Refresh Financial

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

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)

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.

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

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

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!

A minute ago! DO NOT DO BUSINESS WITH THEM.! (SCAM)

I purchased a $1,000 Refresh Finanacial Visa & two $10,00 loans with Refresh Finanacial and I have had the product for over 6 months and on the Equifax my score went down -1 to -2 points each report update. On TransUnion I improved a total of +29 points for six months. The problem is that is the person promised me that I will improve +10 points a month for one loan and if I have two loans it should be around +18 points a month and so they did not even come close to delivering on their promise. I paid them over $2,000 in decrease my credit score one Equifax and barely improve my score on TransUnion.

I feel that I got scammed because I was lied to and they did not deliver on their promise and I have them $2,000+ for the loans and also had a $1,000 Refresh Financial Visa and my score dropped consistently on one credit agency and the credit agency nearly moved up. I did the math and I paid $125 for each positive point on my credit score and about half I would have gotten organically and on the other credit agency I spend $125 for each -1 point on my credit. I never even came close to hitting +18 points in a moth like I was "promised"!

Do not trust anything they say and do not use them, I highly do not recommend these guys! They will make promises to you but do not deliver on them and you will be stuck paying thousands for nothing.
If you read this review and do business with Refresh Finanacial and you get scammed that is on you. Scroll down through the reviews and you will see others who got scammed.

What this credit card offers is nothing at all compared to capitol one. Do not make this mistake and sign up with this credit card company. This is a secured credit card that will not work for you at all: I've had about 10 places declined my credit card with refresh financial and cdbank over the one month period I was with them. I have been patient and tried to let them solve these problems but they always end up just saying "we will call you back" and they never follow up on anything. None of the issues have been solved. You can't buy things on amazon, you can't use it to pay for your phone, you can send money using western union, you can't even order an uber to drive you. There are many credit card companies out there and this is by far the worst. They tell me things like "you can't use this to pay for your fiances' phone, because it's not the phone registered with us. They don't listen when I try to explain, and when I told them I am leaving and they couldn't care less. They never tried to keep me as a customer. They prey on people with credit card debt, or who are looking for the best first credit card, and they advertise themselves as that. But they forget to mention that you will be restricted almost everywhere because no one accepts them as a valid credit company. They will tell you "just be patient with us until and send us copies of where you were declined". Do they think I work for them or something? The frustration it caused me, and the amount of time I wasted talking to them, they have never compensated for. And guess what, you want to cancel with them? 60 days until you get your money back. So if you were like me, and were looking to apply for a credit card with bad credit, stay away from refresh financial! Oh, and did I mention that you can only pay your credit card bill via e-transfers? And you can't even check your balance, you have to call them. Or as they told me once, I can call the bank issuing the cards and PAY 10 cents every time I check my balance. Their guaranteed credit card approval does not compensate for any of this. I feel ripped off, lied to, and I will make sure everyone I know hears about it and stays away from that credit card company. They are at the bottom of the list.