NEW YORK -- As a Member of Pay Pal for many, many Years, I opened up a Bill me Later Pay Pal account, just 4 weeks ago. I Bought a few things from Ebay using Bill me later. Had a small Balance of 150.00, decided to make 3 payments earlier then waiting a month when it was due. Now er I have a Balance of only 30.00, which is not due till next month. I made a purchase on Ebay yesterday for 18.00, and was trying to pay for it with Bill me later, and it would not be accepted. Kept saying error in RED. So, I paid for it with my Pay Pal account.
Now I call Bill me later, and discuss this problem, asking them why I am blocked out from my own account, and told them that I just opened up this account which they personally verified and approved since I have been an outstanding Pay Pal Customer forever, and they could not answer me in one sentence. I got the run around, and NO one answered why this happened. I Went from one person to another all Day? Now, Having Excellent Credit my entire life, having Paid my Bill me Later Balance within 3 weeks of opening this account, Having an online Business which I use Pay Pal every day for over a Decade to receive payments, etc. Finally when no one had an answer, I was told that I was chosen as a Random person fraud check? and that the only way to un lock/un block my account was to show proof of who I am for their Fraud whatever? I said did anyone make an attempt to use my account. Their answer NO. I said I only used it 4 times, and you excepted my early payments with no problems?, The said: Correct we Agree. I was then Told to fax: my Drivers License, and a Bill from my Home address to prove who I was, in order to unlock this Bill Me later account. I faxed the 2 items over, called back today to see if they received it. I Was told, well, we don't know if we received it? Then Told when they do receive it, whenever they will look at my fax and get back to me in possibly 3 days. I spoke to Pay Pal, Bill me Later, and a Total of 15 people, and was treated with nasty and disrespectful people, still doubting WHO I was, still after explaining that I was was chosen randomly for their fraud experiment. I personally think they had a Glitch, and screwed up!!!!! I will wait for their email, or call, I will pay my Balance of 30.00 in full, which isn't even due for another 3 weeks, I will close this account, and pursue this legally. How Dare they treat me like a F******* Criminal. I've had outstanding Credit my entire life, and have never been treated with such disrespect. I remained pleasant talking to each person, I even had a Lady from Pay Pal, try to intervene with Bill me Later, and they talked ill about her too!!! Saying she shouldn't get involved, this isn't her business even though we had a case number from Pay Pal, and Bill me later. I answered Multiple choice questions, to 3 people, and I answered them all correctly, I gave the last 4 digits of my SS #, My address, my Everything on file, and still I was being badgered. I have just read all the negatives on Bill me Later, and I can tell you, if this is the way people have been treated, then I believe them all. The last Lady said to me from Bill me Later, Well look at it this way Honey, suppose someone was really trying to get into your account, "Wouldn't you want us to treat them the same Way" WTF?? are they Joking. They just approved me a month ago, and then they pull this BS.
ATLANTA, GEORGIA -- I purchased an iPad using Bill Me Later's deferred payment process/promotional billing. Of course when you make your regular payments it's applied to the principal balance. Not a particular balance, which I understand and Bill Me Later informed me that I just had to contact them and say I wanted a payment applied to that particular balance. Fine, so I made a payment due in 10 days and notified them I wanted the impending payment applied to that balance. Too soon, have to tell them within 7 days. Fine, within 7 days informed them, they confirmed they would do it. In the mean time I had enough money for a second payment to pay off the balance, again, informed them I wanted that payment to be applied to the balance, again they said OK. What happens? Neither applied. I call them and am told, no problem they can apply it up to 30 days and they will do both payments. Check back several times, nothing. Finally, the large payment is applied, the other is not. Several more emails asking them to do, am told they will and it will be reflected soon. Still nothing. More emails. Am told it will be applied. TO THIS DATE: 14 EMAILS!! Every time an told they will apply it and when I log in??? Still shows the balance.
THIS IS NOT WORTH THE BOTHER! DO NOT USE ON THEM FOR PROMOTIONAL BALANCE PAYMENT DEFER PROGRAM!
NEW YORK -- I purchased digitazer for fixing Apple phone for my daughter for $6.94. I set up to pay out of my bank account. 2 month later I was checking if one of the PayPal payments was returned to my account and found that my Bill Me Later account is 2 months pass due and I owe them 20.94. Original 6.94 plus 2 late fees $5 X 2 and 2 minimum finance charges $2 X2.
I called and asked how is that possible and if I set payment out of my bank account. Rep kept saying that Bill Me Later is my default payment method and I have to check my statements.
They agreed to remove 5 dollars only in late fees. It feels like a joke - they made triple on 6.94 purchase that I was not even consider making with Bill Me Later.
FRAUD!!! FRAUD!!!FRAUD!!! Disgrace!
OAK PARK, ILLINOIS -- I had my Bill Me Later account for about 7 months and already I don't like their services. Something told me not to make another purchase with them. When I first opened my account there was an issue with them honoring my 6 months no payment and it clearly states so when you log in to PayPal. So, I brushed it off, then recently I moved into a new apartment last month. So, I need a couch and a rug. I paid them the money I owed them and I decided to use it again. I purchased my couch and rug through Wayfair. I wanted to do it under 6 months no payment & no interest. Which I thought I done because on PayPal it states do you want to put this purchase on 6 months no interest and payment and it applies to a purchase over 250, so I click yes. So this was a easy way for me to purchase furniture because I was short on cash and just moved.
I thought it was OK, but when I went to check my account it said I had a payment due from that purchase. I thought maybe it was a mistake, so I called Bill Me Later for them to resolve the issue. They said OK we will submit it to be reviewed. So then I received an email that said my review has been processed look for changes within 24-48 hours, if any. So then I checked it again still no change. I then called them, gave them my account info and everything...The girl says well we contacted Way-fair and they said you had to make a purchase of 500 dollars( my purchase was 427).
This was unfair because I was under the impression that I was under the promotion for purchases over 250 not 500. Way-fair never said I had to purchase 500 dollars worth in furniture. I'm so angry because I want to pay in 6 months and that was misleading. I will never use them again because they don't know what they are doing. I wouldn't recommend anyone to use them.
ONLINE, CALIFORNIA -- Hello,
In April of 2011 I purchased a $109 item for my pool on eBay. I used my PayPal account. Fast forward to Jan. of 2012 and I get a call from BillMeLater on a Friday threatening to send me to collections. I Google BillMeLater and find out they are owned by PayPal. I log into my PayPal account and after an hour or so find no help, other than complaints about BillMeLater. Next I try to set up an account on BillMeLater, this never works.
Finally on Monday I talk to a human being at PayPal without help and then BillMeLater. She tells me I need to set up an account with BillMeLater. I ask her how can I have an outstanding bill from BillMeLater and NOT have an account with them? She says I just need to activate it. At this point I have wasted 3-4 hours dealing with this since the phone call 4 days ago. I finally get to see my account status and it shows my purchase of $109 and then my current balance of $184! The $75 (80% interest!) is all due to extra fees and interest due to non payment since Nov of 2011. This is the first time I get any information from anyone about this - 9 months after the purchase!!!
This business is a bait and switch via eBay and PayPal. The transparency is utterly lacking and they are using the power of eBay & PayPal to abuse their customers. I have been purchasing items regularly on the internet since the 90's and this is the worst case I have come across to date! I use mint.com to track 99% of my purchases and this business is obviously abusing the "bill me later" concept to add on massive interest after the purchase of a product.
BEWARE! Bill Me Later manipulates your PAYMENT DUE DATE so it does NOT CORRESPOND to the date your 6 MONTHS NO PAYMENTS offer expires!
When I open my bills, I look to see when the payment is due. Right? I'll bet you do that too, because woe! to the poor schmuck these days who pays their bills late. So my final payment to SCREW ME LATER // I mean Bill me Later is due on March 8th. But wait! Elsewhere, I find the offer expires March 1st.
SO EVEN IF YOU MAKE YOUR FINAL PAYMENT ON TIME, you'll get socked with the interest payments that accrued on the entire balance! Is this a coincidence? Of course not. Bill Me Later relies on an innattentive consumer to TRICK them into paying the heinous 19+%. They want you to overlook their underhanded scheme so you're trapped.
AND THEN THEY further TRAP YOU by making it difficult to make a payment quickly to avoid paying the interest. Can you make a credit card payment? YOU CANNOT. Can you make a PayPal payment? After all, this company is owned by PayPal! YOU CANNOT. The only way you can make an emergency payment is by ACH debit to your bank account - and I'll bet they manage to delay that payment until your "no Payments" offer expires.
I always respected and trusted PayPal before this - and I've funded thousands of dollars in transactions, both buying and sell via PayPal - but they jumped the shark with this scheme. PayPal will rue the day they started this devious business.
Oh, I almost forgot: their "customer service" personnel are trained to mindlessly repeat "Your statement is printed correctly - it's up to you to blah blah blah.. in essence they are saying "You got screwed, but we have our asses covered, so we're not going to help you."
PITTSBURGH, PENNSYLVANIA -- I purchased an elliptical trainer with Bill Me Later and have taken more than 6 months of interest free months of payment that are offered. I am absolutely OK with paying interest. My issue is with the payment options with Bill Me Later. My payments are due on the 9th of every month and I have set-up a bill pay with my bank so that the payments are made on the 5th of every month. Last month, I just happened to look at my bill and noticed that for the last 3 months I have been charged a late fee. I called the representative from Bill Me Later to inquire about these late fees and basically the representative gave me a long-winded excuse about my personal bank's policies and how these charges couldn't be avoided. The thing is that the deductions are taken out on the 5th from Bill Me Later, but my statements from Bill Me Later state that deductions take place on the 12th of the month. They are complete and utter liars. Period. I was excited to take advantage of this option because I wanted to purchase an item that I couldn't really afford and the 6 months of interest free payment sounded like a good option.
In the end, I would not use this company in the future. I have wasted a lot of time on the phone with rude, unhelpful representatives.
And the lesson learned is that (1) I shouldn't buy things that I cannot afford and (2) never do business with Bill Me Later again because they do take advantage of people.
I started using BML in October 2012. My first charge was for Toys R US and was a deferred payment until May of 2013. During that time, I used BML for some smaller charges. I made another deferred payment charge with Toys R Us in January 2013 and one more from Ebay in May 2013. I noticed my balance of current charges wasn't getting paid off so I went back and looked over all of my statements.
Well, I noticed that my DEFERRED payments were being paid on every month! The first deferred payment (not due until May 2013) was paid OFF before I received my March/April Statement. My second deferred payment (not due until August 2013) was paid OFF before May. My third deferred payment (not due until December) is also having payments applied. I emailed them and received a response that basically told me I had to call. They told me they were applying my payments according to some credit card act, blah, blah, blah.
They also said that payments will start being made on a deferred payment if it is within 1-2 billing cycles of when the payment is due. I called this morning and the gentleman I spoke with started rambling on about my payments. He told me I had to call and allocate how I wanted my payments made. WHAT?! Apparently, a DEFERRED payment takes on another meaning with BML. I told him I wanted the money that was applied to my December payment removed and applied to my CURRENT charges. I also told him how upset I was that I had to CALL before making a payment to make sure the money gets applied to my current charges. He told me I didn't have to do that since my deferred payment wasn't due until December and it didn't fall into the "1-2 billing cycle rule" and that all payments would be applied to current charges.
I had to reiterate that the purpose of my call was because that payments ARE being applied to the December deferred payment so that "1-2 billing cycle" rule doesn't apply here. He told me he would have to call me back. I feel this company is very deceptive. If a payment is to be deferred, then payments being made should be applied to current charges and not deferred charges until the DUE DATE that is listed. I had been making extra payments so I could pay off my current charges.
I am very frustrated and irritated as I now have to make EXTRA payments to pay off current charges that should have already been paid off but were instead applied to deferred payments. I will never use this company again.
EL PASO, TEXAS -- I had the same experiences as other reviewers. I had my Paypal account, then I enrolled in Bill Me Later. They were supposed to send me statements for my purchases. But, they didn't until they were past due so they can charge me interest and late fees.
When I use my Paypal, beware, they don't ask you if you want your credit or bank set up in your Paypal account or if you want to use Bill Me Later; it just automatically goes to Bill Me Later so they can charge you late fees and interests. I called them and was told that this was just the way the computer is set up.
So I would not recommend this service to anyone. Just a big headache and time-wasting. On second thought, I may recommend this to my worst enemies.
NEW YORK, NEW YORK -- I would not recommend it either, I used their service once and it was the worst experience I've ever encountered. I wanted to dispute an item but because it was unauthentic but since it was out of the time frame (by 2 or 3 days), the dispute got declined. I resubmitted it multiple times only wanting them to contact the seller but all their responses were "I'm sorry there's nothing I can do" even the supervisor said that. Not only that, I got charged $300 in interest after 6 months, thinking that my account was on hold. I wanted to talk to their corporate but there no number, the only thing you can do is write a letter and fax it in. Did that and it got declined, I asked them to explain the reason again the representative said it's pass 6months and "There's nothing I can do from end".
I realized there's not a lot they can do for you. It's been a very frustrating half year with them and not only do I have to pay over 2k for an unauthentic item but an additional $300 interest charge, definitely one of the worst customer service I've ever experienced. You would be better off getting a credit card with 0% APR and they offer better service.