Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Subject : Demand for Enforcement, Restitution, and Civil Penalties for Violations of Lending Laws by CreditFresh and XXXX XXXX  To Whom It May Concern : My name is XXXX XXXX, and I am filing this formal complaint against CreditFresh, operated by XXXX XXXX, for engaging in systematic violations of federal and state lending laws. These violations include : Unlawful, excessive billing cycle charges Deceptive and non-transparent cost structures Violations of the Truth in Lending Act ( TILA ) Breaches of Floridas civil and criminal usury laws These practices caused me substantial financial harm from XXXX to XXXX, with the lender assessing over {$5200.00} in billing cycle fees on a principal draw of only $ XXXX after I made {$7000.00} in payments. 


STATUTORY & PUNITIVE DAMAGES CLAIMED Under applicable law, I seek the following : TILA Civil Damages ( 15 U.S.C. 1640 ) : Actual damages : {$1100.00} ( net loss to date ) Statutory damages : Up to {$2000.00} per violation Class-based cap ( if certified ) : {$1.00} XXXX Attorneys fees ( as allowed under TILA ) Florida Civil Usury Damages XXXX XXXX, XXXX. XXXX. ) : Up to double the interest paid in violation Estimated claim : $ XXXX in civil usury recovery Florida Criminal Usury & Deceptive Lending XXXX XXXX, XXXX XXXX XXXX. ) : APR exceeding 45 % constitutes felony usury Lender may be liable for forfeiture of interest and punitive damages I estimate potential punitive damages between {$25000.00} {$50000.00} FINANCIAL SUMMARY ( XXXX ) Category Total Principal Drawn {$5800.00} Total Payments Made {$7000.00} Total Billing Cycle Fees {$5200.00} Net Loss ( as of XX/XX/XXXX ) {$1100.00} Additionally, early statements show predatory patterns from the beginning : XX/XX/XXXX : Draw {$400.00} Fee {$60.00} XX/XX/XXXX : Draw {$260.00} Fee {$110.00} XXXX Over {$170.00} in fees on only {$660.00} borrowed in two months ( XXXX % effective APR in 60 days ) This excessive structure matches characteristics of debt traps and payday loan abuse long prohibited under both federal and Florida law. 


SUPPORTING DOCUMENTATION 50+ monthly statements ( XXXX ) Exhibit Index summarizing billing fees, principal, and payments Screenshots and visual documentation of account history I AM REQUESTING THE FOLLOWING : XXXX. A formal investigation into CreditFresh and XXXX XXXX  fee structure and legal compliance. 


XXXX. Enforcement of restitution for all fees exceeding Florida and federal lending limits. 


XXXX. Imposition of civil penalties and punitive damages where warranted. 


XXXX. Collection or mediation assistance for all damages due to me under statute. 


XXXX. A cease-and-desist against CreditFreshs lending practices within Florida unless licensed and compliant. 



CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX I am prepared to provide additional documentation, sworn statements, and testimony. I request that your office take immediate action to protect consumers from these ongoing abuses. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation