Bill Me Later - Fraudulent & Deceptive
I started using BML in October 2012. My first charge was for Toys R US and was a deferred payment until May of 2013. During that time, I used BML for some smaller charges. I made another deferred payment charge with Toys R Us in January 2013 and one more from Ebay in May 2013. I noticed my balance of current charges wasn't getting paid off so I went back and looked over all of my statements.
Well, I noticed that my DEFERRED payments were being paid on every month! The first deferred payment (not due until May 2013) was paid OFF before I received my March/April Statement. My second deferred payment (not due until August 2013) was paid OFF before May. My third deferred payment (not due until December) is also having payments applied. I emailed them and received a response that basically told me I had to call. They told me they were applying my payments according to some credit card act, blah, blah, blah.
They also said that payments will start being made on a deferred payment if it is within 1-2 billing cycles of when the payment is due. I called this morning and the gentleman I spoke with started rambling on about my payments. He told me I had to call and allocate how I wanted my payments made. WHAT?! Apparently, a DEFERRED payment takes on another meaning with BML. I told him I wanted the money that was applied to my December payment removed and applied to my CURRENT charges. I also told him how upset I was that I had to CALL before making a payment to make sure the money gets applied to my current charges. He told me I didn't have to do that since my deferred payment wasn't due until December and it didn't fall into the "1-2 billing cycle rule" and that all payments would be applied to current charges.
I had to reiterate that the purpose of my call was due to the fact that payments ARE being applied to the December deferred payment so that "1-2 billing cycle" rule doesn't apply here. He told me he would have to call me back. I feel this company is very deceptive. If a payment is to be deferred, then payments being made should be applied to current charges and not deferred charges until the DUE DATE that is listed. I had been making extra payments so I could pay off my current charges.
I am very frustrated and irritated as I now have to make EXTRA payments to pay off current charges that should have already been paid off but were instead applied to deferred payments. I will never use this company again.