Consumer complaint received 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: SC

Complaint narrative:
Upon reviewing the loan terms and associated practices, I am submitting this formal complaint and request for investigation against CreditFresh ( operated by XXXX XXXX XXXX ) I believe this account is the result of predatory lending and likely violates state usury laws, as well as federal laws, including the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), and the XXXX XXXX XXXX Reform and Consumer Protection Act. 

Violations and concerns against CreditFresh are as follows : The loan agreement fails to clearly disclose the Annual Percentage Rate ( XXXX ) and true cost of borrowing, in direct violation of TILA ( 15 U.S.C. 1601 et seq. ).

The repayment structure consists of excessive fees and recurring payments that primarily cover interest and fees, not the principal, creating a cycle of debt and virtually ensuring the borrower can not pay off the loan.

The structure and practices employed appear to violate Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions under Dodd-Frank ( 12 U.S.C. 5531 ).

In addition to the issues above, CreditFresh has failed to adequately protect customer data, resulting in a data breach. The breach has exposed personal and financial information, significantly increasing the risk of fraudulent use of consumer data and ongoing surveillance of affected individuals financial records. According to public reports and lawsuits, this breach is a direct result of the companys failure to implement appropriate security safeguards.

Additional concerns : 1. Predatory Lending The repayment terms were structured in a way that applied most of my payments to fees rather than the principal balance, keeping me in a harmful cycle of debt.

2. Lack of Proper Disclosures I did not receive a clear disclosure of the annual percentage rate ( APR ), finance charges, or total repayment obligation, making it impossible to make an informed borrowing decision as required by law.

3. Misrepresentation of Terms CreditFresh claims the loan is not a fixed loan to avoid standard lending regulations, which I believe is misleading and harmful to consumers. 

XXXX. Data Security Concerns I have serious concerns about the protection of my sensitive personal and financial information due to reports of data breaches involving XXXX XXXX. I request confirmation of the safeguards in place to protect consumer data. 

XXXX. Related Litigation These practices appear consistent with the allegations in XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX, a case that further raises questions about XXXXeditFreshs compliance with consumer protection laws.

Requested Relief : 1. Require CreditFresh to close and terminate my account.

2. Instruct CreditFresh to cease all negative credit reporting related to this disputed account.

3. A full CFPB investigation into CreditFreshXXXX XXXX XXXX and disclosure practices. 
XXXX. A complete accounting of my loan, including interest, fees, and payments. 
XXXX. Confirmation of the measures taken by CreditFresh to safeguard consumer data.

Company response to consumer: Closed with explanation