Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
I went to XXXX XXXX for a free consultation and was given a quote to have a number of teeth extracted and dentures made. I was not going to be able to pay the total amount in full at that time, so I was referred to Healthcare Finance Direct for a loan to cover the entire cost of the procedure that I would be able to repay over time. On XX/XX/XXXX, I was approved for that loan and made a down payment to HFD in the amount of {$650.00}. I agreed to make monthly payments to HFD on the XXXX of each month in the amount of {$210.00} until the debt was repaid. On XX/XX/XXXX, I made my first payment to HFD in the amount of {$250.00} using my debit card. That same day, HFD withdrew {$210.00} from my account without my knowledge or permission. On XX/XX/XXXX, I made a payment to HFD for {$220.00} using the same debit card. HFD made another unauthorized withdrawal from my account using my debit card information for {$210.00} without my permission or knowledge. I made a payment to HFD on XX/XX/XXXX, for {$210.00}. I made a payment to HFD on XX/XX/XXXX, for {$210.00} and then on XX/XX/XXXX, XXXX made an unauthorized withdrawal from my account using my debit card information for {$210.00} without my permission. In the months of XXXX and XX/XX/XXXX, HFD made authorized withdrawals from my account for {$210.00} XXXX time per month. In XX/XX/XXXX, I was going through a financial hardship and called HFD to request skipping my monthly payment in XXXX. I was told that skipping XXXX payment was not allowed, but moving the next XXXX payments to the end of the loan was. I agreed to skip the payments due in XXXX, XXXX, and XX/XX/XXXX, and beginning to make payments regularly again starting XX/XX/XXXX. As we all know, the XXXX XXXX government was shut down on XX/XX/XXXX which affected my bank deposit into XXXX XXXX XXXX XXXX. I made the deposit but had no access to any funds until XX/XX/XXXX. I called HFD and advised them that I was unable to access the funds in my account on XX/XX/XXXX. I told them that I would make my payment as soon as I accessed the funds. The payment of {$210.00} was made to HFD using my debit card on XX/XX/XXXX. I made HFD aware at that time that NO more automatic withdrawals from my account were authorized and that they needed to stop accessing and trying to access my accounts without my permission immediately. On XX/XX/XXXX, HFD made an unauthorized withdrawal of {$210.00} from my account without my knowledge or permission. I was alerted to this by my bank and immediately phoned HFD. I instructed them to put the funds back into my account immediately. I asked for a supervisor and that request was denied XXXX times followed by the call being immediately disconnected. I gave up on speaking to a supervisor and the representative stated that IF I renegotiated my contract to pay {$260.00} per month until the loan was repaid in full, they would return the funds to my account. Initially I refused, but I was told that was the only way that they would return my money to my account. I agreed to the increased payment amount but still did not authorize HFD to make the withdrawals automatically. I was very clear that I would be making the payments personally. On XX/XX/XXXX, HFD made an unauthorized attempt to take {$210.00} from my checking account using my debit card information without my knowledge or consent. I called HFD and the representative started saying that I owed them so much money that they were going to continue to take money out of my account until I was current on my payments. That was when I went to my bank and made a request for my bank statements dating back to XX/XX/XXXX and cancelled my debit card. Upon review of those statements, I saw all of the unauthorized charges and contacted Affordable Dentures regarding all of these issues. The office XXXX at XXXX XXXX offered to reach out to her contact at HFD and I filed a police report. Between XX/XX/XXXX and XX/XX/XXXX, HFD has made approximately XXXX unauthorized withdrawals from my checking account. Some have been unsuccessful, but others have been processed through my account. I have contacted HFD dozens of times. I have contacted XXXX XXXX to no avail. There is no accountability and this has to stop. I signed a contract stating I would pay the loan in full and have every intention to do so, but not with this company stealing money from me. I would like to point out that also in the original contract with XXXX XXXX, I was promised to receive my permanent dentures within XXXX months of having my XXXX XXXX. My XXXX XXXX XXXX in XX/XX/XXXX, it is now the middle of XX/XX/XXXX, and I STILL do not have my XXXX XXXX. Nobody at either company is ever held accountable for their actions, or LACK of actions.

Company response to consumer: Closed with explanation