PointPic.com is a web service which can easily add comments to your images. Users are allowed to add multiple comments in a single image.
You can upload image from your computer or provide the URL of any online images. After that, you can start to add comments to them. Your comments will look like a speech bubble.
There are a lot of options that you can play with. For example, you can create new bubbles, move or resize the bubble, and move, add, or remove the arrows. Double click the bubble and you are able to modify your comments.

The screenshot show an example comments add to the image. After you add your comments, hit the done button and you can get the direct link for the output image. You can download the output image as either jpg or png format. They even provide thumbnail for forum users.
I am not sure how long PointPic will keep the images, but there are some users said that your images will be removed if nobody view it within 1 year.
Note: Previously, PointPic.com was known as Lynchr.com



Easiest way to create bubbles on photos using Kyolo
Kyolo is a web service which provide the most easiest way to add bubbles on your photos.
I had cover a web service which can add comments on photo. Kyolo is similar with it, with the advantage of support other language such as Chinese.
With Kyolo, you can add bubbles with different shapes, and you are able to change the font size and rotate the bubbles.
Once you register, you are able to save the image and create public and private albums to share with your friends. Unfortunately, Kyolo doesn’t support upload image using URL. You must download image into your local drive and then upload to begin edit.
Kyolo