Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #18667482
Complaint Overview
Complaint ID: 18667482
Company: Patientfi, INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Charged fees or interest you didn't expect
State: California
ZIP Code: 961XX
Date Received: 2026-01-12T12:00:00-05:00
Date Sent to Company: 2026-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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, PatientFi 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. However, 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. I 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. The 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. Once 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. I 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 )
Frequently Asked Questions
What is Complaint #18667482 about?
Complaint #18667482 was filed against Patientfi, INC. regarding Payday loan, title loan, personal loan, or advance loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2026-01-12T12:00:00-05:00.
How did Patientfi, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Patientfi, INC.?
Yes, visit the Patientfi, INC. company profile at readthecomplaint.com/company/patientfi-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.