Healthcare Finance Direct LLC.

CFPB Feedback : Rejection of Company Response ( Case # XXXX ) Do you accept the company 's response? NO. Feedback/Rebuttal : I strongly reject Healthcare Finance Direct 's ( HFD ) claim that this matter is " resolved and closed. '' HFDs response is highly deceptive, omitting documented missing funds, bad-faith negotiation tactics, and severe internal record-keeping failures. While I acknowledge that the {$500.00} was finally confirmed during the XX/XX/year> conference call, XXXX is intentionally ignoring the remaining outstanding balance and their own contradictory documents. 1. Unresolved Missing Funds ( {$52.00} ) & Deceptive Record Keeping HFD is ignoring the official " Refund Down Payment '' email their own system issued to me on XX/XX/year>, which explicitly stated an additional refund of {$52.00} was processed. Furthermore, this official receipt stated the {$52.00} was directed to an account ending in XXXX. My verified XXXX account ends in XXXX.…

Read full complaint at CFPB →

My name is XXXX XXXX I need assistance with Account XXXX. XXXX I need XXXX XXXX to emailed me about with updates I cant get ahold of her by emails no response from her and her email is XXXX I need to know when will my refund be processed and how much will I get back and have her email me at XXXX XXXX

I am submitting a complaint regarding the handling of fraudulent and unauthorized transactions on my Flexible Spending Account ( FSA ) debit card. I did not authorize the transactions and reported them as fraud. My FSA card administrator confirmed that certain charges were fraudulent ; however, the merchant has refused to issue a refund or cooperate in returning the funds. I was informed that the funds can not be recovered directly through the card issuer due to the length of time the merchant continued processing charges after fraud was identified. I am requesting that the company be required to respond formally and explain why a refund has not been issued for unauthorized transactions.

CFPB Case Update : Formal Evidence of Unresolved Refund & Bad Faith Conduct Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Reference Information : Current CFPB Case # : XXXX Payment Plan ID # : XXXX Complaint Update : Evidence of {$52.00} Unpaid Refund I am providing formal proof of an additional unresolved refund that Healthcare Finance Direct ( HFD ) refused to acknowledge during a conference call on XX/XX/year>. While a separate amount of {$500.00} was confirmed as posted, HFDs XXXX XXXX, XXXX XXXX, abruptly hung up the call when confronted with the following documented evidence of a second missing payment. +2 Documented Proof of Misdirected Funds : Official Refund Receipt : On XX/XX/year>, HFD sent an official email ( Subject : Refund Down Payment ) stating : " A {$52.00} refund has been processed to your account ''. Incorrect Destination : This legal receipt explicitly states the {$52.00} was " Refunded to Ending in XXXX ''.…

Read full complaint at CFPB →

On XX/XX/year>, I received XXXX XXXX XXXXt The XXXX XXXX XXXX which later resulted in a {$2500.00} overpayment. On XX/XX/XXXX, my dental insurance issued a check reflecting this {$2500.00} overpayment. XXXX XXXX XXXX XXXX XXXX XXXXXXXX later stated that this overpayment was sent to my third-party financing account with Healthcare Finance Direct ( HFD ) on XX/XX/XXXX, instead of being refunded directly to me. On XX/XX/XXXX, I contacted HFD to verify this transaction. HFD informed me that a principal reduction had been applied to my account ; however, they were unable to provide the payment method or confirm whether an actual {$2500.00} payment was ever received. There is no visible transaction record showing how these funds were transferred, and no documentation has been provided to support that a payment was actually made. I did not authorize any redirection of my overpayment to my financing account.…

Read full complaint at CFPB →

Rebuttal to Company Response ( CFPB Case # XXXX ) Subject : Discrepancy in Refund Dates and Evidence of Misdirected Funds ( XXXX XXXX ) I am providing this feedback because the companys response is inaccurate and does not resolve the issue. Healthcare Finance Direct ( HFD ) claims a refund was successfully issued to me on February 9, 2026, yet their own evidence and actions contradict this. 1. The Discrepancy in Refund Dates and Amounts HFDs formal response to the CFPB claims a refund was issued via ACH on XX/XX/year>. However, I received a subsequent official email from HFD on XX/XX/year>, stating that a refund of {$52.00} was " processed '' on that day. If a refund was already successfully completed on the XXXX, there would be no reason for a second notification on the XXXX for a specific amount of {$52.00}. 2. Evidence of Incorrect Banking Information XXXX XXXX XXXX ) HFD attached a document titled " Payment Details- XXXX XXXX '' to " prove '' the payment was sent.…

Read full complaint at CFPB →

I am filing a formal complaint against Healthcare Finance Direct ( HFD ) regarding a medical financing agreement connected to XXXX. This agreement was entered into based on misrepresentation at the time of sale. The service was described as unlimited treatments for one year, however treatments are actually restricted to every 56 weeks, which significantly limits the number of sessions. The company is also charging about 24 % APR. Additionally, the term permanent hair removal was used, which is medically misleading and inaccurate. The borrower is a XXXX first-time consumer who relied on these representations. We also requested copies of the signed contract, billing details, and payment authorization multiple times via phone and email, but no documents were provided. Only one treatment session has been performed.…

Read full complaint at CFPB →

My name is XXXX XXXX I got this email Refund Down Payment Inbox XXXX Unsubscribe Thu, XX/XX/XXXX, XXXX ( 8 days ago ) to me Refund Process XXXX Hi XXXX XXXX XXXX A {$52.00} refund has been processed to your account. Please allow 3-5 business days for your bank to complete the transaction. solid Refund Receipt details Name Payment Plan ID # Date Refund Amount Refunded to XXXX XXXX XXXXXXXX XXXX {$52.00} Ending in XXXX Questions? email-us call-us logo Powered by : Healthcare Finance Direct All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX Privacy Policy but I emailed XXXX to see if it was true or no but they responded but they answered my question or resolve my issue and when I asked again they didnt respond and for this complaint I need to see if this is true or not and also I didnt get the refund to my bank account for that amount etc.

I signed up with smile direct club years ago and never received my aligners. Then the company went out of business. Not only are they wanting me to pay the loan that was taken out by them. They moved it to collections and say I still owe {$1800.00} for something I NEVER RECEIVED. I have contacted XXXX collect and they told me theres nothing they can do about it that I would have to call the healthcarefinancial direct so I did that and they told me it is out of their hands since it is now in collections. This is ruining my credit score and is extremely unfair considering I never received the product that the loan was supposedly taken out for.

I dispute this account under reason code XXXX ( no verification ). I have not received original documentation proving the debt or assignment of the account. Collection calls continued despite my request for validation. I request investigation and verification. If verification can not be provided, I request correction of the account.

I am writing to formally dispute the following account listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX I have no knowledge of this account and do not recognize this debt. I have never received services or communication regarding this matter. This account does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and verification of this account. Please provide documented proof that this debt is mine, including : The original signed agreement Proof of services rendered Full account history XXXX this account was legally assigned to this collection agency If you can not provide proper validation, this account must be removed from my credit report immediately. Please send me written confirmation of the results of your investigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I am disputing a debt being collected by XXXX XXXX related to XXXX financing through Health Finance. XXXX ceased operations and was unable to complete my XXXX treatment. Because the services were not completed, this debt is invalid. Despite this, the account was sent to collections. I have formally requested validation of the debt, including proof that services were completed and that I am legally obligated to pay. No such documentation has been provided. I am requesting that this account be removed, that all collection activity cease, and that any credit reporting related to this account be deleted. Attempting to collect a debt for services that were never provided is unfair and deceptive. I am currently reviewing my legal options, including potential class action participation or other legal remedies. I am requesting full resolution, including removal of the debt from all records, cessation of collection activity, and deletion from my credit report.

This complaint concerns debt servicing and verification failures, not medical treatment or provider services. I selected a payment plan at XXXX XXXX of sale but did not receive a copy of the XXXX XXXX XXXX or required disclosures at that time. I only received these documents after making repeated written requests. Since then, I have requested basic servicing documentation necessary to verify the accuracy of the account, including : identification of the custodian of the electronic-signature XXXX XXXX ; proof of delivery of the consumer copy at the time of signing ; a written ledger reconciliation explaining assessed service fees ; and ACH trace details and return codes for disputed debits. Healthcare Finance Direct ( XXXX ) has repeatedly redirected me to the merchant for these records while simultaneously enforcing payment, assessing fees, and permitting third-party collection contact. The merchant, in turn, directs me back to XXXX for loan-servicing matters.…

Read full complaint at CFPB →

XXXX has shut down and left your treatment incomplete. Started communication with XXXX on XX/XX/XXXX and stopped communications on XX/XX/XXXX Explain that they have not fulfilled their contractual obligations, yet their financing partners ( HFD ) are still demanding payment. Smile Direct club breached their contractual agreements. HFD refusal to provide information on who owns your debt. And now its reporting to my credit report. Ive asked the collector - TEK-collect inc to provide me proper validation of the debt. They won't provide.

My complaint is against HFD healthcare finance direct because I received aligners from XXXX XXXX XXXX XX/XX/year> I tried to cancel way before the aligners were ever sent. XXXX XXXX XXXX acted as though they never spoke to me or remembered speaking to me. I tried to cancel because i saw on social media they were going out of business which was shocking since they accepted my order. It was constant back and forth until they sent the aligners and then next thing you know they went out of business in XX/XX/year> leaving me with a box of aligners no further treatment as promised and I have had several issues with my teeth with no help as promised by XXXX XXXX I think its unfair that the finance company is still trying to collect when services were not rendered as promised for life. Also I tried to cancel which I feel was ignored by XXXX XXXX due to their knowing they were going bankrupt. Its not good business practice and it is unfair to myself and plenty of consumers.…

Read full complaint at CFPB →

I applied for financing through XXXX for services at XXXX. During the sales process, the merchants representative told me the financing would be an XXXX payment plan with no interest. When I questioned why the financing screen showed a 29.99 % APR and finance charges, the representative told me it was a glitch and assured me that interest would not apply to my account. Based on that explanation, I proceeded with the application. I had just turned XXXX at the time of signing. During the sales process, the representative explicitly asked for my age and confirmed I had just turned XXXX. I believe this inexperience was exploited when I was encouraged to sign a financing agreement that was misrepresented to me. My actual loan is a XXXX installment loan at 29.99 % APR with significant finance charges. These terms were not explained to me accurately before I signed, and I relied on the merchants statements when agreeing to the loan.…

Read full complaint at CFPB →

In XX/XX/year>, I visited XXXX XXXX & XXXX XXXX for a teeth cleaning. During the visit, the staff focused on preparing a tooth for a crown instead of performing the cleaning I requested. I completed a form to see if I qualified for a payment plan for the crown, which was approved, but I did not authorize treatment and the crown was never placed. I canceled care with the dental office on XX/XX/year>, and informed them I would not accept any services. Despite this, XXXX XXXX XXXX has sent multiple notices demanding payment for a {$2000.00} crown financing plan, including past due notices, while refusing to acknowledge my cancellation. My insurance provider ( XXXX XXXX ) is also reviewing a grievance regarding services billed but not rendered. I am requesting that my account be marked as disputed, that no collection or negative credit reporting occur, and that charges for services not performed be canceled.

I am writing to formally file a complaint against Healthcare Finance Direct regarding their refusal to cancel a financing contract tied to services that are no longer being provided by the original business with which I contracted, as well as their refusal to provide me with a copy of the alleged contract. I entered into a contract with XXXX XXXX, located in XXXX, XXXX, for laser hair removal treatments. The services were financed through Healthcare Finance Direct as part of my agreement with XXXX XXXX. My contract and financing agreement were explicitly based on services to be rendered by XXXX XXXX. Subsequently, XXXX XXXX closed the XXXX location where I was receiving treatment and sold the location to a different company, XXXX XXXX. I did not sign any contract with XXXX XXXX, nor did I agree to transfer my services or financing agreement to this new company.…

Read full complaint at CFPB →

In XXXX of XXXX, I signed up for a membership with XXXX XXXX for teeth aligners. I was told my crooked teeth could be fixed with their aligners within 24 months. I paid for the first few months, and I got aligners in the mail that did not fit. I reached out to the company, and stated that the aligners did not fit my teeth, they caused me pain. Two months later, in XXXX, they went bankrupt. I agreed to the subscription under the terms that I would have aligners to align my teeth, I would have access to a licensed orthodontist, and could contact a health professional for assistance. I did not receive aligners that fit my teeth, I could not access communications with any health professional for help or assistance, and within months my account no longer existed.…

Read full complaint at CFPB →

Medical financing / Deferred interest credit By XXXX ( financing for XXXX XXXX ) I am submitting this complaint regarding deferred interest that was added to my XXXX account used for my sons XXXX XXXX XXXX treatment. This account had a XXXX promotional financing offer with no interest if paid in full that expired on XX/XX/XXXX. I monitored the auto draft each month to be sure it processed but after the last payment processed on XX/XX/XXXX, I logged in to confirm the balance was {$0.00}. However, it still had a partial payment balance left plus all the deferred interest added in. I looked back at my first payment and saw that first payment on XX/XX/XXXX never went through from my XXXX account. I paid the remaining balance in full immediately but it did not post to XXXX until XX/XX/XXXX, approximately 12 days after the promotional expiration date. The account is now paid in full.…

Read full complaint at CFPB →

I entered into a retail installment contract for cosmetic services through XXXX XXXX, serviced by Healthcare Finance Direct ( XXXX ). After signing the agreement, XXXX XXXX sold or transferred operations to another entity without notice or consent. The successor provider failed to honor scheduled appointments, did not reschedule services, and became unreachable. As a result, services paid for under the contract were not rendered. Despite this, XXXX continues billing under the contract. I have formally disputed the charges and invoked my rights under the FTC XXXX XXXX, which is incorporated into my contract. I am requesting suspension of billing, prevention of negative credit reporting, and cancellation or adjustment of the balance for services not provided.

I called hfd XX/XX/25 they took money out my account without my permission. XX/XX/25 they took {$92.00}. I called and asked for a refund since I did not consent to it and I no longer want to pay it and dont go to anything they offer. I talked to them again and let them know I will be disputing it the lady called me back and said she wasnt approving it. I called my bank and disputed it. They call me almost every day and keep emailing threatening to give my debt to a third party company. They are harassing me daily after I communicated with them.

XXXX XXXX XXXX filed for bankruptcy shortly after I began my treatment. My treatment was never completed and they failed to provide the necessary adjustments to fulfill their XXXX XXXX Furthermore the bankruptcy of their company left me with out proper fitting aligners and caused all of the treatment to reverse. They then sold the debt to XXXX and have left me unable to refinance similar treatment options to fix the problem the created.

On XX/XX/year>, I went to a dental office for a routine cleaning. Instead of addressing my concern, I was pressured to apply for financing for dental services that were never explained or agreed to. The loan documents were presented on an XXXX, and I was instructed where to sign without adequate time to review the terms. The same day, {$6000.00} was withdrawn from the loan and paid directly to the dental office, even though no treatment had been provided. On XX/XX/year>, the dentist adjusted my existing denture, resolving the issue, and I cancelled the new denture in person. No new dental services or appliances were ever provided. Despite this, I remain obligated on a high-interest installment loan ( 28.95 % APR ) with required monthly payments of approximately {$320.00}. The lender later contacted me stating I was behind on payments. I informed them that no services were rendered and that the dental office has the loan funds.…

Read full complaint at CFPB →

I paid {$2400.00} in full for XXXX treatment through XXXX, financed as an installment medical procedure loan through Healthcare Finance Direct. XXXX c eased operations before my treatment was completed, and the contracted services were cut off. I did not receive the full treatment I paid for. I am requesting reimbursement of the {$2400.00} paid for services that were never completed due to failure of consideration and unfair consumer practices. XX/XX/year> XXXX

Their response isn't good enough ( because they still owe me the rest of the money! Complaint Against : Healthcare Finance Direct Company Address : Healthcare Finance Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Your Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX Phone : XXXX XXXX Account Number : XXXX Complaint Details : Product Type : Medical Financing Issue Type : Problem with a refund Summary of the Problem : " This complaint is regarding an installment loan ( Application ID XXXX ) with Healthcare Finance Direct for a XXXX treatment that began on XX/XX/XXXX. The treatment was ineffective. XXXX has since gone bankrupt, and we are seeking a full refund from the financing company, XXXX. We have paid a total of {$1500.00} towards a total sale price of {$2100.00}. XXXX has confirmed the account is closed with a {$0.00} balance and issued a partial refund of only {$570.00} in XX/XX/XXXX.…

Read full complaint at CFPB →

In XX/XX/year>, I financed XXXX treatment through HealthCare Finance Direct ( HFD ). My dental provider told me the total cost would be {$6400.00} for approximately 6 months of treatment. At no time did the office verbally disclose an APR anywhere close to 28.9 %. HFD later applied an APR of 28.95 %, which increased my total balance to nearly {$9000.00}. This rate was never discussed or explained before I signed. I believe the APR was not clearly or properly disclosed at the time of the transaction, and the terms were not accurately represented. Additionally, the XXXX treatment did not work as promised. After 6 months, my teeth had not improved, and I am now almost 1 year into treatment with no resolution. My provider told me I must work it out with the lender, even though the service I financed was not successfully delivered. HFD is now threatening collections despite the treatment failure and the undisclosed high APR.…

Read full complaint at CFPB →

In XX/XX/year>, I contacted the company to cancel my service due to moving out of state. I was told the account would be canceled. Despite this, the company continued to charge my card every month still to date, even though I have not used or received any services during that time. I attempted to resolve this multiple times. I spoke with staff and was told the manager who was originally responsible for canceling my account no longer works there, and they have no record of the cancellation request. They still have not canceled my account and have continued billing me without authorization. I am requesting a full refund for the months billed after my cancellation request and for the company to close the account immediately, as I have not received services since relocating.

I filed for a loan with XXXX XXXX when I got my teeth done back in 2024 because my insurance was not able to be ran by XXXX once they were able to get my insurance to my first procedure was done in XXXX. they were able to run my insurance in in XXXX. They found out that my insurance covered almost all of my teeth. I had already paid XXXX financial. {$1000.00} XXXX on a return for {$3.00} {$430.00} of money. It took almost a year for me to get {$430.00} back. They kept telling me they didnt have a supervisor to speak to me. They couldnt access my record. I even had my financial institution, which is XXXX financial open up a case against them for fraudulent activity because they were refusing to return my money. This went on for over a year.

I recently signed up for a personal trainer at XXXX XXXX XXXX. Throughout the entire process is explained to me how it would work, but did not informed me that it would be a virtual process and then led me through a loan contract through healthcare financial direct that ended up costing me {$5000.00}. He was very blunt and not helpful. also, I found something on the website that says I get a refund if its within 10 business days and it was well within 10 business days.

I was an XXXX client and paid on time, but XXXX filed for bankruptcy, leaving me halfway through treatment without my next batch of aligners. I had to continue my treatment elsewhere, or I would lose all the progress I had made from the beginning. It's frustrating to have to pay for something that wasnt my fault, and it has negatively impacted my credit score. I was negotiating with XXXX before they sent it to XXXX. They told me I still have to pay, even if I didnt finish my treatment. That felt completely unfair to me. I was a student when I started, but now Im currently unemployed and left with this debt, which I dont think I should be responsible for paying and now it has negatively affected my credit score which I just started building. They filed for bankruptcy and released all liabilities, but former clients still have to bear this burden. They have not fulfilled their contractual obligations, yet their financing partners are still demanding payment.…

Read full complaint at CFPB →

In XX/XX/year>, I applied for funding through a platform that led me to a company called XXXX XXXX. During the process, I was pitched on a program called " XXXX XXXX XXXX XXXX which was positioned as an income-generating opportunity that included mentorship, XXXX access, and the chance to begin building my business. I originally expressed that I was looking for funds to purchase a XXXX system to support my retreat program, but I was persuaded to proceed with this offer after being told the {$5000.00} loan would include mentorship and career opportunity access. I was not given a full breakdown of what that {$5000.00} would cover. The loan itself was processed through a third-party company called Health Finance Direct XXXX XXXX ). At the time of enrollment, I was not informed that this was a healthcare-related financing product. The setter and closer assigned to my inquiry never disclosed that this loan type was intended for medical or wellness services.…

Read full complaint at CFPB →

I agreed to the terms of the debt to be paid and requested that they don't contact other parties about my debt. They refused to remove the other parties contact information. I remitted a payment last week and had a payment due today. I missed their call and they continued to call the third parties even after requesting that they don't do that and to only discuss my debt with me.