Consumer complaint received 2025-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Healthcare Finance Direct LLC.
State: IA

Complaint narrative:
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. I was led to believe that the financing was connected to a legitimate business development or training program, not a healthcare loan. It was only later that I realized the funding structure and product type did not match the service I was actually purchasing. It has been shown to be a loosely defined mentorship and community program that lacks transparency, structure, and a clear educational framework. 

About five days after my loan was approved and funded, I then received a XXXX agreement that included a {$25000.00} " cash collected '' revenue minimum for XXXX XXXX obligation clause. This clause was not disclosed prior to funding or during the sales call. It was not mentioned during onboarding or in any clear, official documentation beforehand. I signed the form because I had already been approved for the XXXX loan and had paid the deposit, which led me to believe I was required to sign as part of the formal onboarding process. At the time, I was still under the impression that this was a legitimate business training and XXXX program. 

It wasnt until after I asked questions about how to succeed in the program and voiced concerns about their policies that the {$25000.00} clause was reiterated and enforcement policies were revealed. I was told that if I left the XXXX chat unattended, even briefly, my commission could be stripped and taken by someone else, even if I had done all the work to nurture and book that client. For someone like me ; a parent with two daughters and long term existing health concerns ; this meant that at any moment, I could lose income simply for stepping away from my screen or phone for just 10 minutes. None of this was disclosed to me during my initial sales process or prior to accepting the loan. These hidden policies, which were only disclosed to me after the deposit and acceptance of the loan on my part, fundamentally affect my ability to earn and meet this quota. If these policies were stated during my initial sales process, I would have never agreed to participate. 

I repeatedly asked for clarity through text and chat messages with multiple individuals, including XXXX, XXXX, XXXX, XXXX, and lastly XXXX ; the Owner of XXXX XXXX  ; receiving either no reply, coercive messaging, or dismissive responses that simply redirected me to keep " working harder ''. Not once did anyone acknowledge my legitimate concerns about my health restrictions, limited accessibility, or the contradiction between what was sold and what was delivered. 

Eventually, I chose to remain inactive in the program. Despite having voiced concerns and encountered clear difficulties with the product, no one from the company followed up to check in, offer guidance, or provide support. What was initially presented as mentorship turned out to be largely inaccessible and any attempt to ask questions was met with vague encouragements to simply work harder. This lack of genuine support made it impossible to succeed, and it was evident that the company was aware I had paid for something I could not fully utilize. 

Following this, my access to the full community was restricted without explanation. I was given no clear reason or administrative justification for the restriction, and I was suddenly unable to access both educational materials and broader community interactions. This came after content was moved from the original XXXX XXXX  to the XXXX XXXX. As a result, I was left with no contact outside of the original five admin members, who had already stopped responding. This confirmed for me that the structure and support I was promised did not exist in practice. 

To date, I still have not been provided : - A full breakdown of what the {$5000.00} was applied to. I found an invoice from XXXX XXXX stating I paid for a {$1500.00} mentorship and 1:1 access, but I have not received a single direct mentorship session or any responsive communication from leadership. 
- Access to the program or course XXXX XXXX XXXX XXXX XXXX' pitched to me and the overall reason I agreed to join the community and their business. I understood that the {$5000.00} investment would include mentorship, XXXX access, structured training, and ongoing community support. However, after the loan was finalized, I was sent a XXXX that included clauses and obligations that had never been previously discussed. This was the first time I saw a written breakdown of what I had actually paid for, and it did not align with what had been verbally promised during the sales process. 
- Any documentation proving this was a healthcare-related financing product. There is no alignment between the loan type ( XXXX XXXX ) and the product/service delivered. Even the invoices do not clearly identify what was purchased.

Company response to consumer: Closed with explanation