Smile Brands Finance Inc

Smile Brands
Finance, Inc(“SBF”) has reviewed the complaint filed with the Revdex.com by Mr***. SBF values its customers and takes its obligation to comply with laws very seriously. We appreciate the opportunity to review and respond to Mr*** concerns, please see our response below
Timeline
Mr*** received dental services that were financed by SBF. He entered into a retail installment contract on April 30, with Castle Dental - Woodlands for $1,777.45. That contract was subsequently assigned by Castle Dental - Woodlands to SBF
Mr*** made one payment of $to SBF on July 21,
The contract was charged-off on June 30, in the amount of $1,
On 7/30/Mr*** notified SBF he filed bankruptcy
On 9/6/Mr*** submitted the attached Form Bto SBF as proof that he has been discharged in bankruptcyWe have redacted his social security number to protect his information
On 10/4/SBF received notice of Mr***’ complaint filed with the Revdex.com
Response
Bankruptcy Filing and Discharge
On its face, the attached Form Bprovided by Mr*** appears to have come from the United States Bankruptcy Court, District of NebraskaIt is signed by *** J***, Clerk of Court
Since Mr*** notified SBF about his bankruptcy filing, SBF has conducted multiple searches on the *** system in an attempt to verify his bankruptcy. None of those searches have provided verification. *** is an electronic public access service that allows users to obtain case and docket information online from federal appellate, district, and bankruptcy courts. The last search of *** was conducted by SBF on October 4,
On October 4, 2016, SBF counsel called the clerk of court for the Nebraska District. The clerk of court for that district is Ms*** ***. Ms*** stated that she has been the clerk of court for the Nebraska District for over years. She stated that Mr*** has never been the clerk of court for the Nebraska District. She stated that Mr*** is the clerk of court for the United States Bankruptcy Court in the Southern District of Texas, which includes Houston He has been the clerk for that district since
Counsel shared with Ms*** the bankruptcy case number (*** provided by Mr***. Ms*** stated the case number is not in a format used by her district.
Ms*** searched the bankruptcy data bases for her district and the District of Southern Texas, using Mr***’ name, social security number and address. She was not able to find any records. She also searched the Texas data base using the case number provided by Mr*** and variations of that case number and was not able to find any records
SBF has also made numerous unsuccessful attempts to verify the bankruptcy with MrWilliam’s lawyer.
SBF has exhausted every reasonable avenue and cannot verify that Mr***’ filed for bankruptcy or has received a discharge
Credit Bureau Reporting
Mr*** has requested SBF to remove his delinquent payment history with SBF from the credit bureaus due to his bankruptcy discharge.
As outlined above, SBF cannot verify that he has filed bankruptcy or that he has been discharged
Even if Mr*** did file bankruptcy and received a discharge, SBF is not legally obligated to remove delinquency history. Inclusion of accounts in a bankruptcy does not automatically remove it from the credit fileAll items included in the bankruptcy remain on file up to seven years from the date of last activity. What Mr*** is requesting, is not the standard industry practice
Here are helpful links to the ***, *** and *** web sites you might want to share with Mr***. They do a great job of explaining how bankruptcy does not wipe out a consumer’s delinquent history: *** *** * *** *
SBF will not be removing Mr***’ delinquent history from the bureaus
Please let me know if you have any questions or if you need additional information regarding this matter
ATTACHMENT
Form (official Form 18) (12/07)
United States Bankruptcy Court
Chapter
District of Nebraska
Case No ***
** ***
Social Security/ Individual Taxpayer
** ***
***
Employer's Tax
10/ Other Nos.:
Petition Date:
07/21/
DISCHARGE OF DEBTOR It appearing that the debtor is entitled to a discharge,
IT IS ORDERED:
The debtor is granted a discharge under section
of title 11, United States Code, (the bankruptcy code)
Dated: 07/21/
BY THE COURT
***
J***
Clerk of the Bankruptcy Court
ATIENTION DEBTOR: IMPORTANT DOCUMENT! PLEASE KEEP FOR YOUR RECORDS!
08-70648-frm Doc Filed 07/21/Entered 07/21/13:37:Page 1of

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the
business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Hello ***,
"">
Regarding the complaint #*** for *** ***, a correction report was submitted to the Credit Bureau on 3/9/per requestMr*** has been informed of this action
Thank you,
*** ***
Dispute Resolution Specialist
Smile Brands Finance
Credit Services Department
Spectrum Center Drive, Suite 100, Irvine, CA 386-ext ***

Roman">
Smile Brands Finance, Inc(“SBF”) has reviewed the complaint filed with the Revdex.com by Mr***. SBF values its customers and takes its obligation to comply with laws very seriously. We appreciate the opportunity to review and respond to Mr*** concerns, please see our response below
Timeline
Mr*** received dental services that were financed by SBF. He entered into a retail installment contract on April 30, with Castle Dental - Woodlands for $1,777.45. That contract was subsequently assigned by Castle Dental - Woodlands to SBF
Mr*** made one payment of $to SBF on July 21,
The contract was charged-off on June 30, in the amount of $1,
On 7/30/Mr*** notified SBF he filed bankruptcy
On 9/6/Mr*** submitted the attached Form Bto SBF as proof that he has been discharged in bankruptcyWe have redacted his social security number to protect his information
On 10/4/SBF received notice of Mr***’ complaint filed with the Revdex.com
Response
Bankruptcy Filing and Discharge
On its face, the attached Form Bprovided by Mr*** appears to have come from the United States Bankruptcy Court, District of NebraskaIt is signed by *** J***, Clerk of Court
Since Mr*** notified SBF about his bankruptcy filing, SBF has conducted multiple searches on the *** system in an attempt to verify his bankruptcy. None of those searches have provided verification. *** is an electronic public access service that allows users to obtain case and docket information online from federal appellate, district, and bankruptcy courts. The last search of *** was conducted by SBF on October 4,
On October 4, 2016, SBF counsel called the clerk of court for the Nebraska District. The clerk of court for that district is Ms*** ***. Ms*** stated that she has been the clerk of court for the Nebraska District for over years. She stated that Mr*** has never been the clerk of court for the Nebraska District. She stated that Mr*** is the clerk of court for the United States Bankruptcy Court in the Southern District of Texas, which includes Houston He has been the clerk for that district since
Counsel shared with Ms*** the bankruptcy case number (*** provided by Mr***. Ms*** stated the case number is not in a format used by her district.
Ms*** searched the bankruptcy data bases for her district and the District of Southern Texas, using Mr***’ name, social security number and address. She was not able to find any records. She also searched the Texas data base using the case number provided by Mr*** and variations of that case number and was not able to find any records
SBF has also made numerous unsuccessful attempts to verify the bankruptcy with MrWilliam’s lawyer.
SBF has exhausted every reasonable avenue and cannot verify that Mr***’ filed for bankruptcy or has received a discharge
Credit Bureau Reporting
Mr*** has requested SBF to remove his delinquent payment history with SBF from the credit bureaus due to his bankruptcy discharge.
As outlined above, SBF cannot verify that he has filed bankruptcy or that he has been discharged
Even if Mr*** did file bankruptcy and received a discharge, SBF is not legally obligated to remove delinquency history. Inclusion of accounts in a bankruptcy does not automatically remove it from the credit fileAll items included in the bankruptcy remain on file up to seven years from the date of last activity. What Mr*** is requesting, is not the standard industry practice
Here are helpful links to the ***, *** and *** web sites you might want to share with Mr***. They do a great job of explaining how bankruptcy does not wipe out a consumer’s delinquent history: *** *** * *** *
SBF will not be removing Mr***’ delinquent history from the bureaus
Please let me know if you have any questions or if you need additional information regarding this matter
ATTACHMENT
Form (official Form 18) (12/07)
United States Bankruptcy Court
Chapter
District of Nebraska
Case No ***
** ***
Social Security/ Individual Taxpayer
** ***
***
Employer's Tax
10/ Other Nos.:
Petition Date:
07/21/
DISCHARGE OF DEBTOR It appearing that the debtor is entitled to a discharge,
IT IS ORDERED:
The debtor is granted a discharge under section
of title 11, United States Code, (the bankruptcy code)
Dated: 07/21/
BY THE COURT
***
J***
Clerk of the Bankruptcy Court
ATIENTION DEBTOR: IMPORTANT DOCUMENT! PLEASE KEEP FOR YOUR RECORDS!
08-70648-frm Doc Filed 07/21/Entered 07/21/13:37:Page 1of

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

Hello ***
"">
I left a message for *** *** to call me back to discuss her account
Thank you,
*** ***
Dispute Resolution Specialist
Smile Brands Finance
*** *** ***
*** *** *** *** *** *** *** ** ***
###-###-####

An electronic check refund in the amount of $was processed on 7/26/

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I...

will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to...

perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Located payment made at dental office and guided office for proper posting to apply to Smile Brands Finance contract; will adjust off all fees to bring account balance to zero; will submit correction to Equifax to clear any reported delinquency and mail to client letter confirming this action; left...

message on client's phone requesting call back so I can explain all these actions.

An electronic check refund for the amount of $158.33 was processed on 10/4/2017. The funds should be available any day now if they are not already. Smile Brands Finance has apologized profusely to the client for the error.

I left messages on the client's phones listed. I want to speak with her and resolve her situation.

Tell us why here... At the beginning of every month Smile Brands Finance reports to [redacted] the status and balance of each account as of the due date of the prior month.

I have used Smile Brands Finance, Inc. to finance dental work done on my teeth for the past 4 years. Through my dental office, my monthly payment is drafted from
my checking account. The account was paid off in January, 2016. I get a letter from Smile Brands Finance saying I'm going to be sent to the credit bureau for not paying $113. I called my dental office and they have a zero balance so I called Smile Brands and they sent me out a list of payments. They made a mistake back in Oct., 2015 with a credit and now I owe $114 with late fees. None of this is my fault, the money is drafted from my checking account and I should not be charged late fees or owe anything, according to my dental office. If Smile Brands made the mistake, then they need to hire more efficient people in the office to handle finances. I have talked to them and they apologized but still say I owe this money. I'm very upset with them since the payments are out of my account and I don't handle any of it, then I get a letter stating I'm being sent to the credit bureau because of their mistake. So I'm done with this company and want to put it out there so others will be aware of their sloppy finance dept. Then the letter was addressed to Alaska and I live in Colorado.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will...

wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

My dental work was completely paid for however due to the company's inability to keep an Orthodontist, my work was never completed. The office I went to closed and I have no idea where my records are. I was referred to an Oral Surgeon by Dr Hicks and it took 6 months to get an appointment with this particular surgeon. The ball was dropped completely with my treatment- I still have brackets on my teeth inspire of not having wires for over a year and a half. NO ONE followed up on my active Orthodontic treatment. NO ONE. A doctor has an obligation to his patient in active treatment but again, I've been under the care of 3 different Orthodontists and not a single person has followed up or checked on me even though my telephone number is the same and so is my wife's. Will be following up with an attorney due to not being able to find another Orthodontist to remove the brackets. Steve & Shantel Priddy 281-620-5271. 832-247-8559

I have used Smile Brands Finance, Inc. to finance dental work done on my teeth for the past 4 years. Through my dental office, my monthly payment is drafted from

my checking account. The account was paid off in January, 2016. I get a letter from Smile Brands Finance saying I'm going to be sent to the credit bureau for not paying $113. I called my dental office and they have a zero balance so I called Smile Brands and they sent me out a list of payments. They made a mistake back in Oct., 2015 with a credit and now I owe $114 with late fees. None of this is my fault, the money is drafted from my checking account and I should not be charged late fees or owe anything, according to my dental office. If Smile Brands made the mistake, then they need to hire more efficient people in the office to handle finances. I have talked to them and they apologized but still say I owe this money. I'm very upset with them since the payments are out of my account and I don't handle any of it, then I get a letter stating I'm being sent to the credit bureau because of their mistake. So I'm done with this company and want to put it out there so others will be aware of their sloppy finance dept. Then the letter was addressed to Alaska and I live in Colorado.

Review: Smile Brands finance is reporting a 60 day late payment on my credit report, I was never 30 or 60 days late on this account.

I requested that my account be placed on auto-debit from my checking account which was never completed. As soon as I became aware of the balance I paid the account off in full. I again must clarify that the account was never late due to me, I have left several phone messages in an attempt to resolve the issue but nobody has ever returned my callDesired Settlement: I request that the late payment be removed from my 3 credit reports to avoid my having to take legal action

Business

Response:

Hello [redacted], Regarding the complaint #[redacted] for [redacted], a correction report was submitted to the Credit Bureau on 3/9/15 per request.Mr. [redacted] has been informed of this action. Thank you, [redacted]Dispute Resolution SpecialistSmile Brands FinanceCredit Services Department100 Spectrum Center Drive, Suite 100, Irvine, CA 92618877 386-2817 ext [redacted]

Review: I recently checked my credit score and the company says that I was late with my payment. I have never been late. I paid off my account in Dec over the phone with a rep.Desired Settlement: I would like my credit report to be fixed as this is a negative thing on my account.

Business

Response:

Hello [redacted] I left a message for [redacted] to call me back to discuss her account. Thank you, [redacted]Dispute Resolution SpecialistSmile Brands Finance[redacted]###-###-####

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Regards,