Refresh Financial Inc

The employee (Tammy M***) is not reliable, doesn't respond to written and recorded requests for service regarding my financial portfolio in a timely mannerI find this company confusing to interact with and feel that they dodge my repeated requests to close my and wife's "savings loans" which we no longer wantThe above mentioned employee did not even respond to my wife's written request to seek guidance on closing the loan and estimated time of the return of our fundsI try to call her and she doesn't answer or I'll get an email response that doesn't answer my initial question but only sets up an excuse and estimated time she might be available by telephoneI find this extremely irritating and concerning since I've entrusted this company and this person with my financial informationAs if this date- Nov I've yet to have my issues resolved with this company nor do I have answers about the money I've entrusted to "Refresh Financial." Also, it took months to recieve the $

I was not explained in full detail my contractI was not told how much I had to pay for the loan in total, only what I was to pay a monthI was told that in months I would see significant change in my credit, in which I did notWhen I phoned to discuss my issues, they did not re explain anything to me, or help me with my problems, even when I sent repeated emails

September
-I call Refresh Financial Inc and open a account to improve my credit score
- After reading reviews online I called back to cancel my account
-I was told over the phone that the account was closed and no longer need to make payments
- I also received a email saying a balance of on the account
October
I checked my credit score view***
Refresh Financial Inc open a account in the amount of $( news to me I figured the account was closed and no longer needed to make contact with Refresh Financial )
-I called Refresh Financial Inc and learned that the $commitment fee was due
considering R.Fhad all my banking information I asked the Costumer Service Rep to take $a month to cover the $commitment feeShe agreed and I did aswell
December
I check my *** account to learn off a missed payment in the amount of dollars interest and my score fell by points The account in question .."Refresh Financial Inc"
-I call Refresh Financial and get the run around and basically telling me It is my fault that the account is in collectionsI explained to the Customer service Reps that a agreement was made that $was suppose to be withdrawn from my account and sent to Refresh Financial Automatically
- After numerous calls and nights of loss of sleep over the drop in credit score , I was able to contact them and agree to pay the $commitment fee on December
the problem is they never took that out of my account I called the bank and they said there was no request for payments
now my credit score is ruined by points im out $and im depressed because of the actions of Refresh Financial

Is this even a real company? I have now paid months worth of this Credit Rebuild program and I have yet to see any value from itI still haven't even benefited from the credit monitoring subscription (which I'm paying for) after several failed attempts to simply get them to mail me the password
I honestly thought at the cost of $per month to fix my credit it was a good deal, but Refresh Financial Inchas done nothing to actual provide any valueIt should have been simple, I pay them money and they post it as a payment historyBut they don't even show up on *** (which they don't mention during sign-up)
I've just sent them an email to cancel my subscription but after reading all these negative reviews, I'm really not looking forward to the headache
My opinion, just stay away and save your money

Tried to cancel, was told we would have to pay $*** (for each me and my ***) or be sent to collectionsWeren't upfront about any cancelation costsPressured us into singing right then and thereWanted all paperwork emailed back to them while they were still on the phone with usNothing had been sent to the *** to help improve our credit scoreWhen we called, it took multiple days to get a call backWas threatened with them hurting our credit score if we didn't pay then money right away

In *** of this year, I was searching for a small loan In my search and applications I received a call from refresh finacial saying they could give me that loan and repair my credit at the same timeI was then informed that I will not receive any amount of money from these people for years and that I would be paying upwards of 4700$ with the promise of 1700$ back after the *** yearsI kept advising the man on the phone that this was not what I wanted or needed I needed a loan immediately, not in years I was then put through to someone else who *** would not stop insisting that I take this loan I did not agree and did not sign any documents However, a payment was taken out of my bank account and when I emailed them and said I did not approve this and wanted it cancelled, I was asked for 500$ to get out of it as I obviously did not have 500$ I then spoke to a different person at *** who was further pushy and said he could decrease the paymen

This company offers loans to people they say they rebuild peoples creditI understand the set up fees but they say there is a interest rate I understood that was interest on my money I put in but they are saying its there moneyI went to close my account today understand the $*** set fee and I put $*** into the loan and they are still saying I owe them *** more

The experience was great due to the professionalism and friendliness in which it was handledThe account manager was extremely was upfront with all the information and made sure I was confident of the service would be provided

This company makes it seem like they will hold your money for you for three years and report to your credit bureau and after give you a loan for a lower rate
However they actually charge you percent to hold your money for you plus an admin fee
I paid over months
After cancelling I got back dollars
So basically they took dollars for holding my money and didn't even report to the bureau!
So I paid them for nothing at all!
I can't believe they can get away with this!!!
They say it In such a way it sounds great then they give you a bunch of paperwork to confuse you
***

I signed up for a service which I was told would rebuild my credit immedietly after the first payment...I made payments and watched my equifax credit score...nothing changed on my score so I stopped payments.....I was given information when I signed up..now they are requesting $*** to cancell my account
Bottom line was I was lied to and told information...and recirving *** phone calls from this company more than times a day

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

This company *** told me this was a savings loan where my money would be house they would update my credit score and at the end of the term give me back my moneyThey also state that I could stop at any time and I could get back what every money I put into the savings because it was my money
After the first payment Made by email money transfer on *** 24th I requested to stop, in which they continued to tell me I owed them money for a loanI keep telling them it was a savings and they insisted that they went out of their way to get me a loan *** the manger extention *** contained to tell me I have to pay and told me I've never paid but I have records of the payment made in ***This company continues to put a bad debt loan on my credit and wants to take my money for a loan that was never given to me and I am being told after they take my money they will give me a loanToday I was told if I requested to stop they would of been happy to but that never happens and I was al

Told me they didn't send notification by mailSent me to collections with out notice

*** DOESNT REPORT TO EITHER BUREAU AS PROMISED AND STATEDWORKERS COMTINJE TO APOLOGIZE AND MAKE MORE PROMISES AND EVERY MONTH IT STILL DOESNT REPORTOVER A YEAR LATERMY ACCOUNT IS 50$ OVERPAID SO I AM CANCELLING THE CARD AFTER A YEAR OF *** PROMISES ADVERTISING AND A CUSTOMER SERVICE TEAM THAT HAS NO IDEA THE FIRST THING ABOUT FINANCE OR COMMUNICATIONI WILL GET MY 250$ BACK AND I THINK ILL REQUEST MY MONTHLY FEE BACK TOO AS THEY DID NOT DELIVER ON THEIR ADVERTISED AND REPEATED PROMISESDONT DONT DONT BOTHERAny money I have paid in interest I'm reqesting back as well as All monthly fees and my 200$ deposit as well as the 50$ I overpaid the account putting it to -49$ meaning 250$ available dollarsAlso I may seek other compensation as a result of their advertising my credit HASNT gone up as promised as they DONT report to EITHER bureauIt's a ***to take money from unsuspecting clientsITS ALL A ***
SIGNED: LOYAL CUSTOMER ***

*** They say your applying for a loan there isn't any loan all your doing is giving them money and they will give you a tablet this doesn't work at allAt the end of your so called term you can get a loanNot from them and your money you give them goes to them not for a service*** my credit shows I have a loanI don't have a loan with them I was just ***Don't trust them

I've been a customer of Refresh Financial since ***My first payment was made on ***My motivation for enrolling in their savings loan program was to assist with rebuilding my credit as this is what they promote their program to doTheir loan documents claim that they report loan payments to the credit bureaus on a monthly basisTo my surprise upon checking my credit reports, my loan payments and loan balance has not been updated/reported since ***Therefore, not helping to improve my credit in any wayI make two (2) payments of $*** per monthI have never been late or have missed a paymentI have contact their Customer Care department on numerous occasions only to be told that they are still working on the issueThis is totally unacceptable and I will not continue to pay for a service that I'm not receiving

I called to cancel and they tell me that I was paying for loan but wasn't getting any money and still want me to pay for what they call paper work

They haven't been answering phones in months , it will just end the call , if u call any of there contact numbers , I have payments that they take that is for building my credit An soon the payments should stop but I can't get a hold of anyone to do make sure they do , they still are available to take money from me but they can't answer calls starting to look like a fake company to me In few months they have to pay me back part of what I paid into it , I been calling for months every day trying to contact them

I had a loan in which payments are made up front before you receive the loan which is supposed to help build your creditI was not informed that if there are debts in collections it will not help your creditAfter discussing this with a debt relief company I cancelled the loanI had paid over $*** into the loan and when cancelled only recieved $*** dollars in returnAfter tacking on multiple fees and *** payment return for payments that were never supposed to be taken outThey kept over $*** ***

we signed up with Refresh Financial a couple years ago this was to help build our credit up as we went into bankruptcy years ago, this has help build the rating up enough to purchase a house , we had the money before through an inheritance but our credit rating was not good enough , both my husband and I were working but that was not enough this year we bought a house , and I got a dodge van , I needed the vehicle to keep working , I do not think it was a mistake to buy the van ,but with that payment and getting it ready for the winter - Tires and the extra for the house for winter made us short on money when my husband was not working with the contractor - he still has a job but only 1-weeks a month for the winter , we had to cancel the refresh payments , I wish we did not have to but with the extra we were paying for this made a big difference in our household budget
in the long run the Refresh Program was the best for us and We have told several people
and really believed this has helped us