Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: MN

Complaint narrative:
During last summer, I went into an agreement with XXXX XXXX XXXX and a financing plan to get a set of straightening aligners for my teeth. 

I had a set up aligners throughout the summer and fall, but the treatment did not work. XXXX XXXX XXXX had an agreement where I would be able to get free retainers afterwards if the initial ones were not successful. 

After ordering these new retainers to complete my treatment during XXXX XXXX XXXXXXXX, I started getting emails that XXXX XXXX XXXX had filed for bankruptcy. They assured me that my treatment would still be continued. They kept this assurance all through XXXX of XXXX. This is when they finally finished their legal attempt to file as bankrupt. Once this happened, all communication from XXXX XXXX XXXX ended. 

During XXXX of XXXX, it was announced that they were closing all services, including sending out new aligners ( which I had not yet received ) and shutting down their customer services. This was the last time I got an email from the company about anything. 

This email included the fact that XXXX XXXX XXXX would be seeking to sell of their debt to creditors, and that they would be selling all of their receivables. In XXXX of XXXX, XXXX XXXX XXXX sold the receivable that I owed them ( for services they HAD NOT FULFILLED ) to someone else. 

Also during XXXX of XXXX, I got into contact with customer support from XXXX XXXX XXXX asking for a full refund and to discontinue my payments, since they had not fulfilled the services that I was paying them for. I was met with a response saying that all of their refund requests were being reviewed and I would be contacted after review. This never happened. 

I thought that all payments would stop, and that I would just need to find a new company to get aligners through. 

Starting in XXXX of XXXX, I have been making monthly payments of {$75.00} to XXXX XXXX XXXX for financing for services. These charges were part of our agreement, so I had no issue paying for them. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I made payments to XXXX XXXX XXXX of {$75.00} to pay for my treatment. ( All dates are during XXXX ). 

Starting on XX/XX/XXXX, these payments switched to XXXX XXXX XXXX for the same amount. They continued on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All for the amount of {$75.00}. ( These dates start in XXXX and go into XXXX ) XXXX  XXXX XXXX was charging me for services, went out of business, and then sold the amount that I owed them to a different company it would appear. I have no way to get into contact with XXXX XXXX XXXX about this issue. They have shut down their phone numbers and no emails to them get a response. 

I am paying for a service every single month that was never given to me, as my teeth have completely reverted back to how they were before I got any XXXX, since I was not able to continue my treatment.

Company response to consumer: Closed with explanation