CALIFORNIA -- I complained to Bill Me Later (r) that I always pay my bills on time, and that I didn't know how my payment on PayPal got routed in this direction. To my knowledge, I never gave my permission and never received a statement. When asked about what my balance and specific charges were, ** couldn't give me the source of two of the charges. He said they were 6 months before I found out they had occurred; instead I also owed on something I paid by a previous credit card.
When asked why I wasn't charged interest, he said it must be because of a promotion and that I had until April 2014 before my charges would occur. All this information was wrong; I canceled my Bill Me Later, which had to be done on the phone. I think this company for should be investigated for misleading the public.
ATLANTA, MAINE -- I have used PayPal for years. It was a good and fast way to pay for products in a safe manner. But PayPal began their Bill Me Later program and, at first, it appeared to have some usefulness. As time went on, they began to change their entry choice field to make Bill Me Later to be the default circle choice and by doing so get the consumer get in debt when the consumer's intent was to pay directly through the credit card. Once you inadvertently don't change the default, you end up in their quagmire of weird payment times, amounts, and you have to call to get it corrected...if you can.
The default change I believe is a subtle variation on the "bait and switch" and may be illegal...but this company probably has very good lawyers to just get by the intent of fair practice. If they are honest, they should clearly make the default PayPal and the other choice, Bill Me Later, as a condition to be chosen specifically by the user.
ATLANTA, GEORGIA -- I wanted to pay this account off in full. I called Bill Me Later to verify that my online statement balance was the correct balance on my account so that I could pay it in full. The assistant assured me that was my correct payoff. The assistant then took my payoff. The next day that payment cleared my bank. I go look at the statement to be sure it was at a 0 balance and it was. Days later I received a new statement stating I owe them another $100.00. Really?! Bill Me Later!! Never again! I do not recommend them to anyone. Please take this advise.
I am an honest person and believe in doing the right thing. At the payoff time I would have paid that balance if I owed it. I do not feel I owe them any more money. I also contacted the merchant and the merchant also assured me I did not owe them any more money. They have not heard the last from me.
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 through 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 their's 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.
OMAHA, NEBRASKA -- Last week, 12-26-12, I discovered 2 fraudulent charges had been made to my Paypal account. I reported the charges within3 hours of them being posted. Paypal told me my password had been compromised. (No one in the house knows the Paypal user name or password. The password was a 13 character password with capital letters and numbers.) The larger of the 2 charges was posted to my Bill Me Later account. Paypal opened a fraud investigation. On 12-27-12 I called back and was routed to Bill Me Later. I went through the entire story again. They said it was best to close the account. Paypal completed their investigation and credited the unauthorized charges back to my account.
I called Bill Me Later today to get a new account opened. I was informed they could not open a new account because of the fraudulent charges although they acknowledged the charge was credited back to the account. I asked why was I being penalized for a fraudulent charge. They kept repeating they could not open a new account for me because of the fraud. I did not get an answer as to why I, the victim, was being punished for a fraudulent charge and I am the one being punished. All in all Bill Me Later needs to be avoided.
First off, you shouldn't bother with this service since they will do a hard credit inquiry for each purchase. My credit score dropped 17 points after making two purchases totaling $109. Until I signed up with these jerks, my credit score hadn't been under 800 in nearly 20 years. To make it worse, I'm now having to fight them for the $10 discount they offered upon sign up.
This was one terrible mistake to have made and I regret having ever heard of this awful company.