Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Finance Direct LLC.
State: NV

Complaint narrative:
I am disputing a debt that was placed into collections by or on behalf of XXXX. I entered a financing agreement with XXXX in XX/XX/XXXX through their XXXX program, with XXXX XXXX XXXX ( XXXX ) as the payment processor. The total was {$2300.00}, with monthly payments scheduled over XXXX months. 

XXXX filed for Chapter XXXX bankruptcy in XX/XX/XXXX. Despite this, they emailed me on XX/XX/XXXX, assuring that their XXXX XXXX XXXX XXXX remains in place. Their marketing at the time also promised : Our XXXX XXXX XXXX XXXX, complete with a XXXX Money-Back Promise, protects your smile for life with free aligner touch-ups during your treatmentor even long after it ends. 

I relied on these promises in good faith, expecting continued access to service, refinements, and support -- especially since my teeth started shifting towards the end of XXXX. Without the guarantee, I am being billed {$1300.00} for half-way treatment. XXXX only ceased operations and failed to provide any post-treatment care. I was even forced to pay out-of-pocket for retainers through a XXXX XXXX in XXXX support that should have been covered by their advertised guarantee. 

On XX/XX/XXXX, I noticed a sudden and dramatic drop in my XXXX XXXX. Upon investigation, I learned that my XXXX account was sent to collections on XX/XX/XXXX. I was never notified of this debt placement I received no letter, email, or phone call, and had I not checked my XXXX XXXX independently, I would have remained unaware. 

This directly violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), which guarantees consumers the right to receive written notice of a debt and to dispute it within XXXX days. Because I was never informed, I was denied my legal right to dispute the debt within that window. 

Id been further misled as I was never informed about my eligibility for a refund or the XX/XX/XXXX refund deadline. No communicationvia letter, email, or phonewas ever sent to notify me of this or that my account would be sent to collections. These charges appeared without warning, and the last charge I received from XXXX was on XX/XX/XXXX, for {$970.00}. The collections balance is now listed as {$1300.00}, which is a significant and unexplained increase. 

Even if the contracts {$25.00} late fee were applied twice ( once per missed month ), the total should only be around {$1000.00}. The contract itself warns that any increases to the amount owed require written consent from both parties. I have seen others report that XXXX and its processors have a history of inflating balances without proper notice or consentfurther supporting my belief that this amount is incorrect and unfair. 

Additionally, my financing contract includes a Notice to XXXX clause, which 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 pursuant hereto. 

That means the collection agency must assume liability for XXXX failure to fulfill the contract and breach of its XXXX XXXX XXXX. I also received no communication about a refund deadline ( XX/XX/XXXX ), which further deprived me of a chance to resolve this before collections.

Company response to consumer: Closed with explanation