Consumer complaint received 2019-03-11
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX I went to have some XXXX  work done at XXXX XXXX here in XXXX  al. and I am insured with XXXX XXXX XXXX and I am on a dual complete plan and this company has a contract my other insurance company. and when I became a member of XXXX XXXX XXXX in XX/XX/XXXX everything was all good. and when I had started using my XXXX benefits I had a {$2500.00} XXXX dollar XXXX coverage with XXXX XXXX XXXX and I had transportation with XXXX XXXX XXXX at that time I had 20 one way trips there and back in which that was not enough trips .because I needed to see the doctor more than 20 times. but when my XXXX  plan kicked in. I went to XXXX XXXX in XXXX and I am thinking that I am thinking in my mind that I am fixing to have my whole mouth fixed and I already had one of my teeth missing at the top .he pulled the one up under that tooth that was missing at the top and charged XXXX XXXX XXXX XXXX department {$100.00}. and some change for messing up my mouth. and then I started to develop XXXX in each side of my mouth and it was very painful. I summited a complaint with XXXX XXXX XXXX and they told me that they take my concerns seriously. but I just can't tell that they do. now when I had XXXX work done at XXXX XXXX here in XXXX al. I did not know or I was not informed that the XXXX that removed all of my teeth was not in the network with XXXX XXXX XXXX. but when I had asked XXXX XXXX were in the network with XXXX XXXX XXXX. the lady told me that they were. and XXXX XXXX maxed out my XXXX  insurance {$2500.00} and XXXX XXXX tried to have me financed through in which I told them that I wanted to stick with my XXXX insurance company which is XXXX XXXX XXXX. I should have been informed about they were going to have me financed through a bank I never heard of and never dealt with in my life. now by me being mislead about the XXXX services and everything and did not inform me that the dentist that did the work was not in net work with XXXX XXXX XXXX. a bank sent me a letter on the date XX/XX/XXXX XXXX from XXXX oh XXXX due to XXXX XXXX. XXXX XXXX thank you for your recent application for ( n ) XXXX first financing credit account. XXXX XXXX XXXX   issues all XXXX  first credit accounts. and we handle any account- related matters. because of the information in your credit report we are unable to approve your application at this time. here are some reasons for declining your request : delinquent past or present credit obligations with others limited credit experience number of recent inquires on credit report unable to verify credit history. and I spoke with a lady of this bank and gave her my social and she could not find any account in my name. now I was told by my insurance did not pay XXXX XXXX for the services but this document that is dated on XX/XX/XXXX there is my name member id number and the insurance company which I deal with is XXXX XXXX XXXX the provider was XXXX XXXX XXXX authorization # XXXX the determine date is XX/XX/XXXX expiration date is XX/XX/XXXX I was told that the services that was render to me my insurance XXXX XXXX XXXX did not pay but this document that I have states other wise. the services was approved and XXXX XXXX was paid and after XXXX XXXX maxed out my XXXX  coverage of {$2500.00} if my insurance did not pay this why do I have to pay for services that my insurance is supposed to pay and why am I being billed for the services that is supposed to be wrote off and XXXX XXXX  told my insurance company that I did not owe anything but I am stilled being billed from XXXX XXXX. the questions is if XXXX XXXX XXXX XXXX department did not pay XXXX XXXX  where did the insurance money go and if XXXX XXXX XXXX did pay XXXX XXXX I needed for them at XXXX XXXX to be honest with me instead of misleading me into believing that everything is well taking care of and it really is no.

Company response to consumer: Closed with explanation