Consumer complaint received 2025-09-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I called into Beyond Finance and spoke XXXX. I requested the payoff amount of my loan and she relayed an amount of ~ {$2300.00}. This amount was called the payoff amount and no other term during our conversation or any conversation thereafter. 

I had ~ {$400.00} already in my account with Beyond plus a regularly scheduled deposit of {$210.00} clearing the same day as my additional deposit. Knowing there was already going to be ~ {$600.00} in the account, I made an additional deposit of {$2200.00} because they payoff amount relayed to me was ~ {$2300.00}. This would have put enough money and then some to payoff this loan in my account. 

On XX/XX/year> I called into Beyond and spoke with XXXX in which we discussed how the additional deposit of {$2200.00} was specifically to payoff one of my loans that I referenced by account number. He told me we couldn't send the money to the creditor until the deposit cleared with Beyond. I said okay and that I would call back when the money cleared. 

On XX/XX/year>, the next business day after my additional deposit of {$2200.00} cleared with Beyond, I checked my account with Beyond to find the current balance at ~ {$1500.00} which was significantly less that I knew should have been in there. I called into Beyond and spoke with XXXX who told me their system " moved up my last fee of ~ {$900.00} because of the additional deposit made of {$2200.00}. She had no idea why the fee was expedited and told me it happens " just usually not that fast ''. 

On XX/XX/year> I called back and spoke with XXXX and requested a supervisor. I explained the situation to the supervisor who told me there was nothing she could do without reviewing the calls in which I discussed the payoff amount and my additional deposit. I requested transcripts of said calls and was told they are " internal information '' that can only be delivered via a request from an attorney. 

Today, XX/XX/year> the supervisor called me back. She said because they gave me the payoff amount, and I didn't deposit exactly the number they gave me, they did nothing wrong. 

In none of these calls was it ever relayed that the so called " payoff amount '' was not the amount needed to be in my account, but the ADDITIONAL AMOUNT NEEDED in full in order for them to pay off anything. When I deposited less than that ( because I was counting the money already in the account as well ) they informed me they couldn't have paid it off anyway and instead took the remaining fee I owed early. Even though without the fee, ( a fee that I was told by XXXX was previously scheduled to be charged at a later date ) there would have been enough money and then some in the account. All of this after I had spoken with XXXX and informed him this additional deposit was to payoff the loan. A conversation where he acknowledged the loan set to be paid off by account number and the additional deposit made for less than they original " payoff amount '' communicated.

Company response to consumer: Closed with explanation