark phinney League City, TX
Ariel M was great she explained everything to me in layman's term and was so friendly and professional I'm so ready to move on with this
9 months ago
Reply from Beyond Finance
Hi Mark,
Thanks for the feedback! We want all of our clients to have a great experience with our program—we’re happy that our representative Ariel was able to explain our program to you and fully prepare you to begin your debt resolution journey.
As always, you’re welcome to contact us any time at [email protected] or 800-282-7186.
- Client Success Team at Beyond Finance
Jun. 29th, 2022
Dalton Seybold Sterling, CO
I wish I could give them zero stars. I paid 19 payments of 200+ dollars. They were taking too long as I seen the balance wasn't changing to pay off my lenders. I called to cancel it and I should've recieved over $4,000 back and they only gave me $1,374 back and claimed the other money was used for "Settlement fees and other B.S." Thr company is nothing but a thief, never use them.
9 months ago
Jerri Austin, TX
I've been paying Beyond Finance every 2 weeks for over a year now and not even 1/3 of my 13 accounts have been "settled." My credit rating has completely tanked with no movement upward at all. They've contacted me about the loan option three times and rejected my application three times due to too many delinquencies. BECAUSE THEY TOLD ME TO STOP PAYING MY ACCOUNTS. I've contacted my bank to stop payment on Beyond Finance. They have not helped me at all. I would have been better off working with my creditors BY MYSELF.
10 months ago
Reply from Beyond Finance
We appreciate your feedback, Jerri! We strive for transparency about our program and process with each one of our clients and we are sorry to hear that the program is not living up to your expectations so far.
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.
For questions about your program’s progress, contact our Client Success team at [email protected] or 800-282-7186. We’d be glad to walk you through where we’re at in the process and what you can expect next.
- Client Success Team at Beyond Finance
Jun. 17th, 2022
Review Source
Stephanie Scott Northport, AL
My experience with Caleb was absolutely perfect. Answered all of my questions, gave me a excellent quote, and got started right away.
10 months ago
Reply from Beyond Finance
Hi Stephanie,
Thanks for leaving us such a great review! We’re happy to hear that our client service is living up to your expectations so far.
As always, you’re welcome to contact us at [email protected] or 800-282-7186. Thanks for choosing Beyond Finance!
- Client Success Team at Beyond Finance
Jun. 2nd, 2022
Review Source
Skullleader1 Palm Coast, FL
They say that they will help reduce your debt and they do with the collection and then they turn around and up the total cost you originally owed to more with their cost and fees. So think twice before doing it unless the Banks and collection agencies won’t work with you. Just remember you will not save any money with Beyond it will cost you more at the end.
10 months ago
Reply from Beyond Finance
Hi there,
We appreciate your feedback and we’re sorry to hear that you have concerns about how much you’re saving.
Our goal is to save our clients as much money as possible, although we cannot always guarantee those savings with individual creditors. Our program can reduce our clients' enrolled debts by up to 50%. Compared with remaining in an often perpetual cycle of making minimum payments to your creditors, our program is much less expensive.
We’d love to discuss your program in greater detail. Please give us a call at 800-282-7186 or email [email protected] 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 at Beyond Finance
Jun. 14th, 2022
Tennille Schiltz Minneapolis, MN
Terrible. They hardly save you money. They will take 25% of your TOTAL debt. They find you at your moment of weakness, make you feel like they are the good guys helping and TOTALLY SCREW you. Have never been so upset. Seriously. A settlement “fee” of $2700!!!???? Wrong, crooked and disgusting on so so many levels. And don’t bother talking to a manager. They won’t do a damn thing
10 months ago
Reply from Beyond Finance
Tennille, we appreciate your feedback.
We strive to be transparent with our clients about our program, which is why we review our fee structure with each client during their enrollment. Even with our fees, working with us can be significantly less expensive than paying the full amount owed to creditors, which includes higher interest and fees.
If you have any additional questions about your program or fees, give us a call at 800-282-7186 or email [email protected] to speak with a member of our team. Thank you for choosing Beyond Finance.
- Client Success Team at Beyond Finance
Jun. 3rd, 2022
Jessica Hoskinson Louisville, KY
Originally signing up it sounded like a great idea. However after you sign all these documents you then see the real truth. A they didn’t reduce my debt by a whole lot. It has damaged my score. It takes forever to get settlements to show cleared when I have a graduation loan through above lending. It’s been a nightmare for my parents and I (who I regret ever mentioning this company for them to do business with as well. They don’t give you clear concise answers. Everything is vague and a run around. I don’t recommend
10 months ago
Reply from Beyond Finance
We appreciate your feedback, Jessica. We’re sorry to hear that you have concerns about how much you’re saving.
We strive to be transparent about our program and how it works. Our goal is to save our clients as much money as possible, although we cannot always guarantee those savings with individual creditors. Our program can reduce our clients' enrolled debts by up to 50%. Compared with remaining in an often perpetual cycle of making minimum payments to your creditors, our program is much less expensive.
We’d love to discuss your program in greater detail and get you some clear answers. Please reach out to us at 800-282-7186 or [email protected] so that our team can address your concerns as soon as possible.
Client Success Team at Beyond Finance
Jun. 17th, 2022
Donna Tinnell Shepherdsville, KY
Everyone I talk to you was very nice. The process was easy to follow and seamless. Overall it was a very good experience
10 months ago
Reply from Beyond Finance
Hi Donna,
Thank you for the feedback! We are pleased to hear that our team and program are both living up to your expectations!
As always, you’re welcome to contact us with questions at [email protected] or 800-282-7186. Thank you for choosing Beyond Finance!
Client Success Team at Beyond Finance
May. 6th, 2022
Review Source
Tammy Paim Middleboro, MA
They explained things so well and in terms that I could understand. I feel very secure and comfortable with my decision to move forward with them
11 months ago
Reply from Beyond Finance
Hi Tammy,
Thanks for the kind words! We want all of our clients to feel comfortable on their debt relief journeys and we are very glad to hear that our representatives were able to fully explain our program to you from the start.
As always, you’re welcome to reach out anytime with questions at [email protected] or 800-282-7186. Thanks 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.
1 year 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 [email protected]
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.
1 year 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
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.
1 year 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
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.
1 year 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
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.
1 year 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 [email protected] or 800-282-7186.
- Client Success Team at Beyond Finance
Feb. 18th, 2022
K C Saint Joseph, MO
I would give 0 stars if I could. This company is the BIGGEST scam. They claim to settle your debts in “3-6 months” but they actually take over 2 years. They are TERRIBLE at communication, don’t bother emailing them because you probably won’t get a response. Their fees are absolutely insane, and by the time they get around to negotiating a settlement for you, your initial debt balance has probably increased by the MAYBE 25% you would save if you had paid the debt off yourself, so you barely save a penny. Plus, your credit is absolutely wrecked. They charge a ridiculous fee for a savings account each month, and they throw in some surprise documents that will incur a monthly charge as well. After you’ve signed a settlement agreement, thinking a settlement has been made, they will send you another settlement a month later for the same debt claiming the first one didn’t work out. I was incredibly naive signing up for this program, please don’t waste your time or energy! Worst company I have ever dealt with. Also called in a month ago about some missing funds, and when the woman told me she would investigate it and *promised* to call me back within 2 business days, I believed it. It’s been at least a few weeks since then and I haven’t heard a peep. So, just to reiterate- please don’t do it. I am a paying customer of this service and I’m telling you it’s trash.
1 year ago
Reply from Beyond Finance
KC, we greatly appreciate your feedback. Our goal is to help our clients resolve their debt as quickly as possible. Prior to and during our clients' programs, our top priority is making sure that they fully understand how those programs work, including the process, our fees, and the program timeline.
We take your feedback seriously and would like the opportunity to address your concerns about the balance in your Dedicated Account. Please reach out to us at 800-282-7186 or [email protected] so that our Client Success team can review your account with you and resolve this.
- Client Success Team at Beyond Finance
Feb. 18th, 2022
Emilee Coleman Lubbock, TX
I need to speak to someone about why I have not graduated from the program that we are enrolled in. I was told by a representative in November that we would be done with this before Christmas, it has been a month past Christmas.
Please explain to me what the issue is. I have offered to pay over the settlement amount. All that I have heard is that our last enrolled debt is not settled yet. I have heard that you have been communicating with that company, but no agreements have been made.
I have enjoyed working with Beyond, until we got our loan from Above. Beyond has been no help since we were given our loan, and I do not understand why.
1 year ago
Reply from Beyond Finance
Hi Emilee,
We appreciate your feedback. We are sorry to hear that you are experiencing a delay in your program graduation. Our goal is to help our clients resolve their debts as quickly as possible. Because we customize each program to meet our clients' specific needs, resolution times vary from person to person and it can take up to six months or longer to reach each resolution. Unfortunately, not all creditors approach resolutions the same way, so program timeline estimates cannot be guaranteed.
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. Please reach out to our team at [email protected] or 800-282-7186 to talk.
- Client Success Team at Beyond Finance
Feb. 10th, 2022
Sondra Shumaker Miami Beach, FL
SCAM -
I signed on w/Beyond Finance in Aug 2021 after the pandemic closed my event planning business and I had racked up considerable credit card debt, living on my credit cards. The rep at BF sounded knowledgeable and explained the program was designed to settle all debt within 120 to 150 days. We are now at 6 months later, my credit score has plummeted to 415, after ignoring any and all communication with my creditors - they have settled exactly ONE $2000 debt for alittle over half, which they are MAKING INSTALLMENTS ON, rather than just settling it which they have the ability to do, since they have collected some $2500 from my monthly drafts to them.
And today, Trent at BF - who refused to supply a last name (what financial institute allows reps to use only first name, while they are sitting with ALL your personal data, SS, DL, bank accounts...????), advised that the large balance credit cards WOULD NOT BE SETTLED FOR YEARS - because they would have to collect from me enough funds to negotiate the settlement. THAT is NOT what was promised - infact just the opposite... specifically BF has the power in the marketplace because they have the ability to settle your debt in your behalf, as long as you establish a pattern of reliable payments over a 90 - 120 day period. THIS IS A SCAM - STAY AWAY.
1 year ago
Reply from Beyond Finance
Sondra, we appreciate your feedback. We are deeply sorry to hear that our program was not the right fit for you. We always aim for transparency with our clients with regard to our program, our process, and our fees. We regret to hear that you feel we missed the mark with you and that you felt you had unanswered questions about your program.
After a thorough review of your account, we have confirmed that your program has been terminated.
- Client Success Team at Beyond Finance
Jan. 19th, 2022
Review Source
Sheena
It’s only been a couple of days. However my overall experience with every one I encountered has been nothing short of amazing. I look forward to being debt free.
1 year ago
Reply from Beyond Finance
Thank you for leaving us a review, Sheen! We are very glad that you chose to enroll in the program, and that things are off to a great start!
We’re committed to keeping you up-to-date with your progress throughout your debt relief journey! You can track your progress by viewing your program online and contact us with any questions at [email protected] or 800-282-7186.
- Client Success Team at Beyond Finance
Jan. 18th, 2022
Mspha23 Grass Valley, CA
My debt didn’t even get settle for that much less than what I originally owe. $27k settle for $22k. Beyond settled my PayPal account but it still shows up on my credit report after 5 months as in collection even after disputing it. Regardless of almost completing my program, my credit score continues to drop even though debts are getting settled. This is mainly due to the collection that I had already settle through beyond and finished paying off, however, since they won’t do anything about it, my credit drops each time I look at it. Already talk to beyond about it and nothing getting done. They claim they can settle the account for half the amount than you owe but literally it doesn’t really do anything for you due to the fees they charge. Just settle your loan yourself and call to close everything down. Wish I would had read reviews before joining up with them.
1 year ago
Reply from Beyond Finance
We appreciate your feedback and we are very sorry you're unhappy with your program. Our goal is to save our clients as much time and money as possible through debt resolution compared to a high-interest cycle of debt many of our customers face from their credit cards. We’d like to note that our program is often much less expensive than continuing to stay in the cycle of making minimum payments to your creditors, which is made more expensive because of various fees and compounding interest.
We’d also like to note that once resolved debts are repaid they can be designated as "Settled" or "Paid Settled" or some other similar designation. However, unfortunately, we have no control over how, when, or what the creditor reports to the credit reporting agencies. We encourage our clients to practice positive credit behavior both during and after their programs to help their creditworthiness over time. Historically, we've found that many of our clients see an improvement in their credit score as their debts are resolved and paid.
We’d love the opportunity to continue working with you and are keen to further discuss your experience. Please call us at 800-282-7186 or email [email protected] to speak with our Client Success team. Thank you for choosing Beyond Finance.
- Client Success Team at Beyond Finance
Feb. 18th, 2022
Cynthia Bethea Fort Bragg, NC
Don't DO IT! They will wreck your credit and steal your money. And you will not get anything in return. Yes you will, you'll get a headache and a lot more aggravation than you bargained for. If you value your credit score, mine was over 700 when I began with them and now it's only barely fare 640 I do believe at this moment. I went down to 550 when I started. They will tell you not to talk to your creditors while they sit back and let your accounts grow with late charges so by the time a negotiation begins your account may have doubled the original amount plus you'll have delinquencies on you record. One of my accounts did just that and not only did it do that, but it went to collections while they were sitting on their bottoms. I was put in touch with one of the attorney's that work for them and she was useless as I received two court summons on this account. Had to appear in court last month, but the attorney did take care of that, but I went to court anyway to make sure. They will tell you one thing, and do quite another. They take out absorbent fees prior to even paying your creditor. They say it's 25% but it's way above that. I've paid $5016.00 to date and $2910.00 have gone to Beyond Finance Fees and only $2806.00 to my creditors. So that's even more than 50%. I've called them 5 times today and each time I get different information and an apology which doesn't help me much. Now I'm locked out of my online account and and can't even see what they are doing. They have no transparency and obviously no trouble telling you lies about what is actually going on. Told me they reached a settlement agreement with my final creditor, a year and a half later than when I began which was in March/April of 2020. Asked me if I could pay $750 payment and make my regular payment when it was due to settle this last account. The got the $750 but it did not go to the creditor, as the creditor was paid when my regular payment was made in the amount of $105.00. I was told there would be no fee associated with the last settlement but they took $910.00 for their fee. You do the math!
1 year ago
Osiris Isis Evansville, IN
If I could write a review without having to give a star i would do without the hesitation. That in my opinion reviews need to be rated as 0 to 5 and Beyond Financie would definitely deserves a big ZERO. They are basically doing what you practically do on your own...Negotiating with your creditors Because of financial difficulties you are unable to pay and your asking for a settlement price; and to suspend your card. Well I'm being sued by a collection agency as a result of Beyond Financie; for reasons "beyond" me (pun intended) was unable to reah an agreement with Discover. So they reached out to me by referring me to a Lender to borrow more money to resolve what Beyond Financie failed to do. Do it your self speak to your creditors tell them your situation and suspend your card. And In your credit report Beyond Finance tells you it won't show up as a bankruptcy but it does at least in mine it did.
1 year ago
Lauren Snell Green Bay, WI
I started using this company a year ago. Turned out costing me way more money. I was making bi-weekly payments. Which was more then I was paying towards the credit card companies. Over $115 of each payment went to their fees and I found out only $5 was going to pay the actual credit card company. Then last month a got a summons to go to court. They had not negotiated with Discover, turned out they never even contacted to tell them I was in debt consolidation. I called beyond, they said they couldn't help me. I called a local lawyer where I lived, and he told me that it was a scam and to tell beyond I wanted my money back. I was also advised to close my bank account so beyond could not keep taking my money. So now I wait to go to court next week to explain to the judge why I have no money to pay discover, and I only live on a disability check....
1 year ago
Riad Almawy Dammam, 04
They promised to settle my debts with 3 banks but the settlement amount they "negotiated" would have been offered to me by the bank and saved me their whooping 23% fees payable on principal balance not the settled balance. They take their fees once I approve the settlement in advance. They failed to make a payment to one of my credit cards although the settlement was reached because the account was few dollars short and they never called me warned me. This bank withdrew the offer to settle and the situation stayed hush-hush in my account for 9 months until I decided to call them. Trying to reach any of their "courteous" operators or agents is easy, getting answers is the challenge. FInally they would not accept the responsibility for their failure to settle my card, didn't offer to refund me the amounts they paid partially to the bank that I lost or even to refund me the fees they collected on the settlement of this card which they failed to deliver. Add to it that they avoid communications by emails or mail and claim that all our conversations are on a recordede line, but they never shared with me the log of calls they claimed they made to me. I am taking them to court for sure.
1 year ago
Charlie smith Monterey, IN
I think I made a mistake hiring this company Beyond Finance I am very unsatisfied and don't feel that we had the same understanding of how this was to go on if you're negotiating my debt why is it that I have paid $2,900 in 11 months and have had one account settled wow my credit card utilization has went from 98% to 125% I keep getting threatening letters from attorneys and collectors and then I'm told they can't negotiate my other accounts until there's more money in my account this wasn't what I had in mind from what I was told I think I made a big mistake going with this company and at this point I can't recommend them to anyone else this is just the half of it but others have already said the same thing I'm thinking.
3 years ago
Review Source
Evangeline Armonio Philadelphia, PA
Efficient program and educated staff! Very satisfied with their services.
5 months ago
Reply from Beyond Finance
Hi Evangeline,
We are glad to hear that our program is working for you!
We’re here to support you. Remember that you can reach out to us with any questions or concerns at [email protected] or 800-282-7186.
Thanks,
Client Success Team at Beyond Finance
Oct. 19th, 2022
Angela Trosper Rowlett, TX
Explained the process, very straightforward and understanding.
5 months ago
Reply from Beyond Finance
Hi Angela—
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
Oct. 19th, 2022
Review Source
Gregory Kluck Mayville, WI
Discussing my needs was a lot easier than I expected. Clearly explained everything.
6 months ago
Reply from Beyond Finance
Hi Gregory—
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
Sep. 28th, 2022
Review Source
Kathi Ball Fresno, CA
I spoke with Megan on the phone, she was very helpful and personable. Answered my questions.
6 months ago
Reply from Beyond Finance
Hey Kathi!
We’re so happy to hear about your positive experience with Megan! 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
Sep. 15th, 2022
Review Source
Franky Sulphur Springs, TX
Every one has been extremely helpful and kind helping us in consolidating our bills.
7 months ago
Reply from Beyond Finance
Hi Franky,
Thanks for the great review! We’re glad to hear that you’ve had a good experience with our program and team so far!
As always, you’re welcome to contact us at [email protected] or 800-282-7186. Thanks for choosing Beyond Finance!
- Client Success Team
Sep. 14th, 2022
Review Source
Amanda DeCesaro Dallas, TX
Very friendly staff that walked me through the whole process and answered all my questions.
7 months ago
Reply from Beyond Finance
Hi Amanda,
Thanks for the great feedback, and congratulations on moving beyond debt! We are glad to hear that you're having a good experience with ourClient Success Team so far.
Thanks,
Client Success Team at Beyond Finance
Aug. 22nd, 2022
Laura Kinnaird Eudora, AR
Superb support from Mark S in on- boarding my husband, Tommy C. K into the debt relief program.
8 months ago Edited July 13, 2022
Reply from Beyond Finance
Laura—
Thanks for sharing! We’re pleased to hear that our Client Success team made your husband's onboarding experience easy!
As always, you’re welcome to contact us at [email protected] or 800-282-7186. Thanks for choosing Beyond Finance!
- Client Success Team at Beyond Finance
Jul. 20th, 2022
Rolla Perez Milwaukee, WI
Very friendly, understanding staff. Answered all questions without judgment. Very knowledgeable.
8 months ago
Reply from Beyond Finance
Hi Rolla,
Thanks for leaving us such a great review! We’re happy to hear that our client service is living up to your expectations and that our team was able to answer all of your questions.
As always, you’re welcome to contact us at [email protected] or 800-282-7186. Thanks for choosing Beyond!
- Client Success Team at Beyond Finance
Jul. 7th, 2022
Review Source
Lena Blake Kansas City, KS
I have only singled up with this company for a couple days now but the customer service was amazing.
9 months ago
Reply from Beyond Finance
Hi Lena,
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 [http://portal.beyondfinance.com] or contacting us with questions at [email protected] or 800-282-7186. We’re here for you.
- Client Success Team at Beyond Finance
Jun. 28th, 2022
Ernesto Montoy Los Angeles, CA
They have the patience to explain step by step on how Beyond Finance works. They make you feel welcomed.
9 months ago
Reply from Beyond Finance
Hi Ernesto,
Thanks for the great review! We’re happy to hear that our client service is living up to your expectations and that our team has made you feel comfortable on your debt relief journey.
As always, you’re welcome to contact us at [email protected] or 800-282-7186. Thanks for choosing Beyond!
- Client Success Team at Beyond Finance
Jun. 14th, 2022
Review Source
Lorenzo Sanchez NE
But beyond finance yeah made me feel that I know I got to take a chance to get my credit better you get out of debt
9 months ago
Reply from Beyond Finance
Hi Lorenzo,
Thanks for the great feedback, and congratulations on moving beyond debt! We are glad to hear that our program is working for you! Helping people with their debt is what it's all about.
Thanks,
Client Success Team at Beyond Finance
Jun. 14th, 2022
Review Source
GRKing Spring Hill, FL
My experience so far has been quite good. In just 2 days progress has been made on reducing my debt.
10 months ago
Reply from Beyond Finance
Thanks for the wonderful review!
We’re thrilled to hear that our program is already helping you achieve your financial goals! We're looking forward to helping you move beyond debt!
- Client Success Team at Beyond Finance
Jun. 2nd, 2022
Review Source
Lisa Sandoval Greenbrier, AR
My Representative was very informative,professional and helpful. So glad I took the step to consolidate my debts!
10 months ago
Reply from Beyond Finance
Thank you for sharing your experience with our team, Lisa! We are so pleased to hear that our client service has exceeded your expectations and we're looking forward to helping you move beyond debt!
You’re welcome to contact us anytime with questions at [email protected] or 800-282-7186. Thank you for choosing Beyond Finance!
- Client Success Team at Beyond Finance
May. 6th, 2022
