Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PatientFi, Inc.
State: MD

Complaint narrative:
I am submitting this formal complaint regarding a fraudulent and unauthorized loan that was opened in my name through XXXX, as a result of deceptive and aggressive sales practices by XXXX XXXX XXXX XXXX, XXXX of XXXX affiliated merchants. 

On XXXX, XX/XX/XXXX, I arrived at XXXX XXXX XXXX XXXX for what was advertised as a promotional treatment. As I walked in before receiving the treatment I was asked to complete what was presented to me as a standard health questionnaire. 
I believed I was simply completing paperwork related to my promotional treatment, not entering into a financial contract or any type of sales contract. At that time I was not even aware that the merchant was selling any type of devices. 
At that time I was never informed that I was signing or authorizing any type of loan application, financing agreement, or purchase contract. 

After my XXXX XXXX/ {$120.00} promotional treatment that I already paid for, I was taken to another room where the owner - XXXX used aggressive sales tactics and misleading statements that led me to purchase what I was told the same device as used on me during the treatment and when I offered to pay for the device I was told that I couldnt and that the only way for me was to finance it through their company. I was also assured by XXXX that I had the time till sometime in XXXX ( I believe XXXX XXXX or XXXX ) to decide. 

Ultimately, I left their office with what I thought was the same device as used on me - a NON-SURGICAL FACE LIFT wand. 
On my way home however I noticed that the film like substance that was applied to my face during the treatment before the sale, was peeling off and that there was no trace of the do called FACE LIFT. 
Ultimately, I devoted not to open the product but to contact the owner- XXXX and return it. 
I started contacting the office by email, phone and it was until next day that I got ahold of XXXX. I explained to XXXX the reason why I wanted to return the device and he agreed for me to bring it back and assured me he will cancel the transaction since it was still within the XXXX and since the item/device has not been opened. 

Per agreement that device was returned and personally accepted by XXXX. 
However this very same day ( the next day after my purchase on Tuesday, XX/XX/XXXX ) I started receiving emails from XXXX billing department indicating otherwise. 
I was finding out that the health form that was given to me prior to my XXXX time treatment was in fact a NON CANCELABLE FINAL SALE CONTRACT instead. I was also finding out that there was a loan account opened with XXXX in the amount of {$5000.00}. 
As soon as I learned this, I immediately contacted XXXX customer service to report this Fraudulent transaction and that the account was being opened without my knowledge or consent ( please note that at that time this transaction was not yet final and that it was still pending ). 
I had filed my complain and over the next days stayed in touch via email with XXXX XXXX XXXX XXXX XXXX. 
In my email exchange with XXXX I had provided evidence that XXXX XXXX XXXX XXXX intentionally tricked me into signing a document by misrepresenting its true nature. I explained that at no point was I informed that I was signing or authorizing any type of loan application, financing agreement, or purchase contract through that company. 

Despite my timely efforts, yesterday I was informed that my complaint has been denied, with the reason given that the contract is non-cancelable. - PLEASE NOTE THAT this was a BASE FOR MY COMPLAIN - the fact that I was tricked to sign that document being told it was a heath form. 
This denial fails to address the fraudulent and misleading conduct by XXXX XXXX XXXX XXXX, which directly led to the loan being opened in my name. The fact that PatientFi is denying my complaint solely on the basis that the contract is non-cancelable ignores the core issue : I was deceived into signing a contract I did not knowingly authorize and I was not aware such existed. These actions appear to violate federal consumer protection laws concerning misrepresentation, unfair lending, and failure to obtain informed consent. 

Yesterday, I also learned that there is additional account opened in my name through another unknown to me financial institution called- XXXX XXXX XXXX. 
I contacted that company also to request cancellation of that saving account that was apparently established in my name by XXXX but was told that I couldnt. 
I was told that I COULD NOT CLOSE OR CANCEL THAT ACCOUNT. 

I am very scared whats going to happen nextPlease help me. This is a very organized crime with other participants with the mission to defraud and extort the money and ruin me financially while using a NON CANCELABLE CONTRACT which I was not aware of AND DID NOT HAVE THE KNOWLEDGE OF KNOWINGLY ACCEPTING I respectfully request that the CFPB : XXXX. Investigate PatientFi for deceptive and unfair consumer practices. 
XXXX. Require the cancellation of the fraudulent loan, including removal of any associated balance, fees, or negative credit reporting. 
XXXX. Ensure that PatientFi together with their merchand and while doing business together, implement strict disclosure and consent procedures to prevent similar incidents for other consumers. 

Attached are copies of my correspondence with PatientFi, including the denial notice and the XX/XX/XXXX email from their XXXX Department. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and advise if additional documentation is needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation