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Closing My Paypal Account Because Of Bill Me Later Tactics
Posted by on
Rating: 1/51
Bill Me Later was created by Paypal to make money. Obviously, that's the point of being in business. But its a free service. How do they make money on it? Two ways, late fees and interest. When they designed this "totally free" Bill Me Later program, they designed it not just to maximize the number of people who use it, but to maximize the number of people who are charged late fees and interest.

Paypal's methods when "asking" you to sign up for their Bill Me Later (BML) program are absolutely ridiculous and underhanded. Since they began offering BML, it seems like I've had to be very careful not to ACCIDENTALLY sign up for the service. Every time I use Paypal now they will sneak one or two opportunities to join and use BML into my payment process, which wouldn't be a problem, but they really and truly try to be sly about it. The BML language will be small and easy to miss, the yes box will be highlighted, the check box will already be checked and you will have to un-check it, and so on. BML is really a line of credit, and any offer to open a line of credit should be very clear and should not be slid in their when I'm simply trying to purchase an item with money that I have.

Apparently their slyness worked on me, because a couple of weeks ago I accidentally agreed to sign up for BML! Of course my own negligence is largely to blame for the mistake, so I was upset with myself as well, and I decided that I would continue using Paypal, but avoid using BML. Well today I made a purchase on eBay using Paypal, and I accidentally made the payment using the BML service! I did not know until the purchase was done that I was using BML, and I certainly never knowingly chose to make BML my preferred payment method.

So I went to the Paypal website with the intention of paying off the balance. When I sign in, my account overview immediately comes up showing the purchase I had just made, and under "payment status" it simply says "completed". At this point I was confused because I expected it to say "bill me later" or something like that, reminding me that I still have to pay for it, but it was really made to look like I had already paid for it. When I clicked on the "details" link for the transaction, it was a full page and a half that said nothing about BML until the very bottom of the page. I clicked on a very small link there at the bottom of the page that said "schedule a payment", which took me to the BML payment page. Finally, I can pay for this stuff and be done with it!!! But no..... it says there is no payment due, and I cannot make a payment until a payment is due!!!

Paypal says that BML is a free service, and there is no way they would try to push a program on customers if they were not going to make any money off of it. It is not free. Read some of the other reviews on here. They want you to use it, they want you to be late on paying it back, and they really want to charge you as many fees and as much interest as possible!!! I know some people think its OK for businesses to do anything they want to make a buck as long as its technically legal, but when a business tries to trick me into using and defaulting on a line of credit just to squeeze some late fees and interest out of me after I have been a loyal customer, then I will do business with them no more.
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Old Timer on 07/31/2013:
eBay, PayPal and BML are all the same racket. I dumped all of them years ago and don't miss any of their nonsense.

Watch out, BML will send your statement out "after" your payment is due in order to collect late fee's. They will lie and claim they sent you a bill before your due date, but that is just another of their long list of lies.
jwn7882 on 08/14/2013:
Check out my review entitled simply PayPal / Bill Me Later. I had not read yours before I wrote it. Glad to know it's not just me. Plus, my last line is classic. C"mon, it really is.
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PayPal becomes BML and uses 'Bait and Switch' fraud technique
Posted by on
Rating: 2/51
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.

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Alain on 09/18/2012:
Thanks for your review. It makes me reluctant to consider using either of these companies.
trmn8r on 09/18/2012:
I do not mind using PayPal - I have for several years. The only thing I don't like is accepting payments for an Ebay purchase and getting whacked with a high fee, because in the old days we got checks or money orders.

BML is a whole nother story. The whole concept of Bill Me Later is a crimson red warning flag. I don't mind credit card companies, because I know how they work. Whenever you get promotional rate offers, you have to be meticulous about the terms. Your complaint indicates that even when you are with BML, the terms can *change*.

I would not have used BML, and your complaint makes me double down on that choice.
David on 09/26/2012:
I too have used PayPal on Ebay, after selling an item(watch)the buyer contacted PayPal and claimed he never got the item, PayPal refunded the buyer in full without even notifying me.I have not used PayPal since.
jaytease on 09/26/2012:
Thanks for this review. I have always hesitated to use PayPal and buy products or services where PayPal is only option. Now, I will reconfirm to NEVER use it. Thanks again. PayPal ought to PayAttention!
billtech66 on 09/26/2012:
I use PayPal a lot, but always change the charge to my credit card, since I've also found out the hard way that Paypal is not on my side when a dispute arrises.
Also, I was quite put off by the Bill Me Later option in the past, which sounded very suspicious. I never used them, so thanks for clarifying that I made the right choice. :)
Joe66 on 09/26/2012:
I really like using PayPal...but their customer service sucks. Its very hard to get a customer service rep on the phone and when you do you don't get good service. Most of them seem new. I sent in a survey recently giving them a bad review on customer service but have not heard back. After all they are handling your money and you should have secure access to it. Keep a small amount there until their service improves. Is Google coming out with something similar? By the way, if I transfer money from my checking account to PayPal it shows up instantly in the checking account as a deduction but takes 3-4 days to appear in PayPal? What gives?
JoeBelow on 03/02/2014:
I have not enjoyed using BML. I went for $15 promotion off of an order if I used BML. I trusted PayPal so I figured it wasn't a bad idea. So when I submit my order there is no mention of that $15 off. The vendor told me BML would credit me for that. So I waited several days, checked the BML site, checked my email invoices and still no mention of this $15 promotion. So I emailed them an asked about it, you get an automated response with common solutions that did not address my issue. So I waited for about a week, no response. I emailed again asking about the promotion an why I did not get a response yet. They said sorry for the delayed response an it needed to be reviewed to see if I got the promotion. So I waited another week, no responses, I emailed them an got the same automated email, replied to it and retyped my inquiry. I finally got a response from them telling me I will get $15 in 1-2 billing cycles. That is a little detail they tuck away from the open. I was wanting to use that $15 to go towards my balance but it can't for this billing cycle cause they want to string you along. I did get a speedy response however when I told them I wasn't going to use my bank account an asked if money orders are accepted. They called me hours later and the lady did not address my question, she just kept wanting to transfer me to someone who I could set up a banking account with. I had to tell her three times, no I am not setting up a banking account for she finally stopped pushing it. Apparently BML really wants your bank account #. Overall they are a pain in the arse, wish I would have not taken the offer. It has been more of a burden dealing with the customer service an learning about all the little details that makes it just a pain in the ass more than anything. They def. lost a customer.
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Payment Sent Through Wrong Source
Posted by on
Rating: 1/51
SAN JOSE, CALIFORNIA -- I went through an online merchant on the Saturday after Thanksgiving to purchase some shoes and saw that they accept PayPal as a payment method. Because of the rampant problems from hacking resulting in credit card fraud, I've been using PayPal to protect my payment information. I signed into my account and then added my new credit card since I didn't want to use the check card that was already on file. When I got done, the card I just added showed up as the payment method (the radio circle was checked) and I clicked confirm to send the payment through. However, I just recently checked my bank account to find that I had a charge from PayPal in my savings account of $32.00. I had a zero balance at the time of the transaction so I was left with a negative balance. I immediately transferred funds and then went to my PayPal account to see which transaction this was a result of. It turned out to be the online merchant. I sent PayPal an email to their customer service department letting them know what happened and that I had selected my new credit card as the payment method - NOT my bank account. The only reason I have my savings account on there is because my checking account was previously connected with a now closed account and you can't link the same account twice. I am a seller on eBay so I like to transfer my funds to my bank rather than using the premier business check card.

After I sent the email, I got an automated message telling me how to change the payment method before confirming the transaction - which I already know how to do. I replied to the email stating, again, what happened and I got a message from the customer service representative stating that the default payment was my bank account but I could change it to whatever payment method I want to use. This is the message:


When you send a bank-funded payment by Instant Transfer, a request is immediately sent to your bank for money to back the payment. PayPal pays for your merchandise even before your bank releases the money we requested.
The entire process takes 3-5 business days to complete via the Federal Reserve Bank's ACH transfer process. If there are no funds, we will send you an email as a notice to deposit funds to the bank account being used. A grace period of 3 business days will be given before we try to get the funds again. If the second attempt fails, we will get the funds from your backup funding source (credit/debit card).

Moving forward, you can use your credit card as your preferred payment method. You might have missed the page where to change the payment method. The credit card will not be proactively offered when you pay, there is a portion in the payment review page that you need to click to switch your funding source to the e card. I have outlined here some easy steps on how to change your payment method every time you are making purchases:

1. Before submitting the payment you will see the Confirmation of Payment or Review your Payment page.
2. Click Change under 'Payment Method' on the 'Review Your Payment' page.
3. Select the payment method you want and click Continue.

PayPal is doing the best effort to make sure all concerns are handled and addressed properly to your satisfaction.


Again, they are not answering my question so I sent yet another email with this response:


I have changed my default payment method NUMEROUS times to my check card but when I make a purchase, it always comes up as bank account. I am really irritated that this problem occurred because I input my credit card right before I made the purchase (check the time log if you have one) and that's what showed up as the payment method for the online transaction right before I hit "confirm." However, it didn't come out of the credit card. It ended up coming out of my bank account which was at $0 balance and I was hit with a fee of $32.00.

I'm really upset and will seriously rethink using PayPal in the future. This is the 2nd time this has happened and PayPal denied any wrongdoing and I end up paying for it.

I've yet to hear back from them after this but I would bet that it will be another indirect reply to my problem. I do not recommend using PayPal if you have another payment option.
Update 12/03/2014:
I contacted my bank's customer service department and they told me to place a stop payment request on all incoming transactions from PayPal. This prevents withdrawals from my savings account - even accidental ones. For this transaction and future ones, it will be pulled from my backup source which I selected as the credit card (the one I wanted the transaction to be on originally).
Update 12/06/2014:
I have contacted the BBB in San Jose, CA and reported this complaint. I'm really irritated that PayPal has not responded on their own, so I'm hoping BBB can help me.
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Would Not Work With Me To Waive Interest Charge
Posted by on
Rating: 1/51
SAN DIEGO, CALIFORNIA -- The department they claim can make decisions are unreachable via phone. I could not speak to anyone who had the authority to waive a finance charge. I was told the only way to communicate my issue was by sending a written letter. So that is what I did, and did I receive a response? NO.
June 7, 2013
Attn: Bill Me Later
P. O. Box 5018

Timonium, MD 21094

Re: Letter Mailed on May 10, 2013 – Request for interest charged to be waived.

To whom it may concern:
I am very disappointed in the service I have received from PayPal. I did not receive any communication whatsoever regarding the request I sent on May 10, 2013. I had to call the Bill Me Later office to find out that my request was denied.
It is very disturbing that I am not able to speak with a live person regarding this matter that has any authority to waive this interest charge; rather I am in the mercy of the people who receive my letter via “snail mail” and who obviously have no time to respond to my request.

My husband and myself are 31 years old with many more years of purchasing items. Due to your lack of customer service and empathy, I can say with 100% confidence that we will never use our PayPal accounts again. It is a sham that a large organization such as PayPal (Bill Me Later) would allow to lose a customer over a $53.34 interest charge; but you did. With much satisfaction I closed my account today. And I can assure you, I will go out of my way to let the people I know, and don’t know for that matter, about my experience; thank heavens for technology.


May 10, 2013
Attn: Bill Me Later
P. O. Box 5018

Timonium, MD 21094

To whom it may concern:

I am writing today in regards to my PayPal account. I used my account back in October 2012 under a 6 month promotion. I checked the account last week and my statement showed a balance of $464; I went to pay the balance off today and it stated it was $517.34. I apparently missed the deadline to make my final payment free of interest, which was not my intention. I had planned to pay the balance off in full before any interest incurred.

I called PayPal customer service and spoke with Marco. He advised that I pay the $464 and then write a letter requesting that the interest be waved since I missed the interest free payment by 5 days. Therefore, I would like to kindly request that the interest be waved. I would be very grateful to PayPal for doing this for me.

I have copied the receipt language below for the payment I made today. I apologize in advance if there is an account number associated with my information; I was not able to locate any such number.
From: "service@Paypal. com"
Sent: Friday, May 10, 2013 8:28 AM

Subject: You have scheduled a payment to Bill Me Later, a PayPal service


Thank you for scheduling the following payment to Bill Me Later®, a PayPal service:
Recipient: Bill Me Later®, a PayPal service
Payment source: Echeck
Payment amount: $464.00 USD

Payment date: May 10, 2013 (at 23:59 PST)

Please feel free to contact me at the number below should you wish to discuss further.

Best Regards
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Jeff on 06/08/2013:
Good luck with that. Ebay and Paypal own bill me later.....Ebay and Paypal are almost virtually ran by computer....and almost impossible to get in contact with a real person....but have no problems raping you in fees and penalizing you for every tiny little thing.....Good luck getting any recourse or response from them.
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Paypal Tolerating Fraud and Illegal Activities.
Posted by on
I purchased Window 7 Ultimate from I checked with Microsoft and they do allow some venders to sell their products via download. I received my invoice via email it include a link to download the software and a product key.

I noticed something wrong right away, the phone number was phony. it says 617-555-6986. There's no 555 phone numbers. So I decided to investigate the address too and, according to Google maps and Mapquest, it too was phoney and did not exist. It's below, you can check it and see for youraelf.

uGetFile. Com
44 Main Street
Boston Mississippi 02116

The street, the zip code, the city, even the phone number's area code are actually in Massachusetts instead of Mississippi. The 44 in the address does not exist in either state. Upon further investigation I found that the company and owner's information show that they are really located in California.

Since both the address and phone information were phony I decided to also check the Windows 7 product key. I used a free program, I can't recall it's name but it was something I ran across while perusing a tech site. I opened the program and put in the key and it indicated that the key was invalid. I followed up by calling Microsoft again and was informed that the product key I was issued was what's called an MSDN product key. It and Microsoft products are sold at a discount as kits to techs for trial and testing purposes only. They told me that the software and keys were not for sale or resale, and advised me that it was not permanent and would eventually be blocked by Microsoft. I was told to get a refund or proper software and key from the vender I purchased it from.

I immediately started a dispute against on Paypal, which is how you settle disputes on Paypal. I stated all that I was told by Microsoft and requested a valid product key or refund. Instead of issuing me a proper key decided not to talk to me and to escalate my dispute to a claim, which is the next step. Paypal decided with the vender.

They say because their claim process only deals with the shipment of goods not the attributes or quality of goods. At the bottom of the same email that was used to state their decision it clearly stated that Paypal does not tolerate fraud or illegal activity.

In my opinion that's a false statement. To me it's obvious that Paypal does tolerate both fraud and illegal activities. I went to a Paypal users forum and found many posts where Paypal users complained of similar incidents and results and that pursuing this further is futile. Below is a copy of an email I had prepared as a next step of communication with Paypal but decideed against.


Thank you for your attention to this matter. I read and had forgotten what your claims process covers. However I read even at the end of this email you sent that Paypal does not, I quote you using a cut and paste from your text below, "PayPal does not tolerate fraud or illegal activities". How do I go about instigating an investigation into fraud and illegal activity?

From my own checking what I bought from user Do Ha Duy Thanh is in violation of Paypal's no fraud or illegal activities tolerance policy. I want to request from you and hope that you investigate more thoroughly user Do Ha Duy Thanh.

Mr. Do Ha Duy Thanh, in my opinion, used PayPal and sold me a product from Microsoft that Microsoft stated is illegal to sell or resell. In the email from the seller with the product key which Microsoft told me was illegal to be sold or resold, the company information on my invoice is incorrect. Not only is it incorrect it is nonexistent. I used MapQwest and Google Maps no such address found. The city does not exist in the state named. The zip code is not in the state named. The phone number's area code is not in the state named. After the area code the phone number's first three digits are "555". A nonexistent phone number. That's fraud. Is it possible to check and see if fraudulent information was used to set up his PayPal account? Did PayPal unknowingly allowing this? How many others are also being defrauded and illegally sold this and other Microsoft products by this user via PayPal?

Here's a copy of the information that I copied and pasted from the invoice emailed to me after the sail (You can check and verify for yourself if it will help you in your decision):

uGetFile. Com
44 Main Street
Boston Mississippi 02116
United States
PHONE: 6175556985
WEB SITE: http:///

There is a lot more information that I gathered from just my own investigation that I feel will help you in your investigation. I believe that if/when you check into this user you will come to the same conclusion that I have; that I have been defrauded and sold an illegal item, and PayPal is what this user used to accomplish it.

Thank you very much,

Ricardo Jobes

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Transactions Put Through Bill Me Later Without Your Knowledge!
Posted by on
Rating: 1/51

I really want others to avoid the huge problem I just went through with Pay Pal. Without realizing it, I inadvertently opened a Bill Me Later account. Because you have set this account up yourself (again without realizing it) the customer service people are not helpful at all. And will not reverse or even let you pay the amount off immediately with your credit card. I asked for proof that I set up this account ie. application etc. and was told that they do not have that information and that I was the one to set it up.

Because I didn't remember applying for Bill Me Later I decided to check into setting up a NEW Pay Pal account by setting up a bogus account. The first form after the personal information is an application for credit. Which was not my intention. The form does not mention Bill Me Later and you really have to read what it is really setting up. I wanted to be specific and add the verbiage to this review. So.. When creating a 2nd new account the option after entering personal info, was a Link Bank account/credit card page. Which is what you would expect.

Please be aware of this practice.

And read carefully before you set something up in Paypal. I had a huge hassle with transactions that were paid by Bill Me Later not by credit card as I had wanted. It's impossible to reverse the transaction, the customer service (located in the Philippines) were not helpful and I was told to redo the transaction which turned into a nightmare. Customer Service people were inconsistent with the policy and what they can do. It seems that Pay Pal preys on this kind oversight on the consumers part to better their bottom line.

Finally, I contacted the merchant had them "refund" the transactions and repurchased with the help of Pay Pal. I think more merchants should know about this practice and stop using Pay Pal as an option.

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Increased time for refund
Posted by on
I attempted to make a purchase via They were having an issue with their servers, which caused my payment to be withdrawn, but not submit the order. I received an error the first time using Paypal, so I thought it was an issue with that payment method. I re-entered the order using my debit card as the payment method and received the same order.

Shortly after, I received an email from Yugster describing the problem and the steps they are taking to resolve the issue. They were very pro-active in acknowledging the error and issuing a refund. Well I can see the refunds were received by Paypal and my bank the very next day!

Here is the difference; The refund issued for the debit payment method was there the day after the occurrence. The refund issued to Paypal was there, but they placed a hold on it, so these funds are not available to me. I'm told this can be 3-5 days before it is available.

So, if a speedy refund is part of your consideration in using Paypal vs a debit or credit card, you may want to skip Paypal.
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madconsumer on 12/14/2011:
very helpful review!
clutzycook on 12/14/2011:
I hate Paypal. If I have the option to pay any other way, I'll do it. If it's the only option, I'll question if I need the item in question.
Cwazychicken on 12/15/2011:
Paypal is very slow at refunds. This week I asked Virgin Mobile to refund me as my phone broke and was not using the service, they told me to expect the refund in 5-7 business days as that's my banks policy. Hey its better than waiting 30 days for accidentally ordering something for 100 bucks on Facebook (wanting to order something for 5, assuming 5 dollars was posted at the first slot, doh!), to dispute it and get a refund! That was the worst....
Alain on 12/16/2011:
Very helpful information, ChuhBaca, and a good review!
Warybuyer/seller on 12/25/2011:
Paypal has always said that it would take at least 3-4 business days to receive funds withdrawn to your bank account and claimed that it's your banks's policy. It isn't. I asked my bank how soon funds would be available to me if they were transferred in electronically, and they said IMMEDIATELY. Ask YOUR bank!
ChuhBaca on 12/26/2011:
Hey Warybuyer, you are correct. The do blame your bank. I didn't have to ask my bank, they demonstrated it. I had attempted to make the original purchase with Paypal. When that didn't work I tried payment directly with my bank debit card.
Refunds were issued by Yugster at the exact same time. The payment from my bank was credited immediately while Paypal didn't let me access the funds for about 4-5 days!
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PayPal Buyer Protection Program...has a loophole=SCAM!!!!
Posted by on
Warning, PayPal's Buyer Protection Program is not all its cracked up to be. There is a loophole that scammers know of to rip you off. Here's how the scam works......The seller racks up a feedback score of 50 by selling bogus items on eBay (i.e. recipes, beads, or other cheap items). Then once he has a feedback score of 50 and 98% of those are positive, PayPal automatically displays their covered by "PayPal Buyer Protection up to $1000" seal on all his auctions. Then the seller lists expensive items, once he has this "seal of trustworthiness from PayPal". The buyer then sends funds though PayPal thinking that if he does not get the item, then PayPal will give the money back. Well, not so fast...Several weeks go by and no item, so the buyer emails the seller(scammer). The seller then tries to make the buyer wait past the 45 day deadline for filing for a refund with PayPal Buyer Protection Program by coming up with excuses, or saying he will reship(with no intention of doing so) hoping that he can delay they buyer from filing. Now if the buyer is smart, he will file a claim with Paypal before the 45 day deadline, but the scam is not over yet!!! When the claim is filed the buyer must choose if it is a "non-receipt" claim, or "goods significantly not as described" claim. The buyer can only choose one, not both--and here’s the catch--ONLY 1 CLAIM CAN BE FILED PER TRANSACTION!! Well in this case, the buyer got nothing, so he chooses "non-receipt". Once the seller gets notification of the claim he has 10 days to respond, so he ships out a box(empty box, dirt, rocks)anything, just so it has a tracking number. During this 10 day response time the fraudster responds to the PayPal claim by giving them the tracking number of the phony package. Once PayPal runs this tracking number, they see it has been delivered to the buyer, and shuts down your case leaving the buyer empty handed, and the seller runs off with the cash! The reason why is because PayPal says this is a "goods" issue since the buyer got SOMETHING, not a "non-receipt" issue- so the buyer filed the wrong type of claim.-remember only one claim can be filed per transaction!!.....Now if the buyer used funds from his PayPal account to pay for this transaction, or funds from his bank account he is SOL. If the buyer used a credit card he can contact his credit card and file for a chargeback to get his money back...The moral of the story is empty your Paypal account before you buy anything so you can use a Credit Card via PayPal since their Buyer Protection Program is an invitation for scammers that know how to work the system. I can’t understand why Paypal would aid and abet fraudsters by giving them this loophole to exploit innocent consumers. The thing that gets my panties in a bunch is that PayPal gives false expectations that your purchase will be covered when you try to change your funding source from bank account to credit card, when in reality their Buyer Protection Program is a BIG JOKE!! A complete online copy of Pay Pal’s Buyer Protection Policy can be found at
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Silent_Assassin on 09/30/2005:
I used the papal buyers protection and it worked for me. I had preordered madden 06 from a guy and he ran off with my money. it took 10 days but I got my money back into my PayPal acct
wary-consumer on 09/30/2005:
Dear Silent_Assassin: The PayPal Buyer Protection Porgram can work just fine if the scammer does not take advantage of the loophole. In your case, if the seller would have sent you an empty box WITH A TRACKING NUMBER during that 10 day timeframe, you would have gotten NOTHING back into your PayPal account.
Silent_Assassin on 10/01/2005:
ahh I see. that sucks I'm sorry that you got taken like that. you could always put in a a dispute with eBay unfortunately they will take 25 dollars
wary-consumer on 10/01/2005:
Unfourtunaty I could not file a dispute with eBay, because PayPal deliberately held the investigation open past eBay's 60 day timeframe deadline to void that option for me (what a shady practice). You see they care about the buyer- they just want their cut from the transaction, and don't really care after that. Just for the record, I did eventually get my money back after fighting tooth and nail with PayPal because the seller gave them an invalid tracking number.
Sharkierools on 10/07/2005:
If you used your credit card on PayPal you can also file a claim through them. I would also file a claim with the PostOffice for mail fraud.
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Got Tricked Into Using the Bill Me Later
Posted by on
Rating: 1/51
AUSTIN, TEXAS -- This happened on 2 separate incidents at the same time period to both my husband and I:

(1) Tried to pay garbage bill with Paypal (PP), somehow linked it to BillMeLater (BML); said payment due on a certain date. Tried to link bank account/s to BML and it wouldn't accept routing and account #. Kept trying -how many banks accounts does a person have? The bill wasn't due yet, but BML said payment past due and tacked on Late fees ($25 +); in addition to changing the due date; over $100 fees.

(2) Tried to pay a software/computer service to 'unlock' computer (which happens to be another scam), but only let me pay through PP which turned into BML; same story as the first issue; turned into another $100 in late fees (again, starting with the $25).

I believe it's purposely confusing to trick you into using the BML service, then the due dates change without notifying you, purposely don't allow you to add your bank account if it's used in your Paypal account, but honestly how many bank accounts does an average person have? Then once it's considered 'late' your bank account is miraculously approved to be linked to your BML account.

Sounds like this has happened to many consumers from reading the reviews. There should be a major penalty for them to pay. When it was just PP, I was happy with their services; Apparently they became greedy! Now I want nothing to do with either!
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Fraud Alert Stopped Transaction, C.C. Still Billed
Posted by on
Rating: 4/51
I frequently use PayPal for most of my online transactions. It's a much safer way to pay because your C.C. info is not exposed. This dramatically cuts down on fraud and ID theft. I recently ordered a $1200 camera online from a reputable business. The sale was approved through PayPal and they sent me a confirmation email. My C.C. was also billed. The very next day I get an automated phone call from PayPal with a fraud alert. Checking my online account with them I had to change my password and security questions which I promptly did. I'm informed that my account has been reinstated.

A week goes by and no camera or confirmation from the retailer. I call them and am informed that PayPal stopped payment. I then call PayPal (45 min on hold) and am told this transaction did not fit my normal purchases. Huh? PayPal is only a service that collects a fee for not exposing my C.C. info. I have a $20K credit limit with my C.C. company. They are the one to make the determination about suspected fraud. While PayPal may have had good intentions they caused me aggravation. Had this been actual fraud I would applaud PayPal for catching it. I am not criticizing PayPal. Sadly this is the world we now live in and I have to accept some aggravation for the protection provided.
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User Replies:
nikalseyn on 09/22/2013:
I do not understand why you would want to go through a company like PayPal in order to bill your credit card. Just use your credit card and bypass the middle-man(PayPal)who appears to have terrible customer service anyway. You are protected with your cc for fraud.
CU on 09/22/2013:
I'd be much more worried about fraud FROM Paypal, rather than using my cc elsewhere. They are the bottom feeders of the financial industry and their corporate ethics are non-existent.
I'll just go to the store! on 09/23/2013:
Wow! I've been using PayPal for years and never had a problem. Did your address match? I've noticed on non PayPal orders (just had one) the difference between AVE. and Ave. threw the transaction off. I had to go back and correct the address to AVE. maybe next time I'll just change everything to Avenue.
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