Consumer complaint received 2024-11-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
I was approached by Beyond Finance to settle my credit card debt- they were very forthright in their approach to consolidating debts. They said over and over that the credit acrd companies are the bad guys, they are the good guys and that they would help me and made me feel very comfortable to trust them to represent me. 

They got me a settlement with XXXX XXXX which I accepted, I paid them part of the 25 % fee they take of XXXX not including numerous other charges adding up to about another {$1000.00}. Unbeknownst to me I accidentally missed a payment in XX/XX/XXXX and XX/XX/XXXX. No one ever called me, sent an email or notified me that I had missed a payment even though they sent an overload of calls and texts when I signed up and I paid them to help me. Not one call to say " we are here to help you, you missed a payment lets get back on track so we dont have a problem with XXXX XXXX like they promised. I truly had no idea. At that point XXXX cancelled my settlement offer in XX/XX/XXXX. I proceeded to make my monthly payments and each month I called to get an update on a resumed settlement process and each time the person I spoke to said the same thing - dont worry, just keep making your payments and once you have over {$3000.00} in your account we can get an updated settlement picking up where we left off from the original settlement minus the payments already made to XXXX XXXX {$3300.00} ) Finally in XXXX I became concerned that nothing was happeming and I've tried to resolve this with them. 

At this point I am aware that there is absolutely no benefit to working with them even though that is what they give you the hard sell on- they tell you that they will get you the best settlement and be there for you to help you get this resolved. I had to settle my business XXXX account directly ( since XXXX can't represent business accounts ) and there were no fees, I settled for 55 % of the amount, it was easy and friendly and XXXX even said I could reapply in 60 days. 

XXXX is now calling me again since there is still no settlement in process and saying they will not work with them annd if I want to settle I have to do it directly. XXXX continues to withdraw money from my account and not give it to XXXX. I call consistantly to XXXX and no one ever returns my call. I called 5 days ago again with no call back. 

I want to cancel my account, I want the money XXXX is holding returned to me ( {$5500.00} ) and I want the fee that I have paid them ( {$3300.00} ) returned to me. They did not do the job they said they would do, they do not have any negotiating power, they do not help and protect their clients and they do not even return phone calls. They are crooks and also completely unorganized and unprofessional. XXXX will not even work with them they have no right to hold my money and accept fees. 

When your in debt and the creditors tell you not to work with debt consolidators, believe them. It's a scam, its just a business like any other for them to collect fees and make money. They dont want to help you, they dont care if you make it or not. This has been a horrible experience and I feel scammed and trapped because they have over XXXX of my moey + I paid them over XXXX to help me and they completely misrepresented themselves, and the way the creditors work. They prey on vulnerable people.

Company response to consumer: Closed with explanation