I secured a loan with an intro 0% I secured a loan with an intro 0% for 6 months. It started as an ACH direct payment from Day 1. A month before the expiration, I did a balance transfer. The account was paid in full and the ACH was stopped. It was reported as Closed, In Good Standing, Paid in Full. 3 months later, they now are reporting it as Past Due for $130 ($4 of alleged unpaid amounts). It caused me to drop 55 points on my credit. Now they want me to rescind this review or are challenging it. I have the proof that the account was closed. They stalked me with a collection team and reported my first late payment in 31 years. For a $4 balance. And by the way, before I initiated the balance transfer, PatientFi gave me a 10 day payoff (it was a medical installment loan so zero new charges) so after they received the full balance due, to then charge me interest of $4 then report that late? Take my advice I wish I’d never worked with them. Horrific

I made an assumption that my payoff… I made an assumption that my payoff balance would be the day I had my procedure. Come to find out, I was charged an interest rate 27.990% (based on documents,fair), however, I paid off the balance within 10 days (assuming the final payoff date was the date of the surgery). That amounted to ~$2,550 for the year, per what I was told. When I spoke with the agent, she said she’d submit a ticket to request the removal and that often times when people payoff the balance within 30 days of the payoff date, the interest rate is removed or refunded. I called to follow up and spoke with another agent after I was told I’d receive a call within 7-10 business days with a response (no one called me). They said I would get nothing in return and that it was rejected. No offer to refund at least 50% back or divide what the interest would have accrued in 10 days, nothing! After asking for a manager (because this was unacceptable. It’s taking advantage of customers), the agent came back and said he’d submit another ticket (taking another 7-10 bus days). I asked what difference would this ticket make from the first and why couldn’t I speak with a manager. He said they basically would dispute it and try again. Which was not helpful. I made an honest mistake of miscalculating the payoff date was the date of my procedure, by 10 days. No offer to adjust the interest amount, at all!! I will never use or recommend this company again for future procedures. And be sure to let anyone I know to avoid this company who doesn’t treat customers fairly, understanding the situation.

The worst Customer Service & they have… The worst Customer Service & they have no Dispute process to assist on Fraud transactions.

They gave a credit limit of $2,500 They gave a credit limit of $2,500. It is not worth the trouble to fill out the forms.

After almost 2 years of paying my bill… After almost 2 years of paying my bill on time and never missed a payment . I decided to pay remaining balance in full one big slump . when ahead and waited until they cleared the money from my bank account , then when over to Experian disputed and requested an update and they when ahead and put , that the balance still remains the same , I will no longer ever be doing business with this company again.