Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

On XXXX XX/XX/year>, I visited XXXX XXXX XXXX seeking services for XXXX XXXX. At the time, I was covered by XXXX XXXX for XXXX XXXX. I found this dentist through XXXX XXXX network listed online. 
When I arrived at this original appointment, I filled out medical history paperwork. At the start of my appointment, I informed the front office workers that my insurance coverage was through XXXX XXXX and that I was looking for new XXXX XXXX 
I was led back to the examination room by the receptionist. When the dentist, XXXX XXXX XXXX, arrived, I told dentist that I was interested in XXXX. The dentist then took XXXX XXXX XXXX XXXX XXXX XXXX XXXX When the X-rays and mold were finished, the dentist informed me about a cost of {$2800.00} but did not explain to me for what. I was not told what insurance would be covering and what my costs would be for the services. At some point during the appointment, I was asked to initial some paperwork but this paperwork was never explained to me, I did not know what it was for, and I was not provided a copy. At the time, I assumed the paperwork was to be able to use my insurance to cover the cost of the procedure. I was not given time to look over the paperwork. 
Once the XXXX XXXX XXXX XXXX XXXX, I was told to go to the front desk and give the receptionist my insurance card. The receptionist told me that she was going to set up an account for me but it was not explained to me what the account was for. No follow up appointment was scheduled and I never received XXXX from XXXX XXXX XXXX. I was not given a copy of any paperwork from the appointment. 
On or around XX/XX/year>, I received the first bill regarding the SmileGeneration Comenity credit card via mail. On the bill, the explanation for the charge was not stated. There was no itemization. The bill stated I owed around {$2800.00}. I did not knowingly sign up for a SmileGeneration Comenity credit card nor was it explained to me that I was being signed up for a SmileGeneration Comenity credit card for the dental services. I never gave any authorization to the dental office or dentist to sign me up for the credit card. 
I contacted SmileGeneration over 10 times to dispute the debt via phone, however I never received a resolution to the dispute. Each time I spoke with a person at SmileGeneration Comenity, I informed them about the issues surrounding the SmileGeneration Comenity credit card and they continually told me they would forward my complaints, however I never received responses to my disputes. I then called XXXX XXXX to dispute the debt with them, and XXXX XXXX informed me that I should not have been charged more than {$650.00} for the full dentures procedure. 
To this date, I have never received dentures from XXXX XXXX XXXX. I am still being charged roughly {$3100.00} to the SmileGeneration Comenity credit card for services that should have been covered by my insurance and for services I did not receive. The debt was sold to XXXX XXXX XXXX and now XXXX is aggressively collecting on this debt. The debt is continuing to grow due to added interest