The QC Kinetix lawsuit landscape consists of two federal class actions against QC Franchise Group, the parent company of the regenerative medicine franchise chain. The first, filed in Illinois in November 2023, ended in a private settlement in May 2025. The second, filed in Florida in March 2026, is active. Both allege that QC Kinetix falsely markets stem cell and non-surgical treatments as FDA-approved alternatives to surgery and steers patients into high-interest financing they were told would be low- or zero-interest.
The Active Florida Class Action
Estrada v. QC Franchise Group, LLC, et al. was filed on March 23, 2026, in the U.S. District Court for the Southern District of Florida (Case No. 1:26-cv-21895) and assigned to Judge Darrin P. Gayles.1PACER Monitor. Estrada v. QC Franchise Group, LLC et al Lead plaintiff Sergio Estrada is an 87-year-old Miami-Dade County resident.2ALM. Class Action Complaint, Estrada v. QC Franchise Group et al The Miami firm Kozyak Tropin & Throckmorton represents him.3Kozyak Tropin & Throckmorton. QC Kinetix
Three defendants are named: QC Franchise Group, LLC; Regencare 1142, LLC (which operates as QC Kinetix Doral); and Med-Den Funding, LLC (doing business as Proceed Finance).3Kozyak Tropin & Throckmorton. QC Kinetix
The complaint brings two claims — violations of the Florida Deceptive and Unfair Trade Practices Act (FDUTPA) and unjust enrichment — and organizes its factual allegations around three themes:3Kozyak Tropin & Throckmorton. QC Kinetix
- QC Kinetix markets its non-surgical and stem cell treatments as scientifically validated, FDA-approved alternatives to surgery when, according to the complaint, they are neither.
- The defendants failed to include the disclosure required by Florida Statute § 458.3245(5), which requires physicians performing stem cell therapy to notify consumers that the treatments have not been approved by the FDA.4Florida Legislature. Florida Statute § 458.3245
- Patients were promised “0% interest” and “$100 per month” plans that turned out to be unavailable, and were instead enrolled in loans through Med-Den Funding carrying interest rates of 9.99% or higher.
The proposed class covers everyone who purchased non-surgical regeneration or stem cell treatments from any QC Kinetix clinic in Florida after March 2022.3Kozyak Tropin & Throckmorton. QC Kinetix
As of late May 2026, the case is in its early stages. On May 21, 2026, Regencare 1142 filed a joint motion to compel arbitration and stay proceedings, or alternatively to dismiss the complaint, and Med-Den Funding filed a separate motion to compel arbitration and stay proceedings the same day. The court has not ruled on class certification or any substantive motions.5Justia. Estrada v. QC Franchise Group, LLC et al
The Financing Structure at the Center of Both Cases
Both lawsuits describe the same mechanism. Patients are offered financing through third-party lenders — Security First Bank and Med-Den Funding (doing business as Proceed Finance) in the Illinois filings — to cover treatments that can run into the tens of thousands of dollars. Court filings in the Illinois case describe one patient who took out a $20,000 loan to cover five treatment sessions.6Regenexx. QC Kinetix Goes From Mastering the Upsell to Reducing Costs
The loan documents, according to those filings, required that any cancellation be initiated through the medical provider, with the provider holding sole authority to decide whether to honor a refund. That structure, plaintiffs allege, cuts patients off from any recourse against the lender itself.6Regenexx. QC Kinetix Goes From Mastering the Upsell to Reducing Costs The Illinois complaint also alleged that the defendants failed to provide the loan cancellation procedure notices required by the Federal Trade Commission.7Top Class Actions. QC Kinetix Class Action Alleges Company Makes False Misleading Statements About Treatments
Better Business Bureau complaints describe how this plays out in practice: consumers seeking refunds or trying to cancel are redirected by the clinic to the financing company, which responds that it has already paid the clinic in full.8BBB. QC Kinetix BBB Complaints
The Earlier Illinois Case and Its Settlement
Robertson v. QC Franchise Group LLC d/b/a QC Kinetix, et al. was filed in November 2023 by lead plaintiff Dawn Robertson in the U.S. District Court for the Central District of Illinois (Case No. 3:23-cv-03333-CRL-KLM).7Top Class Actions. QC Kinetix Class Action Alleges Company Makes False Misleading Statements About Treatments It named four defendants: QC Franchise Group, Regenerative Health of Champaign, Med-Den Funding, and Security First Bank.
Robertson alleged the defendants worked together to promote treatments without disclosing that they lacked FDA approval, pressured patients into expensive financing, and stripped consumers of legal recourse against the financing entities.7Top Class Actions. QC Kinetix Class Action Alleges Company Makes False Misleading Statements About Treatments She was represented by Daniel A. Edelman, Tara L. Goodwin, and Dulijaza (Julie) Clark of Edelman, Combs, Latturner and Goodwin LLC.
In February 2024, the plaintiff filed a notice of settlement with co-defendant Med-Den Funding and asked the court to stay deadlines.9CourtListener. Robertson v. QC Franchise Group LLC The full case was dismissed on May 28, 2025, after the parties reached a private settlement. The terms were not publicly disclosed. Robertson permanently dropped her individual claims, but the dismissal did not bar other potential class members from pursuing their own actions.7Top Class Actions. QC Kinetix Class Action Alleges Company Makes False Misleading Statements About Treatments The Florida case now underway is one such action.
What the FDA and Florida Law Actually Say
The lawsuits’ central marketing claim — that QC Kinetix presents its treatments as FDA-approved alternatives to surgery — runs into a specific regulatory reality. The FDA has stated that no stem cell products are approved for orthopedic conditions such as osteoarthritis, tendonitis, or joint pain. The only FDA-approved stem cell products are blood-forming stem cells derived from umbilical cord blood, approved exclusively for disorders of the blood-forming system. The agency has warned that many regenerative medicine products on the market are illegally marketed and have not been shown to be safe or effective.10FDA. Consumer Alert on Regenerative Medicine Products Including Stem Cells and Exosomes
Among the products QC Kinetix reportedly offers, Platelet-Rich Plasma (PRP) and unmodified bone marrow products used for orthopedic conditions are generally considered FDA-compliant. Adipose cells, perinatal products, and exosomes are classified as drugs by the FDA and require an Investigational New Drug application for clinical use. There is no public evidence that QC Kinetix holds an IND or a Biologics License Application, and the chain has no active clinical trials registered on ClinicalTrials.gov.11The Niche Scientist. QC Kinetix Review: Concerns on Huge Regenerative Clinic Chain There is also no public evidence that the FDA has taken enforcement action specifically against QC Kinetix.
Florida imposes an additional obligation. Under Florida Statute § 458.3245(5), a physician performing stem cell therapy must include a conspicuous notice in advertisements stating: “This physician performs one or more stem cell therapies that have not yet been approved by the United States Food and Drug Administration. You are encouraged to consult with your primary care provider before undergoing any stem cell therapy.”4Florida Legislature. Florida Statute § 458.3245 The Estrada complaint alleges that QC Kinetix omitted this required disclosure.
Consumer Complaints and Clinic Closures
QC Kinetix is not accredited by the Better Business Bureau and holds a 2.06 out of 5 star rating on customer reviews.12BBB. QC Kinetix BBB Customer Reviews The BBB profile lists 12 complaints over the past three years, six of them unanswered by the company.8BBB. QC Kinetix BBB Complaints Recurring themes include treatments that provided no pain relief or made conditions worse, costs from $6,000 to over $17,000, difficulty obtaining refunds, and high-pressure sales during initial consultations. Some patients said staff wrote fake positive reviews on their behalf; others said no diagnostic imaging was performed before treatment was recommended.
A separate pattern involves franchise locations closing without warning while patients still have unfinished treatments and outstanding loan balances. A Jacksonville patient reported arriving for a scheduled visit to find the clinic’s doors locked. A central Florida patient said their clinic closed about six months after initial treatment, leaving a paid-for follow-up injection undelivered.11The Niche Scientist. QC Kinetix Review: Concerns on Huge Regenerative Clinic Chain Customers who called the corporate office reported receiving no return calls.
The closures are consistent with broader contraction. QC Kinetix ended 2023 with 184 units and 2024 with 167, a net loss of 17 locations. CEO Mark Montini told Franchise Times that 30 to 40 locations had ceased operations by mid-2024, roughly half strategic closures agreed upon with owners and the other half clinics that could no longer sustain themselves financially.13Franchise Times. Regenerative Medicine Franchise QC Kinetix Stages Comeback After Backslide
If You Were a QC Kinetix Patient
If you purchased non-surgical regeneration or stem cell treatments from a QC Kinetix clinic in Florida after March 2022, you fall within the proposed class definition in the Estrada case. The court has not yet certified the class, and the defendants are pushing to send the dispute to arbitration instead. Patients outside Florida are not covered by the Florida complaint, and the Illinois settlement in Robertson resolved only her individual claims — other consumers remain free to file their own actions.