Refresh Financial

I signed up for this program through my loa officer at [redacted] .She advised me of this company and that they would be able to help me rebuild my credit with a savings program that would be able to establish,through a small bi weekly amount of direct debit,report to the credit bureau,my payments and after a time be able to withdraw money from this account like a bond account.She advised me that it would be like a forced savings account or an investment account.I ahd no idea what it would be like and the initial paper work I recieved was a page form along with was an authorization for direct debit from my account.It wasn't until months later that I discovered in the paperwork I was sent from Refresh financial that my "savings" account was writtin up like a LOAN,and that I was in fact written up for a [redacted] dollar loan over a year term,and would NOT be able to access any monies from it for a LONG time.I questioned it as soon as I got the paperwork and got the response that it wa

I have been a client with Refresh for almost 3yearsI have a loan intended to improve my creditUp to this point, customer service was excellent and I had no complaintsYou can withdrawal funds from your loan and I decided to do so mid November of this year to get funds for ChristmasThe agent talked me into waiting until December 1st to process it to access an extra $He said he would process the withdrawal and there would be no need to call backWhen I checked on Dec 5th, it had not been processedI spoke to another agent who processed it at that time and I said I would receive the funds in 7-business daysIt did not arriveI called today, December 20th, and was told it will be a further 5-business days which will mean the money will of arrive after ChristmasI made arrangements in time and was guaranteed if I waited until Dec 1st that the money woukd be inRefresh Financial did not follow through on processing my withdrawal Dec1st and further never notified me of

I thought I was getting a loan Instead it was a [redacted] yr contract to rebuild credit I did not receive any money from them but am paying approx $ [redacted] month [redacted] I tried to cancel but kept being told to call back When I did I was told I would have to pay $ [redacted] to cancel I did not have that kind of money at the moment, so they said they would lower my payments I wanted to cancel without paying $ [redacted] since they already have $***+ from me I put a stop payment on them and was told by them that if I defaulted it would be sent to collections [redacted] I did not understand what it was about I was only trying to get my credit score

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

I obtained a loan from [redacted] , which I asked in advance before signing the paperwork if there was a penalty in paying back the loan within the next few months as the last derogatory information (from my [redacted] being killed from by a hit and run driver) was dropping off my credit files in [redacted] of this yearI currently have a traditional credit card and a secured credit card which have helped with rebuilding my credit so I have no need for this savings loanThe rep stated I could pay it back in full with no penalty at anytime so I proceeded to sign the contractDuring the signing process the rep went through the paperwork very fast and discussed mostly the payments, a [redacted] account that was included with a discount and briefly how they reported monthlyNot once was the name Refresh Financial discussed and that I was entering into a "savings loan"This week $ [redacted] came out of my account for Refresh Financial in addition to the first [redacted] loan paymentSince them I hav

I started this loan back in 2015, and this has been the worst experience I've ever had with a companyOnly a few months after I signed up, I couldn't afford these bi-weekly payments, and I was not made aware of these ridiculously high NSF feesthe're are fees around every corner with the NSF fees are greater then the initial paymentSo, I wanted to close my accountI was told that closing my account was easy and I could do it at any time, but when I tried to close it I was told of another feeThe only option I had was to decrease my loan amountFor three years now I've done nothing but make payments to this company, and all that I have is an insane arrears balance with more interest rates I will have to payI'm left owing the company money

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

Hello, I wanted to discontinue their service but the customer service representative told me that I have to pay an cancellation fee of $100+ which is indicated in the contract I signed But when I checked the contract it doesn't say anything of cancellation fee at all please do help me with my problem, because I don't wanna pay such amount that they are charging me Thank you very much Product_Or_Service: Credit Rebuilding Order_Number: ***-XX-XXXX-XXXXX Account_Number: ***XXXXX

I applied for what I thought was, a credit building program to help improve/build my creditI was working sometime before the loan application then recently was out of a Job(which I then emailed them [redacted] and said that I am out of a Job and cannot proceed with the program, and ask that they cancel the program for me)Shortly after I kept getting emails, that my account was in arrearsAlso when I sent the email no one responded or was in contact with meThen yesterday I received a email stating that, if I do not pay $ [redacted] in days I will be sent to collections and it will damage my creditalso they are asking me to either e-transfer the money or call them and "auto-debit the money from my account

In I was recommended Refresh Financial services as a way to re-build my credit scoreI called in to inquire about their service and was convinced that it's one of the best ways to improve my creditIn May I signed up for one of their secured savings loan programs where I was supposed to pay $per month to Refresh Financial towards my savings accountThe way they explained it to me was that I will pay them for years and after my program is over I will get my money backI was paying my monthly payments for over a year until things got really bad for me financially and I could no longer afford sending them moneyIn November I filed for bankruptcy and completely forgot about Refresh Financial program because there were other things to take care of at the moment that were more urgentNow that I am out of bankruptcy, I was going through my [redacted] credit history and saw Refresh Financial on my accountI remembered that I had sent them money to save up for me that was

This company [redacted] 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 [redacted] 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 [redacted] the manger extention [redacted] 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

I signed up for this secured loan quite some time ago and have paid into it faithfully My rent was raised considerably and I need to cancel my loan I have requested repeatedly to cancel my loan and the first person said no problem at all your refund will arrive in 7-business days Nothing came, except an email letting me know another payment will be coming out of my account I called back to ask them why and I have been getting NOTHING but games from the reception, they tell me yes your rep is available and they transfer me and of course its voicemail NO one will actually talk to me and work towards some kind of resolveThey tell me leave a voicemail Send an emailblah blah blah, Ive been playing this game with them for three weeks and still NO RESOLVE! I want my $$ that I have accumulated and I want the payments to stop!! No one there has the [redacted] to call me back! I am done No I don't want to leave a voicemail for my Rep OR their supervisor, NO I do not want to

I was paying into refresh financial for a loan which i've made successful payments and my loan only dropped not even bucks, the payments il've made were I'm really concerned I've been trying to call but only left with a voice mail, I've made emails attempts but no response This is a clear sign of suspicious dubious sign of a ***I work hard for my money and I've completely lost all respect for this company I went throught easy financial in which I was brought to refresh financialSTAY AWAY from refresh financial

When I was first approached about the refresh program in [redacted] about the rebuilding program I understood that I would be paying bi weekly for years [redacted] [redacted] I went ahead to get a car loan in this process I found out that the refresh program was not reporting at all on my creditIn good faith I assumed maybe to soon I was still approved but with an extremely high interest rateIn [redacted] when going over my finances with my bank [redacted] [redacted] I tried contacting refresh to get some answersIt took hours to even get ahold of someone at there office plus leaving several messages [redacted] Pho

This company has been nothing but fantastic They have gone above and beyond to help me This program has given me the relief and peace of mind I need I would certainly go back to them and give them names of people who could use this

''''''''' [redacted] do NOT recommendI signed up for a program to fix your credit through this company on August 8th, than immediately after thought it through, called back and canceledThen two weeks later they took 75$ out of my bank accountI called them immediately, and they said they had no record of me canceling, but that the money would be refunded no later than TODAYNo money has been returned, so I called again, and apparently they have no record of me wanting a refund? And then I received an email saying my account has been canceledToday*** I have been instructed to wait for it to be processed, with no indication of how long that could take

Refresh Financial had been exceptionally good to me! I've just been out on medical leave and they have accomodated me with my payments without hesitation!! I was in a really bad spot with my credit and they have helped me to try and correct it!! Bravo#!

Not a business to be trusted and I wish I would have checked with the Revdex.com before signing, Back in May I went to [redacted] to get a loan in order to pay off some debts and rebuild my credit as no banks would touch me with a low credit scoreI was accepted for a cash loan and was offered an "Extra" way to rebuild my credit and save some money at the same time by using Refresh FinancialI was told that for a small bi weekly payment this company would say I had a loan from them and report my payments which in return would build my credit score and at the same time bank some cash to be used as I seen fit at a later dateSo after this past weekend I heard some negative things about Refresh and decided I would look into it for myself (usually when hearing negative things its because someone isn't paying there bills) Here it is Oct and I have found out that I have nothing saved at all yet, my credit rating has stayed the same and that I still owe in a commitment fee before I will start to see a savings amount at allSo there it is a [redacted] loan given to me ( I call it [redacted] as you do not get a loan they just say you have one), continuous bi weekly payments paid on a [redacted] loan, interest of 15.99% on a [redacted] loan, all to find out that I owe a commitment fee for signing onto this ***Now I was talking with a rep yesterday and he has assured me that if I pay the commitment fee in full and cancel the contract that it will show on my credit history that the loan account has been paid and closed but have heard from others that this will not happen and that even after they get their commitment fee they will make it look negative as they do not want people to opt out early [redacted]

I signed up for Refresh in efforts to rebuild my creditAll my payments have been made on time, and in fullIt took four months to finally report to the credit reporting agency, even though I was told it will definitely be up there after daysNot only did it take four months to report to [redacted] , when they did report it, they reported inaccurate information on the loan amount, (reported 5500, even though it was reduced to 2300), they also neglected to report the payments for the months of [redacted] and ***Only reported ***The other issue is, that my credit score DROPPED [redacted] points, when I was told it would benefit my scoreEvery time I tried to cancel, they [redacted] me into staying with the program by saying I've done so well, and when I see it on my report, I will be happy with the results!!!

[redacted] 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 [redacted] 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 [redacted] SIGNED: LOYAL CUSTOMER [redacted]