Bill Me Later

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Blocked From Using Bill Me Later - Pay Pal Account
Posted by on
Rating: 1/51
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.
     
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Obsfucation on 2013-03-05:
They are being a little disengenuous with you. I suspect they do it to keep from further enraging you but here's what really happened... and it is not limited to just them, it happens everywhere.

What you did was inadvertently fall into a pattern that raised a red flag. All finanical institutions have to follow certain procedures to ensure that their accounts are not being used to launder funds. One of the most prevalent schemes is to purchase items online then pay them off immediately with cash. (albeit electronic) By doing this a perpetrator would have taken funds that could not normally be passed through the banking system, and turned them into funds that can.

They aren't accusing you of anything, but they are required to take extra steps when certain guidelines are met, and this would have been that case.

Personally I would not choose to do business with them, but it would be for different reasons. I don't think their intentioon was to offend you, they were just doing what they have to do under law. And by the way, it's a law that is subject to a lot of interpretation, so they were probably being overly cautious in this case, but not ill-intentioned.
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Should Be "Screw Me Later"
Posted by on
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."
     
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trmn8r on 2011-02-26:
I'd never do business with a company that is called "screw me later". I believe in delayed satisfaction in general, but it doesn't apply to everything.

With 0% offers, you have to be scrupulous about the payments, and the last payment as well. I remember a Home Depot 12 mo 0% offer, and the last month there was a change in date.

You have to open your bills promptly, as this lesson teaches you.
tnchuck100 on 2011-02-26:
These 12 month no interest deals are great. But you MUST be aware of the game and pay it off in the 10th month to avoid their shenanigans.

REMEMBER: In these deals the cards are ALWAYS stacked against you.
wanda on 2013-05-20:
Bill me later rips off the consumer,same problem my statement due date was 5/24/13 went to pay bill on the 20th and was socked with a late fee go figure,why company's want to put their employees with company's like this is beyond me RIP OFF is what bill me later is,if you have to deal with a company like this best to send payment before you have to have it or get your dr.to switch to a different brand under the Wal-Mart plan less headache and no rip off
Tiff on 2013-05-23:
I would never use bill me later! I made a purchase with last month and when I was checking out I saw Bill Me Later and clicked on the terms. It said if I spent a certain amount that it would be 6 months no interest and no payments. So, I thought why not? Anyway this week I received my statement saying that my minimum payment was $25 and I needed to pay the entire amount by the payment date to avoid interest. So, I e-mailed them to let them know that when I ordered it said 6 months no interest and no payments and they responded and said they did not have any such deal with 1800petmeds. Well, I e-mailed them back and told them I had a picture of the 1800petmeds website with the offer on it and I could e-mail them so they could see and that I didn't feel I should have to pay since it said I wouldn't have to. Then, I got an e-mail saying We have received the promotional terms request regarding your Bill Me Later Account. Once our research is complete, you will receive an email notification. Two minutes later I got another e-mail saying The promotional terms request that was submitted has been completed. The changes, if any, to your Bill Me Later Account will be posted within 24-48 hours. So, I waited over the 48 hours and checked and there is no changes to my account.
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Bill Me Later Solves Your Problem LATER
Posted by on
Rating: 1/51
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!
     
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FRAUD!!!!! Beware of being stirred to Bill Me Later without knowing
Posted by on
Rating: 1/51
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!
     
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trmn8r on 2012-10-18:
What the rep said about checking statements is correct, and is the reason only one late fee could be refunded - there is a time limit beyond which they assume you were notified that you were billed for being late, something like 30-60 days.

You have to be careful when using Ebay and PayPal to check where the payment is coming from before you submit it. The last time I checked, PayPal will not let me choose my credit card as the default, but uses my checking account. I never pay from my checking account, so I have to select the CC every single time.

How is this fraudulent?
Cwazychicken on 2012-10-18:
Some places do set up defaults, and got to be careful. One time I was buying something for 5 bucks on Facebook. Well the first option they had available was 100 dollars so not knowing, I clicked OK, they took 100 bucks out of my bank, took 30 days to get a refund. Mistakes do happen, luckily PayPal worked with me. But that's a completely different case. After that, most apps I have played changed their layout but some have not...I just learned my lesson big time. To read before sending.
EricB on 2012-11-14:
I just found out today that Bill Me Later became my default payment method when I used it last month. I couldn't figure out how to change this, so had to call PayPal and they made the change. This is a bit sneaky in my opinion.

I also called Bill Me Later to ask them to reduce my credit limit. They indicated it wasn't possible -- I've never heard of that being a problem before.
Saved Customer on 2012-11-28:
Thanks a lot guys for sharing!
Jimmy on 2013-06-30:
If your PayPal account is set as default and you do not want to use Bill Me Later make sure that you are changing the default payment to something else. From reading the comments it seems that people are in such a hurry that they just rush through the checkout process. When checking out it states what payment you will be using. My advise is to SLOW DOWN when checking out
DV on 2013-07-09:
I NEVER used bill me later but found out I had a balance.

I called today and the customer care rep was HORRIBLY snotty and RUDE!

The WORST customer care I have ever, EVER had!!!!!

I own 3 Corporations
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Not Honest At All!!!
Posted by on
Rating: 1/51
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.
     
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Paul Evans on 2014-06-13:
Read all of the reviews. Not one offers even a hint of satisfaction.... Bill me later is purposefully set up to confuse and compound its unstated interest charges. THIS IS PURE SCAM. ONCE INVOLVED YOU CANNOT ESCAPE OR EVEN SATISFY THE GOBBLING MONSTER YOU HAVE AWAKENED.... DO NOT and nbsp
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Bill Me Later uses bait and switch is an unethical service
Posted by on
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.
     
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trmn8r on 2012-01-30:
The key question is how your purchase of $109 was billed. Did you buy it using some kind of "6 months no interest using Bill Me Later" offer? That timing would be correct, since you bought it in April and were notified of non-payment in November.

My guess is that is what happened, and it may be you don't have to have a Bill Me Later account set up to do it. Evidently on the first use, you just put in the last 4 of your SSN and your birthdate. They are supposed to send you an email *after* your first use with instructions how to register.
trp2hevn on 2012-01-30:
So since you were under the impression that you used PayPal as the form of payment, where did the money go that was sent to pay your PayPal account?
CowboyFan on 2012-01-31:
If the OP kept track of his purchases so closely, how did he not know he had never paid the $109.00? My belief is that when something says "free," "no interest," or "pay later," its never true, and really means you are about to be taken. The rules, exceptions, and pitfalls are so many, that successfully using them is not worth the risk and will not work out as planned. (been there, done that)
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Bill Me Later = Bill Me Forever
Posted by on
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
     
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tnchuck100 on 2008-01-20:
Demand proof of the debt from Penncro and Associates. If this shows up on your credit report demand written verification from them as well. Do all correspondence with both only by certified mail/return receipt requested.

This could be worth considerably more than $500.00. Check with these sites for more information:

Fair Debt Collection Practices Act (FDCPA)
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm#807

Fair Credit Reporting Act (FCRA)
http://www.ftc.gov/os/statutes/031224fcra.pdf

Good luck.
jktshff1 on 2008-01-20:
Great well thought out post. Good Luck! VH
madconsumer on 2008-01-20:
not always is credit a good thing.
Ponie on 2008-01-20:
If you have a so-called attorney with whom you're consulting on this complaint, unless his name is Brodsky I don't think he'd be too happy to see this letter published.

I'm underwhelmed by your ability to get these confidential numbers.

'How do you spell L-I-A-B-L-E?' What (I think) you're trying to refer to is spelled: L-I-B-E-L. Check with your 'attorney.'

I'd be unhappy in this situation also, but wouldn't be so smart-aleky about it. What have you accomplished? More ulcers?
byebyebml on 2008-01-20:
Libel is based on making untrue statements. Truth is an absolute defense against charges of libel. Since I made true statements, I'm not worried.
HeatherFields on 2008-01-21:
I work for Bill Me Later and would be happy to speak with you about your situation. Please feel free to contact me at heather.fields@billmelater.com
Anonymous on 2008-01-21:
Byebyebml, please see the post at: http://www.my3cents.com/showReview.cgi?id=31806. HeatherFields runs around the Internet doing damage control for Bill Me Later.
Kurana on 2008-11-14:
http://www.my3cents.com/showReview.cgi?id=44203

Same thing happened to me!
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Unexplained Late Fees
Posted by on
Rating: 1/51
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.
     
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CeciliaJayne on 2013-07-22:
I have a bill me later account and I have never heard such as this. I pay my bill every month and just like clock work ,what do you know.... NO late fees. Maybe they just don't like you. Payments may not be processed til later however, they still give you credit for when you make the payment on that date.
D Mckinzie on 2013-09-23:
You should have told your bank that you were being charged late fees because they were paying late (yes, I know they weren't, but the bank will fight for you if they are being blamed for you getting charged) and you would like to complain. The bank must comply to certain standards and they are not going to sit still while they're being blamed for your payment "not getting there on time." My bank told me that they can't do anything before-hand to help me, but if the time comes that I'm getting cheated in some way while I'm using my bank account, they will fight for me. Always let them know
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Fraudulent & Deceptive
Posted by on
Rating: 1/51
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.
     
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trmn8r on 2013-07-05:
You have to be very careful with not only BML but other credit agencies in the matter of promotional "deferred payment" offers. I read the disclosure carefully when I used BML for a 6 month no-payment offer, and my memory is that a second purchase could trigger the deferred purchase being due.

I believe if you go back and read the disclosure, it tells you about why your deferred purchase was paid towards prior to the promotional date. I don't agree that the practice is "deceptive," for the reason it is disclosed.

The catch is that something that is "free" *always* needs to be considered with a wary eye - often there is fine print or rules that trigger costs to the consumer.
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Phishing Scam Practice
Posted by on
Rating: 1/51
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.
     
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Obsfucation on 2013-03-15:
The top three companies that I would NEVER even consider doing business with are: eBay, PayPal and Bill Me Later. Collectively they are a cesspool of corporate ethics.
trmn8r on 2013-03-15:
This is not my experience. After adding Bill Me Later, it shows up in your PayPal account as a payment option, but you have the same other choices you had previously - you just have to click the one that you want to use.

I receive a Bill Me Later Statement - I am not sure why you do not.
madconsumer on 2013-03-15:
I agree with Obsfucation. they are sneaky on how they conduct business.

very helpful review, and voted as such!!

I do not see this as the poster did not understand, but more of the sneaky way they do business.
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