Consumer complaint received 2026-03-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
Subject : Failure to Provide Services, Withholding Client Funds, and Causing Financial Harm Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Beyond Finance regarding their handling of my debt settlement account and the serious financial and emotional harm this situation has caused me. I initially hired Beyond Finance because I wanted to responsibly pay off my credit card debt. During the enrollment process, I was clearly told that if I made consistent paymentsand especially if I made higher paymentsI would be able to resolve my credit card debts faster. Based on these representations, I trusted their program and began making the required payments as instructed. When I first entered into this program my credit was XXXX, they told me that my core would drop for a little at the beginning 3 months later my credit was at XXXX, For a period of time, I believed everything was proceeding as planned. However, one day when I logged into my account portal, I saw a message stating that I urgently needed to contact their office. They had not previously called or attempted to notify me that there was an issue. When I contacted them, I was suddenly told that I needed to provide an additional {$800.00} payment within two weeks and then follow it with an even larger payment afterward. When I explained that I could not afford this unexpected demand, I was informed that the credit card company had already taken legal action against me and that I essentially had to accept the proposed deal. This was extremely shocking and upsetting because I had hired Beyond Finance specifically to prevent this type of situation. At that point, I asked to cancel my account. However, they told me that I could not cancel with the representative I was speaking to and that another representative would need to handle the cancellation. Instead of processing my request, another person contacted me and told me they would try to submit a different settlement offer. When they followed up, the offer they presented was exactly the same as before. This was extremely frustrating. I again stated clearly that I wanted to cancel my account. I was told that I would be connected with another person to complete the cancellation process, but instead the call ended without me ever being transferred or assisted, I never got to speak to any one and I was upset the plan was to address this after the holidays by sending a letter to corporate so that someone could better explain to me what was going on because the reps had zero patience and all they said is I had to pay the money because there was already legal action against me. This occurred around the XXXX holiday period. During that time, I continued receiving calls that caused me significant stress, making it very difficult to enjoy time with my family. The entire situation was extremely distressing. That same day, I sent a written letter regarding the situation. Shortly afterward, I realized that my account had already been canceled without any proper communication with me. I was never given the opportunity to speak with someone to properly resolve the matter. I never told them to stop withdrawing money permanently, nor did I ever refuse to follow through with the payment plan they originally promised. My intention from the beginning was simply to pay my debts in a structured way through their program. However, Beyond Finance failed to properly communicate critical information to me, including that my settlement offers were not being accepted and that the creditor had already initiated legal action. By the time they informed me, the case had already moved forward in court. As a result, I am now forced to hire legal services and incur additional legal expenses to deal with the credit card lawsuitprecisely the outcome I hired Beyond Finance to help me avoid. I filed a complaint with the Better Business Bureau regarding this matter. Unfortunately, that complaint was closed because no resolution could be reached. I have also sent certified letters to the corporate office of Beyond Finance, yet they have not responded or made any meaningful attempt to resolve this issue. To make matters worse, Beyond Finance still has funds that I paid into their program. Despite the fact that the service I hired them to perform failed and caused further financial harm, they continue to hold my money without providing a clear resolution. This situation has caused me significant XXXX XXXX and XXXX XXXX. I trusted this company to help me responsibly resolve my debts, but instead I have been left dealing with legal consequences, additional expenses, and a company that refuses to communicate or return my funds. I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in holding Beyond Finance accountable. I am seeking a full review of their actions and the return of the funds they are still holding, as well as a fair resolution for the financial damages and stress caused by their mishandling of my account. Thank you for your attention to this matter. XXXX XXXX

Company response to consumer: Closed with explanation