BOSTON, MASSACHUSETTS -- I've been both a buyer and a seller on eBay for quite some time and PayPal has certainly been able to speed things along provided you have included any fees for using the service in the price of your goods. As a buyer, Bill Me Later has offered some fantastic financing options; 6-12-18 months with no handling charges if paid in full by the due date. I'm good at finding these deals and for the things that I want and scrutinizing the bills once I get them. I've noticed twice now that Bill Me Later has offered me extended financing at purchase, only to decrease the time limit when billing time came.
The last time I called them about this they took my information to 'send to accounting' stating that someone would get back with me via email in a few days. Two days later I got an email stating that the complaint had been reviewed and corrections, if any, would show up on my account within 24-48 hours. I waited 4 days to see the results of a transaction that took seconds to complete only to see that they had removed special financing completely.
As it stands now I have a $1300 purchase that should have had 18 months of no finance charges, instead it has been changed to a straight purchase. I've sent an email detailing this each day for two waiting for a response and am moving towards hand writing a letter with a copy of their advertised financing and a list of dates and times of when I've called.
A few minutes ago I tried to make a $10 purchase using my PayPal account. I use it often and change the method of payment to credit card, that way I don't have to manually enter in the number each purchase. I have $40 in my PayPal account which is set to transfer today to my BillMeLater account as a payment. So PayPal knows I have have only $40 earmarked to go to BillMeLater.
The only option they would give me was to charge the $10 to my BillMeLater account or take it from my PayPal account since I had a balance. Sure... take $10 away from the $40 going to BML and have BML charge me for having insufficient funds. Or charge the $10 to the BML account where I already have another promotional balance being paid off and this new one to be resolved. I found it easier to pull out the credit card and punch in the numbers.
I went back through my memo notes in Quicken and found that this same bait and switch occurred with BillMeLater before and I have had issues with PayPal. BML is not a bank, and therefore is excluded from having to operate under the same consumer protection laws as banks do. It seems like the more I use them, the more shady they seem to operate... forgetting to apply the correct promotion and Ooops, we "forgot" and didn't put on one at all when we "fixed" it. Really? Really.
PayPal is a fast and easy way to collect and send money. BillMeLater is a financing option that might be helpful to some. But beware: At best their systems make a lot of mistakes and their people are not trained on how to fix them and at worse; This is the way it was designed to be.
I have used Bill Me Later 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 there 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 Bill Me Later.
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 Bill Me Later or contact the attorney general. At this point. I don't know what to do.
OMAHA, NEBRASKA -- Bill Me Later... 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 "birth date" 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 therefore 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 they'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!
SAN DIEGO, CALIFORNIA -- Being "eligible" for Bill Me Later apparently means it defaults your payment to Bill Me Later (A service I never consciously signed up for). Robosigning is illegal. If millions of people check a box thinking it's 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 Bill Me Later, a service that is making PayPal look bad, and almost impossible to use. Instead of a 50 dollar payment going through, Bill Me Later 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 Bill Me Later is trying to steal from me through the PayPal website, the funny thing happens. I click on the Bill Me Later link to try to clear it up, and it says I don't have a Bill Me Later 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 Bill Me Later Company, hundreds if not thousands of people owe money to, is a company leeching off people signed up with PayPal. Most people charged by Bill Me Later are NOT even signed up with Bill Me Later, but got scammed by PayPal.
$70/- worth of items bought on eBay. I usually use PayPal - however for some reason - eBay/PayPal was pushing me to use Bill Me Later. I did buy one another item before using Bill Me Later - 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.
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 furthermore, 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 driver's 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 too far. I will be paying off my balance and not doing any more business with this company.
ATLANTA, MARYLAND -- I received a bill from Bill Me Later, 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 Bill Me Later.
I also wrote to the US board of victims for internet fraud to report Bill Me Later 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 person to report this scam operation, so no one else will be bilked out of money.
Before Dec 2010 I was ordering through Bill Me Later and PayPal also. I paid in full all billings at Bill Me Later, 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 PayPal as co-defendant since BML 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.
I started receiving a request for payment on a bill through e-mail in Feb. I was not familiar with them so I requested information on what was ordered. They only sent me another bill via e-mail, and so it went every few weeks. I finally received a paper bill with an extra $88.00 added on plus the $30.00 originally they said I owed. I called them and was told it came from PayPal.
I have dealt with PayPal, the company I supposedly ordered from and all were very cooperative. They had no record of this transaction. Bill Me Later would not listen to me. Both PayPal and the company I supposedly ordered from offered to speak with Bill Me Later, but Bill Me Later would not deal with them. It has been one big mess. I never received the merchandise they were billing me for and I have just given up.. They are so miserably impossible to deal with. Stay away from them, if for no other reason than to keep your sanity!!
ATLANTA, GEORGIA -- Over 8 months ago I made an online purchase and used Bill Me Later and when the items arrive we had an agreement with the hardware store to only take 1/2 of the items - they came in a case of 12. We paid at the store for 6 cans and the store returned the unused portion for us. We are still being BADGERED with BILL ME LATER in the amount of 210.45 to pay for the entire order. I have mailed receipts letters and wasted time on the phone with the BOZOS from BILL ME LATER who couldn't be more dishonest. THEY MUST BE TURNED INTO THE BBB!!! Be prepared to call your attorney if you use this idiot website - they are the worst people to ever want to deal with.