Consumer complaint received 2024-03-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC. (TX)

I purchased aligners from XXXX XXXX XXXX and they use Healthcare Finance Direct LLC as their payment processor if you choose to make monthly payments instead of paying the full amount upfront. I agreed to pay {$250.00} down which would get my aligners sent to me and then I would pay {$88.00} a month for the remaining balance which was for my treatment, a licensed dentist, and a lifetime guarantee for any additional adjustments. In total it was going to be {$2700.00}. I received my aligners at the end of XX/XX/2023. From the beginning I had issues with them fitting and the quality. A month into my treatment, I received a company " restructuring '' email from XXXX. They claimed it would not affect anything with my treatment or my XXXX XXXX XXXX guarantee. By the end of XXXX, you could no longer reach the company for any issues, cancelations, refunds anything. Another email was sent out that they were declaring bankruptcy! By XXXX they announced all XXXX XXXX XXXX  guarantees wouldn't be honored and those in the process of receiving aligners or in the middle of treatment would not be receiving any other services, but to reach out to the assigned dentist. I did so and he sent me a discontinuation of treatment notice. While all of this is going on, I am continuing to reach out to Healthcare Finance Direct. They said they were trying to come up with a resolution for those who were in the beginning stages of treatment like I was and would hopefully be able to issue some sort of refund. I was directed to monitor their website or call in periodically for an update. I called for XXXX months with no luck. They continued to draft payments and said I was still liable and have to make payments even though I did not get the services I was paying for. I explained I could not reach XXXX XXXX and I couldn't even wear my so called aligners. I went to my credit card company and filed a dispute since I did not receive the services and products I agreed to. I filed not XXXX but XXXX disputes because they continued to draft even after revoking their authorization and placing stop payments. The credit card dispute was finalized and I received my money back. XXXX XXXX XXXX XXXX XXXX website said I can request my account to be on hold until they work out a resolution with the attorney general for people like myself who were in the middle of treatment. I called Healthcare Finance Direct requesting them to place my account on hold until then and the guy said they don't do that. I asked why the XXXX  said they do and he said he doesn't know. I've also talked to another person going through the same thing and they placed her account on hold but won't for me! They say my account is now pending collections and will be sent to a collection agency! Now my credit willl take a hit! 

According to Healthcare finance direct 's own website it says they are not a lender or a bank and are simply a payment remittance company who process payments on behalf of providers. The provider is no longer in business!!! It says all refunds and cancellations must be taken up with the provider, but I can't reach out to anyone because the company does not exist! This is unacceptable. I filed a complaint with the XXXX XXXX XXXX as well. They also say I have to reach out to the provider for a refund or cancellation and those changes have to be given to them directly from the provider, but I cant due to the bankruptcy.