Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
Dear CFPB, I am writing to report a breach of resolution by Healthcare Finance Direct ( HFD ) and to provide new information about the ongoing harm caused by their actionsor inactionin relation to XXXX bankruptcy. 

Background In XX/XX/XXXX, I filed a complaint with the CFPB regarding XXXX failure to provide the contracted services after its bankruptcy. ( Complaint ID XXXX ) My treatment included a XXXX XXXX XXXX and required follow-up care that I never received. This has caused my XXXX XXXX XXXX, resulting in persistent discomfort and negative health impacts. 

My initial request to HFD was a full refund of payments already made, given XXXX complete inability to fulfill the treatment as agreed. Instead of issuing a refund, HFD claimed they could not process one at the time and stated that my account was placed on hold, assuring both me and the CFPB that : The form of payment associated with the account will not be charged, and the account will not be sent to collections.

Despite that, I received a past due notice on XX/XX/XXXX, stating that I now owe {$440.00}, with an implication of resumed collection activity. This directly contradicts the resolution HFD submitted in writing to the CFPB, where they committed to suspending billing and collections until further direction from the new creditor. 

HFDs Role and Responsibility According to XXXX customer FAQ ( https : //gohfd.com/XXXX  ), HFD is not only the payment servicer, but is also responsible for implementing the refund and resolution process on behalf of XXXX. That includes : * Issuing refunds ( automatic and step-up, per the compensation plan ) * Reducing or canceling balances on eligible accounts * Honoring contract defenses that consumers could raise against XXXX Despite this , HFD has failed to provide any meaningful resolution or refund in my case and is now attempting to collect a balance that is both disputed and unjustified. 

Health and Financial Harm XXXX collapse has directly impacted my health and well-being. I have been left with XXXX XXXX, and due to the company 's closure, I am unable to obtain necessary dental correction unless I pay out-of-pocket elsewherewhile still being asked to pay HFD for a service that was never completed.

Request for Enforcement I respectfully request the CFPB to intervene and take further enforcement action. Specifically, I ask that the CFPB : 1. Reopen my case and formally review HFDs contradictory actions.

2. Enforce immediate cessation of all collection activity.

3. Require HFD to issue a full or partial refund, as originally requested, due to the failure to deliver contracted services.

4. Demand written assurance that my credit will not be impacted for nonpayment on a disputed balance related to a defunct provider.

5. Hold HFD accountable for misrepresenting their resolution to the CFPB and for failing to honor their obligations as the active servicer and point of contact for XXXX accounts. 
I have attached the original past-due email ( dated XX/XX/XXXX ) and the original CFPB complaint and resolution. Thank you for your attention to this matter and for protecting consumer rights in complex bankruptcy-related cases like this. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation