Consumer complaint received 2025-01-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: LA

Complaint narrative:
I am a XXXX XXXX XXXXXXXX veteran who, until XX/XX/year>, was making my minimum payments to my creditors. A company called Beyond Finance contacted me stating they specialize in helping veterans with creditors. 

After talking extensively to Beyond Finance, I was assured they would start the negotiation process 3 months after I enrolled, they would stay in constant communications with me and reassured me that if any lawyers or law firms reached out to me that they, Beyond Finance, would immediately step in to handle the negotiation. 

After having a long phone call with a supervisor at Beyond Finance, I enrolled with them on XX/XX/year>. As of XX/XX/year>, I had paid Beyond Finance {$4700.00} and had received absolutely NO debt resolutions even though I communicated with them via email and phone calls. Beyond Finance assured me in both methods of my communications that they would immediately address and handle my concerns. 

I have had several complaints with Beyond Finance : XXXX ) A customer service representative took my XXXX XXXX accounts off the payment list without my knowledge nor approval, once I saw this, I contacted Beyond Finance via phone and they immediately put both XXXX accounts back in my account. This caused BOTH account to double in balance owed. XXXX then sold my accounts to XXXX XXXX who then had a law firm reach out to me with the threat of a lawsuit. Every communication I received from both Portfolio and the law firm was sent to Beyond Finance via email and the response from Beyond Finance was that they would start negotiating with Portfolio immediately. Beyond Finance never communicated with the law firm, XXXX XXXX or even with XXXX. Because of this, I XXXX eventually get sued. As a XXXX XXXX XXXXXXXX veteran, I can not afford a lawyer for representation and because Beyond Finance did nothing to negotiate, I can not afford to begin repayments. 

XXXX ) Another creditor, XXXX XXXX XXXX, who Beyond Finance has claimed refused to communicate with them. 
XXXX ( A ) I received a text message from XXXX XXXX XXXX on XX/XX/year> stating that Beyond Finance has NEVER reached out to them. They have even tried to contact Beyond Finance. I have screenshots of the last communications from XXXX XXXX XXXX that I already emailed to Beyond Finance. 

XXXX ( B ) I had even requested that Beyond Finance pay off my smaller creditors, XXXX and the XXXX XXXX  companies. Beyond Finance refused to honor my request. 

On XX/XX/year>, I canceled my contract with Beyond Finance because of their refusal to communicate with me and their refusal to communicate and negotiate with my creditors even though I communicated with Beyond Finance specifically instructing them to do starting in XX/XX/year>. Beyond Finance had stared in both emails and by phone, that they were reaching out immediately to every creditor I had specifically told them to communicate and negotiate with. 


I had 10 months with no actions on the part of Beyond Finance is a breach of confidence and my contract, not to mention the emotional stress that Beyond Finance has put on me, a XXXX XXXX XXXXXXXX veteran that is on a fixed income. 

This company preys on individuals, especially on veterans. Something must be done about them. If I get sued, I am in jeopardy of losing my home that both myself, a XXXX XXXX XXXXXXXX veteran, and my mother, also a XXXX XXXX XXXXXXXX veteran, live in. What was a debt of approximately {$33000.00} has now turned into over a {$150000.00} debt. 

While I XXXX have been making only minimum payments, I wasn't in danger of being sued, in danger of having to file bankruptcy, and definitely wasn't in danger of losing my home.

Company response to consumer: Closed with explanation