This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 239 complaints

Healthcare Finance Direct LLC. - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade F.

Complaints by issue type

What consumers report about Healthcare Finance Direct LLC.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 48.0/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Healthcare Finance Direct LLC. ranks ahead of 11% of the 5,283 collectors PlainCollector grades - 89% keep a cleaner CFPB record, on 239 all-time complaints and a 91% timely-response rate.

11th pct
reputation rank of 5,283 graded collectors
239
CFPB complaints, all-time
91%
answered inside the CFPB window
86
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Healthcare Finance Direct LLC.?

Healthcare Finance Direct LLC. has accumulated 239 total CFPB complaints across 39 states, with 86 filed in the most recent 12 months against 153 historical complaints before that window. The trailing-12-month volume represents 36.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was already discharged in bankruptcy and is no longer owed". The company posts a 91% timely-response rate.

Complaints have been recorded across 39 states, led by Florida with 30 and Texas with 27. Normalized against the full CFPB collector database, the reputation score of 48.0/100 places Healthcare Finance Direct LLC. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

239

mid-volume (CCDB)

Last 12 months

86

36.0% of all-time complaints

Rising ↑

States active

39

multi-region footprint

Timely response rate

91%

good band

Reputation grade

F

48.0/100 composite

How does Healthcare Finance Direct LLC.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

48 Bottom 11% higher than 11% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Healthcare Finance Direct LLC. versus the debt-collection vertical average.

Timely response within SLA 91.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 69.6%

Share of US states + territories with at least one filed complaint against this collector.

How does Healthcare Finance Direct LLC. compare to its peers?

How does Healthcare Finance Direct LLC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Healthcare Finance Dir… National average
Complaints (last 12 mo)lower is better
86
84
268
Timely-response ratehigher is better
91%
80%
91%
Consumer-dispute ratelower is better
0%
18%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 124
Took or threatened to take negative or legal action - 54
False statements or representation - 23
Written notification about debt - 18
Electronic communications - 9
Communication tactics - 7
Threatened to contact someone or share information improperly - 4

Where do complaints against Healthcare Finance Direct LLC. come from?

Healthcare Finance Direct LLC.'s own per-state count, not a national baseline.

Top states by complaints against Healthcare Finance Direct LLC.

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Healthcare Finance Direct LLC. contacts you

A grade of F signals how Healthcare Finance Direct LLC.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Healthcare Finance Direct LLC. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Healthcare Finance Direct LLC. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Healthcare Finance Direct LLC.? ▼

The most common issue consumers report about Healthcare Finance Direct LLC. is "Attempts to collect debt not owed", specifically "Debt was already discharged in bankruptcy and is no longer owed". This is based on 239 complaints filed with the CFPB.

Are complaints against Healthcare Finance Direct LLC. increasing or decreasing? ▼

Complaints against Healthcare Finance Direct LLC. are rising. The company received 86 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Healthcare Finance Direct LLC.'s reputation grade? ▼

Healthcare Finance Direct LLC. has a reputation grade of F (score: 48.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Healthcare Finance Direct LLC. respond to consumer complaints? ▼

Healthcare Finance Direct LLC. has a 91% timely response rate to CFPB complaints.

In how many states does Healthcare Finance Direct LLC. operate? ▼

Healthcare Finance Direct LLC. has received CFPB complaints from consumers in 39 states, with the most complaints from Florida (30 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.