Adrian D.

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!