Refresh Financial Inc

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

On *** I obtained a credit rebuilding loan through Refresh FinancialThe amount of the loan was $*** plus a $*** loan setup fee with a fixed interest rate of ***% and also included loan protection of $*** per paymentPayments were to be made weekly every Thursday in the amount of $*** for ** months with first payment to be removed from my account on *** and continuing weekly thereafterUnder our contract the obligations on both parties were clear-I was to make my weekly payments on time and in full every week-that was my portion of the obligation and the obligation on Refresh Financial was to report to the credit bureau each time I made my payment so as to help rebuild my creditAt the beginning of this month (***) I checked my credit report online myself through *** and found that my credit score had dropped from where it was before I initiated this contract with Refresh and when I looked at the details that Refresh had provided to t

STAY AWAYThis company takes advantage of people looking to better themselves and their financial situation, telling them that they are just putting money in a savings account for them that will get reported to the credit bureau to help rebuild credit, and can cancel anytimeWhat they don't mention, is that if you try to cancel, you "owe" them the money you didn't saveIt's criminal and will put you in a worse position than you were beforeI now "owe" them over dollars for cancelling my program, as I had lost my job and was unable to keep up with payments ***Honestly, just open a savings account and get a *** credit cardYou'll be hearing from my lawyer refresh financialId rather spend money to take legal action than to give you any more undeserved money

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

*** I closed my account and withdrew money.I never refer to anyone.for example if we pay around dollars for ten years they will pay back only 1000.If you cancel it before,then also they will take their money 500-dollars approx.***

Back in April of this year I *** into this "Personal Savings Loan" that would rebuild my credit I was originally in need of vehicle finance through Canada drives However somehow instead of being given anything to do with what I was originally needing, I was passed off to this "personal loans" department All if this was happening while I was at workI was told I was approved for an amount like and I was told that with SMALL monthly payments onto this "loan" my credit would increase dramatically in about months I was extremely weary and uneasy and explained to the girl on the phone that I did not feel right about it As I was on the phone with her on speakerphone she told me "Im just going to send you a link and all I need you to do is click on the boxes and then it will be sent back to her" so assuming this was something I needed to check off for no further calls etc I followed her direction After that was done, she said that I was now on their program to

I applied for a secured card card with Refresh Financial They took my application and told me I was approved I was sent an approval email asking to send an email transfer for the deposit I sent the transfer and they accepted it within hours
The email also said that I would receive another email when my card was on its way weeks later after not hearing from them I was told I was declined
They said something about my ID not being valid I sent new ID via email and the rep said they would be following up with their operations team
Two weeks later after hearing nothing I called again and was told by the rep that he was going to follow up with his operations team and get back to me I told him that I want to cancel the application He said he will get the process of returning my funds and get back to me Then nothing, no response I escalated to a so called manager and was told that a cheque would be mailed to me They confirmed the date it was mailed but th

Had problems throughout the duration of the program - it took far longer than it should to correct an issue on their end where they were not reporting properly to the credit reporting agencies (as in the sole service they supposedly provide) the initial setup cost is excessive and the interest rate is obscene since they effectively hold the loan in escrowThey also wanted to charge an early withdrawl fee to access accumulated funds (something they frequently state as being an option) after over a year of payments.) It's impossible to determine what effect they had on credit rating but the type of loan they provide shows up no differently than a student loan
They were aware I had student loans and still recommended the service - effectively selling a worthless product for an insane amount of profit on their end, all the while disguising it as a public serviceAbsolutely would not consider recommending them in any regard, there are better options and they are obscenely exploitative, all the while pretending they're helping you

Refresh financial was promoted to me by their partner Easy Financial who convinced and deceived me into a loan from Refresh financial it was not a loan but a reverse loan calling itself a savings loan taking payments from my account and charging interest on the payments, I never received documentation and when I wanted to cancel I was charged a fee plus extra for no product or service
The company holds the borrowers loan proceeds in a *** in the company's name and collects the interest that should be paid to their borrowers
I paid $and all I received was more costs of NSF charges to my bank totaling $
***

Refresh Financial is the most*** company everI do not recommend it to anyoneThey are so quick to take your money and yet when you call them or want your money back there never anyone over the phone
I got tricked to enroll with them with a loan I took from easy financialNEVER EVER AGAIN IN MY LIFE
Customer service for refresh financial is more the mediocre
I had to call in for weeks before having someone cancel my account and I never got my equity back and the last guy I spoke with today to cancel my account has no respect for customersInstead of being helpful he was arguing with me on how I don't know anything how credit scores works and was trying to force me to stayNO NO NOEver since I have been refresh my credit has not increased, in contrary all it did was decreased and I wasted my money for stupid program that at the end of the day walked with nothing in my pocket but more money for them
They don't even deserve star as ratingWorst of worst experience

Great service and such a help Susan *** was She was absolutely amazing and I have never had someone so patient and helpful before to help me gain towards financial freedom Thumbs up to Refresh Financial because they actually care about their customers!!!

Request for refund declined

I started with Refresh Financial on *** by recommendation of ***I have been paying fees every monthI decided to cancel it, I tried calling them and it always goes on voicemailI called them again today and got a hold of someone named *** with a phone number from ***I said I wanted to cancel it but he said I have to pay my outstanding fees first, I asked him for the details of the fees but he insisted on withdrawing the funds firstI said I have enough funds paid to them to cover for the fees and I actually think I can be refundedHe said I have nothing but an outstanding balanceI said email me the details of the fee first and then I will call back then I hang upHe called me back saying "i know you're not going to call back" and he kept on insisting on collecting the fees - he said he already set it up to be withdrawn even I did not agree to it

I would like to thank Refresh Financial for their professionalism, great customer service and for helping get back to a better financial situationI have always been treated with the utmost respect

Refuse to return my money *** My credit is at what I deem a satisfactory number ***

I acquired a loan with ***They recommended I get a "credit repairing savings account" with Refresh FinancialI agreed to have around $debited from my financial institution in a bi-weekly pre-authorized payment plan
The description of the service/product was very misleadingI was told it would be a savings account with interest and fees being payed to Refresh financial
They made it sound like the fees associated with the account would be low enough to make it worthwhile and that I could call and cancel the account should I choose to do so
Yesterday I called to cancel my account and withdraw the money from my "Savings account" because I can no longer afford the bi-weekly fee of $I have paid in a little more than $so farI believe I have made around or payments of $
When I asked to cancel the account on the phone I was told that if I cancelled now I would only get $back and that this was a "loan" that would be paid to me in ye

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

When refresh financial called me they called themselves ***They knew all of my informationMy social insurance my last address.Then they told me if I sign a few things and send them my bankingI can make a decision and call to cancel anytimeWhat they fail to mentionIs the documents u are signing give you a sign up fee and you have to pay $*** before you can cancelSo I called to cancel and they argued with me first and that's when they told me about the $*** I changed my banking and they hacked my new acct to take money out

In September of I called Refresh Financial regarding a reverse loan to help re build my credit
My first payment to Refresh Financial was September $
*** I called Refresh Financial and ask them to CLOSE MY ACCOUNT
The Customer service rep assured me there would not me any other fees to pay and the account was close
October
I check my credit score view *** and notice a account was open in the amount of $with Refresh Financial, So I call Refresh Financial and was told of a commitment fee of $out standing on my billI told the customer Rep I was told in September there was no other fees and my account was closedShe explained to me there was a commitment fee and I agreed to pay $a month until the Fee was payed in fullShe also explained to me that Refresh Financial will be taking out the money automaticallySo I thought
December
I check my credit score view *** my score fell b