Consumer complaint received 2025-04-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
Subject : Formal Rebuttal and Escalation Complaint Against Beyond Finance Dear [ Agency Name / Representative Name ], I am writing to formally escalate my previous complaint filed on XX/XX/XXXX, against Beyond Finance. Although the company submitted a response, their reply failed to address the core issues I raised, ignored substantial evidence I provided, and misrepresented key facts. The matter was marked as closed without resolution, and I am submitting this rebuttal as a formal continuation and request for further investigation.

Attached is a detailed rebuttal outlining the following : A confirmed retracted settlement offer resulting in increased debt Unfair and unauthorized fee withdrawals Failure to retrieve or release my enrollment call Misrepresentation of savings and program promises Evidence of regulatory violations including UDAAP, TSR, FDCPA, and EFTA This situation has caused severe financial, emotional, and legal distress, and I am requesting appropriate corrective action, including a refund of fees and release from the program. I urge your office to review the full details outlined in the attached document and investigate Beyond Finance for ongoing deceptive practices. 

Please confirm receipt of this complaint and let me know if any additional documentation is needed. 

Sincerely, XXXX XXXX -- -- Subject : Response Rebuttal : Beyond Finances Failure to Address Core Issues, Evidence Ignored, and Regulatory Violations Continue To Whom It May Concern : I am submitting this formal rebuttal to Beyond Finances inadequate and dismissive response to my complaint filed on XX/XX/XXXX. Their reply entirely disregards the evidence I have provided, misrepresents the timeline, and fails to acknowledge the financial and legal harm Ive experienced due to their unethical practices.

Key Points Ignored by Beyond Finance 1. Retracted XXXX Offer Confirmed by Employees Two Beyond Finance representatives ( Shawnice and Raiza ) confirmed a {$6200.00} XXXX settlement offer. Beyond Finance later falsely denied the existence of this offer. 
On a recorded call, XXXX XXXX refused to review my proof, demonstrating either negligence or intentional obstruction. 

XXXX. {$3500.00} in Additional Debt Caused by Beyond Finance Due to the retracted XXXX settlement offer, the final XXXX settlement became {$9800.00}, increasing my debt by {$3500.00}. 
Beyond Finance offered a refund of {$3500.00}, which they described as an act of good faith. However, this offer failed to adequately address the damage caused by their actions and did not provide full compensation for the harm incurred. 
Despite assurances that the original offer would be reinstated and corrective action would be taken, Beyond Finance did not follow through, leaving me with increased debt and no fair resolution. The refund was insufficient to fully rectify the situation, and their refusal to offer a true solution reflects a failure to serve justice. 

XXXX. Unfair Fee Withdrawals Without Consent Without disclosure or consent, Beyond Finance withdrew : {$4800.00} ( in a single lump sum labeled as Offer Payments in XX/XX/XXXX ) -- - However, this amount did not go towards the intended debt settlement offers, but instead {$3900.00} was allocated as Beyond Finance fees, which were neither disclosed nor authorized by me. 
{$1600.00} for Discover-related fees was withdrawn the following month without notice or disclosure in XX/XX/XXXX ) These actions violate the Electronic Fund Transfer Act ( EFTA ) and the Telemarketing Sales Rule ( TSR ). 

4. Misrepresentation of Fee Structures and Verbal Agreements Supervisor XXXX and other staff confirmed I was eligible for fee waivers and reductions. 
These promises were not honored or investigated and were later denied without explanation. 

XXXX. Disputed Fee Amounts and Mathematical Inconsistencies It was stated that in XXXX, {$3900.00} in fees were taken for XXXX XXXX. On a recorded line, XXXX XXXX XXXX said the correct amount was {$3900.00}. 
She also claimed {$500.00} went to XXXX and {$300.00} to XXXX, leaving a {$75.00} discrepancy in the {$4800.00} withdrawn. 
Alternatively, if using the {$3900.00} figure, there remains a {$0.00} discrepancy. 
Additionally, the new XXXX payment plan changed from $ XXXX for 9 months to $ XXXX, without my consent or disclosure that approximately {$1500.00} in Beyond Finance fees had been rolled into those payments. 

XXXX. XXXX Account Moved to Legal Status Without Notification Despite paying over {$28000.00} into the program, Beyond Finance failed to notify me when XXXX XXXX escalated my account to legal status. 
I only discovered this after contacting XXXX directly. 
I demand to know : When did Beyond Finance become aware of this? 
Why was I never informed? 
Is this standard or legal under your contract?

7. Failure to Retrieve and Provide Enrollment Call During my interactions with the manager, XXXX XXXX, I was informed that the retrieval of my original enrollment call had no clear timeline. XXXX explained that the department received a high volume of requests, which was causing delays. This lack of a clear expectation has delayed the resolution of this issue, with no sense of urgency or prioritization provided. 
This call is critical for verifying the misrepresentations and false claims made at enrollment by recruiter XXXX XXXX, including the projected {$15000.00} in savings and promise of 50 % settlements, which never occurred. 

Given the discrepancies, misleading information, and emotional, mental, and financial distress caused by this situationpreventing me from properly caring for my XXXX children under the age of XXXX as a single motherI am requesting a refund that reflects the initial savings that were promised but not fulfilled. 

XXXX. Overpayment into Program {$28000.00} Paid Toward {$28000.00} Enrollment Amount I enrolled in the program for a total of {$28000.00}, yet I was charged {$28000.00}, which I noticed and pointed out myself. 
Beyond Finance acknowledged the overpayment and offered a {$79.00} refund, claiming I wouldve gotten it back at the end anyway. 
A supervisor ( recorded on a separate call ) also stated this happens frequently with other clients, raising serious concerns about systematic overbilling and lack of real-time tracking or disclosure. 
If this is a known and recurring issue, it signals either : A failure in internal financial systems, or An intentional practice of holding unearned consumer funds, which may violate UDAAP standards under the Dodd-Frank Act.

Request for Resolution 1. Request for Immediate Release from Program & Refund of Fees I request that my total balance be adjusted to refund {$15000.00} into my dedicated account, which includes the following fees : XXXX XXXX fee : {$3900.00} XXXX fee : {$1600.00} Discover offer retraction : {$3500.00} Given the misrepresentation and false claims made by recruiter XXXX XXXX ( including projected savings of {$15000.00} and the promise of 50 % settlements, which never materialized ), I am requesting that the refund reflect the initial savings that were promised to me, which were never delivered. 
This refund will allow me to directly settle my debts with my creditors, using the existing resolution offers already in place. I will cover the remaining amount of {$1100.00} to settle both debts in full. 
I request that the refund be reflected in my dedicated account within 10 business days from the date of this request.

Math Breakdown : Total funds available : Refund amount : {$15000.00} ( reflecting the promised savings ) Current balance in dedicated account : {$5100.00} Total available funds : {$20000.00} Total debt owed : XXXX : {$9800.00} XXXX XXXX : {$11000.00} Total debt : {$21000.00} Remaining amount to be paid : Remaining balance to settle debts : {$1100.00} I further request that the remaining {$1500.00} fee be waived, as this fee has ceased. 

Upon receipt of these funds, I will immediately pay off both creditors and exit the Beyond Finance program. This will allow me to manage the settlement of my debts independently, without further interference from Beyond Finance. 
2. Release of Original Enrollment Call Including all documentation and verbal representations made by recruiter XXXX XXXX in XX/XX/XXXX. 
3. Review of Recorded Conversations I request regulatory review of calls with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX they include critical evidence of misrepresentation, refusal to honor promises, and contradiction of internal records.

4. Investigation into Broader Pattern of Abuse Based on ongoing de

ception and harm to consumers, I believe Beyond Finance may be in violation of the following : Dodd-Frank Act ( UDAAP Unfair, Deceptive, or Abusive Acts and Practices ) Fair Debt Collection Practices Act ( FDCPA ) Electronic Fund Transfer Act ( EFTA ) Telemarketing Sales Rule ( TSR ) Communication Protocol & Supporting Evidence I formally request that all future communication be conducted via email only.

Please confirm receipt of this rebuttal and address all the above points. 
Attached is a screenshot from Beyond Finances program summary that misrepresented the actual savings and timeline.

I have also reported these matters to the CFPB, the Better Business Bureau, and the Office of the Attorney General for the State of Pennsylvania.

I urge your office to investigate Beyond Finance for ongoing deceptive practices and financial harm. Their response to my original complaint is not only inadequate but reveals a systemic issue that must be addressed to protect consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation