Beyond Finance
4.2
6.5
Overall Score
LAST UPDATED: March 30th, 2023
Beyond Finance is a debt consolidation company with a simple mission: to help people save money, gain control of their finances, and borrow responsibly. As the consumer debt market continually grows, Beyond Finance works around the clock to create both practical and fair debt management services that are customized to its customer's needs.
Beyond Finance also aims to go above and beyond in customer service, and clients have access to the company's consultants — who are there to guide clients through every step of the process and provide personal support and solutions.
The company has offices in Chicago, Houston, and San Diego and was founded in 2016.
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The Good
- Simple Process
- Accreditations
- Services
Simple Process
Beyond Finance has a simple, three-step process to help clients settle their debts. First, the company analyzes your existing debt to ensure the company will be able to help you. If it can, the Beyond Finance team will work with you to develop a debt relief solution that fits your unique needs.
Then, Beyond Finance will work on your behalf to settle your debts and save you as much money as possible. These results are not always guaranteed, however, and it is important to realize that if you agree to work with a debt settlement company, you do so at your own risk and may end up paying money in without getting the results you want.
The final step in the process is to eventually move beyond your debt (hence the company name.) As you start making a single monthly payment into your Beyond Finance account, the company will help you diminish or refinance your debt in less time than you might be able to do on your own.
Again, remember that this process is different for every client, and while debt relief companies have helped many clients reduce their debt over time, this isn’t always the case and results are not guaranteed.
Accreditations
Beyond Finance is an accredited member of the American Fair Credit Council (AFCC), which is one of the primary organizations with which a debt relief company can become accredited. The AFCC sets industry standards and regulates ethical business practices among debt relief companies, so it’s great when a company is a member and is thus accountable to those standards.
We don’t find any evidence that Beyond Finance is accredited with other organizations, but the AFCC is a great start.
Services
Beyond Finance is a debt consolidation company. This means that when you choose to work with the company, you start making a monthly payment into a special account that you create solely for the purpose of paying off debts.
After you have accrued enough money (generally four to six months into the process), Beyond Finance will start using the money in your account as leverage to negotiate settlements with your creditors.
If you are not current on your monthly payments, the debt settlement process might be delayed, because if you don't have enough money in your account with which Beyond Finance can negotiate, it will have to wait until you do.
The company also advises you to send any and all collection calls its way. If you receive a collection call, you can tell the person on the phone that you are working with Beyond Finance toward debt settlement, and he or she can contact the company directly with any questions.
The Bad
- Cost Not Published
- Minimum Debt Requirement Not Published
- Negative Reviews
Cost Not Published
We can’t find any information about Beyond Finance’s pricing or cost of services. Some debt relief companies are very transparent with this information, while others require you to schedule a consultation before you can get an idea of what you might be paying into the debt settlement program and what fees will apply.
Typically, you can expect to pay anywhere between 15 to 25 percent of your debt in fees to the debt relief company you choose to work with. If during your consultation with Beyond Finance, you realize that you will be paying more than this, you may want to consider other options.
Minimum Debt Requirement Not Published
We also cannot find any information regarding a minimum debt requirement for Beyond Finance. This either means the company does not have one, or that this information is just not available online.
During your initial conversation with the company, you will discuss the existing debt you have and the company will determine whether or not you qualify for its services. However, without a published minimum debt requirement, you will not know in advance if you have enough debt to work with Beyond Finance or not.
Negative Reviews
While Beyond Finance doesn’t have very many reviews on Best Company (only eight as of August 2021), most of these reviews are negative. This isn’t a good sign, as many of the reviewers say they would not recommend the company or its services and that they didn’t have great experiences with Beyond Finance.
Unsatisfied customers talk about the company’s terrible communication and poor customer service. Perhaps these things have changed since the reviewers left their comments, but some comments are fairly recent.
One happy customer, however, did speak to the company’s success in helping reduce his debt from $80,000 down to $30,000. This is a big win and hopefully, the company will start to see more reviews like this moving forward.
The Bottom Line
Due to the negative customer reviews and general lack of reviews, we have a hard time fully recommending Beyond Finance’s debt relief services to you.
While reviews aren’t the only determining factor in whether a company is ethical and professional or not, they do help potential clients know what they are getting into and help companies maintain a positive reputation. Thus, before we would feel confident telling you to use Beyond Finance, we would like to see more company reviews and the company's response to those reviews.
Beyond Finance is an accredited member of the AFCC, which is something we always like to see in a company. It would be worth scheduling a consultation with Beyond Finance and seeing if you like what you hear.
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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 day ago
Leo B Abilene, TX
I gave beyond over $8,500 over 9 months and they applied only $1,241 to my creditors! $6,949 they took for their settlement frees, absurd! I canceled the program with $2,271 left in my special purpose account and expected to get that back but they did not refund me a single penny and added that to their settlement fees! In total they paid 15% to my creditors and 85% to themselves. They were settling with creditors for 50% off but the creditors were calling me offering me the same savings! DO NOT WASTE your money on this company and settle with your creditors yourself.
1 month ago
Reply from Beyond Finance
We appreciate your feedback and regret to hear that your program did not live up to your expectations. We'd like to perform a thorough review of your account with you, as our program fees are only equal to 25% of your verified debt enrolled in our program and we never take fees for ourselves before securing your settlement with a creditor, getting that settlement approved by you, and making at least one payment to that creditor. Your settlement fees should not outweigh actual payments to your creditors.
Our goal is always maximum transparency with regard to our process and our clients' individual programs. Please give us a call at 800-282-7186 or email [email protected] so that we can review your account and address these concerns as soon as possible.
- Client Success Team at Beyond Finance
Feb. 17th, 2023
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.
5 months 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 [email protected] to speak directly with a member of our team.
- Client Success Team
Oct. 20th, 2022
Don Ho Torrance, CA
What they basically tell you to do is to ignore all your creditors, for months, or even years. Only after your credit takes a beat down that they start to negotiate with your creditors, which you can easily do yourself without paying beyond. One of my creditors threatened to take me to court, so I opted to handle this ONE creditor (out of 4) on my own, beyond kindly agreed to let me handle it on my own, however never warned me that they had already charged me 2100 . DO NOT use this service. They call you more than your creditors, and charge ridiculous amounts for doing nothing.
5 months ago
Reply from Beyond Finance
Don,
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.
An essential part of the program is for clients to delay payment to their creditors and make regularly scheduled deposits into a Dedicated Account. The money you save in this account will eventually be used to satisfy any obligations you have to your creditor. It is entirely our clients’ choice to delay payment to their creditors while we work with them to resolve their debt. As stated in our Welcome Kit, delaying payment to creditors helps give us the leverage needed to make resolutions and get you out of debt as soon as possible.
Our clients are welcome to withdraw any debt from our program at any time. If you do, you are entitled to the return of any money you accumulated less any fees earned by Beyond Finance.
We’d love the opportunity to continue working with you, and are keen to further discuss your experience and get this resolved. A member of our team will be reaching out shortly to speak with you.
- Client Success Team at Beyond Finance
Oct. 20th, 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!
7 months 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 [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
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.
7 months 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 [email protected] to speak directly with a member of our team.
- Client Success Team
Aug. 12th, 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.
8 months 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 [email protected] 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.
8 months 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
Jul. 8th, 2022
Travis Baker Bloomfield, IN
I have paid over $1300 for a debt that was settled for $650. Original debt was only $1100, so I paid more than original debt. Now I am being sued by my last debtor due to the fact they haven't even contacted the in the past 6+ months. They told me to ignore attempts at collection and send them pictures of all communications in attempt to collect the debt. I did and am now being sued. SCAM!
7 months ago
Reply from Beyond Finance
We appreciate your feedback, Travis. Our number one priority is making sure that our clients fully understand how our program works. We’re sorry we missed that mark with you and that your creditors are taking such an aggressive approach to collecting what you owe them.
We’d like to look into your experience further and forge a path forward for your program. A member of our team will be reaching out to you as soon as possible.
- Client Success Team
Aug. 15th, 2022
Howard Greensboro, NC
Beyond is great as long as you are paying them but as soon as you Graduate their program and they owe you money back they become 100% crooks. I have been trying to get my refund back for over three months and have been lied to by over sixteen Beyond Representatives in the process. I made my last payment to Beyond back on the 18th of March and now it is the 5th of July and they still have not refunded my money they owe me. Just to be clear this whole three months my Dashboard shows they owe me over $950 dollars back they just haven't refunded it to me yet.
8 months ago
Reply from Beyond Finance
Howard —
We appreciate your feedback and take your experience very seriously. We have thoroughly reviewed your program and a member of our team has reached out to you to confirm its status, which is in review for graduation. Once your review is completed, your funds will be refunded to you.
For updates, we encourage you to contact us at [email protected] or 800-282-7186.
- 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
8 months 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 [email protected] to speak directly with a member of our 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.
10 months 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
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.
11 months 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 [email protected] 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.
11 months 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 [email protected] 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.
11 months 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
Apr. 13th, 2022
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
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
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
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
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
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
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
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
Beth Looney Chipley, FL
Please don't every use this company. They are not honest with how much the program costs, they have horrible practices, aren't transparent and usually call me at least once a month to attempt to get me into more debt. They are only in it to take your money. If I had just paid my bill on my own I would have been paid off a year ago instead of waiting now for another 6 months.
1 year ago
Reply from Beyond Finance
We are committed to being transparent about our debt relief process and do our best to make sure all of our clients understand how their programs work, including our fees, program timeline estimates, and process. We are sorry that you feel we missed that mark during your program.
Our intention is to set our clients up for success on their financial wellness journeys. We would like to discuss your experience further and address your concerns. Please reach out to our team at [email protected] or 800-282-7186.
- Client Success Team at Beyond Finance
Feb. 10th, 2022
Jen M Raleigh, NC
Beyond Finance never settled after sending $8,000 to them throughout the year. When I told them I want to cancel and get my money back, they sent me $800 and kept all of my money! I called to see where the rest of my money was and they said it was used to pay for fees! None of my cards were paid. I reported them to Consumer Financial Protection Bureau. This company has been sued many times. Beware!
1 year ago
Reply from Beyond Finance
Hello Jen,
We appreciate your feedback and we are sorry to hear that our program was not the right fit for you.
Our program’s Money Back Guarantee entitles you to the return of any money you accumulated towards potential settlements less any fees earned by Beyond Finance.
We would like to help you review your account details and answer any questions you have about your refund. Please reach out to us at 800-282-7186 or [email protected] so that we can address your concerns.
- Client Success Team at Beyond Finance
Jan. 21st, 2022
Thomas Wilkins Detroit, MI
This place is a huge scame that puts you deeper and deeper into debt. They pay everything the slowest way possible. The staff barely do anything. I’ve had to call them ten times to make anything happen. I could have payed my debt easily myself and saved myself 1000s of dollars. Please never consider this company. They will destroy your credit. And make everything take ten times longer then it needs to be
1 year ago
Reply from Beyond Finance
Thomas,
We’re sorry to hear that your savings have not met your expectations. Our program is able to help our clients reduce their debts by 50%. Although everyone’s situation is unique, our clients could spend more than twice as much if they paid the full balance owed to their creditors, not including interest. It’s worth noting that even with our fees, our program is a money-saving solution that is considerably cheaper and faster than other debt repayment methods.
We’d love to discuss your program experience in greater detail. Please call us at 800-282-7186 or email [email protected] so that we can talk.
- Client Success Team at Beyond Finance
Jun. 29th, 2022
Billy Parks Gastonia, NC
They are a total rip off, please don't deal with these Pirates. They told me that their fees would be included in monthly payment. Signed up for 32 months and they they are trying to stretch me out to almost 40 months. Had over $5,000 in my dedicated account and they settled a debt that was $5,200 and told me that they took their fee now my dedicated account is less than $2,500 and i have to continue to make payments monthly for another year. They are the worst with lying and not being truthful how the process works. STAY AWAY IF YOU CAN!!!!!
1 year ago
Bridget Koehn Kansas City, MO
I consolidated debt with them on 1/2020 & just received a summons to go to court on 5/20/21 from Discover. They STILL have not settled with this company. It's now on my credit report as bad debit. NO ONE has ever reached out to me regarding this issue. It took a sheriff to come knocking on my door. It's now 3 days before court & I had to call them. I've reach out to their "legal" dept several times & NOTHING!!! Would not recommend using their services!! HORRIBLE COMMUNICATION!!
1 year ago
sandy St. Petersburg, FL
DO NOT use this company. Please...there are much better companies that will help you. They are horrible and customer service is just awful, never had such a worse experience in my life. They will not help you in any way shape or form. if you have attorneys after you they will not help at all. Please look elsewhere, you will not be happy with this company.
1 year ago
Sandy San Antonio, TX
Not worth it, I regret using this company, now my credit score is lower than ever, and the process time is taking longer than expected just reach out to main creditors to resolve your financial problems!
10 months ago
Reply from Beyond Finance
We appreciate your feedback, Sandy. We strive to be transparent with our clients about our program and processes, which is why we review the credit impact of our program with each client during their enrollment.
Our program is designed to resolve debt, and as stated in our Welcome Kit and enrollment agreement, it can have a negative credit impact. Some debt relief methods can affect your credit score, but the drop is often temporary. Our clients usually see an improvement in their credit score as their debts are resolved.
We'd love to discuss your experience more and go over next steps for your program. Please reach out to us at 800-282-7186 or email [email protected] to speak with a member of our team.
Thanks,
Client Success Team at Beyond Finance
Jun. 3rd, 2022
Corey Schuler
This company is terrible to deal with. I decided to cancel right away haven't even put funds in. I finally got a hold of someone saying that the canceled it for me. They did not and when I tried calling back I just keep getting the run around. The managers seem like a shady used car salesman and I am still not canceled 0/10 would recommend
1 year ago
Reply from Beyond Finance
We appreciate your feedback, Corey.
We’re sorry to hear that our program did not live up to your expectations. Our clients are welcome to leave their programs at any time. After a review of your account, we have confirmed that your program has been officially canceled.
We’re sorry to see you go, and wish you the best of luck in achieving your financial goals!
- Client Success Team at Beyond Finance
Feb. 18th, 2022
Rene Hertel Evansville, IN
Don't do it!!!! Talk to your creditors and see if they will work with you. I've been in the program for over 3 years and should have been done in January but they haven't even settled all my accounts yet! After 3 years!!! Now I am having to pay beyond what I was told. It's a big scam and I do not recommend them!!!!!
1 year ago
Reply from Beyond Finance
Hello Renee,
We appreciate your feedback. Our goal is to help our clients overcome debt as quickly as possible. Because we customize each program to meet our clients' specific needs, settlement times vary from person to person and it can take up to six months or longer to reach each resolution with a creditor. For this reason, in addition to each creditor approaching resolutions differently, program timeline estimates cannot be guaranteed.
We understand how frustrating this can feel when you're eager to make it to the end of your program and we would like to provide you with updates on your progress. Please contact us at [email protected] or 800-282-7186 to speak with a member of our team. Thank you for choosing Beyond Finance.
- Client Success Team at Beyond Finance
Feb. 10th, 2022
Sohail James Ann Arbor, MI
Please please do not use their services. You will end up paying much more what you are paying to credit companies. They could not settled my debt with Discover card and ultimately I got notice of Garnishment from them, which means I have to pay them full amount. Never ever higher this company. Now I have to get lawyer to settle this debt.
1 year ago
MIAMIGIRL Miami, FL
I started in May - got letters from attorneys which I forwarded to them. No response except "we are working on it". I kept following up with I got another letter. No response. I was concerned about being sued - no response. I switch to another company CareOne whom a family member used about 10 years ago and they were very satisfied with them.
3 years ago
Nora Rivera The Bronx, NY
This people are scam and thieves I ended taking a loan because the wasn’t settled I have to pay them 6200 and the do not settle with the other company this is scam
1 year ago
Reply from Beyond Finance
Hi Nora,
We appreciate your feedback. We are sorry to hear that our program was unable to resolve all of your enrolled debts. Unfortunately, not all creditors approach resolutions the same way. As a result, resolutions cannot be guaranteed with all creditors.
Ultimately, we are pleased to hear that you were able to get approved for a debt consolidation loan with one of our partners. We wish you the best of luck on the remainder of your debt free journey.
- Client Success Team at Beyond Finance
Apr. 13th, 2022
Min Villa Paso Robles, CA
Why do you charge 25% of the amount finance and a monthly fee of $11.99? Seems like a rip off. So people use another company!
1 year ago
