Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I visited XXXX XXXX XXXX in XXXXXXXX XXXX for my annual cleaning covered under my XXXX XXXX insurance plan. The exact date of the visit is XX/XX/XXXX. 

During my visit, the dental staff discussed what cleaning I need and discussed payment options. They informed me that I needed a XXXX treatment that would require deeper cleaning. I expressed that I wanted to consider it and discuss it with my husband first and did not consent to receiving that treatment during the appointment. Despite this, the staff proceeded to obtain my insurance information and asked me to sign for the cleaning treatment only. At no time was I presented with or did I sign any written document or consent form that mentioned the XXXX treatment or a credit card agreement. 

Later, I was shown a bill totaling approximately {$1000.00} for the XXXX treatment and was informed that additional treatments would be required. This was alarming, as I had explicitly declined the treatment during my visit and was never informed that the XXXX cleaning had apparently already been performed during my cleaning without my knowledge or consent. I was confused by the unexpected charge but intended to consider moving forward after discussing with my family. 

Approximately XXXX week later, I received a credit card in the mail from a dental credit company ( XXXX XXXX  ) which I had not applied for. Upon inquiry, I discovered the account had been opened by XXXX XXXX XXXX without my authorization. I immediately contacted the credit card issuer and opened a dispute case, requesting closure of the account and notification to credit bureaus. The credit card company responded by stating that the dental office would need to provide documentation of the error. 

Subsequent attempts to resolve this matter directly with XXXX XXXX XXXX failed. Phone calls were repeatedly transferred to billing, and promised callbacks did not occur. Later finding out that the Office Manager is the one in charge of billing and when I called i was told " someone from billing will give you a call back. '' And he was the one that was actually in charge and on the phone with me already. Recently, I received a bill from the credit card company for roughly {$1000.00} plus late fees for nonpayment of the minimum balance. I would also like to note that I was always made aware that amount that the credit card was approved for was {$6500.00}. Not even close to what was actually billed. 

When confronted at the dental office, staff claimed I had consented and signed for the treatment and credit card despite me never being informed or shown what I was signing. They dismissed my concerns, stating that they had already been paid and that I owed the credit card company, not them. They showed no willingness to assist, made no offer to correct the situation, and displayed no empathy or concern for the damage caused, including harm to my credit. 

I believe XXXX XXXX XXXX violated consumer protections by opening a credit account in my name without explicit informed consent and by performing and billing for treatment I did not approve. They may also have engaged in insurance billing fraud by charging my insurer for treatments not properly authorized. 

I have also come across XXXX and XXXX reviews of consumers being charged for cleanings/treatments that they did not approve and also falsely applying for credit cards. Its very clear this dental office is trying to make their money in an fraudulent way. And they have no regard for their consumers.

Company response to consumer: Closed with explanation