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Report: #1532086

Complaint Review: Comenity Capital Bank - Columbus Ohio

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  • Reported By: Jozef — Mission Viejo California United States
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  • Comenity Capital Bank P.O. Box 182025 Columbus, Ohio United States

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

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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!!!

This report was posted on Ripoff Report on 04/12/2024 10:23 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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