Consumer complaint received 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Healthcare Finance Direct LLC.
State: NY

Complaint narrative:
Greetings, I am stating for you to stop all requests for payment by terminating my account, I also am stating for you to refund my money from the timeline from XX/XX/XXXX - XX/XX/XXXX. As per my previous complaint from XX/XX/XXXXXXXX XXXX XXXXt went into XXXX  XXXX Bankruptcy on XX/XX/XXXX and their services were NOT FULFILLED which required me to have not only a huge insecurity about my XXXX  but it affected my mental health with all the harassment HFD has provided in addition to my insecurity with my XXXX. I paid for the XXXX XXXX XXXX which in summation is to have assistance with my teeth long after my treatment, which was why I chose Smile Direct and XXXX ( your company ). My XXXX  has been affected and has shifted drastically in a negative way. Since youve stolen money from me by never providing the tooth brush, retainers, lifetime XXXX XXXX XXXX XXXX check ins, my XXXX  was ruined and I never finished the treatment. Why would I go about the treatment when my smile is under no supervision or guidance, and XXXX ceased all assistance for customers such as myself. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) are constantly harassing people to pay back not only you but Smile Direct for a service in which you did NOT COMPLETE. XXXX violated by not fulfilling your terms and conditions of the contract that all parties agreed on. When the company closed I asked several times for documentation of my account and it was never fulfilled. Due to the unprofessionalism of the customer service or you XXXX, XXXX left customers like myself in the dark due to you and XXXX  XXXX 's mistakes. I was never able to talk to a dentist about my progress and my questions were never answered. Also, how suspicious of you all to delete the application of how my smile was supposed to end. 
Next, the contract breach youre pushing onto me. Since the business went bankrupt Smile XXXX and XXXX have contract breached customers such as myself and disclosed unclear information. Ive received an email from you XXXX on XX/XX/XXXX and how you expect me to pay you on XX/XX/XXXX. Your company notifies us now and expects us to pay an amount for your negligence and irresponsibility. As per the email that was sent on XX/XX/XXXX A refund in the amount of {$89.00} will be issued to you automatically. In addition, subject to the compensation cap described further below, HFDs records indicate that you are eligible to receive an additional maximum step-up refund of {$350.00}. To receive an additional step-up refund, you must complete and return by no later than XX/XX/XXXX the Refund Request Form that you can access by this link : [ LINK ]. XXXX maintains that you are responsible for continuing to make monthly installment payments on any outstanding balance that remains under your XXXX after the automatic and step-up refunds have been XXXX more information on the XXXX XXXX, please review the below summary or visit XXXX XXXX XXXX XXXX  This is very condescending because a person signing off on this is stating that they were apart of the reason for why your bankrupt company is the way it is right now ; when it is not. You Smile XXXX and XXXX have failed to do your part of providing your service and fixing my teeth. Also, a person signing off on this is confirming that theyre going to receive a refund. A refund is different from a credit balance. Your business is very sneaky, conniving, and so money hungry that you will persuade anyone into thinking youre trying to help when in all actuality youre paying the same price as before if not more. This is also a scam because you want all customers to put in their credit card or debit card information so then when the person receives a refund it will then provide you access and take money out of their credit card without the persons consent. Last year and early this year the company stole money out of my account. Customers like myself did not place XXXX XXXX XXXX in bankruptcy instead why am I liable to correct the mistakes of a company that destroyed themselves? How would this refund affect my account when you dont have any money because you went bankrupt and are classified as Chapter XXXX. THE BUSINESS WENT BANKRUPT you have no clear evidence of having a creditor which XXXX stated prior that youre getting in contact with the new creditor. I'm not paying for something when I didn't receive all my services. I will not be liable for paying someone else 's debt such as this horrible company. I have asked and stated numerous times to give me all requested documentation throughout this stressful experience. I discussed with XXXX about mailing the contract agreement. He is a representative of your HFD company, and also having him email me the full copy, I only received XXXX page as the end result and it was mailed not emailed. I spoke with XXXX another representative apart of your company, and was useless as well. Referring back to my previous complaint on XX/XX/XXXX, and when you XXXX answered on XX/XX/XXXX, XXXX stated... They will not receive any communications or notices for payments or past due payments from XXXX, the form of payment associated with the account will not be charged, and the account will not be sent to collections. XXXX is urging the new creditor to quickly establish a decision so these concerns XXXX be resolved. XXXX never stated who the new creditor is, youve never stated any clear direction and how XXXX discovered how a person can be eligible for the refund. XXXX never made it clear on why I am eligible for the step up refund. This was unclear as per the rest of this whole experience. In your statement you stated I will not receive any communications. XXXX Retainers and Smile Direct have teamed up which includes you XXXX since youre the servicer. That was a lie because XXXX contacted me non-stop from your new company XXXX XXXX XX/XX/XXXX through text messages and emails and still currently. Youre stating in your XXXX Retainers program that you dont need any additional XXXX scans or putty impressions. How can you have that information if the application, dentists, and prior doctors have ceased treatment.That is a violation of XXXX because why would this company have my records without my consent. Youre purloining customers such as myself and that will not happen any longer. Ive asked several times for you to stop harassing me with voicemails, emails, and any form of contact. You didnt abide by that, you instead sent me text messages on Direct Retainers which is in association with HFD and Smile Direct, when Ive XXXX DO NOT CONTACT. XXXX texted me for months and I stated in my complaint NO CONTACT. When I submitted my original complaint they stated they will not follow up with any communications with me unless there was an update with their policy. XXXX is the servicer and Smile XXXX was the provider not XXXX Retainers. I am demanding you to stop my account when it shouldnt be active because you didnt help my teeth but only made them worse, I want a refund on my money that was geared towards this horrible company because you ruined my teeth. I demand once this has been completed to stop all forms of contact by canceling my account, refunding my money in the form of a check, and leaving me alone.

Company response to consumer: Closed with explanation