Bill Me Later - Page 2

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1.3 out of 5, based on 28 ratings and
78 reviews & complaints.

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Bill Me Later Review - Worst Experience Ever
Posted by on
Rating: 1/51
NEW YORK, NEW YORK -- I would not recommend it either, I used their service once and it was the worst experience I've ever encountered. I wanted to dispute an item but because it was unauthentic but since it was out of the time frame (by 2 or 3 days), the dispute got declined. I resubmitted it multiple times only wanting them to contact the seller but all their responses were "I'm sorry there's nothing I can do" even the supervisor said that. Not only that, I got charged $300 in interest after 6 months, thinking that my account was on hold. I wanted to talk to their corporate but there no number, the only thing you can do is write a letter and fax it in. Did that and it got declined, I asked them to explain the reason again the representative said it's pass 6months and "There's nothing I can do from end".

I realized there's not a lot they can do for you. It's been a very frustrating half year with them and not only do I have to pay over 2k for an unauthentic item but an additional $300 interest charge, definitely one of the worst customer service I've ever experienced. You would be better off getting a credit card with 0% APR and they offer better service.
     
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Jamison on 2013-03-12:
Man... I'm so glad I read about this before I jumped. Thanks for the heads up man...
Cecilia Jayne on 2013-07-22:
Lesson learned today..... read your bill each and every month... I don't know any creditor that allows disputes that far out..... 6 months is a long time
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Deceptive Advertising - Bait and Switch
Posted by on
Rating: 1/51
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".
     
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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 on
Rating: 1/51
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...
     
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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?
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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Awesome to Use
Posted by on
Rating: 5/51
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.
     
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trmn8r on 2012-08-21:
Mt only concern with BML would be about avoiding interest - I always pay my credit card in full so I don't have to pay interest.

A quick glance at the BML T&C indicates that BML also has a grace period, and if that is the case it sounds OK to me. But I would never use a credit card or BML and carry a balance. BML's interest rate is 20% - ouch.
trp2hevn on 2012-08-21:
I used BML when they had a promo for 0% interest plus an acct credit. Paid it off before the promo period expired and not have used it since. No extra charges, and no problems here either.
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Will Wait and See
Posted by on
Rating: 2/51
VANCOUVER, WASHINGTON -- It looks like they have pulled a bait and switch with me. I opened up a bill me later account with the midset 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 layaway.

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 Billmelater.
     
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Nowhere man on 2012-08-05:
I can't tell for sure from your description, but my guess is Bill Me Later acted within the terms and conditions of your contract. It sounds like paying off the first item triggered this:

"End of Promotional Terms. If a part is subject to a special promotional rate or Deferred Interest term which ends as of a certain date ("Expiration Date"), you authorize us to move, on or after that date, the balance remaining in that part to the Standard Purchases part of the Account, and it will be subject to the repayment and interest terms for Standard Purchases."

Whenever banks have promotional "no payments" (more frequent) or "no interest" (more rare) offers, you have to be extremely careful of what the rules are. Basically, banks don't give away things for nothing, so you have to watch for the hook.
upsetinNH on 2013-01-09:
I am equally disappointed with Bill Me Later. I used them this summer to purchase a laptop and had to call and beg to get the promotional financing. I tried them again before Christmas and even accessed the vendor website through the Bill Me Later site and did not receive the promotional financing. I have been disputing the charges for over a month without any satisfaction and I am very upset and feel that Bill Me Later uses deceptive advertising. Stay away from Bill Me Later!
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Posted by on
Rating: 1/51
Bill Me Later never sent me an invoice for the amount I owed them. Months later, when I finally did receive one, there were 2 months worth of late fees on there. I called them, and the operator I spoke with told me the late fees would be waived if I paid the amount owed. I did. Now three months later, they are sending me invoices saying I owe late fees for not paying the late fees. I have tried communicating with them via email, since I don't trust them on the phone, and every response I get is from a no reply email address. They call me constantly, my stance hasn't changed. How can you charge someone late fees for a bill not sent? I am turning this over to my states attorney general.
     
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trmn8r on 2012-06-14:
You can charge someone late fees for a bill not sent, at least in the case of credit cards.

The rub here is that you were told the late fees would be waived. It may be a problem that this was a verbal statement. Good luck.
danie1442 on 2012-06-15:
A rule of thumb is to call a company when you are expecting a bill and don't receive one. Most companies use computerized systems that aren't 100% reliable.

Also, you should always get the name, employee number and extension number of the people you are speaking to when you call companies. If you can't say exactly who told you what and have their information, companies usually brush you off.

Be aware of the, "If you pay us in full we'll do xyz." That is used in some cases just to get you to pay what you owe. Then after you pay, the xyz isn't granted.
geo on 2012-09-28:
Same thing happened to me. No statement from them, they were accumulating late payments without a peep.
Account canceled.
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I'm not even a customer!
Posted by on
So I started getting calls from bill me later on my cell phone, at first it was annoying, mostly because the calls would come and I would wait on the phone just to learn that the call came either after or before business hours. How can a company call you when there's no one there to take your call? I only stayed on the line to explain that the person they were trying to contact wasn't me, didn't live with me, and they had the wrong number.

After a couple days of this I got tired of it and found a customer service number. I finally got to talk to someone about this, explained that I was not the person on the account and that they were calling my personal cell phone which cost me minutes every time they called. At this point I thought it was over, wrong. I get a call the very next day, I talk to someone about the problem again, they saw that it was noted that this was the wrong number and noted it again. I get a call the very next day and talk to someone a third time, this time they told me there was notes on the account stating they had the wrong number, but because they didn't have the right number they would keep calling me until they get the right number.

Now how can you do business like this? I'm obviously not the right person, I don't know the number, I don't even have an account you have no right to call me, and yet you're telling me it's in my hands to get you the right number? To me this just screams fraud, they waste my time and money and have the audacity to tell me I'm responsible to get them the right number? Do your job and get it yourself! Stop bothering me about it! I will never do business with this company ever! I would suggest the same to everyone else as well, unless you like being bullied by people over the phone.
     
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Alain on 2011-09-11:
If they keep it up call your states attorney generals office and report them for harrasement.
jalub hassan on 2012-12-06:
also report them to the FTC. And the FTC operated the national do not call list, so register your phone no. with them. ftc.gov
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Bill Me Later Does Not Honor Promotional Financing Offered Online on Website
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TIMONIUM MARYLAND -- I made a purchase on adorama.com over the required amount of $500 to get No Payments for 6 months through Bill Me Later, where I've had an account for a couple of years. Bill Me Later refused to honor the promotional financing offered, instead putting my purchase through as a standard purchase. After promising to 'investigate" they did not resolve my complaint nor allow me to speak to a supervisor, insisting no 'managers' are available, and I would get a phone call which has not happened. Instead of No Payments for 6 months Bill Me Later put my purchase through as a standard purchase at a staggering 25.99% interest rate -- a classic Bait and Switch technique. They claim since I checked out using Bill Me Later through PayPal I was not entitled to the terms on the Bill Me Later website. Of course, there is not mention of that anywhere when I checked out using Bill Me Later. I will have to balance transfer this amount onto a reputable credit card company after having closed my Bill Me Later account. These people provide no customer service and will not help you after they have deceived you. There is currently a class action suit pending. It appears Bill Me Later is a subjective term and customers should be warned, "We'll bill you when we feel like it and you can't do anything about it."
     
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miss_little_felicia on 2012-05-19:
THIS IS TRUE THEY REEL YOU IN WITH THE 6 MONTHS NO PAYMENT BUT WHEN IT COMES TIME FOR THEM TO HONOR IT THEY DON'T WANT TO!
X-customer on 2012-10-05:
Do not use this Bill-me-later trash. They do not honor their terms. This is a bunch of kids that do as they please. Lies are a common practice with them.
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Bill Me Later Late Fees
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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 You? Heck, We Won't Even Give You Credit!
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SALT LAKE CITY, UTAH -- I have been a BML customer since May 2007. My first purchase was about $400. I promptly paid it off before my deferred payments ran out. Since then, I've increased the amount of my purchase and then paid off my balance in full before the deferred payment timeline ran out. My largest and most recent approved purchase was in the $1200 range. All went fine, and I recently was happy to pay it all off, before my deferred payment timeframe ran out.

Wanting to pick up an anniversary gift for my hubby, and still anticipating my tax refund, I used my BML account on a purchase at newegg.com. The total purchase was just below $500. I was declined. I was really taken aback. I then put the purchase back through for a bit less than $400 and was again declined.

Bill Me Later has the right to decline a transaction for any reason, and I understand that. But this is TERRIBLE service. They are making money hand over fist, as they should be, but not treating their customers with respect or valuing their business. There's no reward for being a repeat customer, and in the past they have said on their site and through customer service that they review your BML history in relation to every credit decision. Well, not in my case.

While I can't prove it, I have a feeling that I have been declined simply because, over the past 2 years of being a client, they've not made a dime from me on interest. Asking Bill Me Later yields only this reply: You tried to purchase something too expensive, lower your purchase amount. Or: It’s the economy. Neither of which make sense if, indeed, your overall relationship with BML is taken into account and is positive.

Customer Service will not help, mo matter how nice (or angry) you become by their inability answer even basic questions. You will only get boilerplate responses and form email replies. And if you call, don’t be surprised if you hear what sounds like a party going on in the call center.

Based upon my experience - I would advise against using Bill Me Later. Use your credit card or debit card, get points and know exactly your credit limit and how the rules work. Let your credit card company report your good behavior to the credit bureaus, as Bill Me Later won't do that for you - and they really don’t care about service. The poor service alone makes the extra few months to pay something off completely not worth it.
     
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Carol25213 on 2009-06-30:
Same here, I been a Customer of theres for over 5 years now and have made 3 purchases from different places ranging from $350 to $500 on all three and I have paid them all off and no longer owe them a Balance and I hadn't used them for a year and a half and I needed some tires so I thought I'd use them to help me buy some tires and I got declined, when I asked why they gave me the run around and wouldn't give me actual reasons, they would just tell me there is usually various reasons for there decisions.
Wolfeschlegelsteinhausenberdorf on 2009-12-30:
I agree with you both buy some people don't know the half of it. "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 then 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 friggen 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 loose 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!
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