Consumer complaint received 2026-04-29 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: PA

Complaint narrative:
I got an advertisement online to take out a loan for up to {$2000.00} and I applied for it and it said I was approved. I didnt actually need the money so to say but thought it would be good to use to build my credit especially because it said that the payments were gon na be XXXX a month if I took the full {$2000.00} at once. I got my first billing statement and that is when I see that I owe {$110.00} and only {$18.00} is going towards my principal balance and the other {$100.00} is just some sort of usage fee that just goes to credit fresh and doesnt even apply to the loan. I immediately research the company and see various complaints of a similar nature where people paid XXXX XXXX XXXX a month only to be paying off a very minimal amount of their loan when they shouldve already had it paid off by then. This company is extremely predatory and I decided I no longer would like to have this loan in existence so I paid {$840.00} to them just a few days after taking out the {$2000.00} line of credit and I was going to go on before my next payment was due and pay the rest but when I logged in my account was frozen and the button to pay is great off. It says that I need to call them to make a payment or get more information so I call and ask why is my account locked and why cant I make it online payment and they told me that I am at risk. That is the only explanation that they could give me was that I am supposedly at risk and that they were unable to unlock my account at this time until it is determined that I am no longer at risk. Im not sure how Im at risk when I only owed {$110.00} but paid {$840.00} back a week before the {$110.00} was due. I then made a {$300.00} payment over the phone through ACH. I would like to pay more but I need to use a debit card and I am not comfortable giving them that information over the phone because it doesnt seem like its a secure line and also I already used a card to make a payment through the website before so Im not sure why my information would not be saved but they insisted that if I wanted to make a debit or credit card payment then I need to provide them with my number and security information over the phone and Im not doing that when clearly its a call center in a whole other country and they are scamming people all over this planet by having these predatory loans. I only want them to unlock my payment button and I do not wish to make any more draws on this account I just want to pay it off without having to call them or give them a credit card or debit card number over the phone and not through ACH because it takes too long in all my money is not in one account. I just want to pay the loan off and close the account and never have anything to do with them again because again they are scamming people. If I actually paid this off the way they wanted me to then a {$2000.00} loan would cost me almost XXXX dollars in the end. This is disgusting and also the fact that they locked my account is disgusting because clearly they are taking advantage of me, but not allowing me to make payments at my own leisure and making me have to call them just to make one. If they believe that my account is truly at risk than lock me or block me from withdrawing any money and that makes sense but when you lock people out of making online payments and forcing them to call you to make a payment that does not make any sense that is just actually putting people at risk of becoming behind because they have to call and find time out of their day to sit on hold and be transferred over and over just to make a payment that they couldve went online and made in 40 seconds. I have as of today paid over {$1000.00} out of {$2000.00} back to them and Ive only had this line of credit for maybe three weeks yet somehow I am still at risk and my account is locked so I can not make a payment without calling.

Company response to consumer: Closed with explanation