TIMONIUM, MARYLAND -- I regret applying and getting approved for a Bill Me Later account. I have been using PayPal for years; transferring, paying and receiving money, and making purchases every month with no problem at all. My transactions were detailed and in plain sight, easy to read, etc. PayPal kept showing this advertisement asking me to apply for Bill Me Later. I finally did. It has been a nightmare since then. The moment I choose to use Bill Me Later, the money comes out of my PayPal account and my Bill Me Later account...both, then credited back to my PayPal account later, on the same transaction. It is too crooked, too misleading and completely unnecessary.
When dealing with the service on the phone, they have been nothing but total idiots; obviously with no skills at all. They need to be shut down. Their business is crooked to say the least. I was given a measly $1250 limit when opening the account last month. I used nearly $1100 and paid it off right away. The spending/usage experience with extremely unpleasant from the beginning. This company is a SCAM!
TIMONIUM, MARYLAND -- I made a deferred purchase in May 2013 and then made various charges each month. For several months, all was fine. I paid off all the new purchases and a little towards the deferred purchases. Then suddenly months before the deferred purchase promo ended I am being charged interest and the separate promo value seems to have disappeared. I called once and got the interest charges removed. They had mistakenly used my last payment towards my deferred purchase first rather than my new charges (despite doing fine for several months).
The customer service was frustrating, the lady went on and on before she understood the problem. But even though the interest was removed, the website still had my promotional value tied up with my new charges. I called again and the customer service person was very nice, but after several days the problem still had not been fixed. I called again and again got a customer service person that goes on and on without understanding the problem.
I finally spoke to a manager who was helpful and HOPEFULLY the problem will finally be resolved. This is the only time I have had a problem with a credit card and from other reviews this seems to happen a lot with BML. Either the company is trying to defraud customers or they are incompetent. I strongly advise people to not use BML.
MILTON, FLORIDA -- I accidentally paid my $288.10 bill. I meant to make a payment of $100.00 and accidentally paid $1000.00. I was on medication at the time and made a mistake. I paid the bill and it was cashed on August 12th. I called on August 13th and was told that the check for the difference of $711.90 would be sent out that day and I would have it by Friday the 14th... Monday at the latest. I didn't receive it on Friday and called back, check had not been sent out. Told it will be sent out that day! Didn't receive it on Monday the 19th and called back. Check was sent out. Still didn't get it and I still had a 711.00 credit on my account so I figured it was not sent.
I spoke with a manager and was told it was not sent out and it wouldn't be sent out for till the 29th of August!!! The check had already cleared and they wouldn't give me my money back! "We will make an exception and send it out today." Nope credit still there the next day. Called on the 21st and they said it was sent out that day. It is now the 27th and my money is still not here.
I have bills that are now past due and they will not do anything till 30 day after the day the check was sent. When was it sent??? This is my money... not theirs to do what they want with it. Also, they are changing banks at the end of the month and I believe that they will not give me a check and pass the buck and then I will be lost in the shuffle.
FLORIDA -- Bill Me Later has to be the worst company I've ever had the displeasure of doing business with.
Their interest rate is ridiculous!! We have good credit, but if you don't pay off your balance before the promotional deadline, you'll pay 19.99%! If you pay the minimum due, you will be paying forever. I don't suggest this.
For such a big PayPal company, it is hard to believe they use such a primitive online account interface! You cannot schedule a payment ahead of a due date. You either visit the site early, or the day your payment is due to make payment. If you are busy & forget, you pay a late fee. My gripe is, I am incredibly busy! I would like to set up payment for next month at the time I make this months. All my other accounts have this option. Bill Me Later doesn't. No money to be made on people paying their bill on time!
If you have a complaint about anything and email them, you will not receive a response! Terrible customer service!
I have almost paid them off, and will never use them again! They rape you.
ATLANTA, GEORGIA -- 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 & clicked on the terms. It said if I spent a certain amount that it would be 6 months no interest & no payments. So, I thought why not? Anyway this week I received my statement saying that my minimum payment was $25 & 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 & no payments & they responded & 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 & I could e-mail them so they could see & 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 & checked and there is no changes to my account.
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
MORENO VALLEY, CALIFORNIA -- Very inconvenient to change names and have customers get stuck with all the hassle of opening and creating new accounts through PayPal credit. So many technical problems when switching to PayPal credit. This company is really wrongly managed and does not think about customers first.
ATLANTA, GEORGIA -- Bought an $18 product and attempted to pay for it with PayPal. Instead a pop-up for Bill Me Later popped up and the only way I could pay for the item was with Bill Me Later. I thought that's OK, they'll take it out of my PayPal account at the end of the month. Thinking it would be paid automatically, I ignored the mail notices (bad idea). Now after two months of late fees ($35 + $35), I owe $90 for an $18 item. Don't get caught using Bill Me Later.
TIMONIUM, MARYLAND -- How stupid is this? A rejection from Bill Me Later, via letter, to the address used to try to sign up, saying the address was invalid. Is there anyone alive there? Or are zombies sending out the letters. Really, this is the stupidest rejection letter ever.
OPEN -- Thanks for the information. I was offered the $10 USD credit if I ordered an item. Signed up and submitted the form. Some odd message appeared indicating to try later. Received a letter a couple weeks later indicating I could apply online again. No thanks!