What is the most common complaint against Credit Fresh Holdings Inc?

The most common issue consumers report about Credit Fresh Holdings Inc is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 280 complaints filed with the CFPB.

Are complaints against Credit Fresh Holdings Inc increasing or decreasing?

Complaints against Credit Fresh Holdings Inc are rising. The company received 203 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Credit Fresh Holdings Inc's reputation grade?

Credit Fresh Holdings Inc has a reputation grade of F (score: 47.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Fresh Holdings Inc respond to consumer complaints?

Credit Fresh Holdings Inc has a 99% timely response rate to CFPB complaints.

In how many states does Credit Fresh Holdings Inc operate?

Credit Fresh Holdings Inc has received CFPB complaints from consumers in 34 states, with the most complaints from Texas (66 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Credit Fresh Holdings Inc - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

118
Attempts to collect debt not owed

52
Communication tactics

38
Written notification about debt

26
Threatened to contact someone or share information improperly

23
False statements or representation

19

Data updated September 2026

CFPB complaint disposition

CCDB record credit-fresh-holdings-inc Credit Fresh Holdings Inc

Grade F · 280 CFPB filings · 99% timely · lead issue: Took or threatened to take negative or legal action · vol #419 · compose #4344

VOL 280
GRADE F
12MO 203
STATES 34
TIMELY 99%
ISSUE Took or threatened to take…
RANK #419
COMPOSE #4,344

Volume peers

Nearest volume peer: Persolve, LLC - Legal - Series 2 (280 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Fresh Holdings Inc's 280 CFPB complaints sit next to Persolve, LLC - Legal - Series 2 on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for Credit Fresh Holdings Inc (23.6%)

Volume rank #419 and composite rank #4,344 diverge by 3,925 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 23.6%; Mid-band (15–30%) · 34 states with ≥1 filing
Seasonal peak: 2026-01 10.3%; 8–15% band · 19 filings
Divergent corpus ranks: #419 volume; #4,344 composite; Cleanest-composite ladder is 3,925 places worse than volume

How does Credit Fresh Holdings Inc compare to its peers?

How does Credit Fresh Holdings Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Credit Fresh Holdings … National average

Complaints (last 12 mo)lower is better

203

268

Timely-response ratehigher is better

99%

87%

91%

Consumer-dispute ratelower is better

37%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	118
Attempts to collect debt not owed	52
Communication tactics	38
Written notification about debt	26
Threatened to contact someone or share information improperly	23
False statements or representation	19
Electronic communications	4

Where do complaints against Credit Fresh Holdings Inc come from?

Credit Fresh Holdings Inc's own per-state count, not a national baseline.

Texas

66
Florida

50
Arizona

29
South Carolina

22
Ohio

16
Michigan

14
Washington

13
Tennessee

8

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Fresh Holdings Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 280.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.94179894179894%.

4 peers

Know your rights before responding to Credit Fresh Holdings Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.