
Henry of Astoria, NY on Sept. 23, 2009
My Story:
JULY 17, 2007
1. I Opened a loan from Capital One of $5,225.00, granting full paid amount to dentist William ******* for root canal operation, night guard (he suggested it after looking at my teeth, which arent really bad), and teeth alignment: Invisalign (my cosmetic decision, it's just a small gap, at the time I figured I could pay it all off).
JULY SEPTEMBER
2. Impressions for teeth made the first weeks. Attended once every week for root canal process, in some occasions , dentist changed appointment to following week a day if not THE day I was supposed to have my weekly checkup.
SEPTEMBER
3. Root Canal process took roughly over two months for one tooth. I've never had one before but based on other experienced non-Dr. ******* dentist visitors, this should have all been taken care of in a week or so! (Suspicions arise).
4. Received new impressions due to 'new molar' possibly affecting my Invisalign.
5. Odd weekly visits where dentists checked on new molar and Nightguard, just taking a look and nothing more. Told me I was good and then sent me going. This ended up costing me my job as end of August as my company told me my weekly visits were unnecessary. Another appointment made for next week by dentist, oh boy!
OCTOBER - NOVEMBER
6. During a supposedly assigned visit, dentist's assistant looked through my files and confirmed no Invisalign order was ever made. No impressions were ever saved or sent to be made. Called dentist and asked for a refund of $2,500.00 immediately (the full cost of Invisalign only). Dentist tells me we can work it out by the next week.
7. New visit, front desk Manager oldest lady tells me was to wait two weeks to pick up check as dentist was "busy with a patient" to see me.
8. Received check from dentist with instructions to send on November 15, 2008. I agreed in hopes to take care of the problem. On a side note, check was of $2,155.00 with notes from front desk/Receptionist Manager old lady, Lucy. The remaining amount was a deductible fee ($345) that was supposed to be taken from them to Capital One. Also, they didn't provide the correct address to where to send. I had to contact Capital One to double check. Talk about shady!
9. I contact Capital one to confirm they received the check. A Capital One agent named Rolo calls me back after I leave a message to one of the customer representatives. He informs me that other people have are too facing similar refund demands and I was lucky to get a check, It is here that I find out that the weird $345 deduction fee from the dentist was not authorized, agent himself states they aren't supposed to do that and instead they will make sure I get the rest back as the fee is waived from me.
10. The Check bounced! Practically the very next day! Automatic affecting my monthly payments with odd NFA charges to this day. A claim that to this day I have to double check with Capital One to make sure they are not charging me this (I found out two months later).
DECEMBER 18, 2008
11. Notified the dentist with a claim letter asking for 7 days for payment. Receptionist Manager Lucy at front desk tells me she forward everything to the wife as for some odd reason, she is the person in charge of Finances of his business.
JANUARY 2009
12. Was told by dentist wife that a second check was sent to Capital One on January 5th, only to be informed by Capital One agent Anayra L (phone number available) two weeks later that no second check was ever sent or received within the 10-business days check process. All this vocal information was recorded to serve as ANY tangible evidence since Capital One to this day has made no physical claims that they understand what is happening (No e-mail, no letters, nothing!)
SEPTEMBER 2009
12. Here I am, taking it from there since Capital One agent
Anayra L has stated that once my $2,500 - half of what I am supposed to pay, is paid on my behalf, I don't have to worry about paying the rest. This was told by her and recorded by me as evidence. On a side note, she repeatedly tells me three times the same thing and makes it sound like its my responsibility that I am supposed to check on them after my remaining amount is paid. Wow Capital One, I so love your commitment to keep me as a customer...
13. I owe less than 3,000 to Capital One as of now. Roughly $500 to go... What will happen next?!
14. Why am I waiting so long? I guess I'm either too naive or too stupid to do as make Queens Family Dental and Capital One pay me back as they love playing the fun tennis game of avoidance with me. Debating to take this matter to court, a subpoena was highly suggested (by Anayra Ledesma herself) that it will be the only way to get physical evidence of statements from Capital One. Thankfully I ran into this site with what I can only hope is an ongoing list of evident victims in the same boat as me. Its sad really, my amount to pay back may not be as large as some others but there are many senior citizens within my area being greatly affected today with this fraud.
15. To the person in charge of posting this info if it gets approved if/before editing it: Please put as much info provided by me, my current evidence is short as neither Capital One agents nor the Dentist is willing to provide any printed proof of my account being processed or taken care of! I'd gladly put my info below but I am sure it'll just get removed, I wouldn't want this or other of the additional information in this very suspicious case to be removed in this post.