SHADY BUSINESS, I paid $2500 for a product that was not legitimate, I owe the company one last payment of $89 and they told me that They were going to look into seeing if the debt can be forgiven since I was scammed by the company who they chose to work with and instead of getting back to me they all of a sudden tell me now I have a late fees and it's over $250 now??? Seems like these people work with fraudulent businesses that will scam you out of your money and then they'll lie to you just so that way your remaining balance can Be late on payments and accumulate more debt. I am going to Continue speaking out publicly against this company until they forgive my debt for their wrongdoing. All the reviews will only be taken down after the company makes things right. I am also having my attorney write multiple letters to both the state, the county and the BBB As well as any other relevant place. read more

If I could give them a Zero I would. This company is a bunch of partial English speaking scammer that have no respect for themselves or the law. My checking account was charged 5 times in one day and they went back 3 days later and charged my account 3 more times. My bank put a fraud alert on my account since they were only to take 57.41. Since. I had the money in my account they tried desperately to get every dime from my account. I am still working to get this issue resolved with my bank. When you call to speak with a supervisor the person leaves you on hold for very long time and then they disconnect.I also blame Affordable Dental because they're using a company with many complaints to the Better Business Bureau. There are horrible reviews on Yelp and Google. I trusted Affordable Dental and now I believe they're in partnership with the scammers. I would never visit Affordable Dental again,since they have ties with HFD. They also did shabby dental work,so it would make since they are using HFD for financing. read more

Avoid this company at all costs. I signed up for aligners from Smile Direct and it turns out that the company went into bankruptcy. No products were ever sent. Even though HFD claims that anyone who didn't receive their aligners will have their contracts cancelled, they have not cancelled mine or many other people's contracts. They won't connected to a supervisor, the supervisor never calls back as promised, they don't answer emails or complaints on their site and they stopped replying to my Better Business Bureau complaint. Funny how so many of their responses here are please call us so we can help you but there is no help! Just promises of a call back that doesn't happen. Use any other loan service than Healthcare Financial Direct! read more

HFD and Smile Direct are THIEVES. DO NOT USE EITHER COMPANY. They direct debited $1363 from my account without authorization. Dispute with your bank. read more

If 0 stars was an option... this company is skeevy, smile direct is skeevy. The screwed and continue to screw hundreds of us each month for services we will never ever get! What they are doing amounts to theft and fraud, NEVER NEVER NEVER order services like this online! We signed up 2 weeks later they were bankrupt, we have had 0 support this entire journey but are being charged the full amount of our contracts for NO service provided. Thankfully all of my daughter aligners fit and we made it to the end of her treatment with no major issues. She needs refinements but we are done! read more

Been trying to call(WITHIN BUSINESS HOURS MIND YOU) to receive information on what my remaining balance is so I can then pay the rest off and get out of this agreement, called and pressed 0 multiple times and all leading to an Immediate hang up on the phone not even beep. I just downloaded Yelp and see that I wasn't the only and realized I should have seen these reviews sooner. HFD, please read and reach to me so I can go carry on. From the looks of it, leaving my review is the only way for your business to respond to me since the website is whacked up too(I've tried there and seen another reviewer have the same issue from almost 2 YEARS AGO). Also to any reviewer reading this, if you know how I can get a hold of them please please please let me know! read more

Absolutely the worst company that I've ever dealt with. They have over charged me countless times and when I called their excuse was "oh sorry we changed your plan" on top of that they don't tell you that your bound into auto pay and they charge what ever they please when ever they please. This month they decided to charge my account twice amounting in $249.12 and I cannot get ahold of anyone. This company is a bunch a of thieves and they never have any justification for any of this. DO NOT FINANCE THROUGH THIS COMPANY!! read more

Health Care direct is either the most incompetent Company I have ever dealt with. Tried for 3 months to get an itemized bill so I could payoff the balance. Every one I talked to said I would get within days. My husband who is a Judge and Attorney was hung up on. Finally recieved a bill without a breakdown of charges and credits. I paid the amount that said "The entire balance. I paid that and thought this was over but yesterday recieved a collection letter with a threat to be turned over to a collection agency. I would advise anyone who signs up for Smile Direct to pay cash or not use Healthcare finance direct. They have a bad rating with the better business bureau as well as customer complaints . Dara B read more

Fraudulent charge my account without authorization. Disputed it and they agreed to refund only not to because they put in their notes I refused the refund and hung up! Makes no sense. If I called for a refund why would I deny it! None of the representatives are in American all have the same foreign accent with rude personality the company obviously instilled in them. Complete joke. When I called back to find out what happened with my refund all they cared about was letting me know when they would charge me again. Very greedy and no moral or good business practices whatsoever. The worst company I've ever dealt with. Scam. No wonder it's not bbb. I don't know how they're still in business. read more

I'm very happy with the customer service. Candace went above and beyond what I expected in addressing my inquiry. She stayed on the line until every last issue was resolved. She was also very sweet and patient. I've called this company a total of 3 times and have always received outstanding service. read more

Shady company that charges bogus fees. Was charged $25 returned payment fee even though it is set to autopay! Got payment email on a saturday and what do you know it charged itself the following Monday so my payment method is obviously working without issue. Other people have mentioned a glitch with their crap website so I wouldn't be surprised if it failed over the weekend to charge my card. Will be filing a complaint with DCA in California for this behavior. read more

Please research this company before committing to a payment plan from Smile Direct Club! It is absolutely the worst.. I signed up for a 24 month payment plan initially, but changed to a 12 month plan with payments of $135 month. After completing my payment plan last month I received a random charge for $80. Their limited hours and poor customer service has made this error almost impossible to correct. I wish they didn't MAKE you sign up for automatic payments. Be sure to check your statements frequently if you use this company!!! Update: Changed my rating to three stars because they helped to remove the charge. read more

This company is the worst they fraud you of your money. It says I have a balance left of 234 dollars yet I still in total have to pay 498 dollars I don't understand and they take money out of your account without you approving for them to do so. I don't even understand how they are still in business STAY AWAY FROM THEM. read more

These guys and Smile Direct are horrible. They stated they would bill my insurance and did not. Then sent my son to collections and would not respond to his emails or calls. DO NOT USE SMILE CLUB DIRECT. THEY ARE FRAUD. read more

this company is a scam and they will steal your money if u give them any of your information! i cancelled my smile direct club last year and these sobs kept pulling money out of my account without my consent!! i have gone through hell trying recover money that these theives have taken!! i will be filing a lawsuit against these pos people!!! read more

If I could give them zero stars I would. Stay away from this company and Smile Diterct club. They are liars and thieves. They will erase your credit card info and then send you a bill 3 months past due. If your name isn't on the account forget it. They will not help you what so ever. I tried making a payment. A PAYMENT AS INTO GIVING THEM MONEY PAYING OFF THE BILL. NOPE YOUR NAME ISN'T ON THE ACCOUNT SO CAN'T HELP YOU. HEALTHCARE FINANCE DIRECT. I hope your company goes under. I really do. As you read other comments I am not the only with this problem. Smile Direct club and Healthcare finance direct. All these positive 5 star reviews are from employees so don't let the positive reviews fool you. ALL LIES AND THIEVES!!!!! read more

This company is not worth the one star, that's the defaulted selection. I signed up for Smile Direct Club (SDC) on August 27, 2019. I agreed to setup a SmilePay account on my aligner treatment plan through "Healthcare Finance Direct". SDC partners with Healthcare Finance Direct (HFD) to administer my monthly payment plan of $88.68 for 12 months which started on October 1, 2019. The problem began when I reached out to HFD's customer service department and requested a due date change from the 1st to the 15th each month, they assured me the change was submitted and my auto payments would be debited from my account the next following month. I was being proactive and decided to make an extra payment to get ahead of my payment schedules. Since October of 2019, my due date has not been processed successfully. I called several times asking why it says my account is pass due, they responded saying "Just ignore it, its a system issue". Three months later on 1/29/20, HFD is fraudulently making unauthorized payments from my credit card. I've been double billed for services that I did not agree too. As of January 31, 2020, my due date is still not changed as promised by the company and I have not received a refund of the unauthorized double payment towards my Smilepay account. If I would have read the negative reviews about this company beforehand, I would have never used SmileDirect club as the company to correct my teeth. HFD does not make the Customer Experience a high priority for the clients who are seeking to pay off their balances. read more

They keep overdrafting our bank account! I called 4/20 to put off my bill til 4/30 and they played it yet they still took $62 and over drafted my account 4/22 which added a $35 late fee. This is the 2nd time now! read more

I Called in to get some info on my new account and I had the pleasure of speaking with Estella. She was so sweet and welcoming. She explained everything i needed to know and more! I wish every company had and Estella to talk to when they call in. It would make the world a better place. Thank you Estella! read more

While I admit, that I fell behind making payments on my Smile Direct Club due to my FSA card expiring, as I called to make payment arrangements advised under THEIR final notice email, I had 10 days before being sent to collections. I contacted them within a day of that notice and kept calling until the 6th day. They were not able to assist me and the account had already it to collections. My issue is not the collections piece, is the communications that were sent and the misinformation provided. read more

This is honestly one of the worst companies ive ever worked with. The whole staff in their call center is extremely rude and unprofessional, i once had a $60 late fee I talked to three different people and not one person could tell me where it came from. I told them that it was probably because I lost my wallet in June and had to get a replacement card. And then finally they found it. I called to get help not to do their job. On top of that i told them that i was in the middle of a move and that I didnt have much money and asked if i could have the fee waived due to the circumstance, or pushed back to the end of my payments and they said they could push it back to the end of my billing cycle but two days later ended up making an unauthorized charge to my account from your company of $170. I literally had only a few dollars to my name after this and couldnt even afford to buy myself or my dog food. I literally had to beg people for money so i could afford to eat, it was embarrassing. I am currently having another late fee issue and have been on hold for 2 hours when i was 12th in line to start with, after 2 hours i am currently 7th in line still. If it takes your companies call center to 2 hours to get through 5 customers you might need to start training your staff better or think about expanding your call center. This is ridiculous. I updated my billing info on the site and your system is so bad that it wouldnt even allow me to make a payment directly from my bank account. im sure due to your messed up billing system you guys will charge me another $60 dollar late fee and if ever get the chance to talk to an actual person to fix the problem they wont be able to help me out anyways. Please be better than this, this is insane. read more

Smile Direct Club's experience with Healthcare Finance Direct has been the worst. I purchased clear aligners from Smile Direct Club and scheduled 24 monthly payments, but after three months, I realized I could pay the bill in 18 months. The most recent was in October of 2021. After that, they debited my account in December 2021, after it had been fully paid, stating that it was a service cost for switching from 24 to 18 months. This was not stipulated in the contract they signed with me. I phoned customer service twice and received contradictory responses from both representatives. People that work with your money should be cautious. They deprive their customers of their money. read more

HFD has great financing. If you are looking for a bank that will give you honest service and good financing terms. I worked with Cheryl in Provider Support/Credit Department and she was very knowledgeable & helpful. I would recommend this bank for anyone looking for reasonable alternative financing. read more

I paid my bill manually the day it was due and was charged a $25 late fee because the auto payment attempted to use an old credit card. I don't see anywhere in the contract stating I have to make a payment by a specific time on the due date. I believe the time they said was at 12 a.m. I did not get a notice that my info needed to be updated until it was hours too late. How can I correct a problem if I am not made aware of it on time? I would understand if I was a day late, but I paid the bill the same day it was due! There's no leniency at all, and they would not waive it this one time...especially since I didn't know this was even part of the policy until now. They sent me an automated text saying "Your payment was declined, but don't worry we understand things happen". Guess not. read more

I would like to recognize Kandace Kranenburg for her great customer service. She is very kind and helpful. Not to mention that Healthcare finance direct is very patience, when I needed help with my payment they didn't hesitate to help! read more

Horrible customer service skills - called to update a payment - never been late, told them my card was confiscated still want to charge a late fee ; I needed to update the file left me on hold for about an hour only to be told a manager will eventually get back to me. read more

My phone conversation with Tammie was amazing! She was very knowledgeable and helpful about my cancellation process.

Honestly one of the best customer service experiences that I have had in forever. Caitlyn Guess was literally a doll ! She helped me get through the rest of this year by tending to a long ongoing confusion with overdue payments ! I'd like you to know that I am no longer in debt. IS THIS NOT EVERYONES DREAM ? Thank you all so much for your patience and assistance. read more

Awesome Service! Kind and Friendly Voices on the other end. Very helpful and reassuring in every way. I can imagine that being in this field of healthcare financing can be very stressful, but the experiences I had with Wendy and Cheryl have been nothing but stress-free... even when I was the one stressed out...they made my day. Wendy explained more about the application process that I wasn't aware of... Cheryl assisted me a few times both by phone and by email... They were, and ARE absolutely golden!!! I'm happy to be doing business with them. read more

Wendy Harrison was above and beyond gracious to help me through my process. You don't get great help like this anymore these days, efficient and proficient thank you very much. Guided me through when I was very confused and didn't lose her patience at all which is very much appreciated. read more

This company lies to there clients. They charge you fee's even after your debit has been paid off. If you need assistance with medical/dental/lasik I do not recommend this company. Use care credit instead. I have worked with both companies and Care credit is easy to work with, and never charged me any fee's (including no interest). read more

Careful they take extra money from your payment method on file I purchased tooth aligners via SmileDirectClub and they sent my monthly finance charges through this company. My initial payment of $250 was put on my credit card which was completed on April 19th. On that same day, I was told that all payments would be put onto this same card. I called smiledirectclub immediately and gave them my bank debit card, which they updated on my profile account through their website. On April 20th I received my contract from Healthcare Finance Direct which showed my correct payment (my debit card). Apparently they tried to take my payment from my initial credit card and it was declined so they charged me a $25 fee. I immediately called and they argued with me. They said, "we will have to verify with smiledirectclub that you updated your payment in order to refund you." I replied, "Clearly it was updated because YOU sent me a contract with the correct payment form on it." They didn't care, so I waited for them to do their "investigating" and called back 2 months later since I realized they hadn't refunded the charge. I spoke with a superviser who was completely unprofessional and absolutely foul. She said, "it is too bad, you signed a contract and you were late." I tried to remind her that my contract has the correct card and then she went as far as to say, "we sent you a new contract in May with the credit card and it was your reponsibility to take care of it." WHAT?!? I am confused. AGAIN, I signed the initial contract making the change to my debit card for all future monthly payments and received a copy via email so.....how did my old card (the initial payment) get back into the system?!? Umm...YOUR mistake. Luckily, Daniel, supervisor at smiledirectclub got the same unprofessional and foul response from this Healthcare FInance supervisor and he credited my account. So...I would love to do a fraud claim against this Healthcare Finance Direct. I wonder how many other clients have been scamed out of small debits that they may not have noticed. read more

The management team is excellent Liz is definitely a cut above the rest . I am very pleased with the service received .

I would give zero stars if I could. All the staff in incompetent. Customer service is probably the worst I've ever experienced from any company. They'll continue drawing money from your cards on file even after the account is cancelled and done. AVOID AT ALL COSTS read more

This company is incompetent with billing and payments. My card was on autopay and they didn't charge my card. I manually went in and made the payments and they tacked on 25.00 late fees for each one. I attempted to fight this and was told to produce my bank statements proving I had the funds in my account. I went to my bank and they provided me with my daily balance sheets for the payments in question- and they also verified that HFD NEVER attempted charges to the cards on the days they said they did ( why would my bank lie) so I uploaded them to the email as I was asked. I was then told that I needed to produce information from my bank that my debit card was connected to this account for them to waive the fees...seriously. So I updated my routing number and checking account with the representative in an attempt to make it easier for payments...you guessed it they never took the money out and charged me ANOTHER 25.00 fee. So I called and they told me I took too long calling and there was nothing they could do for me. I just emailed the BBB and spoke with someone regarding unethical business practices in my states AG's office. If you require autopay and a customer has everything set up and your payment system doesn't work how is that the customers fault. You should train your RUDE associates as well...the women I spoke with today was horrible and should not be allowed to deal with customers read more

I have been dealing with these guys since February 2020. They were paid in full in April and I told them I was cancelling my debit card. They refused to give me an address to pay the bill off in full. I finally went in a certified check which took a month to post. Since February they are continuing to try and run my cancelled debit card. When they don't get any money they charge me $25.00. They recently turned me over to collection. I will not pay for there stupid of using an obsolete card. I would never trust these guys with a health account. If I could give them a negative 10 rating I would. These guys are the slum of the earth. read more

This is ridiculous!!! I've tried everything to figure out why I'm getting charged by this company and can't! I'm so annoyed. I can't cancel this at all, no one is answering me and now I have a balance due!!! I'm a single mom and can't afford to pay any of this! read more

Be careful getting involved with these people, they will claim, that your card is expired and that they tried real hard to let you know about it, then sock you with late fees. Very dishonest. Just a friendly warning. read more

Just don't do it! They are impossible to deal with. Hours on the phone with basically no resolution. Whatever you need, find another way. The customer service is in costa rico and no one has any idea what they are doing. They require that you do automatic payments, then they automatic add fees and penalties. I spent two hours on the phone to make a simple change. Do yourself a favor and save yourself the aggravation! read more

This company has poor customer service and does not care to resolve their issue. I have been getting double charged each month and every time I call to see why it says I'm behind they tell me I'm not to disregard the error, but the system keeps charging me double claiming it's because I'm behind and now I'm behind on other bills and they will not do anything to rectify the situation. If anyone has a cooperate number or a place where I can escalate the situation please point me in the right direction because I pay all my bills on time and this I situation has me very upset and they say there's nothing they can do now. They don't deserve the one star. It's disappointing to read other reviews and others having the same excacty issue leaving me with no help. I don't want to stop payments as I don't want this to effect my credit score, but I'm running out of options.. read more