NEW YORK -- As a Member of PayPal for many, many Years, I opened up a Bill Me Later PayPal 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 thn 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 PayPal 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 PayPal Customer forever, and they could not answer me in one sentence. I got the runaround, 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 PayPal everyday 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 unlock/unblock 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 accepted my early payments with no problems", They said: "Correct we Agree".
I was then Told to fax: my Driver's 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 PayPal, 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 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 ** 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 PayPal, 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 PayPal, 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.
I have had satisfactory use of Bill Me Later in past. My balance was paid in full. Attempted to use at Christmas and payment was run through my bank account instead. Attempted again and once again ran straight through my account. I called customer help and my only advice was to send package back and attempt to again use Bill Me Later. I don't think so. If I wanted to run the payment through my account I would have done so and not chose the Bill Me Later tab. Closing my account with Bill Me Later because it's just not worth the mix up.
CALIFORNIA -- I complained to Bill Me Later (r) that I always pay my bills on time, and that I didn't know how my payment on PayPal got routed in this direction. To my knowledge, I never gave my permission and never received a statement. When asked about what my balance and specific charges were, Josh couldn't give me the source of two of the charges. He said they were 6 months before I found out they had occurred; instead I also owed on something I paid by a previous credit card.
When asked why I wasn't charged interest, he said it must be because of a promotion and that I had until April 2014 before my charges would occur. All this information was wrong; I canceled my Bill Me Later, which had to be done on the phone. I think this company for should be investigated for misleading the public.
ATLANTA, MAINE -- I have used PayPal for years. It was a good and fast way to pay for products in a safe manner. But PayPal began their Bill Me Later program and, at first, it appeared to have some usefulness. As time went on, they began to change their entry choice field to make Bill Me Later to be the default circle choice and by doing so get the consumer get in debt when the consumer's intent was to pay directly through the credit card. Once you inadvertently don't change the default, you end up in their quagmire of weird payment times, amounts, and you have to call to get it corrected... if you can.
The default change I believe is a subtle variation on the "bait and switch" and may be illegal... but this company probably has very good lawyers to just get by the intent of fair practice. If they are honest, they should clearly make the default PayPal and the other choice, Bill Me Later, as a condition to be chosen specifically by the user.
ATLANTA, GEORGIA -- I wanted to pay this account off in full. I called Bill Me Later to verify that my online statement balance was the correct balance on my account so that I could pay it in full. The assistant assured me that was my correct payoff. The assistant then took my payoff. The next day that payment cleared my bank. I go look at the statement to be sure it was at a 0 balance and it was. Days later I received a new statement stating I owe them another $100.00. Really?! Bill Me Later!! Never again! I do not recommend them to anyone. Please take this advice.
I am an honest person and believe in doing the right thing. At the payoff time I would have paid that balance if I owed it. I do not feel I owe them any more money. I also contacted the merchant and the merchant also assured me I did not owe them any more money. They have not heard the last from me.
TIMONIUM, MARYLAND -- I regret applying and getting approved for a Bill Me Later account. I have been using PayPal for years; transferring, paying and receiving money, and making purchases every month with no problem at all. My transactions were detailed and in plain sight, easy to read, etc. PayPal kept showing this advertisement asking me to apply for Bill Me Later. I finally did. It has been a nightmare since then. The moment I choose to use Bill Me Later, the money comes out of my PayPal account and my Bill Me Later account...both, then credited back to my PayPal account later, on the same transaction. It is too crooked, too misleading and completely unnecessary.
When dealing with the service on the phone, they have been nothing but total idiots; obviously with no skills at all. They need to be shut down. Their business is crooked to say the least. I was given a measly $1250 limit when opening the account last month. I used nearly $1100 and paid it off right away. The spending/usage experience with extremely unpleasant from the beginning. This company is a SCAM!
TIMONIUM, MARYLAND -- I made a deferred purchase in May 2013 and then made various charges each month. For several months, all was fine. I paid off all the new purchases and a little towards the deferred purchases. Then suddenly months before the deferred purchase promo ended I am being charged interest and the separate promo value seems to have disappeared. I called once and got the interest charges removed. They had mistakenly used my last payment towards my deferred purchase first rather than my new charges (despite doing fine for several months).
The customer service was frustrating, the lady went on and on before she understood the problem. But even though the interest was removed, the website still had my promotional value tied up with my new charges. I called again and the customer service person was very nice, but after several days the problem still had not been fixed. I called again and again got a customer service person that goes on and on without understanding the problem.
I finally spoke to a manager who was helpful and HOPEFULLY the problem will finally be resolved. This is the only time I have had a problem with a credit card and from other reviews this seems to happen a lot with BML. Either the company is trying to defraud customers or they are incompetent. I strongly advise people to not use BML.
MILTON, FLORIDA -- I accidentally paid my $288.10 bill. I meant to make a payment of $100.00 and accidentally paid $1000.00. I was on medication at the time and made a mistake. I paid the bill and it was cashed on August 12th. I called on August 13th and was told that the check for the difference of $711.90 would be sent out that day and I would have it by Friday the 14th... Monday at the latest. I didn't receive it on Friday and called back, check had not been sent out. Told it will be sent out that day! Didn't receive it on Monday the 19th and called back. Check was sent out. Still didn't get it and I still had a 711.00 credit on my account so I figured it was not sent.
I spoke with a manager and was told it was not sent out and it wouldn't be sent out for till the 29th of August!!! The check had already cleared and they wouldn't give me my money back! "We will make an exception and send it out today." Nope credit still there the next day. Called on the 21st and they said it was sent out that day. It is now the 27th and my money is still not here.
I have bills that are now past due and they will not do anything till 30 day after the day the check was sent. When was it sent??? This is my money... not theirs to do what they want with it. Also, they are changing banks at the end of the month and I believe that they will not give me a check and pass the buck and then I will be lost in the shuffle.
Bill Me Later was created by Paypal to make money. Obviously, that's the point of being in business. But it's a free service. How do they make money on it? Two ways, late fees and interest. When they designed this "totally free" Bill Me Later program, they designed it not just to maximize the number of people who use it, but to maximize the number of people who are charged late fees and interest.
Paypal's methods when "asking" you to sign up for their Bill Me Later (BML) program are absolutely ridiculous and underhanded. Since they began offering BML, it seems like I've had to be very careful not to ACCIDENTALLY sign up for the service. Every time I use Paypal now they will sneak one or two opportunities to join and use BML into my payment process, which wouldn't be a problem, but they really and truly try to be sly about it.
The BML language will be small and easy to miss, the yes box will be highlighted, the check box will already be checked and you will have to un-check it, and so on. BML is really a line of credit, and any offer to open a line of credit should be very clear and should not be slid in their when I'm simply trying to purchase an item with money that I have.
Apparently their slyness worked on me, because a couple of weeks ago I accidentally agreed to sign up for BML! Of course my own negligence is largely to blame for the mistake, so I was upset with myself as well, and I decided that I would continue using Paypal, but avoid using BML. Well today I made a purchase on eBay using Paypal, and I accidentally made the payment using the BML service! I did not know until the purchase was done that I was using BML, and I certainly never knowingly chose to make BML my preferred payment method.
So I went to the Paypal website with the intention of paying off the balance. When I sign in, my account overview immediately comes up showing the purchase I had just made, and under "payment status" it simply says "completed". At this point I was confused because I expected it to say "bill me later" or something like that, reminding me that I still have to pay for it, but it was really made to look like I had already paid for it.
When I clicked on the "details" link for the transaction, it was a full page and a half that said nothing about BML until the very bottom of the page. I clicked on a very small link there at the bottom of the page that said "schedule a payment", which took me to the BML payment page. Finally, I can pay for this stuff and be done with it!!! But no... it says there is no payment due, and I cannot make a payment until a payment is due!!!
Paypal says that BML is a free service, and there is no way they would try to push a program on customers if they were not going to make any money off of it. It is not free. Read some of the other reviews on here. They want you to use it, they want you to be late on paying it back, and they really want to charge you as many fees and as much interest as possible!!!
I know some people think it's OK for businesses to do anything they want to make a buck as long as its technically legal, but when a business tries to trick me into using and defaulting on a line of credit just to squeeze some late fees and interest out of me after I have been a loyal customer, then I will do business with them no more.
SPRINGFIELD, MASSACHUSETTS -- Bill Me Later (i.e. I4 or "Idiots 4ever") may be one of the worst-run organizations since the Soviet bloc collapsed. Here is my saga with this Citi, Chase, CIT, I4, etc.-backed loanshark. I bought a GPS from OfficeMax on 11/26/2006 and opened up a Bill Me Later account at that point. Product was $229.99, $241.99 after MA tax/shipping. I returned the item and OfficeMax (a great company) immediately issued a credit for the full amount ($241.99), including shipping and tax. Outstanding service on their part.
OfficeMax told Bill Me Later about this credit to my account, but Bill Me Later decided to start adding late fees. This is despite the fact that the only product I ever bought on their service was returned for a full refund. Yet the Bill Me Later braintrust could not resist billing me late payments and interest ON late payments and interest. I called and asked what purchase I was late on paying and they went "Well, Sir, I's thinks this a problem." Could we speak some regular English, please? Anyhow, a rep took off everything and brought it down to a $0 balance (as required by the credit agreement).
So I got another bill with ANOTHER late fee and interest after this was supposedly fixed. I called a rep and was told that the notes showed I was correct and this should be fixed. So the rep again took off the charges and offered to close the account. Yet ANOTHER bill arrived with MORE charges. I finally asked to talk to a supervisor who again took off all the charges. She said that this would be the end of the matter and apologized. SO, now, over a year later, Bill Me Later has once again aced its SATs by putting me into collection with Penncro and Associates. I almost laughed when I called Penncro and found out that Bill Me Later was after me for $120 or so.
The Penncro person asked for proof of the return and I had OfficeMax fax it right over (they seem to be the only ones who cared about the customer). The Penncro rep also suggested that I deal with Bill Me Later directly. Fair enough. So I called them up and Bill Me Later's work-release staff told me that there was nothing they could do because the account was charged-off. I talked to a supervisor who said the same thing.
She didn't know where her boss was at the moment, so I couldn't go any higher. I said "So you initiated the collection but you can't stop it?" They said yes and agreed that I didn't owe anything. But they didn't offer to contact Penncro and said that they had no access to my account. They told me to contact Penncro again... just circles and runarounds. I checked my credit report and there is an inquiry from Penncro a few months ago. Great. Now the remedial reading staff at Bill Me Later is going to affect my credit score too.
These Bill Me Later fools wouldn't talk to me about my account? Yet they send a collection agency after me without being able to review my account? They had a collection agency call me at home, so I called up their entire Executive Board at their private office lines and left voicemails. If you call me at home, expect the same in return if you are in the wrong. Oh, the internet is a wonderful thing. I have an attorney who says that I'm on rock-solid ground. I have documentation that cannot be disputed. I will do whatever it takes to get this straightened out and to ensure that everyone knows how Bill Me Later has misbehaved.
It's always good to know the producer of a major network news magazine. Bill Me Later promised to fix my account three times and all three were lies. Now they are trying to collect based on an order that was returned. The merchant is on my side! I gave the Nobel laureates at Bill Me Later so many chances to resolve this... they only have themselves to blame. I have spent so much time on this that could be spent on other things. Now I see that I may be paying higher interest rates due to their credit inquiry.
How do you spell L-I-A-B-L-E? Maybe I come across as harsh, but what did I do wrong? I ordered something, followed the return policy (which the merchant gladly honored), got a credit, and moved on with my life. Maybe I should have sent a babysitter over there to keep an eye on my account. You can't mess with people's credit and expect them to take it sitting down. They should send me a $500 for the trouble.
If you think that this is as big of a scam as I do, give their CFO a call at (443) 921-1900 x. 1922