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Deceptive Advertising - Bait and Switch
Posted by Normb57 on 01/09/2013
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 to 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".
     
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Posted by ok4now on 2013-01-10:
Just the name "bill me later' sounds like a problem. Anytime you defer interest or payment watch out. I only buy what I can afford now and pay the bill the day it arrives. This way I won't forget to pay it and the creditor can't say it posted late adding late charges. This also helps your FICO score.
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Bill Me Later..And Later...And Later
Posted by Rtniemoth on 10/08/2012
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...the 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.... THATS 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...
     
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Posted by Dukemom on 2012-10-08:
If I understand you correctly, you made a purchase using bill me later and for 6 months you never made a payment and you're surprised that you have accumulated interest and late fees? Is that you're complaint?
Posted by Amy on 2012-10-08:
Statement or not, you knew you owed the money and if you did not get a bill from them within the first month, it was your responsibility to contact them for payment information, not wait 6 months for them to contact you. Not receiving a bill is not an excuse for not paying it. You contact the company owed in that situation and find out what you need to know in order to make a payment. That is how you avoid the situation you are now in.
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Underhanded
Posted by Anprd1 on 08/08/2010
I did not sign anything to have PayPal start using Bill Me Later
yet, Paypal switches my charge over to Bill Me Later.

Paypal was notified that no charges were to be made thru BML, but within three months I had another charge to BML.

I contacted Paypal and was told this had to be handled by BML.
I have since cancelled my long time Paypal account.

I would like to know what monetary connection Paypal has with BML and I would like to know who the principals are at BML.

I have heard that members of the Mormon church run the company and it is being sold to other members of the
Mormon church.

As a former investigator for the Texas State Bar Grievance Committee I have many questions for any individual in charge at Bill Me Later.
     
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Posted by Helpful on 2010-08-08:
Why would the form of owner's religion have anything to do with the complaint?
Posted by jktshff1 on 2010-08-08:
+10 Helpful.
Posted by Helpful on 2010-08-08:
Thanks jktshff1. I appreciate it.
Posted by raven2010 on 2010-08-08:
From Bill Me Later's website:

https://www.billmelater.com/about/index.xhtml?

Founded in 2000, Bill Me Later was acquired by eBay Inc. in 2008. Bill Me Later is a PayPal company headquartered in Timonium, MD with additional offices in Hunt Valley, MD and San Francisco, CA. Bill Me Later is offered through CIT Bank, Salt Lake City, Utah.
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They Are Working Together
Posted by CASSMAN on 04/11/2008
MONTANTA -- May of '06 - Newegg gave my son a $2000 line of credit to purchase computer parts - 6 months interest free.

June of '06 - my son received his shipment - started opening packages - we stopped him -repackaged all that had been unopened - returned to Newegg with an RMA. They waived restocking fees. Promised Newegg a check for the full amount when a corrected bill was received for the opened items that we kept.

Received the following refunds - note the dates of the last three - after the 6 months of no interest has elapsed.

-$169.99 On 7/10/06 (transaction # 1525851281540169609488)
-$383.07 On 7/10/06 (transaction # 1525851918800169609488)
-$199.95 On 1/24/07 (transaction # 1696595835260169609481)
-$129.99 On 1/29/07 (transaction # 1700933781700169609486)
-$208.76 On 1/30/07 (transaction # 1701809765770169609488)

Not done yet:
Final refund issued 14 mos. Later - countless e-mails in between
-$199.95 On 8/15/07 (transaction # 1872043037580176177166)

In doing the math - me not them
$1949.65 - $1292.38 = $657.27
Have never received a bill for less than $1200.00

Talk to Newegg - it's a Bill Me Later issue!
Talk to Bill Me Later - it is a Newegg issue!

Now it is a Penncro issue - they are the collection agency that it has been turned over to - to the tune of $1300 plus. Not that it matters - my son's credit is not an issue due to personal matters I won't go into.

Have been reading all the negative reviews for all 3 companies - amazing they are still in business.

Would be different if we were skirting the issue - but all we have been trying to do, for almost 2 years now, is pay our bill!

Have also been reading about settling for pennies on the dollar. Would they go for that instead of just accepting what we owe.
     
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Posted by MRM on 2008-04-11:
I love shopping at Newegg! Please see my informative review. Never had any problems with them. I will shop with them next week for my computer upgrade.
Posted by MRM on 2008-04-11:
You are probabaly a new customer to Newegg. The negative reviews for Newegg only accounts for %5 of the total reviews and they are excellent company to deal with.
Posted by jktshff1 on 2008-04-11:
MRM, that would translate loosely to a 95% customer satisfaction rate.
That's pretty good except for the 5% they don't satisfy to them is is a 100% unsatisfied rate.
The op seems to have taken the proper steps in resolving the problem to no avail.
Maybe someone here could offer some advise,
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Bill Me Later = Bill Me Forever
Posted by Byebyebml on 01/19/2008
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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Posted by 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.
Posted by jktshff1 on 2008-01-20:
Great well thought out post. Good Luck! VH
Posted by madconsumer on 2008-01-20:
not always is credit a good thing.
Posted by 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?
Posted by 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.
Posted by 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
Posted by 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.
Posted by Kurana on 2008-11-14:
http://www.my3cents.com/showReview.cgi?id=44203

Same thing happened to me!
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The Downside To Alternate Payment Systems
Posted by on 01/08/2008
If you use services like Bill Me Later, eBillme, or Pay Pal's Pay Later, payment options designed to let you pay online without using a credit card. You should be aware of the risks as well as benefits that come with them, writes SmartMoney. The most important thing to consider: as far as FICO is concerned, you're applying for a line of credit (with the potential for high interest rates) when you pay with one of these systems, and your credit score may drop accordingly.

Opening one new account could push a solid credit score of 707 down to 697 for six months, according to Fair Isaac's FICO Score Simulator, which gauges how consumers' actions affect creditworthiness. Even worse: Your score could drop by as much as 100 points if you come close to maxing out the line of credit.

Fraud protection is also different compared to what comes with credit card purchases. Each payment system is different in this respect, so be sure to check the fine print and know what risks you're assuming before you agree to one.

Frankly, we can't see the benefit of using these alternate payment systems except for cases when the customer actually owns no credit cards at all. If you're using it for short term financing, maybe you should ask yourself if you can put off the purchase until you save up enough money to buy it outright. Otherwise, if you're really concerned about online security then it is suggested paying with single-use credit cards, which are available from some banks, stores and now from PayPal.

http://www.smartmoney.com/dealoftheday/index.cfm?story=20080107
     
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Posted by GothicSmurf on 2008-01-08:
Great information! Thanks!
Posted by Anonymous on 2008-01-08:
I've always wonder how those pay later type things worked. Thanks buddy for clearing that up. (VH)
Posted by FoggyOne on 2008-01-08:
Good advice superbowl.

I am looking into the single use credit card - no tie to my regular card, no tie to my bank, not even a tie to me other than my shipping name.
Posted by Principissa on 2008-01-08:
Excellent information Super. I know this may sound silly, but if we can't afford to pay for items outright like furniture and electronics, than we can't afford them period. I see no reason to take out a line of credit for something like a television or an antique off of ebay. If you can't pay cash for those things than you clearly can not afford them and probably do not need them anyway.

Foggy, we have a reloadable Visa we bought from CVS for online purchases. It has no ties to the bank account, no ties to a major credit card, and you can reload it with cash. Rather than put our CC or debit card information online we use that one.
Posted by Anonymous on 2008-01-08:
Great review super and good information. (VH)
Posted by Slimjim on 2008-01-08:
good review, there rarely is anything posted here about these services.
Posted by Anonymous on 2008-01-08:
Thank you! Your comments have all been: "Very Helpful"!
Posted by jktshff1 on 2008-01-08:
Good information, but why not live within your means and not use credit cards. Princi hit the nail on the head.
I really don't care about my credit score, I pay for what I want or need.
Posted by HeatherFields on 2008-01-18:
superbowl,
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
Posted by Anonymous on 2008-01-18:
HeatherFields, doing damage control today? Looks like a standard C&P answer to me as I have no "situation". It was a general info post that looks like it was very helpful to our members. If you would please notice it was a general info post about more than just your company.

"The Downside To Alternate Payment Systems"

So do you just troll sites like this doing damage control all day? I do commend you for not acting as a schill and posting some wild post about how wonderful Bill Me Later is, we thank you for that much.
Posted by sphinxd on 2008-01-23:
On the flip side, my opinion is that this a fairly poorly written article without much thought put into it.

I agree with some of what the article says, although it shouldn’t really be surprising that when you apply for a new line of credit, your credit score is adversely affected, that’s not rocket science.

The people at Smart Money write ...
“Frankly, we can't see the benefit of using these alternate payment systems…” –

Hmmm, not much imagination from the people at Smart Money then, which is probably why I ended my subscription with them a number of years ago.

Here are the benefits from my perspective, as a consumer who does the majority of their shopping online.

1. Convenience – in contrast to temporary credit cards, when I’m shopping online and I see something I would like to buy, I don’t want to have to go to a store, buy a card, load it up with cash and then go back home to get online and make the purchase. Additionally I understand not all cards are re-loadable (Visa gift cards), which therefore means that I would have to repeat the process for every purchase I make. If I have to go to a store to obtain something with which to make a purchase online, it defeats the purpose of the convenience of online shopping, I may as well go to the store and buy the item directly and save the hassle.

2. Financial Common Sense - In the case where you are offered 90 day or 6 month deferred payments when using Bill Me Later, I would rather have my money sitting in my savings account earning 5% for that period of time rather than pay immediately for the item I’m purchasing. It's the same as getting a discount off the original price.

I'll say that Bill Me Later is my preferred method of online payment. I like the ‘one click’ operation and not having to enter credit card digits, dates and the code on the signature strip every time I want to make a payment, and I haven’t had any issues in the 12 months that I’ve been using them. Personally the downside is the limited number of merchants that accept Bill Me Later, I’m looking forward to Amazon providing them as an option this year so I can use it there too. Also, I would like it if they offered a customer rewards program like many credit cards do.
Posted by Anonymous on 2008-01-23:
Odd you just joined and post just one comment on a 10 day old post? Can we spell schill maybe? Hmmmmmmmmmmmmmmm?
Posted by Principissa on 2008-01-23:
Damage control much sphinxd? How long have you worked for the company? Clearly you haven't done much research because I've seen a bunch of complaints about this company. So before you come on this site and start disrespecting the membership try doing a little research to back your claims. And not just the PR garbage the company crams down your throat.
Posted by sphinxd on 2008-01-24:
Wow, you guys are tough … I would guess that's what the stars by your names mean, and for this reason, your opinions must weigh heavier than those of someone who just joined this community. You must be the sheriffs around these here parts … With those rules understood, I'll tread lightly.

Seeing as you both chose to attack me personally, I'll deal with you one at a time, just like a Bruce Lee fight scene :) It's a shame really … but you brought it on yourselves.

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Superbowl said "Can we spell schill maybe?"

Well, I wasn't sure what you meant by that so I had to take the word to the dictionary and found you were referring to a type of European fish … I assumed you were mistaken in your spelling and so I looked for variations, and found 'shill', which is defined as someone who is posing as a customer in order to lure others into a swindle, which is about as accurate as calling me a European fish.

In answer to your question, "Can WE spell schill maybe?" No … I can definitely spell shill … you definitely can't.

You see superbowl? Acting like an all knowing smart alec is more effective when you're actually educated, but keep trying, you'll make us proud someday.

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Superbowl said "Odd you just joined … "

Actually, I attempted to join about a month ago for an unrelated issue with DirecTV, but neglected to click on the confirmation email that found its way into my spam folder, which I did yesterday. So I might not always be the swiftest schill in the sea …

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Principissa said "Clearly you haven't done much research because I've seen a bunch of complaints about this company"

Define "bunch".

If I do a search for Bill Me Later on this site, I count 15 threads started about this company which date back to 2005. Is that a "bunch"? It doesn't seem to be a lot of complaints for a company that is at least 3 years old does it? Do your research to back your claims of a "bunch of complaints".

I've been a lurker on these boards for a long while now, and the boards are full of complaints about all kinds of companies on here, so yes, I'm aware that there are complaints about this company too, and I'm not disputing their validity.

I merely mentioned that I never had a problem with them; I didn't say that everybody has never had a problem with them.

I never had a problem with AT&T or Wachovia either and I think they're great companies whose services I use on a regular basis, does that indicate that I work for them too?

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Principissa said "Damage control much sphinxd? How long have you worked for the company?"

Damage control much what? I'm an 11 year employee of UPS if that's any relevance, does that concern you? Any other personal information you need, you let me know.

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Principissa said "before you come on the site and start disrespecting the membership … "

Which community members did I disrespect?

It's true that I found fault with the article, and I disagreed with others who feel that temporary credit cards are superior to alternative online payment, but I didn't disrespect anyone here.

As Voltaire said "I may disapprove of what you say, but I'll defend to the death your right to say it". If other members would rather use a temporary credit card, that's up to them, I respect that. Diversity makes the world go 'round.

It seems the only people doing any disrespecting are you and your tag team partner there. I was under the impression that the article was posted in order to open a discussion or debate. Isn't that what these boards are for?

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Principissa said "… try doing a little research to back your claims."

Please read my post and point out where I have said anything that isn't my own personal point of view as a user of Bill Me Later, therefore what claims are there to back? I would rather use Bill Me Later than temporary credit cards. That's my claim, and it is backed with the reasons that I outlined in my first post, which you obviously either didn't read or didn't comprehend.

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To the both of you …

What I find ironic, is that you both accuse me of being a shill, yet you overlook the fact that the author of the original article works for a publication whose revenue comes substantially from advertisement of credit card companies, and not so much from alternative payment companies. Following your logic, it shouldn't come as a surprise that the author is steering people away from using anything other than credit cards when making online purchases. Rah-Rah Visa/Mastercard/American Express etc! By the way, you don't work for those companies do you?

Go to their web page and you'll see a big old advertisement for Visa.

For the record: I'm not really "pro Bill Me Later" … I'm more "anti Smart Money" for the reason that when I was a subscriber they wrote an article about an individual who became a multi-millionaire by re-financing his house and taking out loans in order to by a boatload of Qualcomm stock right before they took off. I felt that the inclusion of the article was criminally irresponsible given the fact that their purpose is to provide sound financial advice.

If you decide to reply, please limit your response to structured and intelligent debate pertaining to the aforementioned article, and not disrespect the site by bashing newbies. Try not to take things so personally and accept the fact that not everyone agrees with you.

In closing, I sincerely apologize to any members who feel that I have disrespected them in posting an opposing point of view, that wasn't my intention.
Posted by jktshff1 on 2008-01-24:
sphinxd, ya gotta have a thick skin.
This site is about complaints, compliments and opinions.
This post was well thought out, written and explained and has some good information. No flaming, burning the company in question, just stating an opinion and a pretty good one at that.
People here have a way of expressing themselves. Different personalities and beliefs.
Everyone on here knows that we all agree to disagree.
It a personal. Just seems that way when you are the one posting and "being talked to".
Great Site..stick around, ya just might learn something.
Posted by Anonymous on 2008-01-29:
Jkt, well said. I guess your logic settled the issue, so much for our wordy shill?
Posted by jktshff1 on 2008-01-29:
yea well sometimes I luck out. Thanks
Posted by squeekyHinge on 2008-01-31:
Excellent job sphinxd. Keep em on their toes! I too cancelled SmartMoney and I remember the Qualcomm article and also remember feeling the same way you did. BusinessWeek is all you really need anyway. An occasional dose of Investors Business Daily doesn't hurt either.

Speaking of a SmartMoney article, Superbowl did a great job hitting on important points with this informative however it should be obligatory to direct readers to the article from where he researched this information rather than a mere mention.

http://www.smartmoney.com/dealoftheday/index.cfm?story=20080107

On a personal note I have found that having my existing credit card tied to my PayPal account has saved me the hassle of dispute with PayPal simply by hinting that I would have CapOne handle my purchase dispute if my claim is not resolved in a timely manner.
Posted by nikki712 on 2008-04-27:
I have a comment. Don't use Bill Me Later. I ordered furniture and elected to use BML as my payment source (I already had an account with BML). The company I ordered from filed bankrupcy. The order was cancelled, and I filed my initial complaint in 12/07. BML investigated and removed all charges. In 4/08, BML put the charges BACK ONTO my account. In my 2nd formal complaint, BML ignores my question as to why I have to pay for merchandise NOT RECEIVED. Under section 7A of BMLs terms of service, I am not supposed to be responsible for merchandise if it isn't delivered IN MY NAME and TO MY ADDRESS. This was a solid-granite top dining table and 4 chairs, and would've been delivered via FREIGHT. It's not like it's something that could be dropped off on the porch. BML is nothing but a bunch of frauds. I plan on making as big of a stink over it as possible. Attorney Generals, FTC, BBB, and if necessary, I'll hire an attorney. This is one consumer that won't stand by idly while BML willfully goes against their own legally binding terms of service. I will never use that company again.
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Bill Me Later & PayPal - Do Not Use Either
Posted by Kirouac on 08/17/2010
Be guided accordingly...BML and PayPal are finding ever so creative ways to pirate your money. Most documented problems have been PayPal passing on a purchase to BML. Here is the latter. I went through BML to a vendor website and made two purchases using my BML account. No denial...all approved. Turns out that the money was taken direct from my checking account. Once again, no signal, flag or othewise notification that this was not going on my BML account. This one company flying under two banners are low, sneaky and crooked. Fine print aside..this is an excuse to make your life miserable. Stay away from both!!! Class action lawsuit where are you?????
     
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Posted by Alain on 2010-08-18:
Speak to an attorney (using one that offers free consultation prior to engagement) about the possibilities for a lawsuit. They can advise you if it might have merit.
Posted by jamie menuez on 2013-05-19:
10 year, $10,000 paypal acc. holder, suddenly paypal says I have reached my $2,000 limit and need to be verified. They want my bank account number. (!!?!!) Called them, manager says this is to confirm who I am. Paid my bill in full every month for ever, suddenly they don't know who I am.
I said BS, tried BML and what a mess. Learned my lesson after 1 purchase, so opened a new paypal account to keep my bank account no. private, now those purchases go directly to BML.
Where is the BBB?
This is some kind of a scam, the BML invoice will be an Email, or a snail mail letter that looks like junk mail not a bill......Good bye EBAY, hello Amazon.
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Bill Me Later Late Fees
Posted by Dont Rip Me Off on 02/12/2010
ATLANTA, GEORGIA -- Complaint Description:
In August of 2009, I made the required payment to my account. then at the end of August 2009, I set up automatic payments through my bank, which made my next payment. It was received a couple days early so the computer did not include it for the next month, September. I made my October payment at the end of September, November payment at end of October, Etc... Since it was done automatically I was unaware of the late fees that were being attached. I called on December 29 2009 and was told to send a letter in to their fax, 443-921-1996. I did so and received no reply. Called again on 1/16/10, was told same thing. Faxed again, no reply. 1/26/10 spoke with Debbie, refunded 1 late fee, refused rest, I asked for a manager, was told no and hung up on.

Called back and was transferred to Matt Benson, Supervisor in collections, He made another refund of 1 late payment, but refused rest, and would not let me speak to his supervisor. Called back again and left message for Supervisor to call me. Christine called me back and informed me there was nothing she could do. Refused to give me next supervisors number but said she was Gia and I left message for her to call and she never did. Christine acknowledged fax was received. I sent one on 12/29/09, 1/16/10, 1/26/10.

Called again on 2/2/10 and left message for Supervisor Seth to call, no response. My account is paid in full minus late fees/finance charges for late fees, and they have received a payment for every month without fail, even early, but they refuse to correct this and sent me a bill for $109.92. I called today and was told nothing could be done, refused to give me a supervisor and was told to make another Written request to remove the fees they charged me du to their acknowledged mistake.
     
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Bill Me Later - Is this Illegal?
Posted by Kaymee on 07/23/2009
TIMONIUM, MARYLAND -- I used Bill Me Later about a year ago and paid off the balance. Never heard anything from them. Used it recently to send flowers. Paid the amount of the sale immediately. Received no invoice or statement or notification from them. 2 months later I receive a statement saying I owe them $107.00. Say WHAT! I called to ask what was going on. They told me it's fees from last year accumulated and $25 monthly fee from recent purchase. I paid it off again (fuming) using my debit card. Then BML submitted monthly charges against an old bank account on file that was set up for a one time payment. Since the account has had nothing in it for quite some time, the charges bounced. Now I owe the bank $300 in charges and BML still thinks I owe them. Supposed to get call back from manager. Doubt I'll hear from them. I put in contact info in case you need it (though they were purchased by EBay, so not sure it's still valid). These people su-- and should be sued for dishonest billing practices, usorous interest rates and just plain 'ol thievery! Though the way they built up their company leads me to expect nothing but thievery! http://www.merchanttalk.com/2008/10/06/bill-me-later-fire-sale-to-ebay-prevents-sue-me-later/
     
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Posted by goduke on 2009-07-23:
I had never heard that they charge monthly just to be part of their credit system. Good to know. Hope it all works out.
Posted by tinydancer89 on 2009-07-23:
putting your contact info on a site like this probably isn't a great idea. it might be good to edit that out. you never know who could be lurking.
Posted by madconsumer on 2009-07-23:
did you cancel your contract/agreement with them?
Posted by HFields on 2009-07-25:
I work for Bill Me Later and have come across your comments. I would be happy to help follow up on this matter. Please feel free to contact me at your earliest convenience: Heather.Fields@billmelater.com

Sincerely,
Heather Fields
Bill Me Later, Inc.
Heather.Fields@billmelater.com
Posted by billmelatervictim on 2010-01-26:
I too have been a victim of this fraudulent bunch of criminals. They sent me a bill for something I didn't even order for $22. When I called and asked what it was for, they could not tell me and referred me to Overstock.com (another bunch of criminals) They agreed with me that they had no record of me buying anything from them. I contacted BML again, who finally said they would put the account in dispute until the matter was resolved.

A few days later, I get another bill from Bill Me Later for the original amount PLUS a $19 late fee! AND the notation that they had closed my account for non-payment. For something I never even bought! This isn't even legal. I guess they thought I would cave and pay it because of the relatively small amount, but they are sadly mistaken. It's time for a class action suit by any of their victims here in Georgia.
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Bill Me Later Is A Ripoff Company
Posted by Unleaded on 07/09/2008
Well here's my review of the biggest scam operation I've ever known. Bill Me later, and here's what happened. I got an email dated 7/8/08 from bill me later which says my statement was available to view online. Upon viewing it I see there is a late fee attached for what said that the payment was due on July 3rd. So they send me a payment update 5 days after the payment was due. So with that, my late fee was $19.00, upon which they increased my APR from 19.99% to 53.19%. Very criminal to me and very scammy, they sent me a payment due 5 days after the payment was due and then increased my interest rate 33%.

I have proof too (see below), as soon as I saw that I took a screenshot of it and I also have the email from July 8th which can be shown as the date the email for me to make a payment. They never called my house telling me my payment was past due, nor did they tell me through email either. They WAITED 5 days after the payment was due to tell me this, and I'm always making my payments on time. Don't use this scam operation, matter of fact I'm beginning to believe that all banks or lending institutions are scam operations who don't care about anything more than making a quick dollar. So if you've ever thought of using this garbage service, don't.

I should have just used my CC, which I had the option of doing, but even now I believe that Visa and MasterCard and all these banks are all crooked. Just remember one thing, THEY COULD CARE LESS ABOUT YOU.

They don't care, period, they only want to get your money, never forget this.

Bill Me Later - APR Increase - Ripoff
     
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Posted by Anonymous on 2008-07-09:
Here is a link you may find helpful:

http://www.smartmoney.com/dealoftheday/index.cfm?story=20080107
Posted by Anonymous on 2008-07-10:
53%??? Holy moly! It has been my experience that the Buy Now, Pay Later stuff only means that you have longer to pay it off without some of the interest charges put on it. I did that a while ago with my bedroom furniture and they sent me a bill telling me I had to pay a small amount each month, starting the month I bought the bedroom furniture. Although it pinched a little, I paid them in full that same month.
Posted by DBone on 2008-07-10:
ARE YOUR SERIOUS? You were paying 20% on 15 Dollars!? If you would have paid the 15 dollars you wouldnt have had any fees or charges.
And any company with a the name "Bill me Later" stay away from.
Posted by HFields on 2008-07-10:
I work for Bill Me Later and came across your comment. I'd be happy to discuss this matter further. Please feel free to contact me via email: Heather.Fields@billmelater.com
Posted by DoTheMath on 2008-11-23:
Due to what appears to be a minimum $2 finance charge per billing statement you would get an effective 53.19% APR on a $45.12 balance figured as 2.00/45.12 for a monthly APR of 4.43% multiplied by 12 months for a 53.19% APR
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