Comenity Capital Bank Lending Club Patients Solution Ignored facts I submitted disputing charges by a merchant. Columbus Ohio

This is regarding my dispute with Comenity Capital Bank (my account number ending in: 4565) that issued Lending Club Patient Solutions a credit of $10,350 that was then paid to Excel Dental & Implant Center for the upcoming dental treatment of my son, Joseph T. Durica, the patient. I signed the so-called Active Treatment Plan (1) agreement with Excel Dental on 3/6/2023 that depicts the entire dental treatment for my son Joseph T. Durica (the patient) at the total cost of $10,350. There were no items in the treatment plan that became a subject to this dispute, listed/specified as “surgical stents,” commonly used in connection with dental implants.

On 3/6/2023, my son, Joseph T. Durica, the patient, received an x-ray from Excel Dental in the amount of $410, the only service/procedure since my son decided not to proceed with the treatment and therefore, he cancelled all further services/procedures within 72 hours as required by the Active Treatment Plan (1) agreement.  Therefore, Excel Dental was supposed to refund $9,940 to Comenity Capital Bank from the total of $10,350. About three months later (5/23/2023) Excel Dental produced three fabricated charges for so-called “surgical stents,” each at $375 even though my son has received no implants at Excel Dental, nor has he received any additional service at Excel Dental beyond 3/6/2023.

I paid off my account balance of $410 for the service received, in fact I overpaid it by $40, on 10/12/2023 which is well before the maturity of my account, being 3/6/2024, after which date, I would be charged an interest for the outstanding balance. After my last payment I have notified Comenity Capital Bank that I will not be making any more payments and that I remain disputing the charges as I stated before.

On 2/22/2024 Comenity Capital Bank posted to my online account a request for a new minimum payment in the amount of $88 that includes $29 late fee. Based on Comenity Capital Bank I am supposed to owe the bank $1,114 even though I have overpaid my account by $40. However, this is not the most recent statement from Comenity Capital Bank/Lending Club Patient Solutions. The most recent statement is dated 3/17/2024 based on which I am supposed to owe them $1,167.73 (with piled up interest and late fees charges). This amount, like the one before and any other that may follow, I completely dispute based on the facts I shared here earlier. How could this be? How could a bank like this still exist? No consequences. Where is the law? Is this the USA? WHAT OPTIONS DO I HAVE TO GET THIS RESOLVED? PLEASE HELP!!!