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Comenity Bank/Dental First Financing is not just awful, they are unscrupulous scoundrels and engage in deceptive payment posting methods. They are as crooked as a three dollar bill by trying to extort interest and fees from witting and unwitting consumers.

I also took an 18 month installment loan for Aspen dental procedure and was charged late fees for every month since the account opened even though my payments were delivered to them by the payment date they specified. I have had to fight with them for 12 months every month by proving the deliver date in order to get the fees reversed and they all were reversed because my payments were proved to by on time as stated. They just failed to post them by the date. All my payment were made in an amount that was twice the minimum payment they set so I was on track to pay off the balance before the plan expiration date so they tried to make money on me by late fees.

Comenity -Dental First is white collar thievery!

On an 18 month installment no interest plan, just divide your balance into 17 so that you pay off before the plan expiration on the 18th month. Other wise you will owe them the full interest for the 18 months on the loan.

Product or Service Mentioned: Dentalfirst Financing Medical Loan.

Reason of review: Problems with payment.

Company wrote 0 public responses to the review from Feb 22.
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If you were scoundrels running a dental chain by circumventing state practice laws, would you employ an honest finance company like CareCredit or Lending Club? No, you would look for scoundrels in the lending business that would give you a kickback.The sad part is, knowing Aspen's scruples, a lot of what you financed is probably treatment you did not need anyway.It is always prudent to save a half year's income and have it in the bank in the event of emergencies, including dental emergencies.

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