Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I am filing a complaint about my CreditFresh open-end line of credit issued by XXXX XXXX XXXX XXXX My concern is that the companys disclosure structure and later account changes may not have complied with Truth in Lending / Regulation Z requirements for open-end credit, and I want CFPB to review the account-opening disclosures, later pricing changes, credit-limit increases, and related reporting on my account. My records show an original agreement dated XX/XX/XXXX, a XX/XX/XXXX amendment, updated billing-cycle-charge tables effective XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and multiple periodic statements reflecting those charges over time. The product uses recurring Billing Cycle Charges based on average daily principal balance. My statements describe these charges as Fees ( Billing Cycle Charges ), and my agreement materials use different terminology over time, including Interest Rate and Interest Charges in earlier truth-in-lending statements and Fees in later ones. I want CFPB to review whether the finance-charge structure for this open-end account was clearly and lawfully disclosed at account opening and on later statements. I also want CFPB to review whether the company provided legally sufficient later disclosures and notices for changes to my pricing and account terms. My records show multiple updated billing-cycle-charge tables, but I do not have clear proof showing when complete change notices were sent, what exactly was provided with each change, or whether each notice was timely and complete. My records also show my credit limit increased from {$5000.00} on XX/XX/XXXX, to {$5700.00} on XX/XX/XXXX, and later to {$5800.00} by XX/XX/XXXX. I want CFPB to review whether all related disclosures, pricing consequences, and account-change notices tied to those increases were properly provided. Examples from my account records include the following : on XX/XX/XXXX, my statement showed an average daily principal balance of {$1000.00} and a {$60.00} billing-cycle charge ; on XX/XX/XXXX, my statement showed an average daily principal balance of {$840.00} and a {$35.00} billing-cycle charge ; on XX/XX/XXXX, my statement showed an average daily principal balance of {$3500.00} and a {$130.00} billing-cycle charge ; and on XX/XX/XXXX, my statement showed a {$5800.00} credit limit, an average daily principal balance of {$5500.00}, and a {$210.00} billing-cycle charge. I am requesting that the company provide a complete account history and ledger, every change-in-terms notice, every pricing notice, every credit-limit-increase notice, and the date and method each notice was sent. I also want the company to explain in writing how the billing-cycle-charge structure was disclosed at account opening and after each later change, and to identify whether any disclosures were incomplete, inaccurate, misleading, or untimely. As my requested resolution, I want the company to forgive and permanently cancel the entire remaining balance, stop all collection activity, and report the account as closed with a {$0.00} balance. I also want the company to delete any negative tradeline, late-payment history, delinquency status, derogatory reporting, or other adverse furnishing related to this account from all consumer reporting agencies. If the company contends any reporting should remain, then I want a full investigation and correction or deletion of any information that is inaccurate, incomplete, misleading, or can not be verified. CFPB guidance explains that consumers can dispute inaccurate information with both credit reporting companies and furnishers, and inaccurate, incomplete, or unverifiable information must be corrected or removed. I am attaching my agreement, amendment, updated billing-cycle-charge tables, and periodic statements supporting this complaint. CFPBs complaint system accepts consumer complaints and supporting documents and sends the complaint to the company for response.

Company response to consumer: Closed with explanation