Consumer complaint received 2026-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Fresh Holdings Inc
State: AK

Complaint narrative:
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. Their system proves no fees were due CreditFresh attempted to debit {$220.00} from my bank account based on the false claim that the {$4600.00} payment did not count. 
I have screenshots showing : - When their system believed the {$220.00} ACH succeeded, my balance dropped from {$560.00} to {$340.00}. 
- The entire {$220.00} was applied to principal only. 
- No cycle fee, interest, or other charges were applied. 

This proves no fees or interest were due and the account was current. 

When the ACH failed, the balance immediately jumped back to {$560.00}. This reversal happened only because the ACH failed, not because any fee was owed.

4. Selective and improper handling of payments CreditFresh mishandled the {$4600.00} payment by applying it entirely to principal, not recalculating the minimum due, and not sending a confirmation. 
The {$50.00} payment was handled correctly. 
This shows selective and inconsistent application of payments. 

5. I initiated an ACH block due to unjustified collection attempts CreditFresh continued insisting that {$270.00} ( later {$220.00} ) was still owed despite the payments fully satisfying the cycle obligations. 
Because their claim was unjustified and contradicted by their own system data, I initiated an ACH block through my bank to prevent an improper withdrawal. 

6. Retaliatory threats began only after the failed debit Before the failed ACH attempt, there were no threats or arrears language. 
Immediately after the failed debit, CreditFresh began sending : - Missed payment messages- Arrears language - Periodic creditreporting threats - Daily paymentdue messages These communications were retaliatory and occurred despite the account being current. 

7. Repeated false information despite correction I repeatedly explained the issue and provided screenshots showing the correct balance. 
CreditFresh continued responding with the same inaccurate statements, insisting the {$4600.00} payment was outside the cycle and that {$220.00} was still owed. 
Their explanations contradicted their own system data. 

8. The account was current, but they continued demanding payment Their own system showed : - Both payments were inside the same billing cycle - No fees or interest were due - The only remaining balance was principal Despite this, they continued demanding payment for a balance that had already been satisfied. 

9. I will not remove the ACH block and will pay manually Due to their attempt to collect a satisfied balance and their retaliatory conduct, I will not remove the ACH block.

I will make payments manually to prevent further improper withdrawal attempts.

10. I am requesting a switch to monthly billing CreditFreshs biweekly billing cycle has been used to misapply payments, generate false fees, and pressure me into paying amounts not owed.

I am requesting that my account be switched to monthly billing going forward.

Company response to consumer: Closed with explanation