Consumer complaint received 2023-05-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Healthcare Finance Direct LLC. (MI)

A supervisor at healthcare finance direct continued to get smart with me on the phone. He would say he could go into my bank account whenever he wanted to because of a contract to signed ( even though I asked him to stop ). I also said I was going through hardship and could only afford a certain amount a month because they failed to properly calculate my balance on my account. They told me I missed two payments three months later. When I read reviews for them on other websites ( XXXX, XXXX reviews, and help ) other people said the same thing. I immediately contacted my credit card company and alerted them that healthcare finance direct continued to run my credit card without my permission. They told me I had to dispute the charges on the card even if I didn't want the money bank. I also told healthcare finance direct not to use my credit card anymore and I'd call back to use a prepaid credit card. They said that's fine. 

So, I called back on XX/XX/2023. I had {$86.00} on the prepaid card that cost my {$8.00} to load. The man got upset because he said it was XXXX and I only had {$86.00}. I let him know I wasn't feeling good and that I wanted to get off of the phone. They try to keep me on the phone all day. He started telling me that I needed to give him a credit card and that I couldn't make my payments online ( even though I had been making payments online before they started harassing me with no problem ). 

They continued to try and argue with me on the phone for {$3.00}. I had a XXXX  XXXX  and XXXX XXXX. It was my finals week and I was sick. They were being all dramatic on the phone like, " She's not going to pay us and she isn't following the contract. She removed her credit card so we can't access it ''. Even though I told them countless times I didn't trust them because they kept going into my account and most of their XXXX  complaints say that. They'll take hundreds of dollars out of people 's accounts without their permission. 

I was too sick to argue with them so I decided not to pay them. They were also playing on my phone, pretending to be different people when they were the same person, and lying on me. They told me my card declined when there was definitely money on there. I believe they declined the money on purpose to try and say I wasn't paying and to play the victim. 

The supervisor got hit with a fraudulent complaint and then decided to retaliate against me by threatening to send me to collections for the two months surprise medical bills + {$25.00} late fees for running for the credit card I told them not to. 

They tried to run my credit card up on their before I even had the chance to pay in the day we scheduled a payment. I told them I wasn't paying a late fee because you decided to run a credit card the day I told you I was going to pay you before I even got a chance to pay you. It wasn't even XXXX XXXX  when I called to pay and they ran my card. 

They're disorganized about how much I owe, it's different people telling me different things when I call, and they can't properly calculate my balance. Every week it's a new balance. Then they have the audacity to wave a contract in my face telling me I need to give them access to my bank account information. 

They sound like scammers to be honest. One week I owe them {$1400.00} and the next week it's {$1100.00} + a {$25.00} late fee. Then they say oh I'm sorry, there's no late fees.