Personal, payday and title loans
Credit Fresh: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 62
- Closed with money back
- 0
- 2023 to 2025
- 7 to 34
Credit Fresh received 493 complaints from everyone in the window; 62 carried the servicemember tag. The complaints are mostly about payday loan, title loan, personal loan, or advance loan, and the single most common issue is "Incorrect information on your report". 0 of the 62 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 7 in 2023 to 34 in 2025.
What the complaints are about
By product
| Payday loan, title loan, personal loan, or advance loan | 30 |
| Debt collection | 15 |
| Credit reporting or other personal consumer reports | 14 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Mortgage | 1 |
By issue
| Incorrect information on your report | 14 |
| Charged fees or interest you didn't expect | 11 |
| Struggling to pay your loan | 7 |
| Communication tactics | 6 |
| Problem when making payments | 4 |
| 2023: 7 | 2024: 21 | 2025: 34 |
Which accounts, specifically
| Personal line of credit | 31 |
| Credit reporting | 15 |
| Payday loan debt | 6 |
| Installment loan | 5 |
| I do not know | 5 |
What went wrong, specifically
| Information belongs to someone else | 8 |
| Account information incorrect | 5 |
| Used obscene, profane, or other abusive language | 3 |
| Talked to a third-party about your debt | 2 |
| Debt is not yours | 2 |
Busiest month: January 2025, with 8 servicemember complaints. Most were submitted by web.
Most complaints came from TX (17), AZ (8), FL (7) , then PR, MI, OH.
How Credit Fresh answered
| Closed with explanation | 62 |
Credit Fresh responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Payday loan, title loan, personal loan, or advance loan; Incorrect information on your report. GA, 2024-09-01. Outcome: Closed with explanation. Complaint 9984980
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Payday loan, title loan, personal loan, or advance loan; Problem with additional add-on products or services. TX, 2024-09-01. Outcome: Closed with explanation. Complaint 9982399
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Payday loan, title loan, personal loan, or advance loan; Charged fees or interest you didn't expect. TX, 2024-08-30. Outcome: Closed with explanation. Complaint 9968958
If this is your problem at Credit Fresh
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with personal, payday and title loans peers
- Greensky Operations 61 servicemember complaints; 1 with money back
- LendingPoint 56 servicemember complaints; 4 with money back
- American First Finance 51 servicemember complaints; 9 with money back
- Wheels Financial 51 servicemember complaints; 0 with money back
- Klarna Ab 80 servicemember complaints; 2 with money back
Next in the directory by volume: Oportun Financial, Thaxton Investment.
Frequently asked questions
How many complaints did servicemembers file against Credit Fresh?
62 complaints tagged servicemember were received by the CFPB about Credit Fresh Holdings Inc between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 7 in 2023 to 34 in 2025.
What do servicemembers complain about most at Credit Fresh?
Payday loan, title loan, personal loan, or advance loan accounts for 30 of the 62 complaints, and the most common issue is "Incorrect information on your report" (14). Next: "Charged fees or interest you didn't expect" (11).
Does Credit Fresh give money back when a servicemember complains?
0 of the 62 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 62 closed with an explanation only. Credit Fresh answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.