Cixumfintech レビュー 

I’M ABOUT TO SUE THEY ASS SOME HEFTYYYYY !!!! DONT TRUST THESE SCAMMING ASS PEOPLE. WHOEVER OPERATING BEHIND THIS GOTTA RUDE AWAKENING IF THAT MONEY DONT HIT THAT ACCOUNT BY NEXT WEEK

Honestly… I’m upset It was a requirement to have to leave any star at all! I would not recommend this company. They’re scammers, DON’T WASTE YOUR TIME OR YOUR DIME! I am out of almost $1500 that I have yet to receive back. Then had the nerve to bribe me a partial refund in exchange of removing my review. I’ll be taking them to court asap!

This is a scam! Don't trust them

I would Rate them 1 star if I could!!!!!! don’t EVAAAAAAAAAAAAAAAAAAAAAAAAA DO BUSINESS WITH THEM!!! They will leave you high and dry!!!! ASSED OUT!!!!

They are scammers and liars. They would take money

Working with Cixumfintech has been a very positive experience. They were responsive, patient, and always willing to answer questions clearly. Their guidance helped me launch my new business with confidence while teaching me valuable steps I can apply independently going forward.

My experience was smooth from start to finish. Team explained everything clearly, stayed supportive throughout process, and delivered what was discussed.

Communication was easy, and funding support helped move forward with future business growth and investment plans.

I am very pleased with the progress I've achieved so far.

My funding advisor, is highly experienced and has guided me through several challenging steps on my credit journey.

My credit profile looks very strong today, thanks to what I've learned and applied.

PLEASE DONT FALL FOR THIS SCAM!!!!! SCAM...SCAM!!..don't give him any info!!!!...HE WILL TAKE YOUR MONEY!!!!!!...this disgusting example of a human being is a FRAUD!!!!>>>>>and don't even think about responding to this review!. should be ashamed of yourself ...u may be able to sleep at night but I promise you ...your judgement is coming Tenfold...we have families just like u...

This updated review is in response to the message from Fundpera's latest reply dated May 3.

Fundpera has been citing a “bank account hold” since October 2025 as the reason funds have not been returned. As of today, that would represent a delay of approximately seven months with no refund issued.

While I cannot verify internal banking matters, it is difficult to reconcile the claim of an ongoing account restriction with Fundpera’s continued public representations of normal operations and the appearance of recent positive reviews. At minimum, this raises legitimate questions about the accuracy and consistency of the explanations being offered.

What remains undisputed is that:

Funds were paid upfront;
No funding was delivered;
A refund was requested months ago and acknowledged;
The funds have still not been returned.

Intentions and explanations do not resolve this issue. Only the return of the funds will. Until that occurs, this matter remains unresolved.

****UPDATE****
After months and months of no contact, and no responses, this company eventually refunded 50% of what was provided. It does not address their failure, but they did refund a portion. My overall experience and recommendation remains the same.

SCAM********SCAM*********SCAM*******

THIS is NOT A FAKE REVIEW

On April 23rd 2025 I paid $450 for credit repair & to build business credit to Fundpera I was advised me that they could help repair my credit & build business credit. I never heard from them on what items were disputed & never received any dispute inquiries from the credit bureaus. So after of months of no updates & no progress I received a email that they can help with business funding & I need to pay $1200 it was at that point I realized I was being scammed. I never spoke to anyone by phone it was always by email. So on on 11/13/2025 I filed a dispute with my credit card company for the $450 the credit card company Brightway I was just informed that they never received a response from Fundpera so Brightway states that they ruled in Fundpera favor. I was scammed out $450 & they are upholding a scammer. I submitted emails, & reviews from the internet where people had complaints. Where did it become possible where a company can scam people & the consumer financial institution supports the thief.

On April 23, 2025, I paid $450 to Fundpera for credit repair services and assistance with building business credit. I was advised that the company would dispute negative items on my credit report and help establish business credit.

Despite repeated attempts to obtain updates, I never received documentation showing that any disputes were filed, nor did I receive any dispute notifications from the credit bureaus. After several months, there was no progress, communication, or evidence that any services had been performed.

On October 13, 2025, I received an email from Fundpera stating that they could assist with business funding if I paid an additional $1,200. At that point, I became concerned that the company had not provided the services I paid for.

All communication with Fundpera was conducted via email only. I was never able to speak with anyone by phone. Based on my prior experience with legitimate credit repair companies, I am familiar with the credit repair process and understand that consumers receive notifications from credit bureaus when disputes are filed. No such notifications were ever received.

On November 13, 2025, I filed a dispute with my credit card issuer regarding the $450 charge. Fundpera has refused to issue a refund and has since stopped responding to phone calls and emails.

I believe Fundpera failed to provide the services promised and engaged in unfair and deceptive business practices. I am requesting a full refund of the $450 paid for services that were never rendered.

The representative was patient, polite, and very professional. He kept me informed the whole time and explained each step clearly. Every question was answered in detail, which made the process smooth and stress free.

Customer service was excellent, and the approval process moved faster than I expected. Everything was handled efficiently from start to finish.

⚠️ SCAM — DO NOT DO BUSINESS WITH THIS COMPANY
I was scammed out of $1,355 by this company. They presented themselves as a legitimate funding company, took my money, and failed to provide the services promised. Once payment was made, communication became inconsistent and ultimately led nowhere.

I have since learned that others have had similar experiences. I am leaving this review to warn others so no one else loses their hard-earned money the way I did. Please do your research and proceed with extreme caution.

I honestly enjoyed working with them. Communication was simple, they showed me several good choices, and they managed to make the whole process surprisingly enjoyable.

Great team to handle financing with. They listened to what I needed, stayed in touch, and pushed the loan through without any stress. I’ll be coming back to them for future funding.

Max was incredibly helpful every step of the way! From the very beginning, he took the time to understand my company’s unique needs and challenges. When no other financial service provider was able to offer a solution, Devon worked tirelessly to help us secure the funding we needed through a line of credit. He guided me through every step of the process, explained things clearly, and was always responsive and patient with my questions.

So far, it seems like we are experiencing a lot of same issues listed on all of the negative reviews. Poor communication, empty promises, and we have paid all of the upfront cost and still no LOC.

We are not interested in a reimbursement so we will continue to play the waiting game and document the process and ever delay.

For the record “We are wrong company to scam.”

I hope they keep their word.

This company operates as Fundpera. I was told if I paid $450 for initial funding costs and $25 expedited fee that my funding would be next business day. Then I got a closing cost fee of $280 and as soon as I pay that, my funding would be next day once again. Max told me that my funding was sent out at 6pm. I then questioned again a couple days later as he said so many business days. At the end of those business days, I inquired again and asked for a full refund. He said to check my email which I did and it said that all their accounts were frozen so they couldn’t send out money, that I needed to request a recall and they would cooperate fully with the refund. It’s been over 2 weeks and I still haven’t gotten anything back but I have got more emails from Fundpera and Max that I’m pre approved for funding. I just want my money back and will be going to the proper channels to do so.

EDIT to add: I have all documentation of my claims and this companies non-cooperation. They have now told me they will no longer communicate with me due to my negative review/false public accusations. Nothing I have said is false and I have screenshots to support my statements.

Update 7/7/2026. Company contacted regarding a settlement for $400. I said I would like the full refund and if we could not agree to a full refund that I would continue with filings. I was told “you signed a contract so we will see how that holds up” even though I have multiple pieces of proof (including the response here) I requested my refund earlier than system allowed. They said if I remove the review or they will take it as declining the refund. Definitely not declining the refund. I will also add that in this particular response to my initial post, they are citing essentially that it takes time however, I also have proof that I was told my funds would be arriving and they never did and I was also told that multiple times. I have documented proof of my experiences and all conversations as they were either via text or email.

I am submitting this report to document my experience with a funding service that I believe may be involved in fraudulent or deceptive practices.

At first, my interactions with this company seemed legitimate. I successfully completed a loan with them, paid it off, and expected a confirmation of payoff. However, I never received any receipt or notice confirming that the loan had been paid in full.

Later, I applied for a line of credit through the same company. I was told that after paying certain fees, I would receive a card linked to my line of credit. On [October 17th & October 24th ], I sent $1,355 as part of this process. After sending the payment, I was repeatedly told that my card would be sent out “next week,” “tomorrow,” or “in the next few days.” This continued for several weeks without any results.

At one point, they claimed they were waiting for me to provide my address, which I had already submitted multiple times. After that, the excuses continued and communication became increasingly unprofessional. The representative I dealt with became rude, stopped replying to my texts, ignored my phone calls, and provided no concrete updates or documentation.

When I finally decided to file a wire recall through my bank to recover my $1,355, the company threatened me and stated that it would take 90 days for me to receive a refund. I also began researching the company online and found that many other people have reported similar experiences — sending money, not receiving any services or cards, and losing communication afterward.

Additionally, the same representative has been pressuring me to take down negative reviews I posted about the situation. I have made it clear that I will continue to post reviews until I receive my refund.

I also read that another individual has already contacted the FBI regarding this company. If that person sees this report, I would like to connect and share my documentation so that our cases can be linked and properly investigated.

I am requesting that this complaint be reviewed for possible wire fraud or financial misconduct. I have all receipts, messages, and records of payment available to support my claim.