Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Complaint Dental Provider in XXXX Refusing to Complete Paid Services and Committing Fraudulent Misrepresentation Dear CFPB Representative, I am submitting this formal complaint to report serious unethical and fraudulent practices by a XXXX XXXX located in XXXX, where I underwent an XXXX XXXX  XXXX XXXX. I paid {$25000.00} USD upfront for XXXX XXXX, including XXXX XXXX XXXX XXXX XXXX, and what followed was not only financial exploitation, but also medical misconduct, XXXX XXXX, and now a situation requiring urgent U.S. intervention. 



Background of Payment and Services In XX/XX/XXXX ], I paid in full for a complete XXXXXXXX XXXX XXXX. This included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As of today, I have not received my XXXX XXXX, and the XXXX  is refusing to release it unless I pay additional charges unrelated to the original service including : {$2500.00} USD for a XXXX XXXX XXXX {$1500.00} USD for a new XXXX they claim I owe for I have submitted text message evidence clearly showing that : The XXXXl XXXX  is refusing to provide my XXXX XXXX Their staff admits the treatment is incomplete They acknowledge the situation has been mishandled XXXX XXXX XXXX & Suspicious Behavior When my original XXXX XXXX broke the first time, I was told by the XXXX  to come to XXXX immediately, or else the damage could affect the XXXX. I drove down the very next day to address the issue. Upon arrival, things became suspicious. The staff began speaking in XXXX amongst themselves. At first, they told me the XXXX  would be replaced, but shortly after, the XXXX  suddenly claimed, your XXXX  has failed. 

When I questioned him and expressed my concern, he appeared nervous and suddenly offered to try tightening the XXXX. I agreed. Under local XXXX, he pretended to inspect the area and without warning, unscrewed and removed the XXXX. I did not realize this until he said see, it failed. I was in disbelief. I knew in that moment something was wrong. 

He immediately said I would need to pay {$1500.00} for a new XXXX. I told him I didnt have the money and expressed deep concern over the unexpected failure. I began XXXX  XXXX, overwhelmed with XXXX  and XXXX. His staff began pressuring me, saying they could not proceed with a new XXXX XXXX unless I agreed to pay for the new XXXX. 

As my XXXX  worsened, I stepped outside to breathe, XXXX  the entire time. When I returned, they handed me a pill and water, claiming it would relieve the XXXX XXXX I was experiencing due to XXXX. I felt XXXX, being in a XXXX XXXX alone, so I complied. 

About XXXX minutes later, they had me lie down again and placed a black cloth over my face, exposing only my mouth. I laid there XXXX  and XXXX  as they began drilling. Without clear consent or explanation, they placed a XXXX XXXX. Afterwards, I was led to the waiting area where the assistant handed me a {$1500.00} bill, saying I could pay in payments but needed to sign immediately which I did under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Continued Negligence Before I left, they told me to return before the end of XXXX to receive my XXXX XXXX, and they took impressions to send me night guards, since XXXX  was a concern and could damage the temporary again. 

I never received the night guards, despite multiple requests. As a result, my second XXXX XXXX has now broken again, leading to a XXXX  XXXX and further XXXX  failure. 

Despite everything, I even offered to pay the balance they claim I owe in person at the XXXX, because I no longer trusted them with remote payments after what I experienced. I made it clear I just wanted to get my XXXX XXXX and complete the process with accountability. 

Instead of accepting this good-faith offer, they refused to schedule an in-person appointment and demanded that I pay over the phone or electronically first. As a result, they are now holding my XXXX XXXX  XXXX and denying me access to something I already paid {$25000.00} for. 

Their refusal to release the XXXX, provide a proper follow-up appointment, or send the night guards they promised has directly led to my XXXX XXXX XXXX breaking again. This is not only XXXX  and XXXX XXXX XXXX XXXX, but it also proves they are operating dishonestly and irresponsibly. What began with XXXX XXXX XXXX has now escalated into a clear pattern of neglect, fraud, and manipulation. 



Fraud in Credit Card Dispute When I filed a chargeback dispute with my credit card provider ( Wells Fargo ), the XXXX XXXX submitted false and misleading documentation to support their case. They included a photo of me taken after XXXX, but falsely labeled the date as XX/XX/XXXX even though my XXXX was performed on XX/XX/XXXX. This false dating was an intentional misrepresentation, used to make it seem like the XXXX  work was completed on a day it hadnt even begun. 

Furthermore, they submitted that image to mislead Wells Fargo into believing the work was finished. In reality, the photo shows me wearing a XXXX XXXX, not the XXXX  one I paid {$25000.00} for and never received. 

They also made me sign documents before the XXXX, and I now believe they are misusing those forms as evidence of completion when in fact, my treatment remains unfinished, and I have text messages from the XXXX  acknowledging as much. 

These actions submitting falsified documentation and misrepresenting treatment status constitute fraud and deception, and I have date-stamped proof to support this. 



Name and Pattern of Misconduct The XXXX  provider is XXXX XXXX XXXX Website : XXXX Location : XXXX XXXX, XXXX, XXXX Multiple review sites reveal similar complaints : XXXX XXXX ( XXXX ) : This place is a rip off.. I was there XXXX  times from XXXX and they still have not put in my XXXX  Do not give them full payment as they will take the money and run leaving you XXXX. 
XXXX XXXX ( XXXX ) : When I came back again now for the XXXX time it was the same exact mouth guard simply repaired horrible unorganized office staff only want your money. 
XXXX XXXX ( XXXX ) : One of the worst experiences of my life price jump to {$17000.00} fraudulent charges They inserted XXXX  without medication this is the biggest rip-off agencywould never return. 

This is not an isolated incident this is a pattern of unfinished work, unauthorized charges, and deception. I am one of many victims. 



Request for CFPB Action I respectfully ask the CFPB to : XXXX. Investigate this XXXX XXXX for : Fraudulent business practices XXXX misconduct and negligence Misrepresentation during financial disputes XXXX. Assist in reopening my credit card chargeback dispute, ensuring my supporting evidence is considered. 
XXXX. Help protect other XXXX citizens from being similarly scammed and medically endangered by this provider. 



Attachments I am including the following documentation to support this complaint : Payment receipts Screenshots of text messages with the XXXX  Photos of the XXXX XXXX XXXXXXXX and treatment Screenshot evidence of the false credit card dispute submission Timeline of all communication and treatment This has been a XXXX XXXX XXXX XXXX and financially devastating experience. I sincerely ask for your urgent attention and assistance so this never happens to another person seeking affordable XXXX  care abroad. 

Thank you for your time and commitment to protecting consumers. 

Sincerely, XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief