Debt collection
Healthcare Finance Direct: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 29
- Closed with money back
- 1
- 2023 to 2025
- 0 to 20
Healthcare Finance Direct received 301 complaints from everyone in the window; 29 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 1 of the 29 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 0 in 2023 to 20 in 2025.
What the complaints are about
By product
| Debt collection | 20 |
| Payday loan, title loan, personal loan, or advance loan | 7 |
| Credit reporting or other personal consumer reports | 2 |
By issue
| Attempts to collect debt not owed | 10 |
| Took or threatened to take negative or legal action | 4 |
| Electronic communications | 2 |
| False statements or representation | 2 |
| Problem when making payments | 2 |
| 2023: 0 | 2024: 9 | 2025: 20 |
Which accounts, specifically
| Other debt | 11 |
| Installment loan | 7 |
| Medical debt | 4 |
| I do not know | 4 |
| Credit reporting | 2 |
What went wrong, specifically
| Debt was already discharged in bankruptcy and is no longer owed | 6 |
| Threatened or suggested your credit would be damaged | 4 |
| Debt is not yours | 3 |
| Frequent or repeated messages | 2 |
| Attempted to collect wrong amount | 2 |
Busiest month: August 2025, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from VA (5), FL (4), MI (3) , then AZ, SC, AR.
How Healthcare Finance Direct answered
| Closed with explanation | 28 |
| Closed with monetary relief | 1 |
Healthcare Finance Direct responded within the CFPB's 15-day window on 90% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Took or threatened to take negative or legal action. SC, 2024-07-16. Outcome: Closed with explanation. Complaint 9521675
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Debt collection; Attempts to collect debt not owed. NC, 2024-05-10. Outcome: Closed with explanation. Complaint 8977122
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Debt collection; Took or threatened to take negative or legal action. WI, 2024-04-18. Outcome: Closed with explanation. Complaint 8805407
If this is your problem at Healthcare Finance Direct
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Law Office of Michael J. Scott, PC 29 servicemember complaints; 0 with money back
- Shepherd Outsourcing 29 servicemember complaints; 0 with money back
- Torriere 29 servicemember complaints; 0 with money back
- McCarthy, Burgess & Wolff 30 servicemember complaints; 0 with money back
- Adler Wallach & Associates 28 servicemember complaints; 0 with money back
Next in the directory by volume: National Consumer Telecom & Utilities Exchange, Remitly.
Frequently asked questions
How many complaints did servicemembers file against Healthcare Finance Direct?
29 complaints tagged servicemember were received by the CFPB about Healthcare Finance Direct LLC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 0 in 2023 to 20 in 2025.
What do servicemembers complain about most at Healthcare Finance Direct?
Debt collection accounts for 20 of the 29 complaints, and the most common issue is "Attempts to collect debt not owed" (10). Next: "Took or threatened to take negative or legal action" (4).
Does Healthcare Finance Direct give money back when a servicemember complains?
1 of the 29 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 28 closed with an explanation only. Healthcare Finance Direct answered 90% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.