Complaints
Customer Complaints Summary
- 54 total complaints in the last 3 years.
- 10 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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.
Initial Complaint
Date:03/12/2025
Type:Status:AnsweredMore info
Complaint statuses
- 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 am not responsible for the debt alleged by CBW There is no agreement between me and CBW, and they have not provided the original contract as requested.
Business Response
Date: 03/18/2025
Dear consumer,
CreditFresh has received your complaint through the Better Business Bureau (“BBB”) on March 13, 2025.
We trust that the email sent to you on March 18, 2025 addresses your concerns.
Should you have any further questions or concerns, please reach us by email at ************************.
Best Regards,
The CreditFresh Team
Initial Complaint
Date:01/12/2025
Type:Status:AnsweredMore info
Complaint statuses
- 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.
They’re under underwriting department do not know how to calculate income. They were giving all of the requested documentation and a calculation on how to calculate income and they still did not have their numbers right they were unprofessional. Did not care about the consumer did not apologize and did not bother to fix their air did not provide an explanation of why they made an error.Business Response
Date: 01/15/2025
Dear ***** *******,
***********, on behalf of CBW Bank, Member FDIC (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on January 13, 2025.
We trust that the email sent to you on January 15, 2025 addresses your concerns.
Should you have any further questions or concerns, please reach us by email at ************************.
Best Regards,
The *********** Team
Initial Complaint
Date:01/10/2025
Type:Status:AnsweredMore info
Complaint statuses
- 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 believe this account has been assigned to me in error, as I am not liable for the debt in question.
I have no contractual obligation with CBW and have never received any documentation to substantiate the validity of this debt, despite my formal requests for verification. I specifically asked to review the original application or contract related to this alleged debt. Since CBW has been unable to provide this documentation, I assert that the debt is not mine and should not be associated with my records.
I kindly request the removal of this erroneous collection from my account and an acknowledgment of this resolution in writing. Thank you for your attention to this matter.Business Response
Date: 01/15/2025
Dear ****** ******,
***********, on behalf of CBW Bank, Member FDIC (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on January 10, 2025.
We trust that the email sent to you on January 15, 2025 addresses your concerns.
Should you have any further questions or concerns, please reach us by email at ************************.
Best Regards,
The *********** Team
Initial Complaint
Date:01/10/2025
Type:Status:AnsweredMore info
Complaint statuses
- 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 that the terms were not listed up front. Learned my lesson there. I had been making payments to try and get the balance down. I took out 5k, paid about 2k and now OWE 7k. I was recently in the hospital and requested a payment plan. The payment plan was approved and then two days later it canceled on its own. I am finally out and better from my accident and woke up with a 30 day delinquent notice on my credit report after trying to play catch up with this company. No one has answers when I call and now want 7k in FULL. I feel scammed and defeated and I know laws are being violated. Be warned.Business Response
Date: 01/15/2025
Dear ***** ******,
***********, on behalf of First Electronic Bank, Member FDIC (“FEB”), has received your complaints through the Better Business Bureau (“BBB”).
We trust that the email sent to you on January 15, 2025 addresses your concerns.
Should you have any further questions or concerns, please reach us by email at ************************.
Best Regards,
The *********** Team
Initial Complaint
Date:12/17/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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 am not liable for dept with *******, I do not have contact with CBW BANK they did not provide me this the original contract as requestedCustomer Answer
Date: 12/18/2024
THIS IS A FRAUDULENT DUPLICATE CHARGE I NEVER AUTHORIZED. VAIL HAS FULLY REFUNDED UPLIFT AND THE ACCOUNT IS CLOSED ON SEPTEMBER 1ST. I DO NOT HAVE A CONTRACT WITH *******/CBW BANK. I RECEIVED NO GOODS OR SERVICES. THIS IS FRAUD.
Business Response
Date: 12/30/2024
Dear consumer,
CreditFresh, on behalf of CBW Bank, Member FDIC (“CBW”), has received
your complaint through the Better Business Bureau (“BBB”) on December 20, 2024.We trust that the email sent to you on
December 30, 2024 addresses your concerns.Should you have any questions or concerns,
please reach us by email at *************************Best Regards,
The CreditFresh Team
Initial Complaint
Date:12/03/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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.
The loan program is disguised as a line of credit, but behaves like a payday loan. Each paycheck amounts over 300 dollars are take from my account and the amount owed increases. They disguise interest as a penalty. It is a violation of Alaska's usury laws. I've paid far more in fees than the amounts borrowed. Please help me resolve this.Business Response
Date: 12/13/2024
Dear **** ******,
CreditFresh, on behalf of CBW Bank, Member FDIC (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on December 4, 2024.
We trust that the email sent to you on December 13, 2024 addresses your concerns.
Should you have any questions or concerns, please reach us by email at ********@creditfresh.com.
Best Regards,
The CreditFresh Team
Initial Complaint
Date:12/03/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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,
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
CBW ACC* ** ******** **** ****0
Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Business Response
Date: 12/11/2024
Dear consumer,
CreditFresh, on behalf of CBW Bank, Member FDIC (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on December 4, 2024.
Unfortunately, we are unable to complete our review as we were unable to locate your account using the information on the complaint.
Please provide the email address and telephone number associated with your account and/or account number in question.
In order to assist you with this matter we need to verify your account, please reach us by emailing [email protected].
Best Regards,
The CreditFresh Team
Customer Answer
Date: 01/14/2025
o Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. *** **** ** ******** BAL. $0.00 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Business Response
Date: 01/17/2025
Dear ******* *****ar,
CreditFresh, on behalf of CBW Bank, Member FDIC
(“CBW”), acknowledges receipt of your complaint submitted through the Better
Business Bureau (“BBB”) on January 14, 2024.Regrettably, we are unable to proceed with our
review as we could not locate your account based on the information provided in
the complaint. It appears there may have been an error, and your complaint was
mistakenly filed against CreditFresh/CBW.To facilitate our investigation into your
concerns, we kindly request that you provide the email address and telephone
number associated with your account, as well as the account number in question.
Additionally, if you have any relevant documentation, such as loan documents or
emails confirming your account with CBW, please provide those as well to enable
a thorough review of your claims.To assist you further, we need to verify your
account. Please contact us by emailing [email protected] and include the
requested information.Best Regards,
The CreditFresh Team
Initial Complaint
Date:09/05/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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.
A loan was taken out October 6, 2023 with Credit Fresh (CBW) for $3750.00 during a moment of emergency. To date the balance is $3400 after making bi weekly payments of $217 totally $3600 in interest payments with no end in sight. This is predatory lending at its finest. I am requesting a reasonable payoff.Business Response
Date: 09/16/2024
Dear Carri Griffin,
CreditFresh, on behalf of CBW Bank, has received your complaint from Better Business Bureau (“BBB”) on September 6, 2024.
We trust that the email sent to you on September 16, 2024 addresses your concerns.
Should you have any questions or concerns, please reach us by email at ************************.
Best Regards,
The CreditFresh Team
Business Response
Date: 09/24/2024
Dear
BBB,
We
are currently working with the consumer directly towards a resolution.
We
will update you once a resolution is reached.
Sincerely,
The
CreditFresh TeamInitial Complaint
Date:08/21/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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.
Opened a Line of Credit account on 06/25/2024, which I have now found is in violation of the usury laws in Florida, Delaware and Kansas. I would like to come to a resolution as this loan has somehow grown over the initial $3000 despite already paying over $400 in interest in less than 2 months.Business Response
Date: 08/26/2024
Dear ******* *******,
CreditFresh, on behalf of CBW Bank (“CBW”), has received your complaint through the Better Business Bureau (“BBB”) on August 21, 2024.
We trust that the email sent to you on August 26, 2024 addresses your concerns.
Should you have any questions or concerns, please reach out to us by email at [email protected].
Best Regards,
The CreditFresh Team
Initial Complaint
Date:04/22/2024
Type:Status:AnsweredMore info
Complaint statuses
- 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 just got a credit alert a account was closed with this bank but I have no knowledge of ever opening an account or what this bank is. I'd like a report and repair my credit if any inquiry has been made. I don't see this on any report but trans union and can not confirm this is even real
I don't know what is going on but my next step is the FTC if I can't find resolution here. Who tried to use my identity and why?Business Response
Date: 04/29/2024
Dear ***** *********
CreditFresh
has received your complaint on April 22, 2024, through the Better Business
Bureau (“BBB”).We trust that our email sent to you on April
29, 2024, addresses your concerns.Should
you have any further questions or concerns, please email us at [email protected].Best
Regards,The CreditFresh Team
Customer Answer
Date: 04/29/2024
Complaint: ********
I am rejecting this response because: all they advised was they didn't know why I reached out and could not find an account in my name. Which is good because I don't know who CreditFresh is - however that makes it more concerning an account that was never opened, was closed and was on my transunion credit report -- how was my information even given if we both do not have record of an account??This is alarming. I do not want to deal with fraud or identity theft again.
Sincerely,
***** ********Business Response
Date: 04/30/2024
Dear ***** *********
As was stated in
our previous email, we have received BBB complaint containing your name and
email address. We take complaints very seriously and we would like to assist
you. In order to review your concerns, we would require a copy of the credit
report in question. If you do not wish to provide supporting documents, we
would deem this complaint resolved.
Sincerely,
The CreditFresh
Team
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