Total CFPB complaints
212
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 212 complaints
Healthcare Finance Direct LLC. — Debt Collector Complaint Profile
CFPB complaint profile across 40 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Healthcare Finance Direct LLC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
100 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
50 complaints
- False statements or representation 17
False statements or representation
17 complaints
- Written notification about debt 15
Written notification about debt
15 complaints
- Didn't provide services promised 9
Didn't provide services promised
9 complaints
- Electronic communications 8
Electronic communications
8 complaints
F
Grade F · 48.0/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Healthcare Finance Direct LLC.?
Healthcare Finance Direct LLC. has accumulated 212 total CFPB complaints across 40 states, with 90 filed in the most recent 12 months against 122 historical complaints before that window. The trailing-12-month volume represents 42.5% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 40 states, led by California with 22 and Texas with 21, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.0/100 places Healthcare Finance Direct LLC. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
90
42.5% of total history
Stable →
States active
40
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Reputation grade
F
48.0/100 composite
Response-quality profile
How Healthcare Finance Direct LLC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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 71.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Healthcare Finance Direct LLC. compare to its peers?
Healthcare Finance Dir… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed100 (%)
Took or threatened to take negative or legal action50 (%)
False statements or representation17 (%)
Written notification about debt15 (%)
Didn't provide services promised9 (%)
Electronic communications8 (%)
Threatened to contact someone or share information improperly3 (%)
Most common issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 63 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 50 |
| Attempts to collect debt not owed | Debt is not yours | 26 |
| False statements or representation | Attempted to collect wrong amount | 17 |
| Written notification about debt | Didn't receive notice of right to dispute | 11 |
| Attempts to collect debt not owed | Debt was paid | 11 |
| Didn't provide services promised | — | 9 |
| Electronic communications | Frequent or repeated messages | 8 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 3 |
Where do complaints against Healthcare Finance Direct LLC. come from?
The states where consumers have filed the most CFPB complaints against Healthcare Finance Direct LLC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Healthcare Finance Direct LLC.
Across 40 states with at least one filing
- California
California
22 complaints
- Texas
Texas
21 complaints
- Florida
Florida
21 complaints
- Michigan
Michigan
13 complaints
- Virginia
Virginia
12 complaints
- New York
New York
11 complaints
- South Carolina
South Carolina
9 complaints
- Georgia
Georgia
9 complaints
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 212 complaints filed with the CFPB.
Are complaints against Healthcare Finance Direct LLC. increasing or decreasing? ▼
Complaints against Healthcare Finance Direct LLC. have been stable. The company received 90 complaints in the last 12 months.
What is Healthcare Finance Direct LLC.'s reputation grade? ▼
Healthcare Finance Direct LLC. has a reputation grade of F (score: 48.0/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 40 states, with the most complaints from California (22 complaints).
What can I do if Healthcare Finance Direct LLC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Healthcare Finance Direct LLC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |