Consumer complaint received 2023-05-20
Company: Credit Fresh Holdings Inc
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2023, I was given three calls from number XXXX. I did not answer any of them, as I was busy working and paying attention to my work phone ( as opposed to my personal phone ). They came in at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I returned the missed calls at XXXXXXXX XXXX  on the same day. A woman answered, who was nice, but she had very slurred pronunciation as if she was intoxicated. I acknowledged that I was in fact, XXXX XXXX ( the person that they were looking for ) ; she told me that she " didn't mean '' to call so many times. I was transferred to another woman, who began by politely asking me how exactly my debt came-to-be. I explained that I was laid off and that CreditFresh was one of the very few loaners of mine that didn't offer any kind of debt relief program for individuals suffering a layoff, and that I wasn't aware that the loan had gone into default ( it turns out that I had made payments after the official default date but was never made aware of the default on the websites homepage for my username ). I further explained that it obviously snowballed because of this, followed by me explaining that I was happy to set up a payment plan to resolve it. She continued by asking, " When do you get paid next? '' I responded and politely said that it wasn't information that I was willing to disclose. She asked me to repeat, so I told her again that it wasn't information that I was willing to disclose. She tried to intimidate and gaslight me by saying, " You don't want to tell me when you get paid next ( or something very similar to this )? '' I said, " No, and I find it extremely sketchy that you're asking. '' She replied, " You think it's sketchy that I'm asking when you get paid next? '' I said, " Yes, that is not your business and you should only be concerned about me making monthly payments on time. '' She began to argue, and I ignored it and interrupted her by saying something very similar to, " Listen, lets " do this. Moving forward, if you want to talk with me, email me. '' She responded by saying that that's not the way her company works. I then explained that they needed to because it's a legality issue and she needs to abide by it. She argued a bit more, and I continued to tell her the same thing. Eventually, I told her not to call my number again, and if she did, I would report her every, single time. Since, I've been getting calls from many random numbers ( XXXX, XXXX [ multiple calls ], XXXX, XXXX, XXXX, XXXX [ which I received twice in one day ], XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX ). I'm not sure if it's them or not. Even if it isn't, her demeanor took an illegal tone and she acted as if she didn't even know who the FTC is, even when I told her on the phone ( after explaining that I believed her to be sketchy ) that I would be reporting everything that she was saying to me. This was a cruel, unfair, and illegal tactic on her behalf, and I am happy to have a conference call with the CFPB and this individual/company should the opportunity be presented.

Company response to consumer: Closed with explanation