"Bill Me later" will end up "Screwing-You-Later" if the situation arises. Here's what happen to me. Bill Me Later has this sweet deal. You buy your stuff and they defer all payments and interest for 6 months on selected items. I couldn't resist so I bit. Well turns out I'm the sucker fish now.
One of two of my laptops went south a week after I had it. The vendor agreed to have it exchanged. The way they do it is, they process the return and order another one as new. When they went to charge the new one on my "Bill Me Later" account it was declined. I have an A++ credit rating across the board. I have more credit than I'll ever use and when I do use it, I've never missed a payment. Oh yea I'm employed and I make well above the average salary. So what's the friggin problem here?
Hp was nice enough to call "Bill Me Later" with both of us on the phone and they flat out refused to allow the transaction to go through stating that I didn't have enough credit history with them to allow another $2300.00 charge on my account. Well if that's the case, then why did you allow the first one go through for $4500.00+!! This is without a doubt the most insulting company I've ever dealt with.
The follow day I got an email from them stating that they're not a credit company and they don't set credit limits. This tells me that they didn't even attempt to get it authorized; rather, they just denied I for no apparent reason. I guess they don't bother to even call the original credit company that they used for me for an approval. What kind of crap is that?
So be that as it may, I wiped out a credit card and charged the new laptop on one of the six on Visa credit cards I have. So because of this, now I lose big! Instead of having deferred payments and interest for 6 months, I have to belly up the cash to pay off one of the two laptops by the end of the month. Never again will I ever use “Bill Me Later”. It's not worth it!
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.
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's 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 past 6 months" 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 inauthentic 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.
MANCHESTER, NEW HAMPSHIRE -- I have had two bad experiences with Bill Me Later and hope to never do business with a company like this again. They are clearly a corrupt organization who uses deceptive advertising and Bait and Switch tactics to lure their customers in and then screw them out of as many fees and as much interest as they can. I don't want to go into much detail because I have written so many complaint letters on the internet, my fingers are sore, but rest assured, this company, WebBank, is deceptive and corrupt. They even tried to claim that it was Tiger Direct who should have honored the deferred interest financing. How ridiculous is that! More appropriate is "Bilk Me Later".
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, I'm 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 I'm 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 digitizer for fixing Apple phone for my daughter for $6.94. I set up to pay out of my bank account. 2 months 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 past due and I owe them 20.94. Original 6.94 plus 2 late fees $5 X 2 and 2 minimum finance charges $2 X 2.
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!
I will add to the reviews of Bill Me Later and their lack of Customer Service and their commitment to steal from their customers. I had moved from an address 2 years from the time I was contacted by their "collection" department. I had made a purchase 6 months prior... they were "supposedly" sending me statements, which I never received b/c I had not lived at the address for 2 years. I find it very hard to believe that they made any timely attempt to contact me.
My purchase was through EBAY/PAYPAL, who in their right mind would think that if you purchased something and you had all your correct info in it that they wouldn't fix theirs or even that they HAD the correct info the entire time. But instead they waited until I had accumulated $40 in int. & $54 in late fees to "try" to find me.. REALLY? THAT'S THE BEST CUSTOMER SERVICE THEY HAD TO OFFER... Thank you "Screw Me Later" I have closed my account and I am going to hit EVERY review I can to make sure everyone knows what POOR business practices they offer. Thank you.
I have been using Bill Me Later and I have had no problems, They have not added any unwanted fees to my account or anything. This is a legitimate credit worthy account for you just be sure and read the small print and yes you can pay by credit card but you have to specify electronic billing or by mail billing. Had a problem with that in the beginning but was corrected promptly upon my inquiry about that, It is not a scam. Read every contract for credit slowly and thoroughly, I am not a dissatisfied customer of Bill Me Later and I do not take kindly to scams or anyone who tries and scam anyone so believe me when I say they are legit.
VANCOUVER, WASHINGTON -- It looks like they have pulled a bait and switch with me. I opened up a Bill Me Later account with the mindset that I would only use it for one purchase at a time and would only use the six months same as cash option. Basically, like my own personal lay-away. It was no problem with the first item, a ukulele, which I paid off in full around two months after I purchased it. The day I paid off the Ukulele, I also purchased a pair of shoes, ON SIX MONTHS SAME AS CASH FINANCING. You can most likely tell what the issue is.
I hadn't looked at the account for two months and my wife said we got something in the mail about pay my bill or be sent to collections. I called and they stated that the item was not a promotional item and that instead of owing 89.96 I owed $ 156.00 due to late fees. Of course the first person I talked with was happy to take off the last financing charge if I paid in full. Nope, asked for a supervisor, which I did get. She stated that the item would be put up for review which is currently in the works. I told her I would call her next Wednesday to see what they found out.
If they jack me around, I will probably get some fees waived, pay it in full, and then ask for a written copy of the dispute, hang up the phone and call the attorney general for my state to be added to the list of people against Bill me later. I will also cancel my PayPal account. No use in dealing with anyone associated with Bill Me Later.