XXXX XXXX XXXX has called me, my mother, and my ex-husband 's daughter multiple times to collect a debt. I asked them several times to only contact me, as they obviously have my number, yet they continued to harass my mother. Further, when they attempted to verify my identity, they asked me " Is your name XXXX XXXX? And is XXXX the last four of your social? '' Anyone could have said yes. This is not the correct way to verify my identity. XXXX de XXXX admitted to calling all numbers that have ever been associated with me, and using this line of questioning to confirm it was me. If the number had been given to someone else, or anyone could have lied and said yes, and now my personal information is being given out to strangers. She was extremely hostile towards me when I attempted to explain why she should ask me identifiable information, rather than simply having me confirm it.
CFPB COMPLAINT DATABASE
Credit Fresh Holdings Inc.
107 real consumer complaints filed against Credit Fresh Holdings Inc. at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Charged fees or interest you didn't expect42
- 02Incorrect information on your report14
- 03Attempts to collect debt not owed7
- 04Struggling to pay your loan7
- 05Took or threatened to take negative or legal action6
Top states filing
Recent complaints
The 30 most recent complaints against Credit Fresh Holdings Inc. where the consumer chose to publish their narrative.
I obtained a line of credit through CreditFresh, and the repayment terms quickly became unmanageable due to the high fees and the structure of the required payments. I contacted the company multiple times to request assistance or a hardship option. Still, I was either told no adjustments were available or given limited information that did not resolve the issue. Despite my attempts to communicate and stay current, I was unable to keep up with the payments, and the balance continued to grow. Because I can not afford the amounts being claimed and have been unable to obtain meaningful relief from the company, I am submitting this complaint so the matter can be reviewed.
I am submitting this complaint regarding my line of credit account with CreditFresh due to concerns about excessive and unclear fee practices. I took out a line of credit and have been making consistent payments toward my balance. However, I have been charged repeated billing cycle fees that appear disproportionately high compared to my remaining balance. For example, I was charged approximately {$63.00} in fees within a short billing cycle on a balance just over {$1100.00}. Despite making payments, a significant portion appears to go toward fees rather than reducing the principal. The structure of these fees was not clearly understood at the time of agreement, particularly the frequency at which they are applied and the total cost of borrowing over time. The impact has made it extremely difficult to make meaningful progress toward paying down the balance. I am requesting the following : 1. A full breakdown of all fees charged on my account to date 2.…
I am a resident of North Carolina and obtained a line of credit through CreditFresh. Although this product is presented as a line of credit, the fee structure results in an extremely high effective interest rate. I am currently making payments of approximately {$500.00} per month, but only about {$60.00} is applied to principal, with the remaining amount going toward fees. This structure makes it very difficult to reduce the balance and creates a cycle where most payments do not meaningfully lower the amount owed. North Carolina has strong consumer protection laws and restrictions on high-interest and payday-style lending. The structure of this account appears to function similarly to those prohibited products, using fees instead of traditional interest. I am concerned that this lending product may not comply with North Carolina law and that the cost of the loan is excessive and not reasonably transparent in practice.
I opened a line of credit with CreditFresh, account number XXXX, on XX/XX/year> with a credit limit of {$4000.00}. What was not made clear to me at the time of origination was that the effective annual percentage rate on this account would exceed 100 %. I am a New Jersey resident, and New Jersey caps consumer loan interest at 30 % APR for non-bank lenders. CreditFresh is using XXXX Bank, a XXXX bank, as a vehicle to charge interest rates that would otherwise be illegal in my state. This is commonly referred to as a rent-a-bank arrangement, and it is my position that CreditFresh is the true lender on this account, not XXXX Bank XXXX CreditFresh markets the product, originates the application, services the loan, and retains the economic interest. XXXX Bank exists in this transaction solely to provide a workaround to state usury laws.…
On XX/XX/year>, XX/XX/year>, a XXXX XXXX called, my ex wife, my employer, and my current spouse. Threaned legal action and threaded to seize property in my name. He also discussed the debt and how much the debt was for to my ex wife, my employer, and my current spouse. XXXX did disclose this debt is for Credit Fresh for the amount of {$5900.00} that I have no recollection of. XXXX also did not disclose what firm or company he was with.
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.
On XX/XX/year>, I sent a formal written debt dispute and validation request to the XXXX XXXX XXXX XXXX XXXX XXXX via email to XXXX regarding Account # XXXX ( Creditor : Credit Fresh, alleged balance : {$5600.00} ). In the same correspondence, I sent a cease-and-desist demand regarding third-party communications, specifically requesting they stop contacting my family members by phone. Since approximately XX/XX/year>, this firm has been repeatedly calling my father and mother by phone, calling them in rapid succession and leaving voicemails. These calls show up as spam on their caller ID. I provided my current contact information and explicitly requested all third-party contact cease immediately. Despite receiving my dispute and validation request on XX/XX/XXXX, the firm sent me an email on approximately XX/XX/year> offering three payment options ( pay in full, 24-month payment plan, or 70 % settlement ) before providing any validation of the debt.…
I notified this company in writing on XX/XX/XXXX that they are not permitted to contact me at my place of employment. Despite this written notice, they called my workplace again on XX/XX/XXXX and left a voicemail. This is a violation of the Fair Debt Collection Practices Act. I am requesting confirmation that my workplace number has been removed and that no further employer contact will occur.
XX/XX/year> I requested a payoff quote from Credit Fresh that included all and any fees up until XX/XX/XXXX. This was done via chat. I was told it would be done. XX/XX/year> I had to call them to ask for this information and was informed that they can not do that. They can tell me over the phone, but they could not email me a statement with the full amount I owe. I advised them they are able to send me that information to have it in my files and the representative repeatedly said that is not possible, they do not do that.
Summary of the issue : CreditFresh mishandled my payments, attempted to collect money that was not owed, provided false and contradictory explanations, and escalated to threats and harassment after I blocked an unjustified ACH withdrawal. Their conduct appears to violate fair billing, fair lending, and XXXX standards. -- - Chronological Narrative XXXX. XX/XX/year> {$4600.00} payment made I made a {$4600.00} payment on XX/XX/XXXX. When I asked why the minimum due still showed {$270.00}, CreditFresh repeatedly claimed the payment was outside the billing cycle and therefore did not affect the cycle fee or minimum due. 2. XX/XX/year> {$50.00} payment made I made a {$50.00} payment on XX/XX/XXXX. CreditFresh claimed this payment was inside the cycle, even though it was made 13 days after the {$4600.00} payment. Their own posted cycle dates show both payments were inside the same billing cycle. 3.…
I am filing a complaint regarding CreditFreshs failure to properly disclose dailyaccruing charges, inconsistent payment demands, and misleading statements made at the time I opened the account. My balance is increasing daily, which indicates that a dailyaccruing fee or interestequivalent charge is being applied. I requested that the company show me where in the signed agreement any daily interest rate, daily fee, or daily accrual method is disclosed, and the company was unable to locate or provide this information. When I opened the loan, the representative stated multiple times that no interest would accrue and that my payments were fixed based on the principal amount. This is inconsistent with the current behavior of the account. The agreement states that my monthly charge would be no more than {$280.00}, but the company is now demanding {$310.00}, which exceeds the maximum disclosed payment amount.…
I have already filed an FTC complaint regarding this account. CreditFresh is reporting the same alleged debt twice on XXXX as XXXX with no account number and again as XXXX/XXXX with account number XXXX, both in the amount of {$3100.00}. Reporting the same debt multiple times with conflicting identifiers is misleading and inaccurate. I never received the required initial written notice before this account was placed on my credit report, in violation of FDCPA 809 ( a ). After discovering the account, I requested proper debt validation more than 30 days ago, including the name of the original creditor, a valid account number, an itemized balance, documentation proving my legal obligation to pay, and proof that CreditFresh has the authority to collect and report this debt. No validation has been provided.…
I had a line of credit account with CreditFresh ( Account # XXXXXXXX ), originated by XXXX XXXX. I fully repaid the principal and closed the account, with no outstanding balance. Upon reviewing my documents, I discovered a serious violation of the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) and Regulation Z. The Truth in Lending Statement provided to me on XX/XX/XXXX, includes only a tiered " Billing Cycle Charge '' table and completely omits any numerical Annual Percentage Rate ( APR ). Federal law requires clear and conspicuous disclosure of the APR for open-end credit so consumers can understand and compare the true cost of borrowing. This missing disclosure prevented me from appreciating the effective annualized cost, which exceeded XXXX % on my {$1000.00} draw based on the charges applied. I paid a total of {$700.00} in Billing Cycle Charges ( finance charges ) despite making all required payments on time and working to pay off quickly to minimize costs.…
On XX/XX/year> a company going by the name of XXXX XXXX and or XXXX XXXX XXXXXXXX called me and threatened legal action/seizing of my vehicles based on a debt listed on my credit report as charged off. I asked for verification of the debt as well as their ownership of that debt, but none was provided. They requested a down payment with an additional payment plan, of which I have provided a copy which also includes their company information. They called my wife and other family members, as well as threatened to contact my employer. They also threatened to send someone to my house to photograph my property and vehicles without my permission.
I opened a line of credit with CreditFresh for {$1500.00}. I have paid approximately {$450.00} so far, yet my balance has increased to over {$1600.00}. Most payments are applied to recurring billing cycle fees rather than principal, causing the balance to grow despite consistent payments. I believe this structure is unfair and misleading, and I am requesting a review of how payments are applied and whether fees can be reduced or waived so I can reasonably pay off the account. Theyre only applying XXXX % of my payments to the principal. I spoke over the phone to them & no help.
I applied for a line of credit with XXXXredit Fresh last year in XXXX and paid back all of the loan, and thenIi took the line of credit again, butIi couldn't pay it off, so insteadIi have been making payments biweekly. The balance is never decreased ; instead, the balance keeps increasing. I called and asked if they could stop charging me so much interest so I can pay off the loan, but they want everything back, k plus the insane amount of interest. I know they will be reporting it to the credit bureaus and potentially ruining my credit, which is why I am opening this complaint.
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.
I am submitting this complaint as a follow-up to a prior CFPB complaint regarding Credit Fresh, which was closed with explanation but did not resolve the consumer harm identified. Despite my prior complaint and rebuttal, Credit Fresh has declined to refund amounts paid in excess of the principal accessed and has continued to report this account to consumer reporting agencies. The companys response relied on technical disclosure rather than addressing the unfair and harmful impact of the accounts fee-based structure. The recurring billing cycle charges prevented meaningful amortization, resulting in total payments that exceeded the amount of credit actually used. Credit Fresh has not provided a full accounting demonstrating that payments were applied in a fair and transparent manner. Additionally, reporting this account to consumer reporting agencies remains misleading and harmful, as the reported balance is driven primarily by fees rather than actual borrowing behavior.…
I am submitting this complaint regarding improper and unjust collection activity initiated by a financial agency. I dispute the validity of the alleged debt and have not been provided with adequate verification to support their claim. Despite this, the agency has attempted to send the account to collections. I have either never entered into an agreement for this debt, the debt is inaccurate, or the account was previously resolved. The agency has failed to provide clear documentation, itemized statements, or lawful proof that I owe the amount they claim. Their actions have caused unnecessary stress and raise concerns about compliance with fair debt collection and consumer protection laws. I am requesting that all collection activity cease immediately until proper verification is provided, and that this matter be investigated for accuracy and legality.…
On XX/XX/year>. I paid off my loan in full ( {$2000.00} ). Apparently, there was a payment of {$120.00} processing on XX/XX/year>. When I made the payment, the {$120.00} got returned to my bank for some reason ( CreditFresh claims it was because of insufficient funds, but I just paid the loan in full ). On XX/XX/year> I tried to make a withdrawal to cover some minor expenses but when I logged on to my account, that option was not available and it said " Please call us to restore your account ''. I called, wondering why my account was locked, and they told me that because my account was in delinquent status when I tried to make a withdrawal, their system flagged my account with fraud and I am unable to make any withdraws for three months. I just paid off the entire loan .. and they continue to ask me for the {$120.00} and tell me that if its not paid within 30 days it will affect my credit.…
XX/XX/year> at XXXX. I received a text message from my mother involving a debt with XXXX XXXX. Ive also received alerts from other family members that XXXX XXXX is reaching out about a debt. Here is an example of the message : XXXX XXXX, i got this text for you a couple days ago. XXXX XXXX, fdm contacting you for XXXX XXXX. Please call us back immediately regarding the delinquency at XXXX. Thank You Again this was a text to my mothers phone. I did not give her information out to anyone. There are other family members receiving texts as well.
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.
I have a debit card which works at, quite literally, every other in-person and online business I purchase from or pay bills to ; there are no exceptions to this, save one. CreditFresh is the ONLY company that can not process my debit card. There is nothing amiss with the card, as I have verified with my bank, multiple times. I have called CreditFresh numerous times ( very numerous ) and have been reassured many ( many ) times that this will be addressed. It has not been. I am getting daily e-mails from them, stating that I have not paid my bill. I have done all in my power to pay my bill. I have one checking account. I have one debit card. There is nothing else. That's all there is. They are threatening to report me to the credit bureaus despite my many attempts to pay and my many interactions with their ( useless ) representatives. I am at my wits ' end. This is not a me problem. This is not my bank 's problem. This is not my debit card 's problem.…
On XX/XX/year> at approximately XXXXXXXX XXXX, I received a telephone call from an individual identifying himself as XXXX XXXX from XXXX XXXX XXXX. He attempted to confirm my home address. When I asked the purpose of the call, he stated that I was involved in a breach of contract but refused to identify the alleged creditor or provide any additional details. I advised the caller that I would not verify my address without being informed of the nature of the call. The caller responded that he was viewing my address information online and began listing alternative addresses associated with me. When I again requested an explanation, the caller raised his voice, instructed me to be quiet, and told me not to interrupt him. At no point did the caller disclose that he was a debt collector or that the call was an attempt to collect a debt, stating only that this is not a sales call, which appears inconsistent with 15 U.S.C. 1692e ( 11 ).…
I am filing a complaint regarding a predatory online loan issued by Credit Fresh. I borrowed approximately {$2000.00} and have made consistent monthly payments of {$99.00} since XX/XX/year>. Despite paying nearly {$1900.00}, my current balance remains approximately {$1400.00}. The loan appears to be structured so that payments are applied primarily to interest and fees, with minimal principal reduction. I believe the lender failed to clearly disclose the true APR and cost of credit as required under the Truth in Lending Act. The loans structure is misleading and deceptive and has trapped me in prolonged repayment. I am requesting CFPB review and assistance in obtaining accurate disclosures and fair resolution, so that I can get this account removed from my CRA. Thank you!
I took out a {$1700.00} line of credit with CreditFresh. After making monthly give or take payments of {$200.00} for a complete year the balance is lowering a tiny bit. Payments are pulled from my checking account every 2 weeks. When looking at my account I notice a {$85.00} in fees labeled as billing cycle charges. With only {$13.00} applied to the principal balance. As of today XX/XX/year>, I have paid CreditFresh roughly {$2300.00} on a {$1700.00} applied amount. This loan product is predatory situation. CreditFreshs practices are deceptive and unfair to consumers. Making it very difficult to pay down the principal / balance. The account is continuously generating fees creating a endless financial setbacks. The fees and the payment structure are not clearly explained of approval. I.E, loan length and amount with interest.…
I revoked automatic payment authorization on my CreditFresh account and requested a payment structure that would meaningfully reduce my principal balance. CreditFresh confirmed in writing that my biweekly minimum payment of approximately {$150.00} applies only about {$22.00} to principal and approximately {$130.00} to fees. I requested a payment modification, fee reduction, or repayment-only option because this structure does not reduce my balance and creates a cycle of fees. CreditFresh responded in writing that they are unable to manually modify payments or stop billing cycle fees and directed me to their Truth in Lending disclosure instead of offering a resolution. I am willing and able to pay my balance, but I am disputing a payment structure where the majority of each payment is applied to fees and not principal. I attempted to resolve this directly before filing this complaint.
Debt Validation and Limited Cease and Desist Letter Date : XX/XX/year> To : Credit Fresh Re : Account Number XXXX To Whom It May Concern, I am writing to you in response to your recent communication regarding the alleged debt mentioned above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide me with validation of this debt. I dispute this debt in its entirety. Please provide the following information so that I may verify the accuracy of your claim : 1. Proof of Legal Authority : Documentation showing that you are legally authorized to collect this debt in my state. 2. Chain of Title : A complete list of all previous owners of this debt, including the original creditor. 3. Account Records : A copy of the original signed contract or agreement that created this debt, along with a full itemized statement of the alleged balance, including all interest, fees, and payments made. 4.…
I took a personal loan of XXXX from www.creditfresh.com ( XXXX XXXX ) XXXX XXXX in XX/XX/year>. It was explained to me by phone that payments of XXXX were to be made biweekly. Then the woman that I was speaking with read a disclosure very fast in which I couldn't half understand what she was saying ( I do believe the phone call was recorded. ) And then I had to e-sign documents. The XXXX deposit was then places into my XXXX XXXX XXXX checking account. As I went on making these XXXX biweekly payments and, reviewing my statements each payment I noticed that of the XXXX I pay bi-weekly only XXXX of it goes towards the principle balance. When I spoke to someone to ask what would happen if I wanted to pay the loan back in full, they told me I'd have to pay XXXX. They automatically withdraw payments from my bank without my authorization every two weeks which now has my bank account overdrawn over XXXX and I'm behind on my loan payment on top of it.…
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