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Billmelater Nightmare
Posted by on
I have used Billmelater religiously for the past couple of years and have really enjoyed it. But recently I have come under hard times and am now jobless (Not by choice). I missed one payment and that resulted in a $25 dollar late fee. The minimum payment which is normally only twenty dollars increased just a tad. I contacted them and of course explained my situation. I was completely penniless and their really wasn't much I could do. Fast forward two months later, two more $35.00 dollar late fees and now my minimum payment is $120! I finally received some money for Christmas and contacted them. I am routed to India or some other off shore location and am told unless I pay immediately there is nothing that can be done. I explain my situation and the lady or gentlemen, like a broken record will say, "Are you going to pay with check or by credit today?" Even after explaining the whole situation.

So, they will not lower the payment so that I can make one and get back on track. They will not remove any of the late fees (Which keep stacking up). I'm not really sure what to do. A lot of other credit companies have late-fee waiver programs for people who are unemployed or in financial hardship...but not Billmelater.

I'd like to speak to an actual person from this country who can remove the late fees and put my minimum payment back down to a reasonable and fair level. No one can make a $120 payment on Christmas money! Otherwise, I'll have to call the Office of the President of Billmelater or contact the attorney general. At this point. I don't know what to do.
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werelucky on 12/20/2010:
Your best bet is to get a job, any job, part time, full time, one two three or four of them and pay your bill off. There are jobs out there. Some may not pay well, but a little pay is better than no pay. The only person who can fix this is you.
MRM on 12/20/2010:
Agree with WereLucky, get any job to pay the bills.
Anonymous on 12/20/2010:
wow yeah THAT'S really helpful advice.
trmn8r on 12/20/2010:
I would not waste time calling the Attorney General to complain that a company does not have a "late fee waiver program". Just from the name BillMeLater, it sounds like they have already waited for their money. They probably don't want to wait any longer.
Ajoyshop on 12/22/2010:
trmn8r, you are way off base. They have not already waited for their money. I have had this account for over 2 years and have paid it on time. The situation is that I lost my job of 3 years and am in hardship. And to the person up above. I took one of those "Part-time" or "temporary" jobs and they're just that temporary. The jobs are not out there and probably should have mentioned that I have a medical condition stemming from a car accident. I am actually in the process of applying for disability. So it's not as easy as tightening up my bootstraps and getting a job. It's easier said than done.
momsey on 12/22/2010:
It is much easier said than done to get a job. When I left my job to stay home with my son, I applied to all sorts of part time jobs (Target, Starbucks, Babies R Us, etc.) I only got one call back, from Starbucks, and I didn't get the job.

That being said, the bill is still your responsibility, unfortunately. The Attorney General is really not going to help you. And a person in this country will probably not help you anymore than the overseas reps. Your best bet is to find some way to pay the bill. I'm sure you have plenty of other bills, but this one will not go away.
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RoboSigning (what Bill Me Later does) is Illegal.
Posted by on
Rating: 1/51
SAN DIEGO, CALIFORNIA -- Being "eligible" for BillMeLater apparently means it defaults your payment to BillMeLater (A service I never consciously signed up for). Robosigning is illegal. If millions of people check a box thinking its a simple agreement, when really it is going to charge them potentially hundreds of dollars for purchases they could otherwise make wish ease, it is called ROBOSIGNING. Illegal in business Law. I see hundreds of class action lawsuits and thousands of people getting together against BillMeLater, a service that is making PayPal look bad, and almost impossible to use. Instead of a 50 dollar payment going through, BillMeLater takes care of it for you! And Instead Bill Me Later charges your payment, plus interest, plus a bunch of other information it doesn't reveal on the website. Furthermore, when I go to try to pay off the hundred dollars BillMeLater is trying to steal from me through the PayPal website, the funny thing happens. I click on the BillMeLater link to try to clear it up, and it says I don't have a BillMeLater account, and I need to sign up for it in order to check how much I already owe, so I can figure out the amount. So this Billmelater Company, hundreds if not thousands of people owe money to, is a company leeching off people signed up with PayPal. Most people charged by Billmelater are NOT even signed up with Billmelater, but got scammed by PayPal.
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No paper bill till after two months - However they are happy to slap you with late charges.
Posted by on
Rating: 1/51
$70/- worth of items bought on Ebay. I usually use Paypal - however for some reason - eBay/Paypal was pushing me to use BillMeLater. I did buy one another item before using BillMeLater - but had scheduled payment immediately.

This time I forgot - my mistake - but they never sent me any paper bills till after two months - when the $70 item became $134.

$4 in interest charges + $25 first month late fee + $35 second month late fee.

I paid them in full and called them to waive at least one month's late fee. No. They cannot do anything.

So don't use these guys.
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Anonymous on 02/02/2013:
I use eBay and PayPal quite frequently and I would have to disagree that they push you to use bill me later. I get e-mails from peddling the service but I don't consider it anything but an e-mail. When I start the process of paying for an eBay purchase, yes the little bill me later ad is there but its really just another option of paying.
As far as the paper bills, the thing is, a lot of companies are getting away from paper bills. And in situations like this, I don't think you need a paper bill to tell you that you owe money. They may not have sent a paper bill, but I can almost guarantee they sent an e-bill. So I really see no fault on their part. If they send a paper bill, people still claim they never got it. If they send an e-bill, people still claim they never got it, It would be nice if they granted a one-time waiver of the late fees & interest but what it all boils down to is that you forgot to pay the bill and they are not obligated to waive those fees.
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Why did I even open this account?
Posted by on
Rating: 1/51
On 2 separate occasions, they have denied purchases from eBay citing the addresses on file did not match when it is automatically populated by the site.

When you call customer service, they ask you questions that fringe on being scary. They asked me the month of birth for an estranged aunt which they said "I was tied to through public records" although we have never shared the same address, state, and especially not a financial transaction with. I have no clue what this information is and further more, how did they get her information? Some FBI database?

Secondly, they asked the birth month for a cousin on the same side of the family???

This whole conversation shook me up because neither of these people are tied to me and they would not even talk to me about a purchase I was trying to make (for $23) until I gave them the answers. They told me that now my entire account is shut down until I fax them a copy of my drivers license.. how does this prove anything if I am actually a thief? and the answers to the questions (which I could probably get by using any people search service since they gave me the full legal names..)

Security is one thing, I have a hand full of credit cards, but this is going to far. I will be paying off my balance and not doing any more business with this company.
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leet60 on 09/05/2012:
It sounds as if there may be information for others (relatives) with the same last name showing on your credit profile. I would recommend you obtain a copy of your credit report from all three reporting agencies for review. How the information landed on your profile may always be a mystery, but it does happen often.
copper_works_ on 09/05/2012:
Sounds like they are cross referencing with a genealogy site. I wonder if they are they getting information that way? I don't think most people know right off hand birth dates of extended family.
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Claim For Service Provided Without Proof Of Something Never Bought
Posted by on
Rating: 1/51
ATLANTA, MARYLAND -- I received a bill from BillMeLater, a company I never used, nor in fact ever heard of. When I asked them to provide proof for the item I had purchased from PetCo, they sent me to another company, who in turn could not produce any proof that I purchased this item. They told me I had to go to my police department and say I was the victim of fraud. I did and told the police I was the victim of fraud by BillmeLater. I also wrote to the US board of victims for internet fraud to report BillmeLater as a fraudulent account. I await their reply. Users beware. Do Not use this source. Use PayPal. This is an account that only pretends to be part of PayPal and gets innocent people to pay annoying bills just to get rid of them. Write to any authority or contact any any person to report this scam operation, so no one else will be bilked out of money.
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bill on 05/18/2012:
Bill Me Later is cheating people. This is what they saying on they website in HELP section:

How was an unknown party able to improperly access the Bill Me Later marketing file?

Unfortunately, an outside party was able to defeat the security measures put in place by one of our third party vendors, an email database management firm, and they were unable to protect the information you provided to us for marketing purposes. Law enforcement authorities have been notified and are investigating the matter.
The breach did not involve any Bill Me Later systems or those of our merchants and the information accessed cannot be used to make fraudulent purchases(hmmm...)

This is what I got, based on my information(the actual list is a waaay longer):

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Double Billing
Posted by on
Before Dec 2010 I was ordering through BillMeLater and Paypal also. I paid in full all billings at BillMeLater have paperwork to verify. I continued ordering through Paypal and paying directly through my bank. I did not get further billing until April from bml. Then I got a bill and a demand for payment for items I had ordered and paid for through Paypal I was being double billed. I have attempted correct bml but they will not listen and are now charging $35 MONTHLY LATE CHARGES AND INTEREST ON items ALREADY PAID FOR. They claim they had the right which they did not. I have documentation for all this. I refuse to respond to attempted extortion and am waiting for a suit to be filed.

As a retired atty I can deny and counterclaim with the best and I will add paypay as co-defendant since pml is a subsidiary or etc. I will claim both compensatory and substantial punitive damages unless my record is cleared and the daily collection calls stop immediately.
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azRider on 06/06/2011:
man, you got to love those attys. punitive and compensatory damages for late fees. go for it and let us know how this works out for you. be sure to update your progress so others here can learn how to get those damages.
trmn8r on 06/06/2011:
Yes, I wish you the best of luck engaging in legal action with PayPal and BillMeLater.
Churro on 06/06/2011:
Well Bank of America is much larger than PayPal and BillMeLater yet a homeowner was able to foreclose on Bank Of America. ( ) .

These companies get away with this crap because too many people are content to bend over and take it and THEN smuggly poke fun at those who stand up to the likes of these crooks. What can you say about slaves other than I don't want to be one.

Fight the good fight man. Don't take crap from anybody.
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Con job
Posted by on
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Whiteduck on 03/30/2011:
You ordered something you didn't receive and the people you ordered it from are working with you, if I got that right.

Instead of hammering Bill Me Later, why aren't you attacking the people that evidently billed you through BML but didn't send you anything? Was this a return?

A little more info would be helpful...
korey669 on 03/31/2011:
the company I ordered from does not use bill me later. the merchandise that they are charging me for was never ordered and no merchandise was ever received. so, ofcourse, there was no return involved
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BILL ME LATER - They DO NOT report to the credit bureau!!!!
Posted by on
I worked for Bill Me Later in collections. You might no know it, but the DO NOT REPORT TO THE CREDIT BUREAU! Wow, if they don't report, then the moral is I guess you don't have to be in any hurry to pay. Right? Just hang in there till they want to take more aggressive action.... hummmm
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SSDI Receipt. Shawn on 08/07/2013:
This is true. I became disabled 6 months ago and have been unable to pay my bill. This was never reported to my credit report nor was it even on my credit report. My credit score is still good. I plan on repaying 50% to settle my account soon. They killed me with late fee's thought. I tried to settle sooner but they told me NO. Guess they had to add all those fee's first!
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Personal Information Unsecured
Posted by on
OMAHA, NEBRASKA -- BillMeLater....starting with their customer service: the agents who answer the calls "hear" you but do not "listen" to you! I had difficulties making any kind of purchase on-line because the "birthdate" did not match their records. Every time I'd call and correct this only to go through it the next time I tried to make a purchase! The "script reading" agents cannot answer any question out of their guidelines and therefor cannot solve any problem. If you ask to speak to a supervisor they get very defensive and ask you for a number where you can be reached.....which after going through this process several times, no supervisor has ever called me back in any situation and I just have had to keep calling!
I, Me, MYSELF closed this account over a year ago and keep receiving correspondence from them, "updating" the terms on my account, or "denying ...." some purchase request???????? I call them again to remind them this account has been closed, to make sure it is no longer active. OK.
Months later I receive a letter stating that THEY are closing my account due to my credit report?????? I call them again...and it seems to be cleared up at that time,.. NOT!....because yesterday I receive a letter again referring to changes on my account blah, blah blah....Whose account? Now the're sending mail to my place of work... I call back and sure enough I get a robotically perfect agent who keeps asking me for my ss# and my date of birth while I don't even have an account with them! They keep your information active on file for anyone to access at any time! Of course she never transferred me to a supervisor, I didn't expect at this point anything more from her!
I don't owe them money. I haven't used them for any purchase for two years. I closed this account. BUT THEY WON'T LET IT GO, NO MATTER HOW MANY TIMES I CALL THEY KEEP HARASSING ME WITH THEIR LETTERS AND KEEPING MY SS# AND INFORMATION ACTIVE!
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Alain on 09/13/2010:
This sounds like a site with lousy security. You're going to want to monitor it until you are sure that your account stays closed and isn't reactivated for any reason. Meantime, keep on sending them correspondence (save documentation) until you get some sort of response confirming your account closure.
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OMG I have been robbed!!!!
Posted by on
I made a purchase through BillMeLater and well I never got it, canceled said order on July 3rd 2011 and guess what it has never been credited to my account, I am making payments on something I have never seen!!!! What the heck, I thought that was actually illegal, guess not. I am so upset contact the Missouri attorney generals office. Hopefully now something will happen.
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Anonymous on 08/02/2011:
Bill Me Later was acquired by E-Bay in 2008 and is a Pay Pal company.

Under disputes on their T/C's:

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the Purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact
us in writing or electronically at:

Bill Me Later, P.O. Box 5018, Timonium, MD 21094

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
Jay on 08/02/2011:
I have seen many complaints about people being billed for merchandise they either never ordered or never received. A common thread seems to be many are indicating "I am making payments...", as in this case. I cannot imagine myself making payments unjustly to any company.

If you are making payments for the sole purpose of saving your credit rating I would follow just_cause's advice. If that does not get your money back the file a small claims case against them.

Do not sit back and let time pass. At the first sign of sandbagging FILE!
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