Consumer complaint received 2025-07-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Against Beyond Finance Unclear Disclosures, Excessive Fees, and Financial Harm To Whom It May Concern, I am writing to file a formal complaint against Beyond Finance, a debt settlement company I enrolled with to resolve my unsecured debt. Based on my experience, I have serious concerns about their disclosures, their handling of client funds, and whether their practices comply with consumer protection laws. I respectfully request a full investigation. 

Key Points of Concern : I enrolled XXXX accounts totaling {$27000.00} in unsecured debt with Beyond Finance. I was told my bi-weekly payment of {$220.00} would be deposited into a dedicated account used to pay off my debt over approximately 4 years, and that this amount included all necessary fees. 
Prior to enrollment, I received an email from Beyond Finance with a clickable link that led to a brief web-based overview. It summarized my estimated savings and listed my payment amount, then prompted me to click Agree. 
I do not recall being shown a full contract or detailed fee schedule. I was not made aware at that time that Beyond would charge 25 % of my total enrolled debt or that their fees would take priority over payments to my creditors. 
I followed their advice to stop paying my creditors and began depositing into the dedicated account as instructed. Since then, my credit score has dropped significantly, and I have accrued late fees, interest, and credit damage as a result. 
To date, I have paid approximately {$2400.00} into the program : Only {$960.00} has been paid to a single creditor ( XXXX ). 
{$1400.00} has been withdrawn by Beyond Finance in fees more than 60 % of the total funds I have deposited. 
They chose to settle XXXX of my largest debts first ( {$8800.00} ) rather than a smaller balance, which I believe allowed them to maximize the fees they collected early. On the XXXX and only settlement offer I had a little over {$1000.00} in my account and they took {$910.00} for settlement fees. My first deposit was made on XXXX according to the attached ledger provider by Beyond, and the fee of {$910.00} was taken out on XX/XX/year>. I've been so stressed and started to suffer from XXXX XXXX XXXX since then. 
I also see XXXX recurring monthly fees being charged from my account : XXXX XXXX XXXX Monthly Fees Monthly Service Fees This seems excessive and unjustified, especially considering that only XXXX debt has been settled. 
The program has not delivered the promised results, including a supposed debt reduction from {$27000.00} to {$13000.00}. 

What I Am Requesting I respectfully request a full investigation into : Beyond Finances disclosure practices during enrollment. 
Whether their fee structure and fund prioritization are legal and ethical. 
What remedies may be available to help make me whole for the financial harm and credit damage I have suffered. 
I have a full ledger and records of all transactions see attached. I believe all their calls should be recorded for quality assurance. Attached is an export of my account Ledger, provided from them and a visual diagram of how funds have been used. I am willing to submit any further documentation that I have as needed/requested.

Company response to consumer: Closed with explanation