Consumer complaint received 2026-05-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
I enrolled in Beyond Finance LLC 's debt resolution program on XX/XX/XXXX after a house fire and a period of financial hardship. My enrollment included XXXX debts totaling approximately {$26000.00} : a XXXX XXXX XXXX XXXX account ( approximately {$25000.00} ) and an XXXX XXXX account ( approximately {$1800.00} ). Over the next XXXX months, the company collected a total of {$270.00} in fees from my XXXX XXXX Purpose Account. These fees included approximately {$140.00} in " Platinum Legal Protection ( PLP ) Monthly Fees '' routed to a XXXX company called XXXX XXXX XXXX XXXX XXXX {$120.00} in " Monthly Service Fees, '' and a {$9.00} Account Setup Fee. This {$270.00} represents approximately 68 % of all funds deposited into the account during my enrollment ( {$400.00} total ). During this entire XXXX enrollment, XXXX debts were settled, reduced, or renegotiated. Beyond Finance produced no evidence of any settlement offers, negotiation activity, or creditor outreach on either of my XXXX enrolled debts. Additionally, the larger of the XXXX enrolled debts is a XXXX XXXX XXXX XXXX loan, which is secured debt. Beyond Finance 's own Debt Resolution Agreement ( Section XXXX ) states the program is for " ELIGIBLE UNSECURED debt, '' and the company 's Disclosures and Acknowledgments ( Section G ) warn that secured property may be subject to repossession or foreclosure. The enrollment of a secured auto loan in a debt resolution program appears to violate the company 's own contract terms. On XX/XX/XXXX, I submitted formal written cancellation of my enrollment by email to XXXX and demanded a refund of all fees collected. On XX/XX/XXXX, I attempted to follow up through the company 's XXXX chat feature. A chat representative stated in writing that " cancellation and refunds can only be processed over the phone. '' When I attempted to call the phone number provided ( XXXX ), the line was closed because phone support hours had ended. Following extended back-and-forth, the chat representative eventually issued Cancellation XXXX XXXX XXXX and confirmed the cancellation of a scheduled upcoming deposit of {$200.00}. The representative also disclosed that XXXX additional bi-weekly deposits of {$200.00} each remained scheduled on my account at that time. On XX/XX/XXXX, a Beyond Finance account XXXX called me by phone and confirmed the cancellation of my program but refused to refund any of the {$270.00} in fees collected during my enrollment, characterizing the fees as non-refundable " maintenance fees. '' The same day, I received written email confirmation that my enrollment was cancelled and that my remaining Special Purpose Account balance of {$130.00} would be refunded by the dedicated account provider, XXXX, within XXXX business days. Throughout my enrollment, I was also charged {$140.00} in PLP Monthly Fees for a XXXX XXXX XXXX product through XXXX XXXX XXXX XXXX, with an associated limited scope representation agreement with XXXX XXXX XXXX XXXX. I never used, requested, or received any legal services from either entity during my enrollment, as neither of my XXXX enrolled debts was the subject of any collection lawsuit. I have separately submitted a written cancellation and refund demand to XXXX XXXX XXXX XXXX. I am requesting CFPB assistance with the following : A full refund of the {$270.00} in fees collected during my XXXX enrollment, given that no debts were settled, reduced, or renegotiated at any point. Confirmation that the remaining {$130.00} Special Purpose Account balance is disbursed within the XXXX business days promised in the company 's written cancellation confirmation. Review of Beyond Finance 's practice of enrolling secured automobile debt in its debt resolution program, contrary to the express terms of its own XXXX XXXX XXXX. Review of the company 's practice of requiring telephone-only cancellation and refund processing, and refusing to provide written documentation of fee accountings or refund determinations. I have preserved a complete record of all communications, including the original enrollment agreement, the XXXX XXXX Purpose Account statement, screenshots of chat transcripts, written cancellation correspondence, and the written cancellation confirmation email from Beyond Finance.

Company response to consumer: Closed with explanation