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Business Profile

Financial Services

CreditFresh

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 153 total complaints in the last 3 years.
  • 99 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:03/05/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I got a loan from CreditFresh they are a predatory loan scam. Agreement Date started 12-18-24. I have made over six payments each paid by weekly each of 317.00. Initial loan/line of credit was for 4750. I have made 6 payment about 270 go to fees each bi weekly payment only 46.00 to principal. The fees never diminish for the lifetime of the loan. My new amount owed So my overall balance is increasing. This people need reviewed for predatory lending and need shut down. I am hoping this can be reviewed and something can be done before I take legal action against. I was also told I cannot close my line of credit without paying the loan off in full. Which I know is not legal. I don't have a problem fulfilling the amount I owe plus interest but this is highway robbery. Please help me.

    Business Response

    Date: 03/10/2025

    Dear ******* **********

    CreditFresh, on behalf of CBW Bank, Member FDIC (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on March 6, 2025.

    We trust that the email sent to you on March 10, 2025 addresses your concerns.

    Should you have any further questions or concerns, please reach us by email at [email protected].

    Best Regards,

    The CreditFresh Team 


    Customer Answer

    Date: 03/13/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.




    Regards,

    Complaint ID: 23023486

     

     

     

  • Initial Complaint

    Date:03/04/2025

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Made a payoff on credit account. They “applied payment” but are still telling me that it is processing while it is now showing past due. Did not apply the portion towards the actual payment that is due. Tried to speak to someone and they would not even help me resolve issue. Asked for management and was told it would take two weeks. They are allowing it to accrue interest in the mean time while trying to collect payments still even though account is paid off

    Business Response

    Date: 03/13/2025

    Dear ****** *******, 

    CreditFresh, on behalf of CBW Bank, Member FDIC (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on March 5, 2025. 

    We trust that the email sent to you on March 13, 2025 addresses your concerns. 

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 

    Customer Answer

    Date: 03/13/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

    Regards,

    Complaint ID: 23020072

     

     

     

  • Initial Complaint

    Date:02/22/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I took out a line of credit with Credit Fresh online in January 10 of 2024 for $3,500, and $1000 on January 12th, 2024 and $1,100 on September 16, 2024, which is a total of $5,600.00. The monthly payments automatically comes out of my account bi-weekly, so I never checked my balance. I have been paying over $500 a month. Also, I just checked my bank account and the amounts change monthly. I have been paying a different amount every month $249, $248.55, $248.10, as high as $273.99 and every 2 weeks the amount with drawn from my account is a different amount. The payment has only been the same for 01/2024 and 02/2024. I just looked at my statement and noticed that I am not being charged a interest rate. My bi-weekly payment for 02/14/2025 was $210.25 and $166 was for bi-weekly billing cycle charges and $44.25 went towards the principal. January 03, 2025 bi-weekly payment was $261.62 and $216.00 was for bi-weekly billing cycle charges and $45.62 went towards the principal. January 03, 2025 bi-weekly payment was $273.51 and $226.00 was for bi-weekly billing cycle charges and $47.51 went towards the principal. I called Credit Fresh on today and asked for them to provide me with a document showing that I agreed to these terms. She said that the truth and lending statement is the agreement that I agreed to. I explained to her that I don't think that this is legal in the state of Florida to be charged these ridiculous billing cycle fees vs interest. Every two weeks the payments are different and I can't tell what the payments are based off, it goes up and down. I have paid $6,580.07 and my current balance is $4,757.52. I have paid $5,737.59 in billing cycle charges and only $842.48 has went toward my principal. If I was being charged a interest rate this account would be paid in full.

    Business Response

    Date: 03/04/2025

    Dear *** ********* 

    CreditFresh, on behalf of CBW Bank, Member FDIC (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on February 24, 2025. 

    We trust that the email sent to you on March 4, 2025 addresses your concerns. 

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 

    Customer Answer

    Date: 03/09/2025

    Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below. **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.I have requested for  the document that I signed agreeing to the terms of the Billing Cycle Charges.  I keep being directed to my Credit Fresh profile documents and there is no documents that contains my signature.  Again, this account should be paid if full and Credit Fresh owes me a refund. Regards, Complaint ID: 22977304    

    Business Response

    Date: 03/17/2025

    Dear ****

    CreditFresh, on behalf of CBW Bank, Member FDIC (“CBW”), has received new notification on March 12, 2025 from the Better Business Bureau (“BBB”).

    We trust that the email sent to you on March 17, 2025 addresses your concerns. 

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 

  • Initial Complaint

    Date:02/21/2025

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    To whom it may concern, I had an account opened with a company called CreditFresh that offered payday loan assistance. It did come in handy when I started a new job and needed some money to tide my over until regular paychecks started coming in. However, recently I paid off my account and have a $0 balance. Seeing as my credit is impacted by how many open accounts I have open at any given time, I wanted to close my account to free that up. I searched their website and could not find a "Close My Account" option. I emailed their customer service on 2/21/2025 and asked them to close my account. Their customer service was prompt (which is rare). I was asked to authenticate my account by providing my full name, last 4 of my SSN and my date of birth. I provided all of this information from the email address associated with my account, so there should be no doubt that it was ME requesting an account closure. Then I repeated that I wanted to close my account. I received an email back saying that verbal confirmation was required. Now, normally I would have let this go, but something has to be said about companies like this. 1. I did not do a verbal confirmation to OPEN the account, so why is it needed to close it? 2. What if I am not able to call in due to illness or handicap? 3. The balance of the account is $0, what harm is there to closing it?

    Business Response

    Date: 02/26/2025

    Dear ****** ******,

    CreditFresh, on behalf of First Electronic Bank, Member FDIC (“FEB”), has received your complaint through the Better Business Bureau (“BBB”) on February 24, 2025. 

    We trust that the email sent to you on February 26, 2025 addresses your concerns.

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 


    Customer Answer

    Date: 02/28/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

    Regards,

    Complaint ID: 22974264

     

     

     

  • Initial Complaint

    Date:02/15/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I took out a loan from Credit Fresh in August 2024. I am charged 153 every two weeks which I have paid on time. I checked my balance and realized my payments were majority going towards interest with only 30 dollars going towards principle a month. I contacted them because I am now the sole provider for my family and I am unable to make my payments. I wanted to see if they could make an arrangement so that the payments I have made could go towards the principal, they declined. Instead they agreed to pause and bi weekly payment. This company is predatory and needs to be stopped. How can so many people enter into an agreement with them unaware that the payments are to pay off interest? Please look into this, I can't afford to pay them interest when I've nearly paid off the amount borrowed with payments alone.

    Business Response

    Date: 02/24/2025

    Dear ***** *****, 

    CreditFresh, on behalf of First Electronic Bank, Member FDIC (“FEB”), has received your complaint through the Better Business Bureau (“BBB”) on February 18, 2025. 

    We trust that the email sent to you on February 24, 2025 addresses your concerns. 

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 

    Customer Answer

    Date: 02/27/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.




    Regards,

    Complaint ID: 22945577

     

    Thank you first your response. I have made over 1800 in interest payments, and I am requesting that the amount be transfered to pay the principal. As mentioned my financial health has taken a turn for the,worst and I simply cannot afford the payments over feeding my family. Please consider my request as I will not be able to make payments for the foreseeable future. 

     

    Business Response

    Date: 03/10/2025

    Dear ******

    CreditFresh, on behalf of First Electronic Bank, Member FDIC (“FEB”), has received new notification on March 5, 2025 from the Better Business Bureau (“BBB”). 

    We trust that the email sent to you on March 10, 2025 addresses your concerns. 

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 


  • Initial Complaint

    Date:02/07/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I sadly and unfortunately got suckered into taking out a loan with this abomination of a company. If that's what they are. the loan was for $3500 and I was paying $229 twice a month to pay it back. Thats $458 a month! I log in to the portal and I see I now owe $4500 ????!!! And only $75.00 has been applied to the principal?!?! This is a SCAM OUTRIGHT PREDATORY LENDING and a PREDATORY BUSINESS. This has to stop! They need to be run out of business. I can only imagine the damage they have done! This place needs a Congressional Inquiry and I am starting that process with my Congressman's office. They need to go away!

    Business Response

    Date: 02/12/2025

    Dear ******* ******,

    CreditFresh, on behalf of CBW Bank, Member FDIC (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on February 7, 2025. 

    We trust that the email sent to you on February 12, 2025 addresses your concerns.

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 

    Customer Answer

    Date: 02/14/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.




    Regards,

    Complaint ID: 22912158

     

     

     

  • Initial Complaint

    Date:02/04/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This company is a scam from ***** *hey have been charging my account since 2024 for a line of credit I never received. You can call them and they are quick to drop the call and will not provide you any assistance or information on your account. At this point I will be seeking legal assistance on this matter I want my money or a refund for this fake line of credit

    Business Response

    Date: 02/12/2025

    Dear ******* ****** 

    CreditFresh, on behalf of CBW Bank, Member FDIC (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on February 6, 2025. 

    We trust that the email sent to you on February 12, 2025 addresses your concerns. 

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 

    Customer Answer

    Date: 02/19/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

    I never received any funds per verified with my banking institution and continue to be charged for something I never received.

    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.




    Regards,

    Complaint ID: 22899468

     

     

     

    Business Response

    Date: 02/26/2025

    Dear ******** 

    CreditFresh, on behalf of CBW Bank, Member FDIC (“CBW”), has received new notification on February 25, 2025 from the Better Business Bureau (“BBB”). 

    We trust that the email sent to you on February 26, 2025 addresses your concerns. 

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 

  • Initial Complaint

    Date:01/31/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have an account with credit fresh. The loan was established July 13, 2023 for the open account credit limit of $3,250.00 with a ACH monthly deduction of $197.36. Since making monthly payment of 197.36 beginning July of 2023 would total $ 3552.48 which exceeds the amount of the initial loan. On my credit report and account, initial loan balance is still reflected. I've made contact with customer service several times, only to be told to make payments higher than the minimum payment in order to satisfy the loan. Essentially, I'll be paying twice as much for the loan if I were to do this. Credit fresh needs to reflect my account as pain in full and report it to the credit bureaus.

    Business Response

    Date: 02/10/2025

    Dear ******* ***** 

    CreditFresh, on behalf of First Electronic Bank, Member FDIC (“FEB”), has received your complaint through the Better Business Bureau (“BBB”) on February 3, 2025. 

    We trust that the email sent to you on February 10, 2025 addresses your concerns. 

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 

    Customer Answer

    Date: 02/12/2025

    Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below. **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.The business need to rectify my account. The onetime payments equate to more than the loan amount.  The business needs to show the account as paid in full and reflect a zero balance on my credit report.  Regards, Complaint ID: 22885539    

    Business Response

    Date: 02/24/2025

    Dear ******** 

    CreditFresh, on behalf of First Electronic Bank, Member FDIC (“FEB”), has received new notification on February 20, 2025 from the Better Business Bureau (“BBB”). 

    We trust that the email sent to you on February 24, 2025 addresses your concerns. 

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 

  • Initial Complaint

    Date:01/29/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I applied for a line of credit online. Through credit fresh, it gave a vague, and confusing explanation of the fee schedule, a lot of that information was withheld. It provided a breakdown of your biweekly payment amounts based on the amount you advanced. I took out $2500, my first payment was $110. Their website showed my balance went from $2500 to a little over $2700. I was in shock. I called the company, and they told me my biweekly payment is $169, which if there are three payrolls in the months, you make three payments. So, payments are ranging from a little over $300 to $500 of those biweekly payment $25 goes to the principal and the rest to interest. That means, unless I make extra payments of basically up to $1000 a month, this will never get paid down, and actually the loan balance will continue to increase, literally nearly all of my payments go to fees, my balance would continue to increase indefinitely. There would be absolutely NO way to ever pay this off. Unless I had $2500 sitting around, or more. I have never in my life had a loan that took advantage such as this company. They are worse than pay day loans and are sneaky hiding the fees. I told them if they did not negotiate those fees, I will not continue to make any payments, as this is a prime example of predatory lending. They refused to negotiate or lower the fees. This is predatory lending and illegal. Companies have been sued for doing this, and I will sue them if they don't negotiate this to a reasonable and attainable fee amount. Please note if there is no amicable legal resolution to this, I will seek legal advice and contact the local news in regard to this.

    Business Response

    Date: 02/07/2025

    Dear ****** *****, 

    CreditFresh, on behalf of CBW Bank, Member FDIC (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on January 29, 2025. 

    We trust that the email sent to you on February 7, 2025 addresses your concerns. 

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 

    Customer Answer

    Date: 02/12/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.




    Regards,

    Complaint ID: 22872498

     

     

     

  • Initial Complaint

    Date:01/08/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have no need to further associate with this business. When calling to ask if it’s possible to terminate my account (I’ve only created the profile, and applied for an account that was no longer needed.) I was questioned about my reasoning, and was put on hold for 4 mins. When the agent returned, I got denied and was told it would not be possible to terminate til after 5 years? That was odd to me. The agent didn’t sound “alert” or “concerned” when I questioned the validity of said denial. I was put on hold yet again, so I started a chat log and when asked if it would be possible to terminate my profile, I was put on hold (this was getting ridiculous…) and then got “disconnected due to inactivity” on my behalf when waiting for my assigned agent to return. It’s a bit sketchy, I don’t like that my information was taken, and then when trying to delete any further association it was denied.

    Business Response

    Date: 01/14/2025

    Dear ******** *******, 

    CreditFresh, on behalf of CBW Bank (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on January 9, 2025. 

    We trust that the email sent to you on January 14, 2025 addresses your concerns. 

    Should you have any further questions or concerns, please reach us by email at [email protected]. 

    Best Regards, 

    The CreditFresh Team 

    Customer Answer

    Date: 01/16/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.




    Regards,

    Complaint ID: 22785294

     

     

     

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