Lawsuit: QC Kinetix Illegally Fails to Disclose Lack of FDA Approval of ‘Worthless’ Stem Cell, Regenerative Treatments in Florida

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A proposed class action lawsuit claims that Florida QC Kinetix clinics lure elderly and “desperate” consumers by deceptively touting purported “miracle” pain treatment cures and “lucrative” financing options while intentionally failing to disclose both the experimental nature of the stem cell injections and that they have not been approved by the FDA.

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The 55-page lawsuit alleges franchisor QC Franchise Group and its Florida franchisees, such as defendant QC Kinetix Doral, have engaged in a predatory scheme whereby they subject prospective patients to a “high-velocity sales pitch” designed to induce them into signing on to receive “alternative” chronic pain treatments before they can “scrutinize the product or the price.” The “primary engine” of the apparent scheme, the complaint alleges, is QC Kinetix’s intentional failure to disclose in advertising any details concerning “the legality or effectiveness” of the stem cell injections, or that the treatments have not been approved by the U.S. Food and Drug Administration for pain management.

According to the suit, Florida law mandates that any advertisement for therapies such as those offered by QC Kinetix must disclose their lack of FDA approval. The filing says that the purposeful omission of the lack of FDA approval renders QC Kinetix’s services “misleading, legally misbranded, and worthless at the point of sale.”

Further, the class action suit alleges QC Kinetix effectively pulls a bait-and-switch on consumers by promising “0% interest” and payment plans “as low as $100 per month” before co-defendant Med-Den Funding “flips the script” once patients are inside the clinic and committed to the unapproved procedure. According to the filing, the loans provided by Med-Den often come with interest rates in excess of 9.99 percent and additional fees, and the defendants together “conceal these discrepancies” by rushing patients through a “click-wrap application” while failing to make basic loan application disclosures.

Broadly, the class action lawsuit accuses QC Franchise Group and its QC Kinetix franchises in Florida of utilizing a “turnkey” clinic model backed by non-medical investors to sell unproven stem cell therapies to vulnerable elderly and disabled consumers, systematically “prioritiz[ing] profits over patients,” with ads that exploit consumers’ fear of invasive surgery.

Per the case, the plaintiff, an 87-year-old Florida resident with chronic knee pain, was influenced to obtain treatment at QC Kinetix Doral through the clinic’s overstated advertisements and claims. According to the complaint, prospective patients like the plaintiff are drawn in with claims that the treatment available at QC Kinetix is a nonsurgical, regenerative medicine with minimal downtime, with ads that utilize iconography of doctors in white coats, anatomical diagrams, and robust medical jargon. These ad claims are accompanied by the promise that procedures are affordable, easily financeable with pricing as low as $100 per month, zero interest through the first year and might even have a sticker sale with a certain dollar amount off depending on the season, the suit adds.

In reality, the lawsuit says, the treatments offered by QC Kinetix—stem cell procedures that involve injections of Platelet Rich Plasma (PRP) and Bone Marrow Concentrate—are not approved by the FDA. The filing contends that the omission of the lack of FDA approval is a matter of “public safety” according to Florida legislation and the Federal Trade Commission (FTC).

In 2025, the Florida Legislature enacted Chapter 2025-185, which explicitly covers the marketing of stem cell therapy and requires that providers include notice that the FDA has not approved this form of treatment. Similarly, the FTC, after securing a victory in Federal Trade Commission v. Peyroux in 2024, established that the marketing of stem cell therapy as “comparable or superior to surgery” is misleading, per the case.

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According to the lawsuit, QC Kinetix patients who cannot pay out of pocket are forced into predatory loans, often without warning or disclosure, financed by Med-Den. Typically, patients receiving treatment must sign up for multiple sessions, costing thousands of dollars, and practitioners pressure patients to complete financing applications on the spot, the case claims.

The suit alleges that the QC Kinetix clinics receive some form of financial benefit after facilitating a loan payment plan with Med-Den, regardless of how feasible it is for the patient to actually make payments, and the company protects itself from risk through revolving lines of credit that absorb inevitable future costs and leave patients with a “long-term loan obligation” to the financer.

This was largely the experience of the plaintiff, who received treatment from the QC Kinetix Doral clinic in August 2025, the filing says. The lawsuit relays that the plaintiff was forced to use technology he was unfamiliar with to consent to treatment and financing, had a Gmail account made for him by the staff, and was presented with documentation for treatment plans and financing in English, when he only spoke Spanish.

Instead, the plaintiff was spoken to in Spanish but was never informed that a loan was being opened on his behalf, and the staff merely instructed the man to sign at the bottom of the page without any mention of what he was consenting to, the complaint contends.

“Despite knowing that Plaintiff Estrada lived on a poverty-level fixed income of just $1,250 per month, the QC Defendants and Med-Den Funding approved a $9,000 loan— representing 60% of his annual income—with a monthly payment of $166.69,” the lawsuit reads.

According to the plaintiff, the injections did not alleviate his knee pain.

The case claims that the experience of the plaintiff is akin to that of thousands of consumers who have received treatment at the clinics, given that QC Franchise Group maintains a strict control over “every material aspect” of its clinics, including treatment materials, pricing and what the clinics are allowed to say to the public.

The QC Kinetix class action lawsuit looks to represent all consumers who purchased regenerative or stem cell medical services from a QC Kinetix clinic located in Florida, whether operated by the QC Franchise Group or its franchisees or affiliates, during the applicable statute of limitations period.

The suit also looks to represent all members of this Florida class who entered a loan, line of credit or other financing agreement that was brokered through or administered by Med-Den Funding, operating as Proceed Finance, or through its affiliates and partner banks, to pay for regenerative or stem cell treatment.

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