Quick and easy process, my rep Chris Hernandez kept me updated on the status of my loan due to my surgery being pushed back because of COVID-19. ALPHAEON CREDIT card accounts are issued by Comenity Capital Bank. I've made two payments and still don't know where its going or if its received - since I've never received a receipt. Where can I report them for not allowing me the opportunity to pay off my Wayfair balance and close that account myself? That's where I stand as of today. Would definitely use them again! If so, how has your experience been with them? How do I know I can trust these reviews about Comenity? BBB Business Profiles generally cover a three-year reporting period. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. I was very happy with the help Gina Garcia gave us. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Enjoy reading our tips and recommendations. They just transferred my balance to their MasterCard. I was then told I had to make a payment immediately. I felt hopeless and thought I may have to use my credit cards or just save more money or maybe forget it totally. Heard nothing back. I have one baddie, which is Midland Funding, I just can't shake these people (Moderator edit) - this coming October will be my two year mark, I'll be able to pay and they'll remove it since they remove after two years with payment.. Good accounts: $400 credit card limit, 5 months of on time payment - 0 balance. "Unfortunately I have the requisite experience to review these guys (aka: I've had accidents). Get buying tips about Banks and Credit Unions delivered to your inbox. The easy part was applying and getting communication regarding using the service. I call his manager again and she tells me that  my bank statement was rejected. I call United Medical and they bounce accountability between me and the Special Finance people. Unsubscribe easily. We appreciate your patience as we and everyone in our communities focus on addressing this crisis. UMC features no-cost options for healthcare providers and no interest options for patients with no staff time required through one simple online application. This is cutting it close but it's fine. Once I submitted the application I received communication to say congratulations and to explain everything that was entailed in my loan and the process. If you have too many inquires on your credit report they closed your accounts. A link has directed you to this review. I think it's like CareCredit but instead of being backed by Sync, the Alphaeon card is trough Comenity. We’ll start sending you the news you need delivered straight to you. What can we help you with. I filled in the application and I received an immediate response. Cause i should have read this before they applied for me at the dr office...im in the process of looking to buying a home and i thought well if it works it would be so worth it i read the pamphlet and it seemed feasible i was finance for 4200 i need 6700 i thought ok thats not to bad i can pay the other 2500 for the surgery and everything seemed fine my rep Greg Lehmann sent me an email going over everthing and there it was Service fee of 2798.83....really after running my credit reading the pamphlet no where was i informed of the service fee! The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 24, 36, 48, or 60 equal payments during the promotional period; and you make all payments on time.4, 4 Promotional Credit Plan Details: Low APR, Equal Payment. I do not recommend any credit issued by Comenity Bank. Ok, same day sent the correct one. interest free. I emailed my sales person and hardly got a response. Once I was able to have the surgery I got in touch with Chris and he immediately got to work sending my funds to the correct place and responded to me within a day letting me know it was taken care of. Ok, I email it to her directly. I was then told the payment will be drafted automatically. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. I think this might be the route to take for my upcoming surgery. What do you think? I called and got him on the phone and he says I didn't send in the documents. I'm looking to have surgery in Colombia? BULLSHIT! United Medical Credit (Adrian) was very quick to reach out & provide me the details on the approval for my medical credit application. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. The ask for documents multiple times, the ask again. I called Comenity to see if there were any reasonable alternatives to complete my application. They seem to be pretty popular in my area, I actually found out about them through two different surgeons where I live. If your health insurance doesn’t cover the medical services or supplies you need, health care credit cards are an option. Through its extensive network of lenders, United Medical Credit offers healthcare providers financing solutions for Prime and Sub-Prime patients resulting in the highest approval rates. BBB reports on known marketplace practices. Learn more. Heard nothing. So, mail a copy of my Social Security card, or expect to be denied credit, even with a 775 credit score. https://d.comenity.net/alphaeoncosmetic/public/Home.xhtml. I do not recommend credit cards with Comenity bank. How the Heck does that make since and why does the office use them for finacing cant wait to ask my dr. They charged a "returned payment fee" of $25.00 and would not waive the fee even though I was not at fault. My payments are a little steep but other than that; it was a good experience.. To their credit, United Medical has a lot of positive things going for them. Good luck! I do not owe any late fees already. Needed a financial funding for a medical procedure asap and United Medical Credit was able to help and assist me with that issue. Hitting social media next! Shawn Lopez was my financial consultant and he was very helpful throughout the whole process. 1 Suggested Monthly Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. This is a shady company with shady horrible customer service. Be the first one to find this review helpful. Valid for single transaction only. Garcia, was always available to answer any questions or concerns. ) Thank you. I call his manager again and she tells me that  my bank statement was rejected. Its location on this page may change next time you visit. She was responded quickly to my e-mails and was always available to answer any concerns that I had. The team at Fidelity is thorough, responsive, and got us our needed results for financing during…", "My husband and I are both fully employed MBA's and we needed a specialized CPA to help us navigate how to get the best return on our taxes and tackle writing off school related expenses.