Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #19291090
Complaint Overview
Complaint ID: 19291090
Company: Credit Fresh Holdings INC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Charged fees or interest you didn't expect
State: Georgia
ZIP Code: XXXXX
Date Received: 2026-02-05T12:00:00-05:00
Date Sent to Company: 2026-02-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
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/XXXX, I sent a certified demand letter ( with return receipt ) to CreditFresh and XXXX XXXX proposing an informal resolution : a {$2500.00} one-time payment ( including full refund of {$700.00} + statutory damages under 15 U.S.C. 1640 ) and written confirmation of {$0.00} balance/no further obligations. I requested a response within XXXX days. I have received no response to date.
Frequently Asked Questions
What is Complaint #19291090 about?
Complaint #19291090 was filed against Credit Fresh Holdings INC regarding Payday loan, title loan, personal loan, or advance loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2026-02-05T12:00:00-05:00.
How did Credit Fresh Holdings INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Credit Fresh Holdings INC?
Yes, visit the Credit Fresh Holdings INC company profile at readthecomplaint.com/company/credit-fresh-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.