Read 50 Smile Generation Customer Reviews and Complaints (Page 4)

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Average Customer Rating: 1.2
Rating Snapshot:
5 star: 2 4 star: 0 3 star: 0 2 star: 0 1 star:  48
Bottom Line: 4% would recommend it to a friend
Showing 34-44 of 50
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  • If you're wondering if it's a scam, it is!

    • By Katherine S.,
    • Houston, TX,
    • Jun 18, 2018
    • Verified Reviewer

    My dentist's office offered this company as a financing option for my $1800 bill. It seemed easy enough, and I knew I could pay it all off in a year and a half. Eighteen months later I check my monthly statement, and there's an extra $410 on my bill.

    I call, and they tell me the promotional 0% interest rate has ended. Little did I know, they charge you the full amount of interest starting from when you opened the account. If I had known this, I would have just gotten a regular credit card. This company takes advantage of poor people who can't afford to pay their bill to begin with and then gives them a 1-2 day grace period when they forget they need to pay it all off. 1-2 days. Not when you go to pay your bill the following month and notice an extra $400.

    Honestly, I'm the sucker for falling for it. This is the state of our country. Money grab over poor people trying to fix their teeth. Thanks for screwing me over Smile Generation.

    Bottom Line: No, I would not recommend this to a friend

  • This type of card should not be allowed

    When a person is sitting in the chair being told they need a treatment to save their teeth, and the treatment is way above what is normal, but they just say, "Oh here, we can get you credit in five minutes."

    And sure enough companies like them are there and approving credit with a two-minute credit check, making it way too easy for patients to be talked into treatments they would have shopped around for lower prices. Plus being told the great offer is only good if we accept right there that minute.

    Now I’ve got a $1400 bill, plus my insurance paid $400 for cleaning.

    Salesmen and health issues do not go together. I think if companies like theirs would not make it so easy, a lot of people would not get the high-priced, over-charged treatments. This could be stopped by not giving approval. Let the approval take a few days. Then not so many would be ripped off. I'm just as angry at companies like them who allow dentists to push expensive treatments by scaring the patient into it.

    Then need to change their policy.

    I will continue to write reviews and tell others to say no to Smile Generation. I’ve helped a few to be warned and I’ll keep going. This is wrong and close to fraud.

    They need to stop their way of stealing from people who can’t afford this.

    Bottom Line: No, I would not recommend this to a friend

  • Worst experience ever

    DO NOT use this company!

    I have had the worst experience with this company. Not only is the dental office that is part of the ‘Smiles Generation Family’ horrible, but they also DO NOT warranty the products they charge an arm and a leg for, the customer service is horrible.

    I had implants in my lower jaw done, and within 6 months the left one fell out. Not one person I have spoken with cared. I also paid for an upper plate, and that broke within 4 months.

    Because I’m disputing the charges because of all the issues I’ve had to deal with, barely 30 days past due the turned me into the credit bureaus, and it dropped my credit score by almost 100 points. The only time I’ve had a late payment ever.

    I was first told not to pay until the issues were resolved. Because I did what the customer service rep told me to do, it caused me to fall one month behind.

    I would never refer or recommend Smiles Generation to anyone. Nothing but a scam for them and the dental offices they work with.

    Also if I could give them -5 stars I would.

    Bottom Line: No, I would not recommend this to a friend

  • Beware, highway robbery

    • By Germaine R,
    • Queen Creek, AZ,
    • Sep 7, 2017
    • Verified Reviewer

    Exorbitant fees and terrible customer service. My original bill was $345, but I have already paid over $500 in payments and fees to date. I believed that I had already more than paid them off only to find they added more fees, stating that I had missed the deadline, so my bill is now back up to $300. This place needs to be investigated. Horrible practices do not allow your dentist to recommend them.

    Bottom Line: No, I would not recommend this to a friend

  • Bad financial system

    I wrote on here before (I did in Spanish for Hispanic people because they are more vulnerable in the hands of this company). Just in case, I recommend never to pay to get it by mail because they will charge a late fee even if you send it certified mail. They don't care.

    If you want to talk with a supervisor, he or she will never come to answer. They don't care.

    Bottom Line: No, I would not recommend this to a friend

  • Worst customer service and extra fees

    • By Rena Durham,
    • Chatsworth, CA,
    • Aug 15, 2017
    • Verified Reviewer

    I used Smile Generation to finance a dental procedure and am super unhappy. It was supposed to be interest-free for 12 months, and it was not the case. I ended up paying HUNDREDS of dollars in finance charges (due to their verbiage on the last page of their bills). I paid off the bill and STILL received a bill for finance charges. As explained by the customer service (who was HORRIBLE), they changed their terms of services agreement (no warning and no ability to disagree with it). May I advise if you do go with this horrid company, read EVERYTHING, every month on your bill. They will change things on you, and you will end up paying out the nose!

    Bottom Line: No, I would not recommend this to a friend

  • Horrible service

    I was overcharged by one of the dental office Smile Generation services a year ago, and I am still disputing the charge. I submitted the documents proving I was overcharged and for some reason, they sided with the dental office with no reason why. I would not recommend them to anyone, and when my balance is paid in full, I will never use it again.

    Bottom Line: No, I would not recommend this to a friend

  • Terrible payment plan

    I just found out that if you want to use a credit card to make a payment, they will charge you $9.00 EVERY TIME. Or you have to give up your checking account information. Absolutely terrible customer service on the phone! Do NOT use this service.

    Bottom Line: No, I would not recommend this to a friend

  • Rip off with late fees

    My husband chooses to use the card offered at his dentist, so we decided to take advantage of the "no interest for six months" offer.

    I use bill pay through my bank and send a payment out on the 6th that is due on the 15th because according to my bank, it takes five days. So this company cashed the check on the 19th and charged $28 in late fees. As far as I'm concerned, they are scam people. I will make sure my dentist's office knows about this.

    By the way, the money goes out of my account as soon as it's mailed by my bank. This sucks.

    Bottom Line: No, I would not recommend this to a friend

  • Very bad ethics

    • By Leda Shetler,
    • San Diego, CA,
    • Jun 14, 2016
    • Verified Reviewer

    I broke my partial in early April, and the dentist had a new one made. I like him and his staff is great. My complaint is not about them. My dental insurance didn't cover partial breakage, and the bill was $873.00. They introduced me to this company, and I signed up same. In mid-May I received a very nasty phone call from a woman that I equate with a Nazi, telling me that I had not paid for April and May, and demanded payment for two months. I had never received a bill from them for this.

    She said that the bill was returned to them, address unknown. However, she repeated my address to me, which was correct. Obviously they made a mistake on their end. She would not listen to me that I couldn't send her my payment, as I had no bill. She said she would send me a bill yet she never did. I then received a phone call from a gentleman who said they were waiving the late fees but I still owed for two months. He asked when it was a good time for them to bill me, every month. I told him my Social Security check came the second Wednesday of each month. He told me the bill should arrive several days prior to this. Guess what? I still don't have a bill.

    I have applied for a small loan, and should have it in about five days. I called the dentist's office today and made arrangements to pay them directly the full amount. They were very nice and graciously agreed to this. I fully intend to speak to a lawyer regarding this and I will attempt to bring suit against them. I will also report them to the proper people that oversee them. I'm 79 years old and don't appreciate this kind of hassle.

    Bottom Line: No, I would not recommend this to a friend

  • Huge mouse trap

    • By Leeza ,
    • Long Beach, CA,
    • Jun 3, 2016
    • Verified Reviewer

    Advertised for $59, ended up paying much more. Sold me Dental insurance, but it isn’t really dental insurance. Deceiting, misleading, uninformed. This is what happened to me. I found this place online while searching for an affordable dentist. Their advertisement was “$59 Cleaning, Exam & Digital X-rays, regular value of at least $290.” WOW that’s a great deal right? I made my appointment in no time flat.

    Once I arrived there, they took x-rays of only one side of my mouth. From there I was put into the exam chair where I was instructed to wait for the dentist to come in and evaluate/read my x-rays. The dentist explained that I would need a series of expensive dental procedures done of which he would be able to start treatment that day. The front desk gal then came in and explained to me my total cost would be $3,553. But they can sign me up for Dental insurance right then and it would lower my cost to only $2406. The one time cost for my Dental “Insurance” was only $111. Wow -- dental insurance for only $111, and my dentist office can sell it to me.

    I was in severe pain that day and went ahead and signed up for my dental insurance and started my first treatment. I was not provided any information or discloser about this “Dental Insurance”. At the end of my visit I was given something called “Financial Arrangement” which listed the treatment plan and cost, along with “DENTAL PLAN ENROLL 1”. I was then asked to pay my office visit total for that day which came to $256. After I paid it they gave me an itemized receipt showing I paid a single x-ray, additional x-ray and photo intra oral cam for a total of $256. They also, gave me a copy of my 2 page “Financial Arrangement”. (3 pages in total.)

    After getting home I realized I had no idea of the name of my new Dental Insurance company. About two week later I receive a membership ID card from “My Smile Dental Plans”. On the back of my ID card it says, “DISCOUNT DENTAL PLAN”, in smaller print it says, “THIS IS NOT AN INSURANCE PLAN’, and in even smaller print it says, “Administered by The CDI Group, Inc.” At that point I knew something was not right.

    After doing some research I discovered that CDI Group, Inc. is “Coastal Dental Inc”, “Coast Dental Inc”, ”CDI Group”, “Coast Dental Plans”, they own the company “My Smile Dental Plans”. They are a Dental management organization that provide administrative and management services to dental offices and groups. The gal who sold me this “Dental Insurance” at the dentist office is an employee and/or independent contractor employed by Coast Dental Inc.

    They have many partner companies including but not limited to, Pacific Dental services (this is who does the billing and collections), Smile Generation Financial (their credit card), Heartland Dental, Option One Dental Plan. There website is

    I took this information to a Class Action Attorney along with hundreds of reviews and complaints about the questionable conduct and practice of these companies nation wide. He has agreed to file a class action case against them on behalf of the consumers. If you are a consumer that has been deceived, mislead or tricked into signing up for any of their services such as, Dental Insurance, Dental Plans, Dental Credit Cards or have been told you need unnecessary expensive dental work by any of these groups. If you would like to join me in a class action against these entities, or know someone that would, please email me at:

    If you would like to find out if your dental office is contracted with these group you can go to and search the “Find A Participating Office”.

    For those of you who would just like to report this group for wrong doing, they are Licensed in the State of California under the name CDI Dental, Inc. and The state website is

    Please help me spread the word by cutting and pasting this review on Facebook.

    Bottom Line: No, I would not recommend this to a friend

Showing 34-44 of 50

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