Consumer complaint received 2024-11-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Consumer Financial Services Solutions, Inc.
State: MO

Complaint narrative:
Account Info : XXXX XXXX Program Name : XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX ) I am writing regarding a long time unresolved escalation that I have had with XXXX of my credit card resolution offers. I was given misinformation by many agents from Beyond Finance about my XXXX XXXX XXXX account ( XXXX ). I spoke to a supervisor, XXXX, who was supposed to be getting back to me about my concerns. She said that she would review my calls and call me back. A few days later, she called me back to say that she had found nothing but that she had not reviewed all of the calls. I advised her that there was misinformation given to me and that the calls needed to be reviewed. She called me back again on XX/XX/24 and XX/XX/24 ; however, it was the weekend of a family member 's wedding, and I was not able to discuss her findings. From XXXX until now, I have continued to reach out to Beyond Finance for resolution. I was told several times that supervisor XXXX would get back to me. Many times I have called and she never got back with me. 
I finally called on XX/XX/24 to ask why no one had gotten back to me because my last request was for any supervisor to contact me to share supervisor XXXX 's findings. I was advised that the last escalation was opened but was closed XXXX minute after it was opened, and they were not sure why that happened. He apologized and stated that he would open a new escalation. He asked that I allow Beyond Finance to resolve this matter and not reach out to the XXXX  or Consumer Financial Protection Bureau. Since that call, no one has contacted me. I called today, XX/XX/24, and was advised that the last escalation is still open, but she would open up a new one in hopes that someone will reach out to me quickly. 
My primary issue is that the XXXX prior resolution offers presented to me on my XXXX  XXXX XXXX account were explained incorrectly by many agents. I declined both offers because the amount of the down payment needed and the monthly payment increase would cause me to have to file for bankruptcy. I told each of the agents on both offers that I was on the brink of bankruptcy, and I needed to make sure that the offers were being explained correctly so I could determine my next steps. Within XXXX weeks of declining the last resolution offer, XXXX  XXXX XXXX filed a lawsuit against me. However, prior to the court date, another resolution was presented to me that did not increase my monthly payment or require a down payment, but the total settlement amount with XXXX  XXXX XXXX would increase. 
I was told it was {$7600.00}. I asked the agent how that was even possible when the first offer was {$6800.00}, which required a down payment and/or monthly payment increase. And the second offer that I declined was XXXX with a {$3000.00} downpayment and also a monthly payment increase. None of the math made sense, which was why I called Beyond Finance numerous times to get clarification on the offers before declining them. No agent explained the first XXXX offers to me correctly, and no one could tell me where the discrepancy happened because they advised that once the offer was declined, they had limited details of what the resolution terms were. I even asked if the loan terms were the same to pay off the balances. I was told yes. They were the same on each offer, which was 24 months. I found out later that XXXX offer had a XXXX term, but even with that, the math does not add up. 
I am not only upset about how these offers were miscommunicated to me, but I am also upset that I was told that I would not have to appear in court since I signed the consent judgment accepting the last offer. I was originally told that I would have to appear in court for the lawsuit. This presented a problem because I was in training at my new job and I could not call off. If I miss a day of training, I can lose my job. I had to speak to my HR dept about the situation and I was able to get off. Not only this, but I also had to find someone to get my daughter to school for the day. When the third and final resolution offer was presented to me, and I signed the consent judgment, I called Beyond Finance to see if I still had to appear in court. The agent put me on hold, and then he came back to the line and advised that I did not. I then canceled my day off from work. I also advised my neighbor that I no longer needed her to get my daughter to school. To my surprise, I actually did have to appear in court, which caused me considerable issues in trying to make that happen, all because of more misinformation by Beyond Finance. 
Beyond Finance is a debt resolution company that is supposed to help consumers who, in most cases, are on the brink of financial ruin and are trying to avoid going bankrupt. However, on this particular account and from research by speaking with many agents, I have found out that my XXXX  XXXX XXXX account was not the only information that was miscommunicated to me by Beyond Finance. I am very upset by all of it, but my biggest issue is paying a debt resolution company to mishandle my accounts. On countless occasions, I was given misinformation that not only could have caused me to file for bankruptcy but also could have put me in a very bad position with my new employer. I should not have to pay the XXXX  XXXX XXXX fee for settling this account. It was mismanaged from the time the XXXX offer was presented to me, and there are countless other miscommunications that have happened, such as when it comes to skipping a payment or adding money to your dedicated account and with agents not advising that even though you accept an offer, there XXXX be a shortage at the end of the payment terms, so a lump sum payment will be collected in addition to {$840.00} monthly payment that I already pay Beyond Finance. 
I truly thought that Beyond Finance was an exceptional company when I first joined over a year ago. However, after all of my findings of mishandling/misinformation given by nearly all of your agents, this has been a horrible experience. I probably have had XXXX agents out of at least XXXX agents that I have spoken to within Beyond Finance that have given me accurate information. 
I have continued to stay with Beyond Finance because my sister had success with your company, but that is not the case with me, nor was it the case with the woman that I met in court who also had her debt enrolled with Beyond Finance. She told me that she found out that Beyond Finance collected her payments but was not paying her creditors, and now she was in court to try and resolve the debt on her own, if not, she was also going to have to file for bankruptcy. So I am beyond concerned about what is going to happen with me being enrolled into your debt resolution program. If Beyond Finance does not do better in servicing my account and resolving this matter concerning my XXXX  XXXX XXXX XXXX, I will have to file for bankruptcy, and Beyond Finance, a supposed debt resolution company, will have played a huge part in that happening. 
To resolve this, I would like the fee charged for negotiating the XXXX  XXXX XXXX ( XXXX ) account to be waived because the extent of the damage to me is not only costing me more money but has caused me more stress and time just not to have anyone truly care about my financial duress. What Beyond Finance has done is unacceptable and needs to be rectified immediately.

Company response to consumer: Closed with explanation