Review Time
This company is the same as having a payday loan. I should have been more careful and did my research better. I have paid over $1600 and nothing went to the principal. As soon I pay them off I will close my account and I will never use this company again!!!
My dental office referred comenity smile generation financing for dental work it was the biggest mistake I ever made, the online easy pay system is always broke never accepted the information they're quick to charge late fees and other fees that was never mentioned in the beginning and the customer service is horrible incompetent untrained rude people that appear not to speak or understand English well big red flags stay away. I'll never use them again.
I visited the office for my routine six-month dental cleaning, only to be informed that an exam was required. Each time, I encountered a different dentist who performed probing and reported alarmingly high numbers, indicating pockets. I maintain excellent dental hygiene and have consistently had low numbers without any pockets. After a brief three-minute cleaning, I was advised that I needed three crowns and a deep cleaning. Seeking a second opinion from another dentist revealed that I didn't require any crowns or deep cleaning at all. This unnecessary treatment could have cost me $6,000, raising doubts about the $3,000 I spent six months prior at this office. Additionally, they have scheduling issues, such as not having my appointment on their calendar. They also employ high-pressure tactics by offering 50% off for work done on the same day as the diagnosis, which is for procedures that may not even be necessary. This kind of dishonesty feels like a blatant attempt to take advantage of patients.
The credit card associated with the service is extremely frustrating, with high interest rates. If you try to make payments by the due date, the system restricts you if you miss the specific timing, causing you to incur a $30 late fee. I would not recommend this dental practice either, as they charge excessively. They initially promote this credit card, but once the promotion ends, unexpected fees accumulate.
I visited due to a cracked wisdom tooth and was treated with kindness and professionalism by the team throughout the process. They clearly explained the issue and how to resolve it. We are now scheduling the removal, but I also took the time for a deep cleaning. I would highly recommend this service to anyone in the area.
I went to the office for my regular six-month dental cleaning and was informed that an exam was mandatory. Each visit, I encountered a different dentist who conducted probing and reported alarmingly high numbers indicating pockets. I take excellent care of my teeth and usually have low numbers without any pockets. After a quick three-minute cleaning, I was told I needed three crowns and a deep cleaning. A second opinion from another dentist confirmed that I didn't need any crowns or a deep cleaning at all. This unnecessary treatment could have cost me $6,000, making me doubt the $3,000 I spent six months ago at this office. They also have scheduling issues, like failing to have my appointment on record. Additionally, they pressure patients by offering a 50% discount on work done the same day as the diagnosis, which often includes unnecessary procedures. Such dishonesty feels like an attempt to exploit patients.
This lender is predatory—steer clear! The loan includes a balloon payment at the end that exceeds the remaining balance, leading borrowers into deeper debt. They refuse to negotiate interest rates and only provide a five-year payoff option that requires the account to go delinquent, which negatively affects your credit report. This structure is exploitative and dangerous financially.
If your dental office uses this credit card, be cautious! They often enroll you in a 'promotional offer' that requires the balance to be paid by a specific date, which is rarely communicated. If you are close to paying it off, they suddenly add a high-interest rate because you missed that deadline. Essentially, you're paying a significant amount twice!
I set up my account for auto-pay but faced a 74-point drop in my credit score due to a reported missed payment. When I reached out, customer service was unhelpful and falsely assured me it would be fixed. I had to dispute this with credit bureaus to resolve the issue. This company is quite disappointing!
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