Refresh Financial Inc

I obtained a Refresh loan years ago to help rebuild credit I am now in a position where I am able to obtain credit (just bought a brand new car and refinanced my mortgage for a fantastic rate) and it took little to no time at all I have not had any issues with the services or support and customer service is friendly and helpful when needed I am currently closing my loan as it is no longer needed but I would certainly return if it ever was again I would 100% recommend Refresh to anyone looking to rebuild credit with as little hassle as possible

I applied for a "loan" from this company in November of Went through all the paperwork to find out it is not an actual loan you would be receiving but a savings to help rebuild creditCompletely not what I asked for at allHowever I was not told any of this until I signed all the paperworkI cancelled the loan the same day I filled out all the paperworkI had to email separate occasions and then tell them I would get a lawyer if neededSuddenly I had an email reply telling me my account has been closed as per my request and my account has a zero balanceForward to November 10, when I receive a letter that I have been sent to collectionsUpon trying to get through to this company I waited for minutes to get a person to talk to named John only to have him tell me I cannot talk to a supervisor but one will call me back in hoursWell it has been hours and we got no call backCurrently I have been on hold for more than an hour to try to resolve thisNo one has picked up yet
I have an email from this company telling me my account is at a zero balance and now they are sending me to collections? I am disgusted at the lack of professional customer service and the decietfulness they show when dealing with me

Company Refresh Financial has you sign a contract to have payments automatically withdrawn from your bank account into a trust fund that you will be able to receive in one yearOn top of this, they promise to make reports to the Credit Bureau to improve your credit score
After two payments, I was informed by another consumer that this company was not trustworthy and will not make reports to the Credit Bureau
Based on this, I researched it some more, and found unresolved complaints on their Revdex.com page, each one claiming somewhat the same issue: money being taken, but no reports made to the Credit BureauThey have provided me information and have not provided the main service the product is supposed to do
I think the contract should be considered void at this point for these reasonsI closed my bank account and opened a new one to prevent further payments being withdrawnBut although I have stopped giving them money, they still have an amount owing to them on my

The ladies I was talking to today was amazingI loved speaking with both of them

Although I have approached Refresh Financial regarding a loan, I have been contacted at least 4-times a day since August 28/ As a rule, I never do business with someone who I know nothing about Despite my blocking their number and leaving a message on Refresh's webpage urging them to stop calling me, I still get these annoying calls These people don't take no for an answer, *** ***

I had an account with refresh financial , I closed my account They said I still owed $on my account to have it closed outMy Husband*** paid off the balance using his *** on June 5, and it was approved and charged to his ***
Refresh Financial is still claiming as pre an e-mail on June 8, I still owe $but it was paid in fullI sent email with confirmation and Andre from refresh financial replied, I still owe money , I have proof the payment was approved and charged to the *** *** *** *** ***

Upon receiving a loan from easy financial, I was told from the representative that signing up for refresh financial was mandatoryThey mentioned that at the end of the term I would recieve all my money backI called refresh to towards the end of my term when I was notified that I was not to recieve and money and that I had an outstanding balance for service fees after paying a *** amount into the account*** I still have a outstanding balance and feel that all my money should be returned

I have read alot of reviews and what most ppl are saying I have not experienced been dealing with this company for years And getting ahold of my account manager takes minutes thanks nichole you were a great help today !

I'm writing this complaint because I have honored my end of my *** loan agreementI made the final payment of $via email money transfer on *** - which cleared the remaining balance of $
I have made several attempts by email, asking for them (Refresh Financial) to confirm the receipt of payment and have asked for them to close my accountAs of today's date (***), the final payment still has not been applied to my account
I have corresponded with several customer service rep's via email and I honestly feel like I am getting the run around

I signed with Refresh Financial because I was told I would be able to get a loan and pay it off monthly, I find out that I was paying on interest on a loan I would not receive, *** I was again told that I would be covered under refresh insurance by there customer service rep, I sent in my statements and now there asking If I was employed at the begging of my loanI'm getting nothing I was told I would receive and I want to cancel my contract, I want the money I have been paying into this loan I did not receive yet refundedI did not get anything in return and the funds I have been paying on were not giving to me in any sort of a loan

I had originally found interest in building my credit and after online searching found Refresh Financial - after calling for information I was inform of their policy and business structure building clients credit I was told that after signing up with direct deposit payment would automatically begin debiting with a fixed amount - but prior to my first payment I would receive an online password to access my account at anytime also that a trust fund account for the complete re-build cash amount (covering over a year) which after would be accessed to me to use as needed during this time my credit would begin re-building - but before any payment came out I decided to cancel the agreement due to miss information which was told by the customer service rep *** - I called well before this began being taken out to cancel and was told I c

I was lied too about fees and charges on a pre paid loanI was told by Rickardo H**, that there would be no missed payment fees or cancelation feesI Was also told that if I ever needed to miss a payment it would be no problem and to email him before the payment came out of my accountWhich I did and it still came out amd no way of me getting it backSo in frustration I had told him to cancel the loan expecting my money backI recieved an email stating that I now owe them money.which is the exact opposite I was told over the phone

In ***, I contacted refresh financial to get a boost of my credit scoreRefresh financial representative clearly said that their service would improve my credit scoreA few month later, my credit score has lost points, unlike what has been told to me by their representative

I got an account with Refresh with the promise of monthly payments being reported to both credit bureaus.*** Refresh has not been reporting payments to my ***In contacting them they assured me they would look in to this and that "maybe" sending them my credit report would helpStill this hasn't been reported to my ***Every week I receive an email reminding me of my payment on the Friday, the payment keeps being withdrawn instead on the Mondaytimes now this has caused NSF fees in my bank account and with RefreshA representative has tried to blame this on the bank but in speaking with my bank they have assured me Refresh is removing on the Monday instead of the FridayI have contacted the company to cancel my account since it in no way is benefiting me

The ladies I was talking to today was amazingI loved speaking with both of them

I applied for their financing service and decided not to go ahead with the said applicationThey are forcing me to pay for an administration fee of more than $despite the fact that I cancelled the application and that I did not benefit in anyway from the said financing application as the transaction hasn't been confirmed and finalizedDue to the same application I initially did with them, my credit score has been affected as wellAs per the credit bureau, it shows on their record that I got my loan from them

On May and there were three unauthorized cash withdrawals made on my *** pre-paid credit card with refresh financial
I reported it and the customer service representative said to me that it sounded like my account was hacked
The cash withdrawals are in denominations that you can't get at an ATM
There has been no investigationThere is a $fee for each transaction I want investigated
The agreement I signed has a zero liability policyIt says that I am not responsible for unauthorized transactions
I cancelled the card and then reported the matter to Kingston policeThe person who took the report said to me it sounds like a scam
The case was closed June
I paid to refresh what I owed
I sent a letter to refresh solutions June I am being held responsible for the cash withdrawalsI have not received a reply
I followed their complaint and resolution process by contacting OBSI
OBSI suggested I contact FSCO and FSCO suggested I contact FCAC
The

I requested on *** in writing via email to *** that my payment for *** be changed to the ***
She replied so I know the email was received
The payment was not taken out on the day requested
She did not respond to my email as to why it wasn't taken out and I had to send the emails to *** pointing out that Refresh had yet to take my payment aand the payment date needed to be changed***
So the correspondence was clear and sent back and forthYet refresh simply didn't take their money and reporting that I am an **

***
I talk to the Benjamin and he told me he will stop the payment and they still go tm my account and took money from my account

my name is *** and I have just recently cancelled services with refresh financiali had been with them for about months and today when I called them to cancel they are charging me 35$i started with them thinking I was whats best for me to help me with my credit score and the promise of getting money back from them after the term was done with themi think ive paid over 850$ so far with them and my so called loan with them was for 2300$, so my total for the invisible loan should have brought down and I would have been closer to my goal and getting back what I was promised but I didnt I was paying insurance and interest on something I didnt get told or explainedi hope they can refund me what I have paid them for cuz according to them from the 2300$ my last total from what ive paid so far into this program was 1852$, not even close to what I have put into it