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.
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.
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 inattentive 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."
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 Wayfair 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. Wayfair 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.
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 Bill Me Later on a Friday threatening to send me to collections. I Google Bill Me Later 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 Bill Me Later. Next I try to set up an account on Bill Me Later, this never works. Finally on Monday I talk to a human being at PayPal without help and then Bill Me Later. She tells me I need to set up an account with Bill Me Later.
I ask her "How can I have an outstanding bill from Bill Me Later 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.
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 **, refunded 1 late fee, refused rest, I asked for a manager, was told "no" and hung up on. Called back and was transferred to **, 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. ** called me back and informed me there was nothing she could do. Refused to give me next supervisors number but said she was ** and I left message for her to call and she never did. ** 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 ** 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 due to their acknowledged mistake.