Refresh Financial Inc

Refresh Financial's secured *** ***You send them the $deposit for what they tell you is a secured credit card, but when I noticed there was no notation regarding Refresh on my credit report via apps like *** (several months later), I got concernedI read some other reviews on this site and saw that someone said they checked into things, and Refresh ***'s BIN number (the first digits on the card) correlate to a *** ***, not a *** Credit cardI checked for myself and yes, the card I had was only a debit card, no better than a pre-paid card you can buy at a storeI called to cancel and was disconnected twice, and told lies about how "some cards were issued with the wrong numbers, that show up as debit cards.." what?! Utter nonsense

I signed up to this program to help rebuild my creditThey were withdrawing money from an account I do not use and it was ending up costing me NSF charges
I attempted to resolve the issue by demanding that they reimburse me for the NSF charges and that I end the program I was participating inThe company failed to inform me that there was any issues with the withdraws, and according to their own policy as per the person I was speaking to, they are supposed to send an email or txt message days after a NSF charge occurs
At this time I was informed that I would owe $*** for ending my agreement with RefreshDuring the set up of the program, I was never informed about any set up charges nor have I received any cash from Refresh to constitute a loan, which I never received***

I got numerous calls and emails from Refresh Financial and finally picked up and spoke with a rep named *** regarding a secured loan I signed up with a refresh financial in *** to improve my credit score and help increase my future financial successthe pre authorize payment is $*** bi weekly for yearsFirst Payment was *** and last payment was *** What *** failed to communicate with me was there is an administration fee I have to pay prior to actually saving anything.I would have never agreed to the loan if this was clearly explained I called to Cancel the loan spoke with *** first I was told that I have to pay $*** then I objected and He said $** he told me that it is for them reporting to credit file ***, I told him I dont see refresh on there he told me that they are behind *** ***

I got this card to help build my credit and it's a total waste of time!! The card only works when it wants to even when there is available credit, they also have not reported to my credit Beureau even tho I have had it for a few months! Also every transaction you use they do a pre auth so if you don't have double the amount you are trying to spend available it will be declined! Honestly don't waste your time or money on this card!

In May I signed up with refresh financial to better my credit ratingI have faithfully given pre authorizes weekly payments out of my bank accountI was promised all money back at the end of yearsIt is now well passed yearsRefresh financial has continued to withdraw from my accountI cannot get a hold of anyoneThe phone number provided disconnects two seconds into the callI have emailed the email address provided and have not gotten a response

Refresh Financial has made us more aware of how to take care of our financial situation and be more responsible and make payments on time is rewarding in the end for credit Thank You Sincerely

after a long conversation with a representative, I was made to feel like this was a good ideabut I was not complete informed that what I was signing onto was a three year contracteverything else was well informed but when I read into it more after I had signed up I quickly realized that it was for a much longer term than I wanted or requiredI quickly asked to have it canceled and seem to have got out of it but not with out some pressure and intimidationI do believe this could be a good service not a loanessentially that what it is, a serviceyou pay so much to have them send in good reports on your behalf and then get a return once your term/ contract has endedif any one decide to go this route please realize that you are signing a three or more year contract for a service

I was contacted back in by a company called ***, they offered me a limited-time promotion of a secured savings loan through their partner refresh FinancialI told the representative I am not interested do to my employment being seasonal, I was then notified that there would be no problems due to extra coverage through insurance and if there was a missed payment the insurance would then cover the payments from there until I had returned to workAfter a few months had gone by and NO report was sent to aid with my credit score (as I was told each payment made on time WOULD BE REPORTED, this is not the case) I then inquired on cancelling and was then told I would have to pay another $plus in order to do so, as I was realising I was paying this company for nothing other than to ruin my credit o then got into contact again with them asking why I am paying for nothing, the only answer I got from them was that I had signed the contract and that I was obligated to pay,

YIKES!!!!! The *** man from Refresh Financial that took my call was not helpful at allI had to hang up on him because he wouldn't let me talkHad the *** man listened and talked to me like I was a human being, I would be writing this review
I called Refresh Financial when I noticed my credit score with *** was lower then and the rep at *** said my credit score was lower because Refresh Financial hasn't reported my payments since June ***
I make all of my payments like I agreed and its the ONLY company that hasn't been reporting payments monthly to ***
I went to Refresh Financial because I wanted help rebuilding my creditThis company is not helping at all! I never get calls back, I don't hear back when I email them
Refresh Financial reported my, May *** payment on June ***!!!!!
Id like to note that my credit card and car loan payments are reported monthlyMonthly!
This company needs to make some huge changes to help the customers that are counting on them for the help they are offering
In my opinion, this company does NOT help you repair your credit I have MAJOR regrets having this company "help me"

I have had a great customer service experience from day I also decided to start making payments early and the customer service representative (Andrew) contacted me to verify that this is what I wanted to doNo company has ever done this for me and I am pleased that he went above and beyond to do this! I have nothing negative to say at allThey are there for their purposeTo fix your credit

Back in I went to *** to get a loanI was getting $i was agreed to pay bi-weely basis for month termsThen they asked to signed up for refresh financial program which I will get deducted $bi-weekly and will get the money back after one year and it would improve my credit scoreAfter making around $i decided to cancel my account cause I didnt see any progress in my credit rating and plus I wasn't looking for any saving cause I already have TFSASo I want my money back as I cancelled my accountI called the ***,they claimed that it's different company eventhough I got this service through the loan they issued to meSo after quite sometimes I finally get in touch with DAN, he didnt listen my complaint just came up with the solution that he now has closed my account without refundHe was kind in a hurry and did not trying to solve the problemI was so dissappointedNow I still dont get my money back and my credit score never been improved by

I have been with Refresh Financial since June and recently lost my job so I called them today to cancelThe lady on the phone said I wouldn't get anything from them, even after giving them (l call it wasting) $in under a yearWhy? Because of the fees that have been paid with the paymentsThe fees were not mentioned at any time during conversations during the set upSave your money and invest in a GIC yourself, savings account or keep your cash under the mattressIt would be much safer and in the end you'll have something to show for itMy biggest concern is the impact on my credit scoreI will be keeping an eye on that

I was *** into believing that they can help me rebuild my credit historyThey didn't really explain me much, but since my history has been damaged, I really wanted this to be fixed somehow, so I decided to start the collaboration with Refresh FinancialA few months later, when I realized that I was paying much more than I was supposed to take back from them, I decided to terminate the contractI called them and told them to stop taking the money and to have a refund for the money I had invested*** I never gave them permission to do so after the terminationNow I don't know what to doThey never gave me any money back and keep taking money from me without my consentPlease help

This service is used, and paid into, to increase my credit score by them reporting my perfect payment history on a monthly basisThis company has not been reporting on a monthly basis and is in fact months behindMy credit score should have been way ahead by now, as promised, but is NOT! Inow order to resolve my issue, the manager *** just wants to Forward me to ***, which has nothing to do with Refresh Financials reporting to the credit bureau and he refuses to refund my money as I askedHe insists I wait days for them to catch up which is not what I want as my credit should be where it would have been had they been reporting monthly as they had promised me! I will be suing Refresh Financial for every dime I have paid them if they do not refund me by ***!

I had got a loan through easy Financial and got all the bells and whistles including the Refresh financial stuff back in April and as of yesterday March I was told I would be receiving $back from Refresh, I had paid out my loan for easy financial back in May and as I was told Refresh would hold onto my money which I paid about $every weeks since April until March 16th which I terminated when I found out what I maybe getting back

I was contacted by Refresh in regards in a saving plan that was suppose to help boost my creditThe agent was orginally trying to sign me up were I would take out a loan which I would have to pay on monthly, and I did not like that ideaHe than suggested the savings plan, which I could cancel at anytime, and any money they collected from me I was able to take it out at anytime
That was far from the truth, the individual signed me up for a $loan which I did not agree too, they go into my account almost every week taking out $which I did not agree to, and hitting me NSF fees and do more damage to my creditThey never sent me anything in the mail to sign or via emailAs soon as I noticed what was going on I sent them an email stating I wanted to cancel because it wasn't what I was told I would be signed up forThey informed me that I wouldn't be able to cancel that I would have to pay back the outstanding balance which would have been $
I have been calli

I have a credit rebuilding loan with refresh , and up until a month ago I have had no problems
They have recently become in contactable
They will not answer the calls or emails I send through
It is worrying me

Refresh financial is great!!! They boosted my credit score, helped me save money and helped my husband and I buy our house;) I was not only a number to them, they stayed in touch and helped me out along the wayAnswered all my questions and concerns

I have requested that my program with Refresh be cancelled as it has yet to commence the initial paymentI have sent multiple emails and have had no responseThis company acts in disingenuous ways and does not explain the contract before rushing you through the digital signing processBen C*** who was my point of contact outlined they would be paying 5-8% interest on the money paid into the program, however, when reading the contract, I would be paying $in interest over years for me lending Refresh money

1.Refresh Financial *** me money for a whole year drawing from my account at a rate of $45/month
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Refresh Financial offer its clients to help build credit bureau by paying off a no given loan, charging interests on non exixisting capital, base, or principal
Refresh financial charges a non explained commitment financial fee, and interests upfront, and report to credit bureau as loan provider while it is not
Request:
Full refund
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