Refresh Financial Inc

Excellent service Refresh financial is an amazing program to help people get back on their feetI was rock bottom with nowhere to turnMy credit was beyond poorThe simplified and easy payment plan arranged by easy Financial was extremely manageableThe savings payment amounts are so minuscule that you don't even notice the money missingAnyone who holds any sort of stable income can benefit from this The best thing about this program is that saving money and building your credit are in tandem Within just over a year my credit was establishedI've purchased a house and I can basically obtain any loan I want nowThe ability to know that you can get yourself out of a jam at any point is simply peace of mindI have established good credit nowI know if I need an emergency loan I can obtain one easilyThe stress and burden of a poor credit report can be depressing and frustratingI'm very glad I discovered this program because being stressed out over my credit report is a thing of the past
Even though my credit had improved I still utilize this programWhy not? This is essentially a savings account with no Fees that continuously builds your credit
Recommended to anyone If I can do it surely anyone else can

Refresh Financial uses a loan of *** money and *** interest rate charged on that money that was *** received and charges a $*** fee of which they charge interest on to be a way for people to rebuild our credit
They refuse to respond to emails for me to withdraw some money ***I was *** because I am rebuilding my credit to get a email from *** stadium on my credit score and hit the low 500s because I was currently behind on this loan
Thinking has been changed so I asked for a portion of the money to be returned to my bank and it was put in my bank of *** bank accountThey were instructed to use that account to take out additional payments as per my contract obligationsAfter seeing the *** report I went to see if any payment had been returned nonsufficient fun and I simply find they have never attempted to take the payment out over the last several months from either accountSince th

Obtained a "card" from them, which they claim is a credit card and can be used like any credit cardHowever, after the card was refused to be used at times, found out it is a pre-paid card and not a credit cardIt was no what I wanted, and so contacted Refresh (via phone with a follow up email) to cancel the card and return my security depositI understand they impose a day waiting period for return of fundsIn the meantime, I paid in full all balance on the cardAfter waiting days & getting the 2nd monthly statement from them, I contacted them to inquire about the status of my refundThe CSR was surprised, as it seems their system shows my account as active and not cancelled as directedHe was to look into the matter and get back to me within a few hoursI am still waiting for a return call or email three days laterThere has been no reply to my few subsequent inquiries, despite auto-reply emails saying they will reply within one business daySTAY AWAY - this firm has

This place is a joke they are horrible *** that only tell you what you want to hear till they take your money and "lock" you inThey are patheticthey lie they never told me about a activation feethey lied about many thingsno not do any business with these people unless you like simply giving your money away

I was told by their business partner *** that if I pay $towards my loan then I would have access to $I came to find out this is not the case after I had paid the $towards my loanI asked about cancelling my loan and I was told that it would cost me another $I informed the Refresh Financial employee as to how I was told the loan worked and all he said was that they would have to teach the people *** the workings of the contracts
My next complaint involves accessing equityI have requested equity *** After not receiving it, I called to see what the problem wasI was informed that there was a "glitch" and that my equity would be "expressed" to my accountI have since talked to different employee's and I still have not received my equity that I requestedToday's date is ***

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 have made payments on savings totaling $2668.06, I phoned to cancel, they proceeded to inform my equity is only $620, they hire ridicoulus fees making it seem to be a loan, when the definition of a loan is
a thing that is borrowed, especially a sum of money that is expected to be paid back with interest
I never recieved anything from them, they just took $bi-weekly from my account, they informed that $was for loan protection (again what loan, I received nothing from them), then a fee of $for credit monitoring, which I was fine with because that was the whole point of this, still not a loan, then took $for service fees, which I understand for their services, then charged interest on me for MY money (again still NOT A LOAN) so after all this my equity from $of MY money, (again I did not receive anything from them) is $720,
Why should I pay loan protection on my own money?
Why should I pay interest on my own money? If anything they are collecting interest on MY money!!!
What I figure should be as follows
$54.45-$(credit monitoring) Ã? 49=$2284.86-$for services =$and they want to pay me $
How they get away with this Is criminal,

I inquired about getting a prepaid credit card and was told I was guaranteed approval I provided my information and was informed of a savings plan that would help build my credit I specifically told the company that I would be interested "only" if I got the credit card since I did not want to deal with multiple companies if I had to go elsewhere
I was not approved for the credit card and made it clear I did not want the other product previously discussed I was told that it wouldn't be processed Then a few weeks later I get an email stating an account was createdI called and emailed the rep (Michelle D***) and informed her I did not want the product She confirmed she stopped the processThen I got an email reminding me of my first payment date Again, I called and emailed my rep She emailed me stating it would not go through but to possibly put a stop payment on the payment to be safe I could not...and the payment came out nonetheless of $approximately I

We are very greatful for the help of refresh financial and the customer service is always great and always there to answer our questions we had flexible payment dates which was awesomeWe've learned how to make payments on time keep us on track and in the end credit wise was a big pay off Thank You Refresh Financial

So I got involved with this business as they said if I pay them XX dollars a month it would increase my credit score in which it did not, so I contacted them about getting out of this program *** Now they have it on my credit report as im not paying for a loan that I did not even receiveThey state I still owe them 380$ although im not even sure what it is fori have notified my trustee in consumer proposal and they have advised if I do not reach a settlement with company by ***

I signed up for this program through my loa officer at ***.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 *** 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 had a loan that I started paying on in May and it was to be finished in MayIt was a reverse loan so I paid the $and was supposed to get back $You can call to request money out of there that was already paid for by meI had $in there that I could take outI owed them $in fee and miss payments so I asked Refresh Financial to pay what I owed and send the rest and not to close my accountThey closed my account and they are sending me $and closed my accountThat was on Nov 21, They waited till Novat 4:59pm on a Friday to tell me that closed my account and that the loan was finished and all I would receive is $instead of the $in May I emailed they email me back said I asked to close it but I talk to the girl about it and then I asked her for a copy of the missed payment which I never receive and told her that I didn't want to cancel the loanI asked for a copy of the recording but I never heard backI'm not paying

I was doing a secured savings loan with refresh for a number of monthsOne day I decided to email them and ask how much equity had built upthey wanted me to confirm my birthdate and postal codeto which I told them no because I never had to beforefinally I just called them rather than playing email tagI spoke with a rep named John who insisted I had to confirm and hung up on me when I refusedSo I called back (got john again) and said I was closing my account cause I refused to the deal with themI reluctantly confirmed my birthdate and postal code for thisthe only good point i'll give them is they closed my account pretty quick when I askedI asked how much money I would be receiving backI was told about $So I asked very slowly if $was what I would be getting and not what I had built up (there's a $withdrawl fee) and he said yesI later got an email saying it was about $I emailed back and forth with them, and even called them to try and resolve thisI

I was applying for a secured ***I didn't meet qualifications and therefore cancelled this application via email with Dan who I believe is a marketing manager there who stepped in when I started complaining about thingsThis was done on July 6,
To this day I still have not received my deposit back, now was I given any info regarding how I was going to receive it or even whether or not its being processed

I got this so called reversed savings loan with Refresh Financial thru my loan application with ***I was trickedI really don't want this reverse savings thingI'm done with *** but I'm still paying for Refresh! It has been and 1/year so I think I can access the accumulated fund/savings but I am having a hard time to connect or get thru their phone line! I will not recommend this to anyoneAvoid this companyRefresh Financial if you can read this, let me access my funds and some please please facilitate how can I access my funds!

I closed out my Refresh Loan with them in ***; reducing my balance with them to zero Refresh Financial reports their loans to *** credit bureau They have continued to not update my credit file and still show and outstanding balance of $***
I have spoken with Jon at the company many times over the last four months, and he has promised many times to update my file They are so far refusing to update my credit report to show a balance of zero
As they are obligated by consumer protection to do this, and will not do so after months, I feel I must ask for assistance from the Revdex.com I also have filed a dispute with ***

I made one payment andmy understanding was I was paying *** per monthNow I find out its *** biweeklyI cannot afford thisSo I ask to cancel my contract and maybe loose my first paymentThey said no I have to pay *** to cancelI'm only weeks in to the agreement I thought they told me I had ** days

In late I was searching for a small car loan as I desperately needed a carIn 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 timeIt wasn't until I had finished signing that I was informes 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 three yearsAfter doing some research and finding out that even the credit building wasnt all it was said to beSo I decided to call and cancel the whole thingI was asked for 500$ to get out of it as I obviously did not have 500$as I have had to pay them for some time I decided I would email them stating I had paid well over that amount and to cancel my account I have closed any way for them to take more money now and have been harassed through email repeatedly by this companyInwould advise anyone who wants a small loan to go elsewhere this company is nothing but troubleIf theres anyone who could help or advise on how to handle this situation it would be greatly appreciate it

They didn't communicate that this was a loanCONSUMER BEWARE

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 *** 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 $*** 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