It sounds like you bought it used (or new as last year’s model). If you are the second owner there’s no telling what a PO may have done. The dust caps coming off may indicate the bearings were too loose (or worn). First thing would be to look for another service source. My neighbor dropped a bearing and the spindle was scored. I dressed it with a file and we were able to reuse it.
Bearing service isn’t rocket science so think about doing it yourself if you are able. Many YouTube vids will give you the “how to”. We’ve pulled over 30k miles and I do my own bearing maintenance, 2 year tear down/repack and use the Ez-Lube the years between. To date we’ve had no bearing troubles.
2013 F-350 CC SB 2WD 6.7PS
2013 Eagle Premier 351 RLTS
-SOLD- 2012 X23B
-SOLD- 2003 Ford Expedition 5.4, Bilstein shocks