Beyond Finance

I like the company Beyond Finance for helping people to start a better life financially.

They are doing everything they can to help us and the customer service they are helpful and friendly.

Rep was very upbeat and positive. She was knowledgeable and explained everything. Very positive reinforcement

My experience with Javier was great. What a kind and knowledgeable person he is. He spent time to explain things and care about me. Thank you.

They were very informative and helped answer any question we may have had. Also were very understanding of our situation and genualy wanted to help.

I am over a year in to the program. I have paid them over 5k and only close to 2k has been paid to my creditors. Beyond is calling me asking for more money each month to settle debts. I know there is no guarantees but it appears they are only worried about getting their money and not settling debts. They only reached out to me to ask for more money or try to get me to apply to a different program.

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.

Justin W was very professional and walked me thru every step of the debt relief program at the same time understanding my current debt load and criteria.

This company is a rip off. They settled 2 accounts I paid $900 and the 3rd account took me to court they didn’t even try to negotiate with them I settled with that company out of court with a payment agreement. Then when I said this wasn’t helping me and I wanted to close my account they KEPT MY $300 I had in my dedicated account saved. Hmmm just seems like they’re just as bad as all those companies they talk down on about high interest you do the math they took $300 on $900 settlements that’s 33% they are nothing but crooks and are just as bad as high interest creditors they talk down on. Would NEVER RECOMMEND anyone to this company not even my worse enemy.

Please stay away. As a business owner myself, I tend to not give out negative reviews as I know how harmful they can be but if I can keep even one person from enrolling it will be well worth it. In December 2022 when I signed up, I wasn’t struggling with credit card debt, I simply wanted a consolidation loan to combine my several credit card payments into just one payment a month. I Googled “credit card consolidation loan” and Beyond was one of the first to pop up. I called inquiring about rates and terms. The woman I spoke with talked about how they’re a great option to escape debt and lower my monthly payments. Stupidly on my part I went ahead, it was then I was told that I’d take a “slight temporary hit” on my credit score, but nothing to worry because everything will be wrapped up “shortly” and I can move on from my debt. What an awful choice on my part. They tell you to stop making your credit card payments, and that you’ll soon be “contacted” by the credit companies and to “ignore them”. Well they hound you. Multiple times a day. They will contact your family looking to get a hold of you. Endless letters sent by US Mail and FedEx. And more and more phone calls to you and sometimes your family members. That “slight” and “temporary” hit to your credit score? Mine went from a 710 in December 2022 to where it sits in high 500’s in December 2023. So either I was lied to about “slight” or the definition of the word has changed at some point and I wasn’t notified. I had planned around this time to move, that can’t happen now because no way I’m getting any decent mortgage with a credit score in the 500’s. The true cherry on the top of this program, is that in July 2023 I was sent an email from Beyond saying something along the lines of “congratulations you will soon qualify for the Graduation Loan Program”. Basically saying I’ve done everything I’ve needed to and that soon I’ll be getting a code from Above Lending with an invitation to a credit consolidation loan. Hallelujah I thought, the exact thing I was looking for in the first place. I call Beyond to ask for more information and they say that you need to be in the program for 9 months and have 6 consecutive months of on time payments. Perfect, I never miss any payments, and within a few weeks I’ll have been in the program 9 months. It hits 9 months of me in the program, I call and ask about the loan, the person I speak with said I’ve met all of the requirements and I’ll likely be reached out to shortly. This was September, I call both Above Lending and Beyond once every 2-3 weeks for an update, and I keep getting the answer of “soon” and now in mid-December 2023, I’m still getting told “soon”. Meanwhile I was legally served with a lawsuit from one of my credit card companies and likely on the verge of another one. I’m living in constant anxiety that another server will be showing up at my door with more legal papers and another lawsuit. By the way, they never tell you about this until it actually happens. So let me tell you, avoid this program unless you actually like being served and having a lawsuit against you from a major corporation. I’ve spent several nights with tears in my eyes because of what this program has done to me financially, and how I can’t move to a new house which was something I had been planning and preparing for for years. I’m 33 years old and have never been a day late on a payment for anything let along straight up skipping payments. I’ve called both Beyond and Above Lending basically begging and pleading to get me that Graduation Loan, and no progress has been made. I’m under the belief at this point that it won’t ever happen, and that “slight” and “temporary” hit to my credit score is more like “crippling” and “long term”. Signing up for Beyond’s program may be the worst mistake I have made in my life, and unless you are in dire straights with your debt, please, please do not make the same mistake as me. I’m at the point where if I don’t have that Graduation loan by the end of January 2024, I’m pulling myself out.

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.

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

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.

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!!!!!

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!

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

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

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!

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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!

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.

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.