Consumer complaint received 2025-05-13 00:00:00
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.
State: FL

Complaint narrative:
FORMAL COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) FROM : XXXX XXXX DATE : XXXX RE : Dispute of Credit Charges and Request for Cancellation of Financing 1. Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Email : XXXX Phone : ( XXXX ) XXXX Loan Account Number with HFD XXXX XXXXXXXX XXXX. Provider and Creditor Information : Clinic : My XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Financing Institution : Healthcare Finance Direct ( HFD )/ XXXX XXXX Disputed Amount : {$3700.00} Service Code : XXXX XXXX XXXX Collection Date of Agreement : XX/XX/year> XXXX. Summary of Complaint : I am formally disputing a {$3700.00} charge for XXXX XXXX that was never provided. I respectfully request cancellation of the related financing, refund of any overpaid amounts, and removal of the loan from my credit report. This complaint is based on multiple violations by both the provider and the financing institution, including non-performance, invalid documentation, denial of access to medical records, and breach of both state and federal consumer protections. 

4. Factual Background : On XX/XX/year>, I signed documentation for proposed XXXX XXXX and authorized a {$3800.00} financing agreement with HFD. 

The only service I actually received was a routine adult dental cleaning ( XXXX ) valued at {$120.00}. 

On XX/XX/year>, I received that cleaning and was briefly shown a XXXX XXXX XXXX XXXX XXXXXXXX ) on a screen. Based on the providers verbal assurance that the XXXX would arrive within one week, I gave verbal consent to proceed with their production. However, I was not given a copy of the plan, and I did not sign any written consent for manufacturing. 

After that visit, the clinic never contacted me. On XX/XX/year>, I reached out to the clinic myself to ask about the aligners, and I was informed that they had just arrived. I immediately canceled the treatment that same day due to multiple violations by the provider including failure to meet promised delivery timelines and the absence of a clinic representatives signature on the treatment contract. 

I did not receive a copy of the signed treatment agreement until XX/XX/year> more than a month after I signed it. The contract was legally invalid, as it lacked the required signature from the clinic. 

5. Violations by the Provider : Invalid Treatment Contract : The agreement lacks the signature of the doctor or clinic representative. 

No Written Consent for Aligner Production : Only verbal consent was given ; no written approval was signed. 

HIPAA and Florida Statute 456.057 Violations : I was denied a copy of my XXXX XXXX plan despite requests. 

Failure to Provide Timely Documentation : The contract was not provided until XX/XX/XXXX, after treatment cancellation. 

Breach of Verbal Commitments : The provider failed to deliver aligners within the promised timeframe and failed to communicate. 

Refusal to Provide the Paid Treatment Plan : Although I had already made a payment toward treatment, I was denied access to the XXXX treatment plan. It was only shown briefly without explanation and not provided to me in any form. 

6. Violations by the Financing Institution : Despite the fact that I never received the XXXX XXXX  or any follow-up treatment, Healthcare Finance Direct ( HFD ) reinstated the loan on XX/XX/year>, and denied my request to cancel the financing on two separate occasions, including a final written refusal on XX/XX/year>. These decisions were based solely on the providers refusal, with no investigation into the facts or review of the submitted documentation. 

This contradicts the terms of the agreement, which clearly state that financing is conditional upon the actual delivery of goods or services. 

Page 3 ( " Use of Proceeds / Provider '' ) specifies that the loan must be used solely to pay for services actually received. 

Page 8 ( " Notice to Consumer '' ) states : Any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained with the proceeds hereof. 

This clause means HFD shares responsibility with the provider and can not enforce payment for undelivered services. 

Failure to Provide Reason for Denial : HFD denied my cancellation request without any proper explanation, merely stating that the provider objected even though my agreement is with the lender and not solely subject to the providers discretion. 

7. Relief Requested : Immediate cancellation of the {$3700.00} loan balance ; Written confirmation that I am only responsible for the {$120.00} dental cleaning ; Refund of any payments I have made beyond that amount ; Removal of the loan and any associated negative credit reporting ; Regulatory review of HFDs policy of enforcing loans based solely on the providers refusal, even in cases of clear breach of service. 

8. Supporting Documentation Provided : Copy of the unsigned treatment agreement ( received XX/XX/XXXX ) ; Screenshots of correspondence with the clinic confirming my cancellation before receiving treatment ; Copy of the HFDXXXXXXXX XXXX XXXX XXXX; Denial letter from HFD dated XX/XX/year>. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation