{"took":211,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15290,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9288066","_score":12.125975,"_source":{"product":"Debt collection","complaint_what_happened":"We had a company called XXXX XXXX XXXX XXXX XXXX ) called a Credit company that would set us up for a 12 months interest free loan .They required credit pull & our debt card. \nin XX/XX/XXXX we received a charge for {$290.00} directly from my Bank account from XXXX XXXX as a debit, the Company was XXXX XXXX  ( never heard of them ) we disputed that charge, and continue on to pay only patient Fi over the next 11 months as the only Loan company we know, and paid off the Debt in full in less than 12 months ( attached paid in full letter ) dated XX/XX/XXXX. \nSince XXXX this year we have been called dozens of times and letters sent ( most attached ) They have very sincere it seems like but nothing resolved and feel harassed now. \nplease advise. \n\n\nThank you, XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-06-18T23:36:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"89074","tags":"Older American","has_narrative":true,"complaint_id":"9288066","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2024-06-18T22:53:32.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["in XX/XX/XXXX we received a charge for {$290.00} directly from my Bank account from XXXX XXXX as a debit, the Company was XXXX XXXX  ( never heard of them ) we disputed that charge, and continue on to pay only <em>patient</em> Fi over the next 11 months as the only Loan company we know, and paid off the Debt in full in less than 12 months ( attached paid in full letter ) dated XX/XX/XXXX."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"9288066"]},{"_index":"complaint-public-v1","_id":"8729060","_score":12.125975,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently noticed that an ex friend used my name and social security to obtain a dental loan. I am listed as who the loan was approved for which is false and I DID not consent. She has apparently been making payments on her own while pretending to be me. I want this resolved and me removed from this loan as soon as possible. Im not sure how to go about fraud and who or where to report.","date_sent_to_company":"2024-04-09T16:32:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"56001","tags":null,"has_narrative":true,"complaint_id":"8729060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2024-04-09T16:00:14.000Z","state":"MN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"8729060"]},{"_index":"complaint-public-v1","_id":"8551142","_score":12.125975,"_source":{"product":"Credit card","complaint_what_happened":"I requested a Payoff. Once I received, I used that along with the name, address, and account number to XXXX XXXX XXXX. \nThe account was for a medical debt and was set up to autodraft via ACH from the very beginning. I was urged to NOT stop ACH until well after the balance was paid. \nThe account balance started at one balance and was not incurring interest for the initial 6 month period. I requested the payoff before the introductory period was over. \nXXXX remitted the amount in full. The account was closed. The ACH was stopped by the creditor. I never contacted anyone to stop the ACH. 3+ months later I started getting collections calls from the creditor. After the first call, I went to XXXX and confirmed that the account was closed. ( I can provide a screenshot ). I contacted PatientFi 3+ times to find out what the deal was but was never able to reach them. The first communication I received was when I filed a complaint. They now report the account as Open - Past Due. They claim I owe {$130.00} which I have now sent to satisfy their alleged unpaid balance. They have 10X in Collections as they do in Support.","date_sent_to_company":"2024-03-20T14:53:25.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"8551142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2024-03-14T19:18:37.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I contacted <em>Patient</em>Fi 3+ times to find out what the deal was but was never able to reach them. The first communication I received was when I filed a complaint. They now report the account as Open - Past Due. They claim I owe {$130.00} which I have now sent to satisfy their alleged unpaid balance. They have 10X in Collections as they do in Support."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"8551142"]},{"_index":"complaint-public-v1","_id":"7265358","_score":12.125975,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XXXX XXXX, I got a personal loan with PatientFi for services that I was getting through XXXX XXXX XXXX XXXX XXXX XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX uses for them for financing procedures. My service were not complete due to an issue that occurred during one of my sessions which I was XXXX on my XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX did offer XXXX XXXX of the XXXX XXXX, which did not equal in the amount of the XXXX. I had 2 appointments and no one was at the office on either day. I called Patientfi on XX/XX/2023 at XXXX XXXX and spoke to a customer service rep about my concerns. They told me that I would have to contact XXXX XXXX XXXX XXXX XXXX  to get a refund from them even though I making payments to PatientFi. I stated to the customer rep that it's not fair to me that I'm paying on a loan when services wasn't provided in it's entirety. I have contacted XXXX XXXXXXXX XXXX XXXX XXXX about my concerns and the refunds as well for services not rendered.","date_sent_to_company":"2023-07-17T15:26:11.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"7265358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2023-07-17T14:36:27.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["They told me that I would have to contact XXXX XXXX XXXX XXXX XXXX  to get a refund from them even though I making payments to <em>Patient</em>Fi. I stated to the customer rep that it's not fair to me that I'm paying on a loan when services wasn't provided in it's entirety. I have contacted XXXX XXXXXXXX XXXX XXXX XXXX about my concerns and the refunds as well for services not rendered."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"7265358"]},{"_index":"complaint-public-v1","_id":"6152267","_score":12.125975,"_source":{"product":"Debt collection","complaint_what_happened":"I tried to pay my patientfi debt off thats when they told me my loan went to XXXX XXXX XXXX, I started contacting them for about a week starting XX/XX/XXXX. My means of contact were via phone calls. I have called numerous amounts of time and have left multiple voicemails just trying to pay my debt. No one has contacted me back. I do not know my total amount due or even my account number.","date_sent_to_company":"2022-11-01T20:30:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"96720","tags":null,"has_narrative":true,"complaint_id":"6152267","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2022-11-01T20:30:38.000Z","state":"HI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"6152267"]},{"_index":"complaint-public-v1","_id":"21025610","_score":12.125975,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I entered into a deferred interest financing agreement with PatientFi in connection with a service provided through XXXX. \n\nWhile a promotional expiration date was disclosed at the outset, it was not reasonably accessible or visible throughout the life of the loan. The deadline was primarily buried within account statements rather than clearly displayed in my account dashboard. While the promotional expiration date may have appeared on the general account homepage, it was not displayed within the specific loan detail page where a borrower would reasonably expect to find key loan terms. This inconsistency made it difficult to reliably track the deadline. They told me the date was removed after the deadline passed, so I could have kept paying the 30 % interest without any idea.\n\nAt no point did I receive any reminder, notification, or alert that the promotional expiration date was approaching. This lack of notice is particularly concerning given the severe consequence of missing the deadline.\n\nI paid the balance in full within 11 days after the promotional expiration, demonstrating clear intent to comply with the promotional terms and always paid my bill on time. Despite this, PatientFi applied retroactive interest of approximately 30 % going back over a year.\n\nFurther, PatientFi does not provide reasonable access to customer support. The platform relies on a chatbot that does not allow escalation to a human representative or provide an email option. The only available method to reach a human is by phone, creating an unnecessary barrier to resolving urgent financial issues and documenting communication.\n\nThe combination of : - Limited visibility of the promotional deadline ; - No advance notice or reminders ; - Removal of key account information after expiration ; and - Lack of accessible customer support creates an unfair and misleading consumer experience.","date_sent_to_company":"2026-04-07T20:38:14.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"92614","tags":null,"has_narrative":true,"complaint_id":"21025610","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2026-04-07T20:19:25.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite this, <em>Patient</em>Fi applied retroactive interest of approximately 30 % going back over a year.\n\nFurther, <em>Patient</em>Fi does not provide reasonable access to customer support. The platform relies on a chatbot that does not allow escalation to a human representative or provide an email option. The only available method to reach a human is by phone, creating an unnecessary barrier to resolving urgent financial issues and documenting communication."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"21025610"]},{"_index":"complaint-public-v1","_id":"20361476","_score":12.125975,"_source":{"product":"Debt collection","complaint_what_happened":"I have a chronic spine issue and decided to try stem cell therapy through XXXX XXXX. XXXX XXXX utilizes a financial company, Patient FI, which offered a loan in the amount of {$12000.00} to be repaid over a 12 month 0 interest period beginning in XX/XX/XXXX. I provided a valid debit card info to Patient FI and everything proceeded without incident through XX/XX/XXXX. Then on XXXX XXXX I received an email from Patient FI advising my debit card will expire the last day of XX/XX/XXXX, which was correct. Patient FI always submitted their bill for payment on the XXXX of each month except for XXXX XXXX. On XX/XX/XXXX I received another email advising my card would be expiring the last day of XX/XX/XXXX. For some reason they decided not to request the payment for XX/XX/XXXX on the XXXX like the previous 11 months. According to Patient FI my lack of payment on the XXXX of XXXX I did not fulfill my contract with them. The debit card I provided was still active and the funds was available in my bank account. On XX/XX/XXXX I made a manual payment in the remaining amount of {$1000.00}. Loan Paid in Full. Continue to receive emails from them indicating i owe over {$2000.00} in late fees with the latest urging me to address the matter to avoid further consequences. I repaid the {$120000.00} loan in the agreed 12 month period, I truly believe they developed this situation to provide a method to charge and collect interest or late fees. I now consider this harassment and it needs to stop,","date_sent_to_company":"2026-03-18T05:02:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"77429","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"20361476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2026-03-18T01:49:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["XXXX XXXX utilizes a financial company, <em>Patient</em> FI, which offered a loan in the amount of {$12000.00} to be repaid over a 12 month 0 interest period beginning in XX/XX/XXXX. I provided a valid debit card info to <em>Patient</em> FI and everything proceeded without incident through XX/XX/XXXX. Then on XXXX XXXX I received an email from <em>Patient</em> FI advising my debit card will expire the last day of XX/XX/XXXX, which was correct."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"20361476"]},{"_index":"complaint-public-v1","_id":"20178512","_score":12.125975,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am reporting a violation of XXXX XXXX XXXX and UDAAP regarding an 'All-on-Six \" dental loan. \nThe Facts : > XXXX. On XX/XX/XXXX, a recorded call ( confirmed by the company ) authorized a payment for XX/XX/XXXX to bring the account current. \nXXXX. The payment was received on XX/XX/XXXX. \nXXXX. The company is now attempting to refund this valid payment to force an inaccurate 'Charge-Off ' status. \nRequested Resolution : Rescind the refund immediately, credit the account as 'Current ' as of XX/XX/XXXX, and formally XXXX the debt from the collection agency ( Bounce AI ) as an administrative error. \nProof of the payment arrangement ( XX/XX/XXXX ) and the draft ( receipt date of XX/XX/XXXX, withdrawal on the following business day ) is attached.","date_sent_to_company":"2026-03-11T20:17:41.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"10035","tags":null,"has_narrative":true,"complaint_id":"20178512","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2026-03-11T19:33:03.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"20178512"]},{"_index":"complaint-public-v1","_id":"20152480","_score":12.125975,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am filing a formal complaint regarding a medical financing loan issued through PatientFi for cosmetic procedures performed at XXXX XXXX. I am a senior consumer who entered into this loan in good faith with the expectation that the services financed would be properly provided. \nI have continued making my monthly payments while attempting to resolve this dispute responsibly. \nThe services financed were not fully or satisfactorily completed before the XXXX XXXX location closed. I requested assistance from PatientFi to resolve the matter because I am still obligated to pay for services that were incomplete and unsatisfactory.\n\nPatientFi has refused to provide any meaningful resolution. They have stated that they can not guarantee results and have denied my request for loan adjustment or refund. They have also stated that there is no further review available and that my complaint has already been escalated to their Legal and Compliance department. \nPatientFi informed me that the XXXX XXXX location has been acquired by another company, Perfect Dose. However, XXXX XXXX has stated in writing that they did not assume any liability or responsibility for services performed by XXXX XXXX. They have only offered to complete limited remaining services but have refused any financial responsibility.\n\nAs a result : PatientFi refuses to adjust the loan and refund the remaining balance of this loan for the failed result. \nXXXX XXXX refuses responsibility for the financed services. \nThe original provider is no longer operating. \nI am still required to make payments on a loan for services that were not properly completed. \nI believe PatientFi has an obligation to assist in resolving this situation because the loan was issued specifically for these services through their financing program.\n\nI am requesting the following resolution : A fair adjustment or reduction of the loan balance to reflect incomplete or unsatisfactory services, or Cancellation of the remaining loan balance. \nI am not seeking to avoid legitimate obligations. I am seeking a fair resolution for services that were not properly provided. \nI have attempted to resolve this matter directly with PatientFi multiple times before filing this complaint. \nI respectfully request that the Consumer Financial Protection Bureau review this matter and assist in reaching a fair resolution.","date_sent_to_company":"2026-03-11T02:43:28.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"853XX","tags":"Older American","has_narrative":true,"complaint_id":"20152480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2026-03-11T02:25:44.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Patient</em>Fi informed me that the XXXX XXXX location has been acquired by another company, Perfect Dose. However, XXXX XXXX has stated in writing that they did not assume any liability or responsibility for services performed by XXXX XXXX. They have only offered to complete limited remaining services but have refused any financial responsibility.\n\nAs a result : <em>Patient</em>Fi refuses to adjust the loan and refund the remaining balance of this loan for the failed result."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"20152480"]},{"_index":"complaint-public-v1","_id":"16660852","_score":12.125975,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"U had applied for a loan ( installments ) for \" XXXX '' service. They installments service was given through \" Patientfi '' finance services. \nI had a 24 month no internet promotion- so I had automatic payments set up with Patientfi , which were working correctly until their system changed my auto-payment settings without my authorization or notice. In the month of XX/XX/year> they didn't charge me ; then changed it so i had to pay again on XX/XX/year> then they kept changing the payment charged evey month. As a result, the system failed to charge my account properly, and the company assessed an interest charge and/or late fee.\n\nI contacted the company to explain that the issue was caused by their system, not by any missed payment on my part. Despite this, they have not corrected the error or reversed the improper charge.\n\nI am requesting that the CFPB help ensure : 1. The company reverses the interest and late fees caused by this system error.\n\n2. My account and credit record remain unaffected.\n\n3. The company reviews and fixes any auto-payment glitches that may affect other consumers. \n\nBest Regards XXXX XXXX","date_sent_to_company":"2025-10-17T16:12:06.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"92612","tags":null,"has_narrative":true,"complaint_id":"16660852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2025-10-17T16:02:45.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"16660852"]},{"_index":"complaint-public-v1","_id":"16585486","_score":12.125975,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It XXXX Concern, I am submitting this formal complaint against XXXX XXXX PatientFi, and XXXX XXXX XXXX for multiple violations of federal consumer protection laws. These violations have caused direct harm to my credit integrity, financial stability, and emotional well-being. \nXXXX XXXX  is attempting to collect a {$1300.00} debt tied to a PatientFi Installment Contract administered by XXXX XXXX XXXX ( starting from XX/XX/XXXX ). This debt is based on fraudulent billing from XXXX XXXX XXXX XXXX, which falsely claimed to have used XXXX syringes of filler when only XXXX were injected ( XXXX full and the second one maybe XXXX was left ). I paid for the actual services rendered ( {$600.00} for XXXX vial and {$400.00} for the second and I believe {$94.00} late fees ) and technically retained available credit on the {$2400.00} credit. The remaining balance is fabricated. \nXXXX XXXX XXXX also opened a financial account using my Social Security Number without my knowledge or consent. I never signed or authorized any application. This constitutes identity misuse and unauthorized account creation. \nXXXX XXXX continues to harass me via text and email despite my written demand for mail only communication ( started XX/XX/XXXX and continued on the XXXX, XXXX and XXXX ). Their conduct violates multiple federal statutes and consumer protections. \nThe following legal violations have occurred : FDCPA 1692e False representation of the character, amount, or legal status of the alleged debt FDCPA 1692c ( a ) Contacting me via text and email after I revoked consent and demanded mail-only communication FDCPA 1692d Harassment through repeated electronic contact FDCPA 1692f Attempting to collect an amount not authorized by agreement or law TILA 1631 Failure to provide accurate disclosures regarding financing terms and billing EFTA 1693c Unauthorized creation of a financial account using my Social Security Number 18 U.S.C. 1028 Identity theft : use of my SSN to open a credit union account without consent 12 U.S.C. 5531 Engaging in unfair, deceptive, and abusive acts or practices Each of these violations carries a statutory penalty of {$1000.00}, totaling {$8000.00} in fines. \nIn addition, I am demanding the following corrective actions : Complete deletion of the tradeline if the creditor can not provide legally sufficient documentation in compliance with the Fair Credit Reporting Act ( FCRA ) Financial retribution in the amount of {$25000.00} to compensate for credit impairment, emotional distress, and financial hardship caused by your agencys failure to comply with federal law Failure to comply with these requests will result in further legal action, including but not limited to : Civil litigation for damages Regulatory enforcement referrals Formal complaints to the Federal Trade Commission ( FTC ) Formal complaints to the California Attorney Generals Office I demand that the CFPB investigate and impose maximum statutory fines and corrective measures against all parties involved.","date_sent_to_company":"2025-10-14T23:31:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"16585486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2025-10-14T23:30:35.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["To Whom It XXXX Concern, I am submitting this formal complaint against XXXX XXXX <em>Patient</em>Fi, and XXXX XXXX XXXX for multiple violations of federal consumer protection laws. These violations have caused direct harm to my credit integrity, financial stability, and emotional well-being. \nXXXX XXXX  is attempting to collect a {$1300.00} debt tied to a <em>Patient</em>Fi Installment Contract administered by XXXX XXXX XXXX ( starting from XX/XX/XXXX )."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"16585486"]},{"_index":"complaint-public-v1","_id":"16277887","_score":12.125975,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"My balance for a loan from PatientFi stopped updating on my credit report as I was paying it off. I contacted them and they said they'd submitted it recently. It never updated after XX/XX/year> and I filed a dispute with my statements from them, banks I paid from, and current balance shown in their XXXX. They updated payment history through XXXX and reasserted the old balance from XXXX. XXXX  was tracking the balance correctly but after the dispute updated it to the higher balance from XXXX. I filed another dispute with more statements and they resolved it asserting that the info they reported was correct. The balance on my report will soon be over-reported by over {$7000.00} and it's hurting my ability to get personal credit card limit increases and credit cards for my business.","date_sent_to_company":"2025-09-30T05:54:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Installment loan","zip_code":"371XX","tags":null,"has_narrative":true,"complaint_id":"16277887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2025-09-30T05:35:24.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My balance for a loan from <em>Patient</em>Fi stopped updating on my credit report as I was paying it off. I contacted them and they said they'd submitted it recently. It never updated after XX/XX/year> and I filed a dispute with my statements from them, banks I paid from, and current balance shown in their XXXX. They updated payment history through XXXX and reasserted the old balance from XXXX. XXXX  was tracking the balance correctly but after the dispute updated it to the higher balance from XXXX."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"16277887"]},{"_index":"complaint-public-v1","_id":"15052843","_score":12.125975,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I purchased some weight loss tablets from this company, but instead they sent me injections. When I contacted them to request an exchange, they insisted that the injections were more effective. I asked them to stop charging me if they couldnt provide the correct product, but they refused. I called them five times with no resolution. Frustrated by the lack of support, I placed a stop payment on the charges in XX/XX/year>. Now, Ive noticed that they are reporting me as late on my credit report, which is negatively affecting my credit score.","date_sent_to_company":"2025-08-13T18:08:26.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"20011","tags":null,"has_narrative":true,"complaint_id":"15052843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2025-08-01T15:32:15.000Z","state":"DC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"15052843"]},{"_index":"complaint-public-v1","_id":"13420370","_score":12.125975,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hello, I was reviewing my Consumer Report and I seen some instances of a late payment I have never missed a payment on XXXX.. I believe the company was using my information incorrectly. Consumer Reporting agencies play a crucial role in accuracy reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on XXXX XXXX. I have requested a investigation into these discrepancies and urge you provide all evidence, such was statements, demonstrating that lateness of these payments. If unable to provide proof I demand all these payments be promptly updated to reflected their true status as on time.","date_sent_to_company":"2025-05-08T13:48:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76106","tags":null,"has_narrative":true,"complaint_id":"13420370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2025-05-08T13:16:07.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"13420370"]},{"_index":"complaint-public-v1","_id":"10507835","_score":12.125975,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The derogatory rating on my account is seriously concerning. It's already led to a loan denial and higher interest rates. This is causing me severe financial and emotional stress until resolved.","date_sent_to_company":"2024-10-18T10:13:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97338","tags":null,"has_narrative":true,"complaint_id":"10507835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2024-10-18T10:11:10.000Z","state":"OR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.125975,"10507835"]},{"_index":"complaint-public-v1","_id":"8409054","_score":12.066981,"_source":{"product":"Debt collection","complaint_what_happened":"Patient Fi {$4300.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX. $ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Actions Taken : sent companies, identity, theft, affidavit, police report filed with the XXXX Police Department for fraud with all fraudulent accounts added on report. \n\nSpoke with representative XXXX XXXX from PatientFi on XXXX XXXX they agreed to remove the fraudulent accounts, but they have yet to do so. \n\nSpoke with representative XXXX XXXX XXXX XXXX from XXXX XXXX XXXX he told me the account was taken out in my name by a XXXX XXXX XXXX. I do not know who that is nor did I authorize them to use my information to take out any type of loan. \n\nThe loan that was taken out were done online electronically from XXXX XXXX XXXX by XXXX XXXX. My name is XXXX, XXXX XXXX, XXXX.","date_sent_to_company":"2024-02-23T22:09:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"76002","tags":null,"has_narrative":true,"complaint_id":"8409054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2024-02-23T21:58:10.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>Patient</em> Fi {$4300.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX. $ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Actions Taken : sent companies, identity, theft, affidavit, police report filed with the XXXX Police Department for fraud with all fraudulent accounts added on report. \n\nSpoke with representative XXXX XXXX from <em>Patient</em>Fi on XXXX XXXX they agreed to remove the fraudulent accounts, but they have yet to do so."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.066981,"8409054"]},{"_index":"complaint-public-v1","_id":"7911205","_score":12.066981,"_source":{"product":"Debt collection","complaint_what_happened":"This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits on XX/XX/. They furnished this account that we didn't agree upon and I didn't sign an agreement on in the amount of XXXX dollars. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA i'm entitled to XXXX dollars per violation and clearly they violated my rights.","date_sent_to_company":"2023-11-27T15:20:29.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"7911205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2023-11-27T14:56:27.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.066981,"7911205"]},{"_index":"complaint-public-v1","_id":"7365441","_score":12.066981,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I filled a dispute with XXXX because there are 2 fraudulent accounts on my credit report they are both from the same lender PATIENTFI/LAUNCH one was in XXXX, 2022 the other XXXX, 2022 XXXX said they an investigation and found that these were my accounts which is not true so I did my own investigation and called Patientfi at XXXX and spoke with a representative named XXXX and found out they have a fake email and phone number also the loan was used for XXXX XXXX in someone else name but they got a loan using my ss number strongly urge XXXX to call this company and they will tell I never signed any paperwork they don't even have a copy of my ID","date_sent_to_company":"2023-08-07T16:28:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7365441","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2023-08-07T16:28:50.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.066981,"7365441"]},{"_index":"complaint-public-v1","_id":"7038922","_score":12.066981,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. \n15 USC 1681 Section 602 States I have the right to privacy.\n\n15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.\n\n15 USC 1666B : A creditor may not treat a payment on a credit account under an open end customer credit plan as late for any purpose.","date_sent_to_company":"2023-05-29T01:33:44.000Z","issue":"Improper use of your report","sub_product":"Personal line of credit","zip_code":"389XX","tags":null,"has_narrative":true,"complaint_id":"7038922","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2023-05-29T00:55:17.000Z","state":"MS","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.066981,"7038922"]},{"_index":"complaint-public-v1","_id":"6510466","_score":12.066981,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had a meeting today with my banker to obtain a line of credit for my medical practice. He asked me about my XXXX XXXX and when I looked it up XXXX of the scores were in the XXXX 's and XXXX in the XXXX 's. I thought it was strange so I decided to look it up to see why it could have been so low. I saw that there was an account opened while My wife and I were in the hospital welcoming our second son. I have submitted a dispute with transunion, called the office in which the fraud has occurred, and the credit company in which extended the credit. I have not lived in the address provided for more than XXXX  years and I do not know of the number that was used in the transaction.","date_sent_to_company":"2023-01-31T20:57:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"20018","tags":null,"has_narrative":true,"complaint_id":"6510466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2023-01-31T20:45:18.000Z","state":"DC","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.066981,"6510466"]},{"_index":"complaint-public-v1","_id":"5581571","_score":12.066981,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Today I received an email from Patient Fi stating that my application was denied due to the below : Serious delinquency, Number of accounts with delinquency, Too few accounts currently paid as agreed, Proportion of loan balances to loan amounts is too high, The number of inquiries on the consumer 's credit file has adversely affected the credit score. \nIf you have any questions about your credit score, you should contact : 1st of all I feel like I'm being pranked, because I never applied for an account with these people. On top of that I have a XXXX XXXX score with no delinquents. Please review the attachments to support my claim. Also it also shows that on my XXXX credit report these people never accessed my credit report. \n\nPlease let me know if these people are scammers.","date_sent_to_company":"2022-05-20T03:38:06.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"60543","tags":null,"has_narrative":true,"complaint_id":"5581571","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2022-05-20T03:24:37.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Today I received an email from <em>Patient</em> Fi stating that my application was denied due to the below : Serious delinquency, Number of accounts with delinquency, Too few accounts currently paid as agreed, Proportion of loan balances to loan amounts is too high, The number of inquiries on the consumer 's credit file has adversely affected the credit score."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.066981,"5581571"]},{"_index":"complaint-public-v1","_id":"21231818","_score":12.066981,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. \nI am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. \nRight now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges.\n\n2. Documents showing where this obligation originated and how your company obtained it.\n\n3. Any agreement, application, signature, contract, or document that links me to the account.\n\n4. Proof your company is authorized and licensed to collect in my state, including registration details.\n\n5. Any notices or communications you claim you sent before reporting the account to the credit bureaus.\n\n6. The identity and address of the original creditor, along with the original account details. \n\nXXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. \n\nI am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. \nUntil this information is provided, I am requesting that all collection activity pause as allowed under federal law. \nIf you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. \nLastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. \nOnce I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX","date_sent_to_company":"2026-04-14T18:01:49.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"91352","tags":null,"has_narrative":true,"complaint_id":"21231818","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2026-04-14T17:57:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.066981,"21231818"]},{"_index":"complaint-public-v1","_id":"19363784","_score":12.066981,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Company : PatientFi Product : Medical / cosmetic financing What happened I financed {$1100.00} through PatientFi for XXXX  XXXX XXXX provided by Ideal Image. After the first treatment, I experienced failed results and a significant adverse reaction, including XXXX XXXX and XXXX  lasting approximately three weeks. I am prescribed XXXX XXXX and was not advised to discontinue them prior to treatment, raising concerns regarding medical safety and informed consent. \nDue to these medical issues, I am unable to complete the remaining service. XXXX XXXX has refused a refund. XXXX XXXX is now claiming the treatment location is no longer affiliated with them, despite the procedure being performed while the clinic was operating under the XXXX XXXX brand.\n\nPatientFi has failed to provide timely responses, has not confirmed that my account is marked in dispute, and has not confirmed that payments, interest, or credit reporting are paused. I am being left between a merchant denying responsibility and a financing company failing to act.","date_sent_to_company":"2026-02-09T20:38:50.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"853XX","tags":"Older American","has_narrative":true,"complaint_id":"19363784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2026-02-09T20:09:06.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Company : <em>Patient</em>Fi Product : Medical / cosmetic financing What happened I financed {$1100.00} through <em>Patient</em>Fi for XXXX  XXXX XXXX provided by Ideal Image. After the first treatment, I experienced failed results and a significant adverse reaction, including XXXX XXXX and XXXX  lasting approximately three weeks. I am prescribed XXXX XXXX and was not advised to discontinue them prior to treatment, raising concerns regarding medical safety and informed consent."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.066981,"19363784"]},{"_index":"complaint-public-v1","_id":"19162152","_score":12.066981,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX and PatientFi operate in a coordinated arrangement whereby all treatments are paid upfront through a PatientFi loan that is purpose-specific and tied exclusively to XXXX services. \n\nI discontinued treatment and declined to continue further services due to medical concerns and uncertainty regarding safety. As a result, a substantial portion of the contracted services was never rendered, and I received no benefit from those unused services.\n\nDespite this, PatientFi continues to treat the obligation as fully earned and valid, even though the underlying services were not performed. Neither PatientFi nor XXXX XXXX XXXX has provided a clear, itemized accounting showing which services were rendered, which were not, or how unperformed XXXX XXXX can be considered earned. \n\nAdditionally, PatientFi has reported a balance exceeding the original loan amount while refusing to provide documentation explaining interest accrual, fees, or balance increases. This raises serious concerns regarding inaccurate billing, lack of transparency, and potential violations of consumer lending and credit reporting obligations. \n\nI disputed the debt directly with PatientFi and attempted to resolve the matter in good faith, including proposing settlement. PatientFi nevertheless charged off the account and referred it to third-party collections without validating the debt, correcting the accounting, or addressing the dispute. \n\nAs a result of this conduct, PatientFi furnished negative credit reporting that has materially damaged my credit profile, including mortgage-related scores, based on an obligation that remains disputed and unsupported by proper accounting. \n\nThis arrangement effectively forces consumers to repay loans for XXXX XXXX they did not receive and can not safely or reasonably continue, while denying refunds, obscuring balances, and damaging credit. I believe this constitutes unfair and deceptive practices and request CFPB review, correction of the reported balance, cessation of collection activity, and remediation of inaccurate credit reporting.","date_sent_to_company":"2026-03-18T16:47:49.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"92108","tags":null,"has_narrative":true,"complaint_id":"19162152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2026-02-01T01:35:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Despite this, <em>Patient</em>Fi continues to treat the obligation as fully earned and valid, even though the underlying services were not performed. Neither <em>Patient</em>Fi nor XXXX XXXX XXXX has provided a clear, itemized accounting showing which services were rendered, which were not, or how unperformed XXXX XXXX can be considered earned."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.066981,"19162152"]},{"_index":"complaint-public-v1","_id":"18667482","_score":12.066981,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am submitting a new complaint based on new information that was not addressed in my prior CFPB complaint, which has since been closed. In response to my prior complaint,\nPatientFi asserted that monthly billing statements sent to me included specific disclosure language stating : Deferred Interest Your principal loan balance must be paid in full on or before XX/XX/year> to avoid paying accrued interest charges.\n\nHowever, the regular electronic billing communications I actually received from PatientFi did not contain this language. The emails emphasized only the minimum monthly payment, due date, and AutoPay status, and did not disclose the promotional end date, payoff deadline, or any warning that paying only the minimum would trigger accrued interest.\n\nI am attaching examples of the recurring billing emails I received, which demonstrate that the communications did not clearly or affirmatively disclose the deferred-interest payoff deadline or consequences. These emails were the primary method by which PatientFi communicated with me.\n\nThe discrepancy between what PatientFi claims was disclosed and what was actually communicated to me raises concerns about misleading or incomplete billing communications and whether the disclosures were adequate in practice for consumers receiving electronic statements.\n\nOnce I became aware that interest would be assessed, I promptly paid the remaining principal balance in full. I am requesting CFPB assistance in reviewing whether PatientFis billing communications were misleading or insufficient and in facilitating a fair resolution, including refund or waiver of accrued interest.\n\nI have attached documents showing the standard monthly billing communications, the final principle balance, the confirmation of the principle balance being paid, and the response where PatientFi claimed they sent my monthly information, which they did not. ( This last document would not load due to a limit ; it can be referenced in complaint XXXX )","date_sent_to_company":"2026-01-12T23:56:52.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Personal line of credit","zip_code":"961XX","tags":null,"has_narrative":true,"complaint_id":"18667482","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PatientFi, Inc.","date_received":"2026-01-12T23:35:31.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In response to my prior complaint,\n<em>Patient</em>Fi asserted that monthly billing statements sent to me included specific disclosure language stating : Deferred Interest Your principal loan balance must be paid in full on or before XX/XX/year> to avoid paying accrued interest charges.\n\nHowever, the regular electronic billing communications I actually received from <em>Patient</em>Fi did not contain this language."],"company":["<em>Patient</em>Fi, Inc."]},"sort":[12.066981,"18667482"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":15658,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":15290},{"key":0,"key_as_string":"false","doc_count":368}]}},"product":{"doc_count":15290,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":6126,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6111},{"key":"Other personal consumer report","doc_count":15}]}},{"key":"Debt collection","doc_count":2923,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Medical debt","doc_count":2079},{"key":"Medical","doc_count":272},{"key":"Other debt","doc_count":174},{"key":"I do not 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