Smile Generation Avis 

Arriving early for a scheduled appointment / surgery, and after checking in and paying for the service, they made us wait in their lobby for over 45 minutes before being taken for surgery. This show how unprepared they are for us. When I asked why, their response was unapologetic.

Totally ridiculous, never received my reminder email. Definitely got one for being late. Pay way above the monthly payment. Have not ever been late. Called to get refunded, she said as a one time courtesy, they would give me $15. What the hell is with that. I’ve never had a credit card do this, EVER. Do not trust Smiles Credit card. Besides the fact I got taken by the dentist and charged my insurance, without my permission.

What people are saying here about how bad Smile Generation are all true!! Yes, they have up to 50% discount on services only after they double the original price. ie crown discount price is $1,500 from original price of $2,500 ! No dentist has the 'original price' that high which totally negates the discount. DUH...
We are not that stupid SG !

Predatory. Whereas most websites are easy to make auto payments, theirs was horribly difficult to navigate. Don’t make mistakes or they will find ways to take more money from you.

If I could give this card service a 0 star I would. Worst card ever, their late fees are ridiculous they do not care if you paid off your balance and were late a day on doing so and charge $52 just for it and won’t credit any money back … insane!

Their promotions system is definitely bad, as well as the communication with customers.

I had the worst experience of my life with a credit service, I am desperate to finish the payments to cancel this card. Despite having paid monthly, WITHOUT FAULT, well over double the minimum payment, I was charged over TWO THO THOUSAND DOLLARS IN INTEREST!!!!!.

THE EXPLANATION: The money that is deposited monthly, is distributed among the active promotions instead of assigning the money directly to the promotion that is going to expire, which means that you never get to pay the expiring promotion, resulting in a case like mine.

In order for the money to be allocated specifically to the promotion you want, you must call SPECIFICALLY THE DAY YOUR MONTH IS EXPIRED BEFORE 5PM and this way the money is distributed as you want based on the expirations of promotions.

I would not recommend this credit service EVER!!!! And I will do my best to make this message as viral as I can.

This company has terrible statement/payment/record keeping. Also their collection process is so old school from the 90s. Such as, they will constantly make threatening harrassing calls where the mistake was on them. They will screw up your credit if you don't stay behind them.

Never apply for this credit card I had to use it to get my son's teeth done back when I was making minimum wage. The interest rate is 39.99% and we have been making payments on a bill for over 5 years that was originally about $2,000. I called to try to work something out because after 5-6 years of payments that bill should be well overpaid. The amount owed is still $1400 after all that time. This company obviously takes advantage of people who are not financially literate. The minimum payment is less than the interest so if you don't know any better they will cheat you out of way more money.

Do not get a credit card through smile generation (Comenity Capital Bank) is super shady with the payments and if you’re late by a day or 2 they won’t do a one time late fee forgiveness. They can charge up to $45 in late fees and only take off $15. I’ve always made payments on time and been paying more then the minimum for them not to have a one time grace period. Definitely does not value loyal paying customers. Make sure you make all your payments on the due date to not have any issues.

I had an account through Smile Generation/Comenity Bank and was charged $865 in interest after being enrolled in a deferred plan I wasn’t clearly warned about. They pressured me into paperless statements by threatening a $2.99 fee, and never clearly alerted me that a large interest charge would hit if I didn’t pay the balance by a certain date. I tried escalating this through CFPB but received no meaningful resolution. Customer service is unresponsive. Be careful with these promotions.

What a disgusting company. Paid my final balance by phone with an agent and got a confirmation number. Get the statement 3 weeks later and they applied $2500 interest, because the payment was stopped by my bank's fraud dept. because Comenity entered a wrong zipcode. Neither the bank nor Comenity/Smile Generation bothered to let me know before the promo period expired. Tried to fight it w/ letters and had proof, but to no avail. After their 5 day investigation they closed the case and report you to credit bureaus unless you pay. They look for every opportunity and will cheat to get your money and charge you interest. They will also tell you repeatedly that it takes $200 monthly payments to pay off your $6000 balance in 18 months. That math is not correct and they know it. Stay away!

Checked in at the front desk and was originally going to be charged $80. Questioned why $80 when previous cleanings were just $40. After insisting on just a cleaning I ended up paying $38.
Then retroactive to the visit I am billed an additional $40 for D4999 antibacterial or antimicrobial irrigation along with periodontal surgical procedures. Question if this was really peformed and, if so, why was it done without my knowledge.
Googled this: Clients and audience members are reporting that although they are billing it, the amount of reimbursement is negligible. Delta Dental of most states is not reimbursing for it and is requiring the charges to be written off. In those cases it is considered part of the primary procedure (much like pulp caps for fillings).
Assess the charge if applicable but always let the patient know that it may not be covered.

It took almost 2 months to get my card to be able to set up my account and that was after my first payment was due. Customer support is okay but that’s if you can get ahold of them. The website is super buggy and apparently didn’t log my account information when I submitted my 2nd payment, now I’m getting hit by a late fee and got zero notice about anything until a week after the fact. Only got this horrible plan because I was in a pinch and deeply regret it now. My fault for signing my name. Don’t make the same mistake, find other options cause this isn’t the one.

Dr Bushong completely ruined my teeth doing osseous surgery at another location. My insurance actually denied the claim due to lack of perio charting. According to the paperwork, I was given, there was not a full perio charting that took place. There was no dental plan in place, no idea what was going to happen to my gums or teeth, no idea that I was going to have to have implants or fake teeth immediately. It has been a complete nightmare and I'm already on $10,000 worth of implants for just one side. Stay completely away from him.

Don't get this smile generation credit card. They only let u do online banking payments. I wanted to do 1 year payment plan but the dentist place don't offer that. They only offer 4 increments payment. It was expensive so I apply to finance not knowing smile was a credit card for dental only. The desk lady said I could use my hsa card to do payments for smile generation while they pay for my services. Now I can't even do that. Stay away guys!

Today I had a customer care rep LIE to me about removing late fees. I called back and have been bouncing around to different reps.

This place is absolute BS. Went in for a cleaning and the girl absolutely destroyed my gums with floss. Then the dentist comes in and says I need laser cleaning because my gums are swollen and bleeding. No shit!!! Your girl just killed me. Tried to charge me $260 and didn’t even do my cleaning at all. This place is a joke.

Let's be clear the SMILE GENERATION FEE SCHEDULE is a gimmick created by a corporation in order to trick their customers into thinking they are getting a discount.
After your initial visit the office manager approaches you and presents you with a personalized estimate on the cost of the work that is needed. It's important to note that your perceived cost is associated with the UCF Price. This price could be what the average charge of a particular procedure would be in that area or what the reasonable rate of the the surgeon that will be performing the procedure would be. It's not stated clearly. But what is clear is the UCF price is arbitrary. The SMILE GENERATION FEE SCHEDULE DOES NOT have a UCF PRICE. Its for this reason that their is no real savings. Their is only a perceived discount.
Another deceptive practice on the SMILE GENERATION FEE SCHEDULE is that all prices for all procedures are for what a general dentist would charge. Unfortunately most of the procedures on the schedule can only be performed by a specialist. When your presented your estimate this information is not revealed and if you are not given the actual FEE SCHEDULE you won't be able to question the price discrepancy. This is why I believe that you are pressed to sign off on the estimated cost immediately.
The SMILE GENERATION FEE SCHEDULE may believe that their victims have no recourse but they are wrong. I was able to get back over 5k uncontested. It took five months and all of my dentists notes to figure out but I was able to point out instances of overcharging, unnecessary charges, and using inappropriate codes when deciding what to charge as well as an instance of fraud. That is charging me for labor that was labeled as a "misc. Product" then changed to a "misc. Procedure" when I pressed them for a written description it was changed again to a labor charge. When I demanded this in writing the office cut me a check for $1741.
One point of the SMILE GENERATION FEE SCHEDULE THAT I think could be an avenue of liability on their part is the fact that a $119 fee is charged in order to sign up for this policy. You are presented an estimate that you are told is derived from the SMILE GENERATION FEE SCHEDULE. You are shown your perceived discount associated with the SMILE GENERATION FEE SCHEDULE. IN my case if was a 20 percent discount for a total of around $10,600. But I was able to confirm only 20 percent of the perceived savings came directly from the SMILE GENERATION FEE SCHEDULE. The remaining $8480 in perceived savings actually came from the declared 20 percent discount that my surgeon offered off his reasonable rate. His rate was always more than what the SMILE GENERATION FEE SCHEDULE notes but that is because their price is what a general dentist would charge. But like I pointed out, a general dentist could never perform most of these procedures. I think a customer would have cause to ask for their $119 to be refunded if only 20 percent of what is discounted come from the SMILE GENERATION FEE SCHEDULE.
I could go on about my particulars but I hope I've madey point. Stay away from this corporation .

What a terrible company. After a year of paying my minimum balance I was just hit with over $1,000 interested fee erasing any payments I’ve made. I am beyond myself and disgusted with this company. This honestly feels illegal. To be told by a service rep that at the beginning someone “should have told me” is unacceptable. Please don’t use this company they make it sounds so easy and great and then you get completely screwed!!!!!!!!

Bait and switch. Offer a $59 new patient exam, x-rays, and cleaning, then refuse to do anything less than a $1000 planing and scaling. Prices are higher than others, so the "discount" just brings them down to what they would be anyway, and unnecessary services are pushed or even required for service.