Consumer complaint received 2025-04-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, Since enrolling in Beyond Finances program in XX/XX/XXXX, I have experienced repeated instances of misrepresentation, unauthorized fee withdrawals, and changes to settlement terms without my knowledge or consent. Despite paying {$5500.00} in fees and enrolling a total of {$28000.00} in debt, the outcomes have been drastically different from what was promised. I was originally told to expect savings of {$15000.00} and average settlements of 50 % neither of which materialized.

Key events include : A retracted XXXX settlement offer ( originally for {$6200.00} ), confirmed by Beyond staff, which resulted in an increased balance and delayed resolution.

A {$4800.00} lump-sum withdrawal mislabeled as an offer payment, with the majority going toward undisclosed fees not to creditors. 
Failure to notify me when XXXX XXXX escalated my account into legal status. 
Inconsistent and conflicting statements from staff and managers regarding fees, savings, and internal policies. 
Refusal to release my enrollment call, which contains critical evidence of the original verbal promises made at enrollment and which is now being withheld under the claim that it is internal information. 

Despite multiple written and verbal requests for transparency and resolution, the company has remained evasive. The XX/XX/XXXX, call with XXXX XXXX XXXX is the latest example of Beyond Finances continued refusal to address these issues in good faith.

This message also serves as a formal rebuttal to their recent communication and a reiteration of my request that all future correspondence be provided in writing only, as stated multiple times. 

On XX/XX/XXXX at XXXXXXXX XXXX, I spoke with Manager XXXX XXXX regarding the enrollment call Ive been requesting for several weeks. During this conversation : She stated the enrollment call is internal information and can not be shared with me despite this call forming the legal foundation of our agreement. 
When asked what was said about the fees, she deflected with answers like I dont remember, I dont have to disclose that, and Ill have to check if I can even send you an email confirming that.

Despite claiming she couldnt share the contents of the call, she selectively disclosed that the recruiter mentioned 4060 % settlement offers and even gave an example conveniently reinforcing Beyond Finances current narrative. 
However, none of my actual settlements even met the minimum 40 % reduction, proving that I was misled during enrollment. 

This selective disclosure is unethical and manipulative. It appears the call is being withheld precisely because it contains statements that would confirm my claim of misrepresentation especially regarding fee structure and promised savings. 

On XX/XX/XXXX, I received a written response from Beyond Finance that continues to ignore the core of my complaint. In that letter, they claimed that correct expectations were set and that a 25 % fee and 4060 % debt reduction were disclosed during the enrollment call. 

However, even by their own admission, my results failed to meet even the lowest end of the promised savings range. For example, my XXXX account ultimately settled for {$9800.00} a drastic increase from the {$6200.00} offer initially confirmed by their own team. The failure to deliver even the minimum projected savings constitutes misrepresentation and false advertising of results. 

Additional concerns : The response fails to acknowledge or remedy the retracted XXXX offer, which increased my debt by {$3500.00} due to Beyond Finances mismanagement.

Their proposed refund of {$3500.00} framed as a good faith gesture does not begin to address the full financial and legal harm Ive experienced, including unauthorized withdrawals and escalating creditor action.

They continue to promote a misleading fee structure by referencing a 6.25 % annual fee over four years, yet Ive paid {$5500.00} in fees in under one year far exceeding the $ XXXX implied by that formula. 
Most critically, they still refuse to release the original enrollment call, which prevents me from verifying their claims and defending myself using my own contractual evidence. 

As a consumer, I am entitled to access any communication that forms the foundation of a financial agreement including the full contents of my enrollment call. If the recording can not be released, I formally request a transcript or detailed summary, including the exact language used to explain fees, estimated savings, timelines, and settlement expectations. 

Withholding evidence while selectively quoting parts that benefit their defense is a violation of transparency, fairness, and consumer trust. 

As previously mentioned, I have paid {$5500.00} in fees within just 5 months of enrollment. This directly contradicts the claim that the 6.25 % noted in my program summary represents an annual fee, as it implies a total of only {$1700.00} per year for my {$28000.00} in enrolled debt. 

The financial and legal consequences of these actions have been severe, including : My XXXX XXXX account being escalated into legal status without any prior warning or plan to resolve it. 
Decreased trust in the process and increased personal stress due to lack of transparency and accountability. 

Given the unresolved and escalating nature of this issue, I am now filing complaints with the following regulatory bodies : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania Attorney General : XXXXXXXX XXXX Illinois Attorney General : XXXX XXXX Texas Attorney General : XXXX XXXX Please confirm receipt of this message. I will continue to maintain a detailed record of all interactions and correspondence. The continued refusal to release the enrollment call, or to provide full and fair resolution, will be documented in each complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation