Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
I am filing a complaint regarding CreditFresh XXXX XXXX XXXX XXXX in connection with a line of credit application that I accessed through the XXXX platform. I was approved on the website for a line of credit and was shown that I qualified. After that, I was told I needed to complete additional verification and submit documents. Once I figured out how to upload the documents myself, I submitted all documents they required. After I submitted the requested documents, the company repeatedly required me to call instead of simply processing the application. During those calls, I was repeatedly told that I had a fraud statement or fraud alert on my credit report and that I needed to remove it in order for them to give me the line of credit. This is a serious concern because the fraud alert / fraud statement is on my credit file for consumer protection due to identity theft concerns. It is not supposed to be treated as a barrier that forces a consumer to remove a lawful fraud protection in order to receive credit. I should not be required to remove an identity theft protection from my credit report just to complete a credit application, especially after the company already approved me online and proceeded with the application process. The company had already reviewed my application, accessed my credit, and approved me on the website. My account portal showed the application in Pending Verification status and indicated that verification steps were being completed. The issue was then shifted to phone calls where I was told the fraud statement had to be removed. After I refused to remove that consumer protection, the company then stated they were unable to process the application. The company did not provide me with a clear written explanation of why they would not complete the line of credit, and they did not provide a proper written adverse action notice clearly stating the principal reason for refusing to proceed. I believe this conduct is unfair and deceptive because : 1. I was approved online and led to believe the line of credit was being finalized. 2. I was required to submit sensitive documents after approval. 3. After I submitted everything, the company repeatedly directed me to call instead of simply completing the process. 4. The company repeatedly told me I needed to remove a fraud alert / fraud statement from my credit report in order to receive credit. 5. A fraud alert is a lawful consumer protection tied to identity theft concerns and should not be used to pressure a consumer into removing it as a condition of extending credit. 6. After I refused to remove that protection, the company stated they were unable to process the application rather than giving a clear written determination. 7. I was not provided a proper written explanation or adverse action notice clearly explaining the decision. I am requesting that the CFPB investigate whether CreditFresh / XXXX XXXX XXXX engaged in unfair or deceptive practices by approving the application online, collecting documents, and then conditioning credit on removal of a fraud alert / fraud statement from my credit file. I want the company to provide : 1. A written explanation of the final status of my application ; 2. The exact reason they refused to complete or fund the line of credit ; 3. Copies of all internal notes, underwriting notes, and fraud-review notes related to my application ; 4. Confirmation of whether they required or expected me to remove a fraud alert / fraud statement as a condition of extending credit ; 5. Confirmation of whether my credit report was accessed and when ; 6. Copies of any adverse action notice or explanation that should have been provided ; 7. A full explanation of why I was approved online, asked to submit documents, then told to remove a fraud protection from my credit file in order to receive credit.

Company response to consumer: Closed with explanation