Refresh Financial

It's all about making money on their end but no increase in your score and then in addition they scam you into a loan, don't briefly explain the details of it, and when you decide to opt out, you literally get a few dollars back because they keep it all.
All money that your supposed to be saving to increase your credit they end up keeping.
Like I said stay away, they take your money big time and you get no results.
I am beyond disgusted, still don't know how they are in business with all the negative reviews I've read.

I have taken a loan with their ridiculous interest rate. The problem all began when their system showing incorrect amount paid by me. I event sent multiple emails with screenshots and called them a 100 times. Those people dont have basic math capability to understand how addition works.
STAY AWAY from them in you dont want to call their customer service every single day.

Facts
1 they take your money
2 they charge you interest on your money
3 they don't report to credit bureau regularly
4 it does not help your credit probably hurts
5 it's impossible to talk to anybody in this company
6 you will have a hard time getting your money back
What a horrible costly mistake dealing wit Refresh Financial
Wish I could rate it 0 stars

I was with them for a few years. I always found that most merchants rejected any purchase online trying to use this card. I complained to them, but they never did anything. They finally sent me an email saying they were closing the secured card and I was so thankful because they were awful. My credit score barely changed. I am with a new company and they are fabulous. I would never use Refresh again, even if they offered it again.

This company has terrible customer service.
They cannot be reached by phone.
None of their products are useful!

The worst of the worst and then some.
I closed my accounts and recently, by accident, made a payment to my closed credit card. I have reached out to them, as would be expected, no one replied to my request.
All i want is for my money to be returned to me. Yes it was my mistake however, the money sent to them does not belong to them. Time to get legal beagle! Going to make negative posts on every on line platform possible.

They didn't do anything to repair my credit, I did it. I had a loan with them for almost 5 years and their credit card as well. It takes them two months to report any payment you make to them, because this is not reported to the Credit Bureaus it affects your credit rating. You will have multiple conversations with them every month about the inaccurate reporting on their online portal, and you will see five months of payments that have not been records and outstanding balances that are always wrong. They PAY YOU NO interest on your money, you pay them. I have finally decided to cancel my card, I make multiple payments every month, it takes them 7 - 10 days to MANUALLY record any payment you make, there online portal does not work to let you pay them you have to do it through your bank. Now the card is cancelled I have to wait for 60 days to get my money back but it was only going against outstanding balance and my outstanding loan both of these do not total the $1,000.00 but you have to make your payments to them for the next 60 days OR they will report you to the credit bureau. You will have trouble using their chip card at some retailers, and you also can't use it for many places on line.

It has taken me over half a year to cancel my account, which was paid in full with the security funds. It still shows as open on my equifax report, stating I have missed payments and a balance owing. On my transunion report it finally shows as closed. It took several complaints and dozens of emails with their 'customer care' team to get anything done, and my issue is still unresolved. If you want a giant headache that will haunt your credit report long past the time you close the account, choose Refresh. If you want sanity and peace of mind, don't open any accounts with them or apply for any of their products. They simply do not care.

Online sign up. They requested all my id photo's and my online bank info also wanted me to send them my verification code sent from phone to log in to my TD bank. That's total scam and wrong in everyway. At that point i stopped the setup. And had to change all my cards and info. Sadly they have my photo id and sin numbers

I embarked on a journey with Refresh Solutions, taking out a Credit Builder Loan with hopes of a brighter financial horizon. Regrettably, the experience has been fraught with hurdles and disappointments. Despite religiously making over 36 payments, my access to funds is merely a fraction of what was promised. The unpredictable shifts in interest rates, coupled with the seemingly arbitrary allocation of my payments—sometimes to the principal and sometimes just to the interest—has been perplexing and feels intentionally misleading.

But what truly compounds the frustration is the company's communication approach. Not only is there a glaring absence of real-time human interaction, but every attempt at seeking clarity is met with an impersonal automated email. The very idea of not being able to speak to an actual person, compounded by a wait time of at least three days for an email reply, feels like a slap in the face for a trusting customer.

In my many interactions with financial institutions, Refresh Solutions stands out as the absolute worst in customer service and transparency. Their practices not only undermine trust but also leave customers feeling neglected and deceived.

If you are looking for a Secure Credit card, look somewhere else and stay away from Refresh Financial!
The customer service of this company is absolutely terrible and their system unreliable.
Their app shows data that is not accurate.
I've been having problems with my account for 4 days now!
This is 3rd time I have the same problem with Refresh Financial: I make a payment via etransfer, I get confirmation from Refresh Financial that funds have been deposited, their App shows and reflects my payment and credit available however All transactions are declined for lack of funds, unbelievable!

Please make sure if you want to rebuild your credit do not use Refresh Finance. Overall horrible credit builder. No support from anybody. Very easy to take your money but it takes forever to refund if it's there turn to give it to you.

The rating should be less than zero. Horrible horrible company!

Been paying them until it reaches 500 and ask for refund of my money they only gave me 300 they said they will keep the 200 as interest! Seriously? They get interest from my own money? Are there anyway we can stop them from doing this! They are scammer! I don't want anymore people to get victimized by them. This is serious! It's people's HARD EARNED money!
Please don't be a victim!

Of three automated bills that I tried to use the card for, insurance, cell, and internet, only the cell bill was able to process. The card number was accepted in TD's insurance billing, but all transactions were declined which resulted in the service doing far more harm than good. The internet billing could not even be set up. The only thing the card could be used at with any reasonable consistency was retail services, which I have a preferred method of payment that doesn't send email alerts warning of utilization above 30%. Payments made to the card were often delayed by up to 2 weeks, or were inconsistent enough that there was no reasonable way to determine if the electronic funds transfer/bill payment would even be applied in a given month, sometimes taking 3-4 days, other times taking 2+ weeks. Overall, if possible, I would give a rating lower than 1 or in the negatives.

I applied in May to refresh financial to boost my credit score. After finding out how much they charge I cancelled the pre-authorized debit and even closed the account the money was supposed to come out of. 2 days later I checked my other account and to my surprise they took it out of that account. After having an argument with the rep I soon got a phone call from someone in collections over a 5 year old debt. Does not take a genius to figure out how they got my phone number. A day later I checked my credit score and because of Refresh Financial I lost 35 points on my credit score. Trust me they will take your money one way or another and screw with your life.

Refresh Financial destroyed my Credit I have a visa secured and loan secured with them they went out of business out of business for secured Visa and they close the account and deposit money back to my account after that they ask them to close my secure lone with them I ask them to deposit my security mommy to my account after I receive my money they keep reporting me eyes non payment the credit bureau Now I'm begging them every day to fix that mistake they never answer calls Or emails still begging them to do so paddocks videos stay away from them it's a scam

Was looking to rebuil my credit score and after some research Refresh Financial was always mentioned. I called them up and after talking to one of their representatives I decided to open an account. I had a loan and their secure credit card. Let me tell you that this was the worst experience I've ever had and it was a very short one. After making three payments biweekly for the loan something looked wrong in the report through their application. Here's when it all started to go downhill. Tried to contact them by phone and woaw good luck to get in touch with anyone. After countless hours of waiting through a few days of calling them I managed to cancel the loan and the credit card. In total I paid 136$ towards the loan and the equity they gave me back was 43$ even though the application was saying I had 56$ in equity. The cherry on top was when I got the email confirming the cancellation of the credit card. It mentionned that my deposit has a 90 days hold period during which I will still be charged for the monthly charges. After 90 days they will "mail" me a refund of my security deposit minus any unpaid balances on my card if I don't pay them. Did I mention that at that point I haven't even received my card yet? What a scam. I don't even know how this company still exists. Don't belive all those BS positive reviews on their website. Stay away from this company and save your money. I would give them -5 stars if I could. Oh and last point coincidence or not my credit score actually went down for no reason not too long after I started my account with them. Waste of time and money. STAY AWAY!

Refresh is a very untrustworthy company. I have called and asked for my account to be cancelled to which the CSR agreed to do so. I have been using this service for a year and paying $49 bi-weekly. They charge $25 if you miss a payment, even if you call in advance to let them know. You're basically paying them $500+ in admin fees to keep your money and report your payments to the credit burreau. You're better of paying a phone or utility bill
be honest.

I asked for my acccount to be closed and the CSR said it was done. But I'm still getting charged and my account is still open. I've built up over $300 in equity and I have a feeling they're not going to be giving me back my money so easily.

I need my account closed! I no longer want to deal with this company! They are fraudulent and need to be reported.

Do not apply. Because it's saying nice thing. But when you apply ing nothing there. They give me 35$ credit cans still affect my credit ( I mean they check our credit.) I saing don't believe

Completely frustrating and infuriating.
I got their secured card and their credit builder loan.
They boast about their FAST credit rebuilding... what a joke... you're basically paying them to damage your credit.
My card showed up on my credit report today finally after 4 months. I've only used the card a couple of times and paid the balance within 2 or 3 days of using it. I've never been late and havn't even used the card for the past 2 months. All of my statements have a $0 balance.
So today my credit score is down 20 points because Refresh reported me as 30-60 days late for January. November and December weren't even reported.
They are almost impossible to contact.
This is their fault and I want them to fix it.
Why should I have to go through the hassle of filing disputes with both credit bureaus.
Their credit builder loan is a joke too, it's a reverse loan where you pay them bi weekly for 3 years but they charge you interest on your own money. In the loan agreement it states that they will report to the credit bureaus on a monthly basis but mines only been reported twice in 6 months.
Check out all the negative reviews they have with the BBB. It sounds like there are a lot of frustrated people who havn't received their security funds back... OR Refresh has actually damaged their credit as in my case.
They're located in Kelowna BC, I'll definitely be dropping in for a little "chat" next time I'm down that way. (If they're still in business)

I apply loan its approval but no not i get. Other thing still i have pay monthly its unfair its call credit buld loan

I was a client of refresh financial was a terrible. I applied to them contributed money as they promise to boost my credit but after couple of months paying nothing is happening. The worst scenario every time you call them they will hold you for so long. According to them they just open for Tuesday. I stopped my contribution because I am bit worried look they just using my money and have nothing in return. Don't be fool with them once you missed your payment they will huge charge you and they ask you that you owe them. This is a joke, you contribute it's your money once you cancel you will get nothing trust me. Don't be the next victim if you need for information I am willing you show you the proof of my contributions and when the cancellation of my account. I'm glad I stop my contributions.

I signed up two years ago for Refresh Financials secured credit card and secured loan. After the first few months, they began forgetting to submit my monthly payments to the credit bureau. In January this year, I noticed they were still several months behind so I closed my secured loan with them after having to write them monthly to remind them to submit the payment to the bureau and they still forgot. I kept the secured Visa card in hopes of still building my credit. It is currently September 28'21 and my secured card has not been reported to the bureau since January. I have sent several emails to try and fix this and they are unable to. I've called the credit bureaus to try and fix it however I was unable to and they told me to get Refresh to reopen the account to begin reporting. What happens was when they closed my secure loan, they closed my secured credit card instead. They have not helped build my credit and actually do the opposite. Do not waste your time or money.