QC Kinetix Lawsuit: Florida Class Action, Financing Claims, and Who Qualifies

QC Kinetix is a franchise network of regenerative medicine clinics, based in Charlotte and founded in 2017, that markets injections for joint and back pain under the trademarked tagline "Non-Surgical Regeneration." The treatments typically involve platelet-rich plasma (PRP), bone marrow concentrate, or other biologic products, and patients generally pay out of pocket.

Estrada v. QC Franchise Group (Florida, 2026)

The newest case was filed in March 2026 in the Southern District of Florida by Kozyak Tropin & Throckmorton. It names QC Franchise Group, LLC; Regencare 1142, LLC, which does business as QC Kinetix Doral; and Med-Den Funding, LLC, which does business as Proceed Finance. According to the firm's case summary, the complaint alleges:

• QC Kinetix marketed its injections as scientifically validated, FDA-approved alternatives to surgery when they are neither.
• Its Florida advertisements left out the notice Florida law requires for stem cell therapies that are not FDA approved.
• Patients faced a high-pressure sales process and were rushed through electronic signatures.
• Ads promoted "0% interest" and "$100 per month" plans that were not actually available, and patients instead got loans at annual percentage rates of 9.99% or higher.

The claims are under the Florida Deceptive and Unfair Trade Practices Act and unjust enrichment. The complaint seeks actual damages (the difference between the value promised and the value delivered), a court declaration, an order requiring the statutory notice in future ads, and restitution.

Robertson v. QC Franchise Group (Illinois, 2023)

An earlier suit, Robertson v. QC Franchise Group LLC et al., No. 3:23-cv-03333, was filed on November 16, 2023, in the U.S. District Court for the Central District of Illinois. It named QC Franchise Group, a local clinic, Med-Den Funding, and Security First Bank, and alleged that patients were pressured into expensive treatment packages financed on the spot without being told the treatments were not FDA approved. QC Franchise Group moved to dismiss in January 2024. Case trackers report the case was dismissed in 2025 after the parties resolved it privately; the terms were not made public in any court record we could open.

These are allegations. QC Kinetix has not been found liable in any of these cases.

The FDA approval question is central to the lawsuits, so it helps to know what the agency actually says. The FDA's patient page on regenerative medicine warns about broad marketing of unapproved products, whether taken from your own body or someone else's, including stem cells, fat-derived cells, cord blood, amniotic fluid, Wharton's jelly, ortho-biologics, and exosomes. It says it has received reports of blindness, tumor formation, and infections tied to unapproved products.

The FDA states that regenerative medicine therapies have not been approved for the treatment of any orthopedic condition, such as osteoarthritis, tendonitis, disc disease, back pain, hip pain, knee pain, neck pain, or shoulder pain. Those are the conditions clinics like QC Kinetix advertise to treat.

That does not make every clinic procedure illegal. Doctors can use some of a patient's own minimally processed tissue, like PRP, under narrower rules, and Florida passed a 2025 law allowing physicians to offer certain non-FDA-approved stem cell therapies for orthopedics, wound care, and pain management, as long as they meet strict sourcing, advertising, and consent rules. The Estrada complaint's point is that QC Kinetix did not follow those advertising rules.

The FTC has also acted against stem cell marketing generally. In January 2025 it announced orders banning the co-founders of the Stem Cell Institute of America, an unrelated company, from marketing stem cell treatments and requiring them to pay more than $5.1 million in refunds and penalties.

As of September 2026, Estrada v. QC Franchise Group is at an early stage in the Southern District of Florida. The proposed class is all persons who bought non-surgical regeneration or stem cell treatments from any QC Kinetix clinic in Florida after March 2022. No court has certified the class, and no settlement has been announced, so there is no claim form or settlement website.

A proposed class action becomes a real one only through class certification, where the judge decides whether patients' claims are similar enough to try together. Defendants in cases like this usually argue that each patient's sales conversation and loan were different, and that arbitration clauses in financing agreements require individual claims. Whether the Estrada class survives those arguments will decide whether most Florida patients get relief through this case.

The Robertson case in Illinois did not produce a class-wide result. Because QC Kinetix is a franchise system, clinics in other states are separately owned, which can affect who is responsible for what a particular clinic told patients. For how these steps work, see what class certification is and how long class actions take.

You are most likely covered by the proposed Estrada class if all of these are true:

• You bought treatment at a QC Kinetix clinic in Florida.
• The purchase was after March 2022, the start of the proposed class period.
• The treatment was marketed as non-surgical regeneration or stem cell therapy.

You have a stronger individual story if you can show you were promised 0% financing or a low monthly payment but got a loan at a higher rate, or if you were never told the treatment lacked FDA approval.

Outside Florida, the Estrada case does not cover you, but similar facts can support claims under your own state's consumer protection law or lending laws. People who financed through a lender also have rights against the lender in some cases, discussed below.

You are less likely to have a claim if you received clear written disclosures, paid a price you understood, and simply did not get the result you hoped for. A treatment not working is not, by itself, a legal claim. If you are unsure, a free case review can help you learn whether independent attorneys see a claim.

There is no settlement, so no one can say what patients might receive. The Estrada complaint asks for actual damages measured as the difference between what the treatment was promised to be worth and what it was worth, plus restitution of money the defendants were unjustly enriched by. The proposed Estrada class reaches back to March 2022, so a Florida patient who paid for treatment any time in the more than four years since could be included if the class is certified.

Possible forms of relief in cases like this:

• Refunds or restitution of amounts paid for treatment.
• Loan relief, such as cancelled balances, reduced interest, or refunds of interest paid.
• Attorneys' fees and costs, which the Estrada complaint requests as allowed by law.
• Injunctive relief, such as requiring the statutory FDA notice in future ads, which helps future patients but pays nothing.

Class action recoveries are often much smaller than the full amounts people paid, after fees and costs, and depend on how many people file. See how class action money is divided.

Three sets of rules do most of the work in these cases.

Florida's stem cell advertising law

Florida Statute 458.3245, enacted in 2025, lets physicians offer certain stem cell therapies that the FDA has not approved, but only with conditions. Under section 458.3245(5), every advertisement must include a notice that the physician performs stem cell therapies not yet approved by the FDA, printed in type no smaller than the largest type used in the ad. Patients must also sign a consent form stating the therapy is not FDA approved and listing its risks and alternatives. The Estrada complaint argues that breaking this rule is automatically a deceptive practice under FDUTPA.

State consumer protection laws

Every state bans unfair and deceptive business practices. Claims that a treatment was marketed as FDA approved, or as a proven alternative to surgery, fall under these laws.

The FTC Holder Rule

When a seller arranges financing for a consumer, federal rules require the loan contract to carry the FTC's Holder notice. Under 16 C.F.R. 433.2, the notice says any holder of the consumer credit contract is subject to all claims and defenses the borrower could assert against the seller, with recovery capped at the amounts paid under the contract. That can let patients raise their complaints about the clinic against the lender, which matters if a franchise clinic has closed.

1. Gather your paperwork: treatment agreement, consent forms, loan contract, and all payment records.
2. Save the ads. Screenshot any QC Kinetix ad, email, or mailer you can still find, especially financing offers.
3. Check your loan. Look for the FTC Holder notice and the APR. Keep paying unless an attorney advises otherwise; missed payments can hurt your credit.
4. Write down what you were told about FDA approval, expected results, and how quickly you had to decide.
5. Consider complaints. You can report deceptive health marketing to the FTC and your state attorney general, and lending problems to the CFPB. Complaints do not replace a lawsuit but create a record.
6. Do not sign a release or accept a partial refund that waives your rights without advice.

If your local clinic has closed or changed hands, your claims do not disappear. The franchisor, QC Franchise Group, is a named defendant in both lawsuits, and the lender that holds your loan may be answerable under the Holder notice. Keep a copy of every document now, because patient portals and clinic email accounts can vanish when a franchise location shuts down. If you file a complaint with a regulator, save the confirmation, since it helps show when you first raised the problem. And if you are still being pressed to buy more treatments, you are free to take the paperwork home and read it before signing anything.

A free case review takes about two minutes. You can also read how to join a class action or browse other lawsuits you may be able to join, like cases over supplement mislabeling.