Bill Me Later

I purchased a Bose Wave Radio in late November from the Bose website. I chose the bill me later payment option, which was advertised as six months no interest. Bill Me Later is now charging me interest and claims to have no knowledge of the no interest offer. I went ahead and paid the principal for the radio, but continued to get bills for interest.

I have went back to the Bose site and read the terms for Bill Me Later and the six-month no interest offer is very clearly stated. Bill Me Later and Bose have been unable to address the matter.

I thought I have a credit in my Bill Me Later account. I was planning on closing it, but just wanted all the funds to settle. This "online only" credit card is not for me. All my other bills either get sent by USPS mail or go directly to my online banking account. Bill Me Later was impossible for me to keep track of, so I missed a payment. I called and they were gracious enough to reverse the late fee. Because I had already paid the fee, I thought I had a credit in my account. So the next month I received a notice e-mail from Bill Me Later that said my bill was due. I also got another e-mail around the same time saying that I had available credit.

Well, this made sense because I thought I had a credit. This same scenario happened again the next month. And the next. Because I thought I had not used the account and because I thought I had a credit, I thought everything was fine. 3 months later I get a bill in the mail for a $31.86 charge plus $33.86 in late and interest charges. I called Bill Me Later and the operator was unsympathetic and somewhat rude. He offered to close my account. I decided to leave it open, pay the bill, and write them. It has been more than a month and I have not heard peep. Turns out that they were set as the default payer of my bills for eBay purchases. I purposefully chose another form of payment each time I made an eBay purchase. Sometimes this caused the website to hang. It must have been one of those times.

I've had several charges charged back to sellers on eBay, although they were already paid by me, or in some cases paid twice, by myself, and Bill Me Later. Sellers on eBay claim they never received payment from Bill Me Later, yet the funds were removed from their PayPal accounts. Bill Me Later operators are clueless. They often transfer customers back and forth, between themselves and PayPal, or eBay customer service. They are not helpful or knowledgeable, and have poor customer service skills. I managed a call center, I know. This has caused me to lose my credibility with long time sellers on eBay, which means I can no longer shop from them. As a collector, this has caused me multiple losses.

Bill Me Later needs to be held responsible for the damage it causes to its customers' online reputation and should be investigated for all the charge-backs and double charges they are continuously, and repeatedly conducting. There are tons of forums online, with individuals experiencing the same thing. Where are the regulations that are supposed to protect us from this type of online fraud? Where are the people who are supposed to enforce these regulations? I hope someone can address this matter. It is a serious problem from a big company, that should know these issues exist.

I was purchasing a "precious provisions" product and a popup from "Bill me Later" offered a ten dollar discount if I signed up for their service. I didn't realize that I had to use the service on this precious provisions order. I sent this order with my credit card # to precious provisions. Because I didn't read the fine print, I now have to pay "bill me later" 110% interest! Is this legal? Scam off because the rep from Bill me Later assured me the interest would keep rising! I advise everyone not to use "Bill (scam) me Later".

In April of 2011, I purchased a $109 item for my pool on eBay. I used my PayPal account or so I thought. Fast forward to Jan. of 2012 and I get a call from Bill Me Later threatening to send me to collections. I Google Bill Me Later and find out they are owned by PayPal. I log into my PayPal account and after an hour or so find no help, other than complaints about Bill Me Later. Next, I try to set up an account on Bill Me Later, this never works.

Finally, I talk to a human being at PayPal without help and then Bill Me Later. She tells me I need to set up an account with Bill Me Later. I ask her how I can have an outstanding bill from Bill Me Later and not have an account with them. She says I just need to activate it. At this point, I have wasted 3-4 hours dealing with this since the phone call 4 days ago. I finally get to see my account status and it shows my purchase of $109 and then my current balance of $184! The $75 (80% interest!) is all due to extra fees and interest due to nonpayment since Nov of 2011. This is the first time I get any information from anyone about this, 9 months after the purchase!

This business is a bait and switch via eBay and PayPal. The transparency is utterly lacking and they are using the power of eBay & PayPal to abuse their customers. I have been purchasing items regularly on the internet since the 90's and this is the worst case I have come across to date! I use mint.com to track 99% of my purchases and this business is obviously abusing the Bill Me Later concept to add on massive interest after the purchase of a product.

When using Paypal, Bill Me Later must have used themselves as the first option instead of just deducting from Paypal account. I had the funds in my Paypal and thought I was having it deducted from there. My account even shows that the seller was paid. This is where Bill Me Later uses deceptive tactics. They start billing you and it comes like their advertisements, then in the mail. I get a $92 bill saying I'm 60 days late. I called Bill Me Later and they said that they would waive the 2nd(!) late fee if I gave them my banking account number! How unscrupulous they are! I use Paypal seldom but thought it was a good choice to avoid using CC # to sellers. What a poor business Paypal has become.

Okay, first off, I'm not using Bill Me Later anymore. They consent calling me and harass me about paying them. Look, I don't have the money. I only work one day. I cussed them out so many times but worry the ** out of me bout some ** money. Now, those ** know it's against the law to harass people to pay. Even if they stopped, you all need to do something bout it or I'm going to say something to them going to call me and going to jail because I'm tired of these ** calling my ** house about a ** payment. I'm tired off them harassing my **. Now do something about it or I'm going to say something to them and it's not going to be pretty, I bet you that. I only work one day at my job. I don't have the money to pay them. Tell them to leave me alone before I say something to them that I'm going to regret.

Called about a special interest rate I was offered by e-mail after purchasing a certain amount and was never e-mailed or contacted after that by no-one from the company, but did notice that bill me later was not one of my first options for payment like it has been in the past and my credit doesn't not warrant this. This is not their decision and was told I could not close my account until it was paid off.

I was offered in the month of October. Any purchases over $299.00 for the month and I even went over it so I didn't miss reading it. So now, I'm being told that I was incorrect. I have emailed Bill Me Later with my concerns but they have not responded to my emails in a professional manner. Please get back to me because after going online, I realized that I am certainly not the first to complain about this issue. Thank you for listening.

I made some payments thinking I was using PayPal. Instead, it was put on Bill Me Later (even though I did not check the Bill Me Later box). I never received a bill in the mail. They said they emailed them to me. Those emails must have gone in my junk folder as I never received them. When I finally did receive the bill, it had two months of late charges on it. I called Bill Me Later that day. I requested the late fees be removed. The rep said she was only authorized to remove one month of fees. I paid the balance. I sent in a letter requesting a refund of the other fees. I never heard back from anyone. I will never use PayPal or Bill Me Later again.

PayPal and Bill Me Later failed to properly resolve a claim that was filed against an eBay seller who sent damaged and non-working merchandise and did not provide a refund. The seller also has the merchandise in their possession. I'm currently out $260.51.

I applied for Bill Me Later because I was a little short for cash for Christmas. I read all of eBay's and Bill Me Later's conditions on how to get 6 months No Payments No Interest until July 2012. According to them, I have to make purchases of $99 or more, and so I did. My first purchase was for $16.74 and over the period of 2 weeks spent just under $500. So a few days later they sent me a bill that was already due in 2 weeks! I asked why this was. Well, the sneaky scammy Bill Me Later told me that I didn't stick to the condition of $99 on my "first" purchase.

I complained and told them that nowhere in their terms and conditions does it state that it has to be either 1 item worth $99 or do multiple items but checkout all at one time to equal the $99! So now I am stuck having to make payments that I cannot and will not be able to make. My hubby is in between jobs and so the "absolutely only" reason I used Bill Me Later was for 6 months no payments no interest. They deceive people and are false advertising! I will not get their payments because I currently cannot afford it therefore, I will end up with my credit ruined!

I had lightning strike my house. It ruined both of my computers, three television sets, my stove, my phone and just about everything else. I asked Bill Me Later to send paper statements as I could not get online. Well, they didn't bother themselves to send me paper statements after they told me they would. I never got one single paper statement from them. I ended up with late charges on two different bills and they refused to take them off even though they acknowledged that it was their fault that I didn't get the paper statements that I had requested. They refused to help me out in any way. I couldn't believe it! They treat their customers horribly. I will never use them again! My account is permanently closed. They said they set it to paper statements and it somehow flipped back to email statements by itself. But no help from them even though it was clearly their fault that I didn't receive the paper statements I was expecting to get.

This company is ridiculous. I was attempting to buy a product on eBay and this popped up with a promo to get a certain percentage off if I used it as a payment option. I did use it via PayPal and paid my bill immediately. I continued to get statements showing I didn't pay for over a month. Finally the statements reflected that I did pay. I have since attempted to select "Bill me Later" as a payment method several times as PayPal also sucks, and it won't let me use my bank card number because it says that it is associated with another account (another account = is my old PayPal account with my old last name on it).

So I try to use BML and pay right away and it always lists it as a payment option on PayPal, and then it will not authorize the purchase. Meanwhile, they send me spam emails by the handful daily, telling me to "use Bill Me Later." I'm trying. So I called and their customer service is completely rude, talking over me, then telling me that I needed to stop talking and listen, then berating me about how all merchants don't take BML. So I asked why it is listed on PayPal as a payment option and I even got so far as to attempt to buy something and check out via PayPal per the customer service rep's instructions just to show her that it doesn't work and then she says that the merchant must not accept Bill Me Later.

Yet it's being processed through PayPal? She told me eBay owns both PayPal and Bill Me Later, and that I should try a purchase on eBay. I did and it didn't work. She says, "Okay, only certain merchants on eBay accept BML." At this point I asked her to please close my account as it's a bee's nest of annoyance and confusion. They spam my email, they are disorganized and rude, and I can't even use the damn account. She tries to hang up on me. I ask for confirmation and she says she'll mail it to me and then hangs up on me. Sigh.

In December of 2010, I purchased an item on eBay. I paid the seller with the funds in my PayPal account the same day I made the purchase. In mid 2011, I started seeing messages from something called "Bill Me Later" when I logged on to my PayPal account. BML? What the heck is BML? There was a balance owing it said. Huh? I don't use creditI pay cash for everything. I don't own a credit card. I am rabidly anti-credit. I tried to reply to PayPal, but my message didn't fall within any of the pre-set subject categories and I, literally, could not get a message to go through.

I gave up. The next month, there was another BML bill showing up on the home page of my PayPal account. Interest and penalties and a hand slap about how my "account" was past due. The nightmare began. I called BML. I told them I never opened a BML account. I had proof that I paid for my eBay purchase the day I made the purchase. I paid the eBay seller with the funds in my PayPal account. There was a paper trail showing that my PayPal account was debited for the amount I owed the seller. Oh no, they told me. They paid the seller for me. And so it goes. My $38.97 eBay purchase in December of 2010 is now over $170.00. The last time I called, they asked me why I waited so long to dispute it!

There are probable negative marks made by BML on my credit report. I'm afraid to check my credit report. It also caused agitation, stress, anxiety, time wasted, frustration, feelings of harassment, victimization and feelings of having a fraud perpetrated against me, feeling attacked. I would welcome being included in any of the class action suits initiated by the victims of BML, a criminal enterprise.

Do not believe them. No payments for six months, is not true. I made purchases in October, 2011 and got a bill in November 2011 stating I was two months behind on my payment.

BillMeLater offered a promotion of items not to be billed for six months. However, they do not tell you "explicitly" that it is for a limited time and may not cover subsequent purchases. All of this took place after I won auctions on eBay and I wanted to check out, i.e. pay for the items won. The no payment for six months is in bold lettering and the fine print is buried in a long contract. Second, I did not receive adequate billing notice until my first payment was one month overdue. I thought that it would not be billed for six months. BillMeLater is a subsidiary of eBay. I ended up calling and stating that I would pay before the next due date and to cancel my account. I also complained about their deceitful billing practices. I was charged $25 late fee and interest for one month on items not covered under the promotion.

I sent for a free credit report and "bill me later" was the only negative thing on my report. I have never used, heard of, or authorized this company's service. I would like this removed from my credit rating

I made a charitable contribution using Paypal to be withdrawn from an existing credit. Somehow this was switched to BillMeLater (BML) whom I have never heard of. BML acknowledges my authorization was through PayPal and not BML. In less than two months, I was notified that what was $30 is now $96 due to late payment. Not only did I not authorize payment but clearly not those fees.

I lost my job approximately 7 months ago, so I had to use my Bill Me Later account to buy both of my daughter's books for school, due to being low on money (I could not pay the entire amount at one time). I have only been late a couple times on my payment by one or two days after the due date, but have been paying the bill every month.

In September, I called them before the due date to tell them, I would be a day late, and the lady I spoke with (did not write her name down) said that they would not charge me a late fee, and also agreed to change my due date to, after I receive my unemployment check (so I would not be late anymore). In the next couple weeks I received the bill which included a $40 late fee. I sent them an email concerning this issue and I never received a response. $40 has added to the total amount of my bill, that is already a challenge to pay.

Recently, I received several emails from Bill Me Later asking me to open an account. Thus, I opened an account last night, 11/05/2011. I don't believe that I received a confirmation from BML with a statement that I owed them $116.29. I have not done any purchase yet. It was ridiculous. I just don't know that this kind of problem could happen in this world. I called them and they asked me to wait for their fraud department to investigate it, and they will reply within 5 days. Why get into such a hassle asking me to wait?

This is totally unbelievable. I have just read many of the latest complaints on the Buy Now Pay Later Scam. Please folks, do not deal with these crooks. Fair? Excuse me but that word does not exist in their vocabulary. I was told about the promo to have 6 months to pay. I paid it off every month and then let 1 month go thinking I still had a few months to pay. Wrong! I paid the balance off and still was billed additional fees for late payments and interest.

Bill Me Later is a pathetic company! I bought a Sony laptop with the 6 month no interest. After three months, I realized that I have been charged an interest of 20%! I called them and they said I didn't have any promotions! **! It seems like the company is going bankrupt so they are trying to deceive as many people as possible. When the representative said that no promotions were applied, I asked him: "I have a $5000 credit line with interest lower than 20%, why would I choose to use your services if not for a no interest for 6 month? " he didn't know what to say. Do yourself a favor, do not use their services! If you don't have the money at the moment, you are better off using your credit cards.

I can't rate; there are no 0's. They say on their site that they will help you when you don't get what is due you. That is a lie. I have been dealing with this company since May 29, 2011. My bill is higher now than when I started. Even though I have paid the $500.00, my balance still remains more at $1560.00. I have done what they told me to do--I have gone through agony and did what they asked. They have, to this day, not held up their side.

I have probably called this company 20 times, emailed them on their site 15 times, and faxed about 5 times. They have no extensions to talk to a supervisor. They have no direct lines to a supervisor. You can only speak to customer service and get no further than that. They should be called rude customer service; they gave no help.

I purchased points to use on a website, so I could try and win products. But this company folded, and when I knew this was going to happen, I told them to bill me later. I have gotten nowhere with them since.

My consequences include them continuing to charge late fees and interest., I called today to see if they would take a lower total payment, they said no. This company is supposed to help you resolve any problems with what you buy. But that has never happened. I cannot get passed the customer service department, and I have called information in Atlanta.

Only reason why I chose BML was the 6 months, no interest, no payment option when I purchased my MBP 2 months ago. I got calls from them telling me my payment is overdue. They told me that they will investigate and call me back in 2-3 business days after I told them of the offer I saw when I used the service.

Two days later, I got a call again informing me of my past due payment. The service rep told me that there was no promotion when I purchased my MBP. I asked her to email me the investigation report but she said she doesn't have any ability to do that. I asked her to then send me the report using the regular mail, of course, she said she doesn't have any capability. I asked her then to transfer me to her supervisor and she told me she can't. Wow!

I cannot make this company understand that I am a victim of identity theft. I have sent them 5 copies of the police report and now they are telling me that I have to fax it to them. How stupid do they think I am? Nowhere in their billing dispute information do they have any mention of faxing nor do they have any fax numbers listed. But I played the game and faxed another copy of the police report to the number given me. I am not paying for something I do not receive. I am looking for a way to have this scamming company stop calling me and billing me.

I have been a customer of Bill Me Later for several years now. I don't know what has happened to their security system but they evidently don't have one any more. Recently, someone has stolen my identity and charged $2,938.33 to my account to purchase who knows what through USPS. I have contacted them and filed a police report. They told me that the dispute would take 10 days to complete. All I can say is that I am not paying for something that I did not authorize. They should be on top of their game. We should not have to worry about someone stealing our identity when they are supposed to be a secure site. I will let you know what happens. I will not pay!

There needs to be a zero star-rating system. I made a couple of purchases on eBay one weekend and clicked on the Bill Me Later option. However, according to eBay, they could not connect to the Bill Me Later website and process the payment so I had to pay by other means. A couple of weeks later, I received a bill from the scammers!

When I called to tell them that I had no real account with them and had made no purchases through their service, they basically said that it was my job to prove it! I am now in the process of disputing the charges. But after talking to their incompetent and insolent employees on the phone, I am sure that this unpleasantness is far from over. What a bunch of cons!

I received a call from Bill Me Later inquiring about a past due account. Immediately, I informed the representative he has made a mistake. I had paid my bill two weeks earlier and is currently up to date. The representative said I have two accounts. I told him that I do not. I have only one account that I am aware of.

This company is ripping people off. The representative stated the statements for the second account was electronic mail. I informed him that I'm 100% sure I wouldn't have chosen electronic mail because I like to view my paper statement monthly. I requested copies of all purchases.

Pre-approved on 8/24. I can't use the service on 8/27. I thought pre-approved solicitations were not allowed by FI's, apparently, this is a bank. This whole experience was deceptive.

Beware: That Bill Me Later interest rate is exorbitant. It was $19.99 in my case, which is usury in my opinion.

I sent my payment to them in January 2011 using USPS Express Mail. Bill Me Later claimed that they never received it even after the post office said that it was delivered. I called their toll free number and the woman I talked to said it was basically my problem even though the postal service said it was delivered. I had to pay a $35.00 late fee. I bought several things in April from Egghead.com. I thought my order was being paid through my Discover card but Egghead.com put it through my Bill Me Later account.

So, a month later, I received an email from Bill Me Later stating that I owe them a total of $135.00--$35.00 late fee plus the $100.00 order charge from Egghead.com. I mail these clowns a money order to pay them off. Well, a month later, they claimed that they never received any payment. When I contacted them, they said that it was my problem, not theirs. I sent them what I thought was the final payment with a certified return delivery from the post office.

Miraculously, they received this particular payment. I thought that was the end of it. But I received another email saying that the balance on my closed account was $8.60. I sent them a money order for that amount about a week and a half ago. Guess what? They claimed that they never received that payment. I wish I could say that I never received anything ever from them.

In April, a BML representative placed me on a six-month "hardship" program. My husband has passed away and bills are tough to pay right now. The plan was for me to have payments automatically taken from my checking account by BML. In May, I had $74 taken out of my account to bring me current. From then on, my payments were to be $36; and $36 was taken out of my account in June. Another aspect of this plan was for there to be no late fees or charges during this time. Although BML is taking their payments, I continue to receive calls and late notices. Also, there are still late fees and charges being added to my account. I've sent 3 e-mails to BML asking them to correct this. When I send an e-mail, they send me a form e-mail back saying I need to call them. I don't want to talk about this problem on the phone as their representatives have no concept of logic or common sense; and I want a paper trail (something I'm sure BML doesn't want). They shouldn't need to talk to me. The fact that they are taking their payments out of my account show that this plan is in their system somewhere. They simply need to find it and correct it.

When my husband passed away, I called my other creditors and was put on hardship plans which entailed closing the account and repaying, minus interest and fees, over the next five years. BML was the only creditor that said they didn't have a program like this. Don't they have to have something similar? Right now, however, all I want is for them to respond to my e-mail with something that answers my complaint and then send me a corrected statement showing I'm current. And, as I said, I want this in writing so I have documentation as well as letting me avoid getting stressed-out by talking to their reps. Is there anything I can do to get them to do this?

They operate with PayPal, an Ebay service. In fact, it's a legal scam that is apparently not quite legal (not in California at least). BillMeLater should be called BillMeSooner or OverBillMe. It takes them 5-7 days for a credit to show up from Paypal. It takes them another 8-10 days until you receive a check from them, assuming you call them as soon as the bank transfer between PayPal and BillMeLater happens. Strange?

If you transfer money from one US account to another, it's there in a few seconds. Obviously, these scammers borrow your money for a couple of weeks; something that made AmericanExpress with Traveler's Checks. And yes, while your money does not exist anywhere, you are paying them interest! Besides, they overcharge for everything. I have not checked but at this point I can imagine they charge their 20% interest from day 1.

Bill Me Later says they will give me 10% off for the stuff I order from their website if I open a new account with PayPal. But then they sent me the bill with the full amount. They lie and they are dishonest. Never use them or PayPal. They are the same company and cheat people.

The Bill Me Later should be stated as buy now and will rip you off later. I paid this off twice, never received any statement, nothing, until about 3 months later through email saying I owed $1719.00. What! I believe something else was added on but I just find it as the statement is very hard to figure out. It is to be deferred for 6 months and then I pay it off and what are they deferring? Plus they charge a $35 dollar late fee and 19.99% interest! It makes credit cards look good! This company Bill Me Later needs to be stopped from charging for every single item that you buy at 19.99%. Then you get the hidden fees after you receive the statement. The credit line was to be only $500 dollars but you are to buy $230 dollars before they consider opening an account with them.

After I paid them off and never received any statements is when I received emails of other stores you could use Bill Me Later. I deleted that and it was sent 2 other times of advertising their stores to me. Then three months went by, I received an email of the statement of what I owed and I paid them off. I have disputed with them and talked and emailed them. Also, I sent in a complaint to the Attorney General of Indiana about my dispute. I am not getting anywhere with this Bill Me Later and I am upset! I need a phone no. or email I can contact about this outrageous bill! I will never be able to pay this off. First, I do not owe them anything and second they charge almost a $100 dollars after the second week of being paid. It is just insane! I need to do something, I have nothing to show of what was extra on this account. Something is not right and I was charged for someone else's mistake! Through Paypal.

They want me to pay for one transaction that was canceled by the company eBay. I paid for the same transaction by my debit card from Chase. I did not open any account with Bill Me Later. They created one account for me without my consent. They are posting this in collection and this action will affect my credit score.

I made a quick purchase on Walmart.com and paid for it within a week. I quickly closed the account. For some reason, I kept getting letters from BillMeLater, saying that I owed them almost $500 for plane tickets. First, I haven't flown since the 90's and 2nd, how could they be charged to an account that was closed. The only thing BillMeLater told me was to resolve the matter myself. They have no fraud department and can offer you no help with identity theft. The airline companies couldn't offer me any information because the tickets weren't purchased in my name and BillMeLater said they had no reference numbers.

I contacted BillMeLater once again and they told me that my account has been flagged "under investigation". I went ahead and filed a police report with my local police department. Months later, I received another bill from BillMeLater, asking for a payment. The person I talked to said my account wasn't under any investigation and they couldn't do anything for me. So much for their services being secure! They have the worst customer service ever.

Now, they said the only way to keep it from going to the collection agency is to fax over the police report. Now, I feel like I'm doing their job. They've done absolutely nothing to resolve this matter.

I evidently made the mistake of using Bill Me Later when I made a PayPay purchase, didn't know that I had done that. The purchase was made on July 29, 2010 for $29.15 to be billed for $26.23. I never received a bill until today Jan 10, 2011, for $66.23. This is for interest and late fees. Something that should have cost me $29.15 ended up costing me $47.23 when I complained about never receiving a bill.

Do not do business with this ripoff company. They are foreign-owned and not federally-regulated. Again, do not do business with this company under any circumstances.

I made a purchase at Adorama.com for an $800 camera lens. They offered it with no interest for 6 months. I logged on to BillMeLater.com website and started paying even before I got the first statement. When I finally got the first bill, I was charged interest. It is very difficult to contact Bill Me Later. Their website stated that I should wait at least 10 days before a response. Now, I am very nervous after reading all of the other complaints and lawsuits to Bill Me Later. I now have full intentions to file a small claims suit in California. But I can't seem to find their legal service agent here since it is required by law to be able to operate here. If anyone has their California agent's name, I would greatly appreciate it. I intent to sue for the small amount of interest charged to me, as well as the maximum punitive damages allowable by small claims.

I ordered contact lenses from Discount Lenses.com. There was a feature called Bill Me Later and I clicked to find out what it was. I called Bill Me Later 10 minutes later to say I thought I signed up for it and didn't want it and that I'd pay discount contacts via check. I sent a check and forgot about it. I began to get phone calls from an automated voice. I called Bill Me Later. They paid Discount Contact Lenses $78.75 for me. They want me to pay them $78.75 and they say I have to get my money back from Discount Contact Lenses. Discount Contacts Lenses has been paid twice once by me and once by Bill Me Later.

The man that eHarmony was sending me wasn't even the right age group or the right body type or even in my state. I was on this site not even 3 months. I paid one month. I was told that it was $79 for 6 months and now Bill Me Later. They are trying to charge me 100 dollars. I cancel and asked for a refund and the only thing that I'm getting is calls from Bill me Later.

This website is a joke and a scam I will sue eHarmony and Bill Me Later if they don't refund my $39. I was on match.com and they do what the people ask of them. I meet guys on that website that match my profile. eHarmony said that if your not 100% happy or if you haven't found that someone, you get a full refund. That's a joke. All I'm getting are phone calls.

Bill Me Later insisted on badgering us for 6 months to pay for unused portions of our order that were returned. Collection agency, letters and phones callsall were very unnecessary. Do not use their website. They are awful to deal with.

Constant badgering from Bill Me Later to pay for items that were returned. After multiple telephone calls with them and mailing receipts for paid items and explaining to them that we returned the remaining portion of what we ordered, BML still insisted that we pay for items that were returned. Bill Me Later sucks.

I would like to know. It appears to be related to a contract we signed on August 7, 2010 with WorldMark by Wyndham member # 000111005385 for an upgrade in our membership. We paid a down payment to show good faith and planned to make future payments with a VISA credit card. Later, while reviewing our Final Arrangements files, we realized we would probably not survive the contract for 10 years since I am permanently disabled with heart problems and arthritis of the spine.

I am 81 and my wife is 79. Our normal life expectancy is 85 and 88. Mine is about 82. We did not make further payments after notifying by letter that we wished to terminate this contract and revert to our previous contract. WorldMark by Wyndham personnel are calling daily asking when we will make payments and have been sending Bill Me Later requests for payment

I purchased an American Girl Doll over the Internet in November 2009 for my daughter. When I found out the doll was on a few months back order, I decided to use PayPal, which offered a 90-day same as cash. I made the first payment online, so the next month, I did not receive a bill in the mail, but got an electronic bill. I paid the 2nd payment via Internet, and then the 3rd month I received a paper statement again. I mailed in a check to pay the balance off (still had not received my merchandise from American Girl. It missed Christmas, but I thought it would arrive by her April birthday). When I got my April statement, PayPal said I had a zero balance. But somehow, my account got switched to Bill Me Later. I never received another e-mail or bill (although they claim they mailed one bill to me in June 2010). I got a phone call 2 days ago that I needed to contact Bill Me Later immediately!

I thought it was a scam. I found out that I have been charged $25 per month plus $2 per month penalties on my bill for the last 6 months because they never received my last payment. I asked, "Why am I doing business with you? It was with PayPal? The representative told me that they are "interchangeable". I have been charged $175.91 where only $45.91 was the actual last payment due on the doll. I have now paid 110% over the actual price of the doll, oh and I didn't receive the doll until June 2010, which Bill Me Later knew, so that is why they "told me they sent me" a paper bill.

I am now in the process of contacting my bank to find the cancelled check. I am so angry! What kind of company sends out statements when they only feel like it and swaps billing companies on you? This is a very unscrupulous company. They are out to get money off you by not sending out statements. I have no idea if this will ever be solved. Oh, the other thing that just annoyed me was after I paid the money (amazingly he had all my billing information right at his fingertips to charge me), I told the representative I am so upset this is going to affect my FICO score and he said, "We don't report you to a credit bureau at this point." Now I see why they can get by with theft like this. The final straw for me is that I decided to go on Bill Me Later so I could print out what they had, and I cannot even access the site! Did they switch account numbers on me?

Nearly a year ago, I purchased a Pilates reformer from Mercantila online. It was supposed to cost $289 or so including assembly and shipping. Since I live in Hawaii, shipping was not included so it was added onto the price making the total $371.78. Before the product was shipped, I received a call from Mercantila saying they couldn't ship it unless I paid the shipping up front (BillMeLater is apparently a 90 before you pay deal, which I had no clue about). So, I gave Mercantila my Visa number and they billed my Visa account $92.78 and shipped the reformer. The machine did not arrive for a long time and when it did, pieces were missing and some were broken. I repeatedly called Mercantila and several months later, on March 3, 2010, the parts finally arrived and I sent BillMeLater what should have been a full payment, $289.00.

BillMeLater continued to charge me the $92.78 plus interest even though I wrote to them, called them, and even faxed them a copy of my Visa bill showing this has been paid. Mercantila said they would take it off my Visa and then I could pay BillMeLater, but they never removed the charge. Now BillMeLater is calling every couple of days claiming I owe them. I have stayed on the phone with them for nearly a full hour while they check their records only to be hung up by them after all that time. Another day I stayed on the phone over 40 minutes while they supposedly attempted to get Mercantila on the line to solve this. Last Saturday they woke me at 8 am after I'd been at the ER late the night before with a sick friend. They called at 8 am today, but I didn't answer. Please help.

I made a purchase from Bill Me Later in 2007. I paid the bill went it was sent to me. In Jan. 2008, I was sent another bill showing the previous balance plus a $19.00 late fee and $2.00 finance charge. We contacted BML and spoke with Marcie, and she said that we had paid our bill and didn't know why we were still getting a bill. She said to disregard bill and BML would sent us a cert. Letter stating that we owed no further debt. We never received the letter but we also never received any further bills.

On 7/31/10, I received a collection letter from Tate & Kirlin Associates stating that they were a 3rd party collection agency attempting to collect. I called them and they no billing records & that should contact BML. When I called BML and pit in my acc#, I am directed to contact the collection agency! When I don't enter my acc# I get a rep that says she will not speak to me and that my acc has been charged off and that I need to contact the collection agency! I am going to pay them again! Then I am going to Hite an attorney and I am suing! This "company" is the biggest rip off I have ever seen or heard of!

Buyers, beware when using Bill Me Later. I made a purchase through adorama.com for the $500 required to qualify for no payments to 6 months. BML put the charge through as a standard purchase at an obscenely inflated interest rate of %25.99! Phone calls to their call center produce no results except the run-around by employees and a different response each time you call to complain. BML also refuses you to speak to a supervisor, contending their 'managers' are unavailable and one will call you back in about 'two hours.'

They do not resolve issues and gave me a story about not being eligible for the promised financing because I checked out using Bill Me Later through PayPal. If I used Bill Me Later through PayPal, I still used Bill Me Later and expect to be billed later! This company treated me in a dishonest and disingenuous manner. I had to close the account and balance transfer my balance to a reputable credit card company.

I spent $94.00 with Toys "R" Us and I signed up for saving $15.00 with a $75.00 purchase. They send me a bill for $94.00 and not $79.00. That's false advertising. When will I get the $15.00 discount? Why would Toys "R" Us use this company? Why would Bill Me Later advertise falsely?

I chose to use Bill Me Later through PayPal, unknowing that it is Capital One. I have made my payments on time. To my dismay, I got a late fee for $39.00. I have heard horror stories about this company. Now, I am involved.

I have an eBay purchase offered for 90 days, no payment and no interest. I received a bill for more than the amount which is due within 35 days of transaction, including late fees. Charges were added to the amount due, unethically and illegally by terms of the agreement and advertisement.

I called again four days before the first payment due date and again got the run around. I asked for a BillMeLater supervisor to call me. No call. I called again today, the date of my payment, again without any success. I have excellent credit and don't want to waist any more time with BillMeLater. I am going to pay the amount in full and move on. BillMeLater is a PayPal company. I am disappointed with BillMeLater and PayPal. I canceled my BillMeLater account and am considering if I will cancel my PayPal account.

I signed up for a trial membership in 2009 (which I could never access to use) with Blue Mountain online cards. I did not want to give my credit card so I chose "Bill Me Later" option. When I got the bill I tried to contact Blue Mountain to cancel and was told by a computer that my membership could not be canceled until the end of my contract.

Then this year, it automatically renewed and I am now being billed again for a whole new year of Blue Mountain! I have tried to talk to both companies and never get a human at Blue Mountain. Bill me Later says they cannot control or stop the billing take it up with Blue Mountain. I can not get out of this hellish circle. Help! I have a very high credit score. I would hate to let these jerks mess it up. Possible credit blemish.

I signed up for a "trial" membership for BlueMountain. I did not want to give my credit card information, so I chose the "Bill Me Later" option. I tried to cancel after the "trial," but it was too late. BlueMountain cancelled my membership on 12/31/10 since Bill Me Later had paid. I paid the $29.99 BlueMountain charged to Bill Me Later, evidently was a few days late. Next month, I get another bill from Bill Me Later with fees for last month and this month. Now they say I owe them $42. I believe they are criminals!

I attempted to register for eharmony.com online, but nothing happened. I called eharmony and registered with them directly and they billed my credit card. Today, I received this bill from Bill Me Later. I called and told them there was an error; that I had not authorized their charge. The rep said, I needed to speak with eharmony to rectify. I called eharmony and their rep said that they have no record of Bill Me Later for their services. I called BML again. They will not reverse the charge of $137.85. Being held responsible for charge I did not incur, currently in the amount of $137.85, plus interest at 19 %.

I have received a bill from this company that I don't even have knowledge of with a balance of $1,935.63. They used my date of birth, social security, and address. So, I called immediately and asked about it. They said that I need to file a police report. However, I went to the 34th precinct to file a report, but the officer told me that he can't file a report because they need where the transaction took place, date, and time. I called that company back (Bill Me Later) and said that I need them to provide me with that information and they said that they cannot give me that information.

I returned an 85.00 dollar item to netwshops.com that had originally billed me $90.00. (5.00 for shipping). One month later, I get a late statement asking me for $19.00 late fee plus a $2.00 finance charge. The $5.00 non-refundable shipping from Netwshops was billed as a late fee. Is this even legal?

Bill Me Later embodies all that is wrong with the credit industry and then some. I have never dealt with a more unprofessional, unresponsive and dishonest company. I am currently in a dispute with them over paying late fees and finance charges on late fees, even though I paid the original balance within the claimed "90 day window." Not only did they blatantly lie about the "No payments for 90 days," they decided to purposely further confuse the issue by sending me a letter stating my account had been denied (and I would be receiving a bill directly from the original purveyor) before I even received a bill.

Hence, the second reason, I did not pay my bill in full when I got my statement less than 30 days after purchase. Soon after, I paid the balance in full and wrote them a complaint through their online system. I received no response. Now, I have their subsidiary, NCO Financial, trying to bargain with me, calling me at 8am on the weekends and then every hour after that, and never even bothering to leave a message.

When I speak with NCO, I am told to call Bill Me Later and talk to them directly. When I call Bill Me Later, I am told it is out of their hands and I must speak with NCO. This keeps going back and forth. It does not seem like my situation is at all unique. My suggestion for anyone else is this position: send a certified letter with your complaint and copies of any bills, correspondence, etc.

Also, because they have obviously not bothered to pay any attention to it, quote them the Fair Credit Reporting Act, which requires them to prove legally and in writing that the debt owed is actually legitimately owed by you. Until they do that, they cannot legally contact you in any manner. Usually, it is so expensive and such a pain for them to prove the claimed "debt" you owe them, that they will drop it all together. Good Luck! I'm still in dispute. If I am not able to resolve this within the next 50 days, my credit score (which is nearly perfect) will be damaged. This has been stressful and a waste of my time.

I am late in payments and I have already talked to them when they have called me personally. The account with them is STRICTLY in my name only! They called my husband (he is not responsible for the account nor is his name listed on it) to discuss the account. They divulged information to him regarding what I bought, when it was bought, amounts due, etc. This is a violation of my privacy. Only I should be contacted regarding the account and information pertaining to the account should NOT be divulged or discussed with anyone but me or my attorney.

I booked a hotel thru hotels.com I cancelled the reservation. I am now being hassled by bill me later. I called them and told them I had cancelled and they told me they would close the account, which they did. They are now billing me for $57 and calling me at work. I am paying for something I NEVER used. The manager I talked to was unresponsive. I feel this company is the biggest scam I have seen lately

we have express scripts, when express scripts ask us do you wnat to be billed later, of course you say yes. then you get a bill from bill me later. 19.99% rate, daily.0547%. then you have a hard time explaining you didn"t sign up for bml. It is very deceiving using the title bill me later. How many other people has this happened to.

Using Blue Mountain e-cards online I seem to have invoked billing by BillMeLater. I thought their US Mail communications were junk mail. I called today and paid the base amount that would have been due, $15.99, for Blue Mountain Cards. However, between March 18 and June 17 they tacked on another $25 in fees, more than I initial owed Blue Mountain Cards.

There is a place on this staement in front of me that says their ANNUAL PERCENTAGE RATE for this billing cycle is 104.39%

No one, for anything, should charge an APR 104.39%. Further, adding on late fees in excess of the original debt is absurd.

BillMeLater has agreed to remove these fees and I have paid the initial $15.99 due. Now I want to be sure I never incur any charges through this "service" again. Their telephone support was courteous and helpful, I have no complaint against them.

I cannot imagine there would not be a class action suit against such charging practices!

[They] say that I have a membership fee with Blue Mountain (on-line e-cards) since 1/2009; I tried calling Blue Mountain but cannot get a live-representative, but their automated system confirms my membership cancellation. Bill Me Later is threatening me by saying in their bill that non-payment will affect my credit. I have an excellent credit history, pls HELP!

I am extremely furious about how IBM treats their customers and sales method. Unfornnately I can't find my sales slip as this moment, however, I am unsure about this promotion will be applied on the online system, so I dailed to IBM to place my order as I believe that sales representative can explain the details clearly and effectively. In retrospect, the phone call experience is misleading the leads to this case. Therefore I dailed to IBM, the sales representative received the call and I told him I am going to place an order under the promotion criteria. The sales repesentative did not answer but said that I am qualified for a Bill Me Later program, which he explained I am only required to pay six months later. AS all the customer information was proivde the sales representative, so I placed the order.

However, six months later, I received the bill payment was $107.00 was a huge different. The promotion was $36.00., So I called the IBM again and find out what happened, and they refer me to talk with Bill Me Later. The customer service rep. from Bill Me later told me that the promotion was expired by the time I order, this is very extremely made me mad, also I talk the customer rep. that can they adjustment the payment, eventhough it can't be solve the problem and I received the service that regarded me as an ignotrant consumer, and treats me harshly with a tone that I am causing trouble with their department.

First,I am referred by the IBM customer service dept. with utmost diligence, and they asked me to call them. Second, they said I should verify the Bill me Later myself and ask them earlier. I am really surprised that whether the customer should find informaiton themselves or the sales person should supply this information during the sales person. If I know the true nature of Bill me Later program aheda, I will not even choose to join it as the interest is really high and unreasonable. I have experience with Dell, eventhough their support services is not that excellent, but the sales rep. was really explain the program to customer clear.

When I call the toll free number that was supplied in the letter it is for Equifax Credit Information Services and there is a charge to pursue information.

They sent me an email from 'customer care' about $10 for over $50 purchases. I linked to their website and ordered blinds for $88, but my bill had no $10 credit. After weeks of calling and email and faxing, I am told it is for new customers, even though the offer is also on our billing page or told to call next week, ad infinitum. For us, they are BILLmeNEVER again.

After spending the past few days dealing with BML I am thoroughly disgusted. In an effort to get a jump on holiday shopping, I decided to shop online via eToys who offered BML. Thinking that it would be great to spread payments over 3 months, I opted for BML. Little did I know that I would end up highly frustrated and disappointed with the whole shopping experience?

Immediately after envoking the BML option, I was met with an error message indicating that my transaction could not go forth and to either try another payment method or contact BML. I opted to contact BML to understand what the issue was. I then learned that I had had a previous account that was closed sometime back and would need to reactivate the account.

I immediately recalled the other incident with BML that resulted a few years ago, when a few days before Xmas I placed an order with Toys R Us and opted for BML and received the same message. When contacting BML at that time I was told that the account was denied because they were not able to verify who I was; specifically, all credit was under maiden name but my registered email address bore my hyphenated married name. They attempted to resolve the issue, but could not do so within time frame needed, because they indicated that to restore the 1 hour old account it would take 3-5 days. By that time Xmas would be over , so I moved forward with another payment option. It did not suggest that they should ignore correcting the problem, only that I would pay for my purchase another way.

Todays event is residual from the 2005 event that was never corrected. So, because I have plenty time before the holiday, I agreed to allow them another 3-5 days to restore the 3 year old deactivated never used account. I spoke with a supervisor who assured me that the issue would be resolved satisfactorily and within the stated time frame. As promised, he followed up with this call to indicate that he account had been authorized for restoration and would be active within 3-5 days. Monday I received further confirmation that the account restoration process was completed and the account LOC would be made available within 24 hours. Today is Wednesday, so I attempted to complete my pending eToy purchase, only to learn that half of the items are now no longer available and those that remain totaling $146 cannot be purchased via BML.

I contacted BML who advised me that although my account has been restored and is active for purchase, I can not purchase the amount requested and refused to tell me what the available purchase amount was. Stating that if I read the contract, paragraph (i) it indicates that there is not stated spending limit and that all transactions are scrutinized at the time of purchase to determine whether or not they may be sent forth under the BML agreement.

My next question was - What is the logic behind that approving someone with a zero dollar spending limit, particularly, when BML is aware of the dollar amount that triggered the request in the first place. It is not unreasonable for Borrower to anticipate some minimum realistic spending limit to accommodate a pending purchase. Even American Express gives some indication of the parameters from which a cardholder can operate.

Each step of the way false expectations were sent suggesting that the account was approved, and any reasonable person would expect some minimum or maximum spending guidelines.

Dec27th- I was on the Nutri- system web site and ordered a months worth of food. That evening I called and cancelled my order. Late jan- around the 21st I recieved a food package. I sent it back to Nutri-system. At the same time I got a bill from Bill me later for 2 months of food. I called Nutri-system and they said they would credit me for one month but I had in fact gotten 2 months of food. They also said that the first package was sent in Dec. so I was 30 days too late to call and complain. I said the only reason I waited was becasue this box I sent back was the first one I ever got.

They said call bill me later. Bill me later told me to send formal complaints to them- I went on their web site and filled out the paperwork twice in the following months. Finally in May I was told that the case was closed- my account was 0! In July I got another bill for one months worth of food. I called told them the whole story and they told me I would have to start over again.

I am getting bills, phone calls sometines 4 times a day- they tell me ther is nothing they can do.

Following is the Bill Me Later fine print regarding finance charges. We have been working with them to pay off this account. My wife has had two heart attacks within the past year July 07 and Jan 08, she is now waiting for SSDisabitlity we shared all this with this company and we agreed to pay 100.00 per month on the agreement with them. They BML stated that no longer would we be charged finance charges and our interest rate would be reduced,

To date nothing they have promised us has happened they keep accessing us finance charges, high interest rate and trying to take money from a closed account which we gave them the correct information months ago and they still are trying to take from an account we have closed at one time was our savings. All we have left is a checking account which they have the correct information for. Upon speaking with them they state this is computer generated and they can't do a thing about it. I have a limited salary of only 800.00 monthly and we have medications for my wife that total 486.00 a month we don't have enough left over each month to even pay our regular bills we have ask them numerous times to work with us to resolve this matter so we may pay off their balance but as it turns out they don't follow through with the promises they make to us. We are responsible for this debt and have every intention of repaying as we can.

Please assist us with this matter because each time they attach to our closed account we receive a fee of 63.00 which now totals 1,197.00 to date for their mistake of accessing the wrong/closed account. Following is the most current statement as you can see they have not held up their end of the bargain and are robbing us each month. Please help us with this unfair business practice which we are dealing with each month.

to date we have had to pay our banking instutution a total of 1,197.00 for overdraft fees while they keep accessing payment to a closed account. This amount should be credited to this Bill me later Account. Since they refuse to remburse us for these charges to date.

I was receiving atatements from Bill Me Later every month since I opened the account. When I paid the remaning balance 2 months ago, I never received any more statements. I received an e-mail from them stating to contact them. I called them and was told I owed a balance of $86.00 and they have increased the balance again because of late charges. I have never been contacted and they have never sent any more statements out to us, so I thought the bill was paid. I would not have allowed the late charges If I knew about them. This account does not match my statements, and I was not informed that I owed them anything.

Now Bill Me later are contacting us and saying that our bill has increased to $108.00 . My husband and I called them and my husband tried to work out a payment plan, but now they want the money today. This is not right because out of no where we now have a new bill. when we thought we paid it off. I would have paid the charges if I had know so the bill would not have increased. The balance was $2.00 and I did not know it and this is why they have created a New Balance. I would like the balance adjusted since they were incorrect.

I called Bill Me Later back in June when I used them as a payment option, I was told by the customer service Representative August 31st was the deadline that the bill had to be paid. I then set up an online account with reminders to me to pay, so the bill would be paid in full by the deadline.I paid the Bill in full on August 22, received a statement from them on August 28 and was charged a finance charge of $12.15.

I called to see what happened, we are sorry the statement was sent in error and your deadline was August 1st so we will not the reverse the finance charge. You can write a letter and supervisor Kay preceded to give me a PO box to write to, I chose to write here instead.

Because I was given false information by a customer service telephone representative I was charged a finance fee of $12.15. Not only has this cost me an hour of my time but $12.15, I would like the $12.15 refunded.

Well, to those of you who love BML, all the more power to you, I just hope you keep on having those good vibes, cuz I did too until March of this year.

March 8th of this year I booked airline tix from Phoenix to Jax, Fl so 5 of us could go to our son's wedding 1st weekend in May. First problem: USAirs website was messing up and booked those lovely tix twice, I caught it and called the airlines to get a refund. This was on the 8th of March. I checked USAirs website and the refunds were issued March 10th. But along with that little info is a nice little blurb that it could take up to two billing cycles for BML to pick them up. OK.

I called mid April just to check things out, BML said to wait that the next cycle needs to happen. First week of May I get real antsie and call the airlines, who assure me the refund was issued, and BML is clueless. I have spent hours on the phone with both yoyos. I will no longer be a customer of USAIR either, have told them so for the simple fact that they were rude and as bad as BML on the phone.

Anyway, I finally called BML last week and they suggested I file a dispute, which should take about 7 bus days. I compile my little letter and fax it. Sooo,

I call BML today, nothing is showing, nobody knows anything, and I do agree, there is no customer service. So I ask for a superviser, his name was Kevin and emp code is 2628. And guess what, he asked why I waited so long to file a dispute.....I went thru the phone. I told him this whole sob story, he half way apologized, and when I asked if there was a higher up I could talk to, he told me he was the highest. Give me a break. I asked him if he owns BML, if not, then he has a boss and I will find them. BTW, BML seems to be in Md. now.

So I am going to make waves and pitch a fit, greasy wheel you know, and my recommendation is never use BML. I will cancel the account when I get this cleared up. I am with some of you, I hate credit and plan on digging my way out.

The grace period is still in effect, hopefully this will resolve before then, but my nerves are frazzled.

I opened an account with Bill Me Later in December 2005 after ordering Christmas toys through Walmart.com. I thought it would be a great convenience to but now & pay later, little did I know of the nightmare to come. Since day one there have been problems. First, the bill wasnt coming to my address but I was being charged late fees after I just happened to check my acct on the website.

Once I discovered that I may get a bill and I may not I opted for online only billing, didnt get those either but still got late fees. Finally, I set up through my banks online bill payment service to pay these people once per month on the date that once on the last bill. The minimum payment has not been the same yet, therefore it appears that I am not paying the min amount due.

When I call to find out why the min payment dues keeps changning, of course no one knows. It coiuld not possible be because I am using it and adding charges because the only time I tried to use it after I erroneously open the account was in July 2006 to book a hotel room. The account would not go through so I called Bill Me Later and was told it was due to my buying pattern. I asked for an explanation and the lady on the phone had no clue. I asked if anyone there could explain, she said no, she said she thought it was because it had been so long since I used the card and there was a late payment, although the late fee was refunded. She appeared very incomptene and so has everyone I have spoken with at this place.

It is hard to beleive that Chase bank is affiliated with these nuts. They appear to be some company operated out of someone's home. My next option is to simply pay them the $496.68 the I owe, and that includes the latest late fee becuase the min pmt due has changed again from $10 to $14 and my bank sent $10. I don't think I will call really not in the mood to deal with them. It's very tiring.

Repeated late fees charged to my account.

I sent a money order for 800.00 that was posted to my account as 8.00 on December 13, 2005. I called and was asked to send a copy of the money order so they could verify the amount, which I did immediately. I called at least once a week to confirm receipt of copy and to check status. It wasn't until January that I was told that the amount was verified to be 800.00 and that my account did not have a balance and that it was closed. I was told that as long as no one called that I should assume that my account was closed.

My account was supposed to be no payments or interest until Jan of 2006. For some reason my account had finance charges added on every month that I had to call in and have removed on top of this mess.

I got a bill emailed to me on January 31 for over 800.00 and a new finance charge. I called Bill Me Later again and was told that no, the amount wasn't verified to be 800.00 and that I would need to send an additional copy of the money order that I originally sent. They refused to reverse the finance charge that I wasn't supposed to receive. When I asked if I would have to call weekly AGAIN, once the 2nd copy was sent I was told yes.

The economic consequences that are going to result is that my credit will reflect that I made late payments when in fact this was a problem with the person who recorded the incorrect amount in the first place. The people that I speak with sound like they are teenagers who don't care. When a manager gets on the phone they are unprofessional and rude and treat me like I did something wrong. I feel like I am running in circles and am not getting anywhere. I feel that I have done my part and I am getting the run around because this place is so unorganized and unprofessional.

In Sept. of 2005, I purchased a bed through Overstock.com using Bill me Later so I could take advantage of their 90 same as cash promotion. On their website and their billing statements, Bill me Now states that If you pay more that the Minimum Payment Due but less than the New Balance and want us to apply the excess to the balance on a particular part of the account (such as to pay the Deferred Payment balance before expiration date), contact Bill Me Later at 1-866-528-3733 before you make the payment. WHAT A JOKE!

I have made two payments (Oct. & Nov. each $110.00 each) and called before each one of the payments and neither payment has not been applied to my 90 day promo. Every time I call (about 8 calls so far, I have to speak to whomever is available, never the same person) and I am also told I CANNOT talk to anyone in the credit dept. They are only able to make a note to the credit dept. relating the problem and I have to wait for my next billing statement to see the results; which so far are none.

To make matters worse, my next payment is due 12/29/06 (promo ends 01/01/06) and their fix which occurred on my current statement is that they have dumped my existing standard purchases all into the deferred promo; indicating that I owe not the $92 or so correctly remaining on the deferred purchase, but $384; my total balance. Of course I am unable to get any help in rectifying this before the next billing cycle and by then of course, I will probably be in collections if I don't pay this entire amount.

In essence I made a $292 purchase which I have paid at least $200 towards and this company is in effect, by their lack of response to applying my payment correctly (as their own consumer disclosure indicates can be done)extorting an additional $200 from me at a time when it is not owed to them.

This was not a complicated billing issue, but apparently Bill Me Later's business practices do not include addressing their consumer problems or fulfilling their disclosure notices. It is and has been quite a despicable display of misleading and fraudulent disclosure as well as incompetence, especially from a company affiliated with Chase Bank, USA.

I do not expect to do any more business with Bill Me Later and intend to take my complaint even further, whatever avenues of consumer advisement that I can find.

8-11-2005 Placed an order that was to be billed through Bill Me Later with the terms of 90 days same as cash.

8-22-05 Received a bill from Bill Me Later for immediate payment.
Called Overstock.com and was told this is Bill Me Later's error and to call them.

They were closed. Sent email.

8-23-05 No email response. Called Bill Me Later who said will contact Overstock.com and have this corrected.

Then received an email from Bill Me Later saying this is Overstock.com's error and to contact them.

Tried to call Overstock.com again but their phone system was down. Sent an email through the customer service web page on their web site but it bounced back.

Tried several other email addressed listed on BBB website, they also bounced back.

8-26-05 Recieved email shipping notification from Overstock.com. Replied explaining problem with billing and requested it be corrected.

8-27-05 Received email from Overstock.com saying the billing error is Bill Me Later's and to contact them.

8-28-05 Since neither company will correct this error, filed this complaint.

I want to be billed as per the agreement of the order I placed on 8-11-05. It is supposed to be 90 days same as cash. If I had wanted to pay interest on the purchase, I could have used my credit card at 15% LOWER APR than Bill Me Later. Now they want me to pay them a bozo interest rate for several years. This is a new twist on an old scam: bait and switch. Overstock.com's web site stated that in order to get the 90 days same as cash you have to use Bill Me Later as the payment method. Now that the order has gone through, Bill Me Later knows nothing about it and swears Overstock.com is in error and Overstock.com swears Bill Me Later has made some kind of error. I will not use either company again.

The following month I received a bill from Bill Me Later for $25. I called them to inquire but I was left on hold fo over 10 minutes so I hung up and sent an email. The following month I received another bill from Bill Me Later, again I sent an email asking for an explanation.

Sometime later Bill Me Later contacted me I told them my situation. They said they would remove the charge and contact Hotels.com. The bills kept coming and I kept calling and sending emails. This is where I'm at. Hotels.com did refund Bill Me Later for my hotel charge minus $25. They kept $25 because they said it is their policy.

I asked Hotels.com if the hotel charged them for my cancellation and they said no. I called Bill Me Later and after being on hold for only 5 minutes I got through. I was told if I didn't pay them $25 plus late fees and interest I would be turned over to collections. I certainly do not want my credit ruined over $50 so I paid $50.05. I do want to file a complaint about this. If Bill Me Later would have been honest and communicated with me I would not be paying $30.05 in late fees and interest.By the way, something I found interesting, when I spoke to Bill Me Later and asked why they didn't phone or return my emails I was told the didn't have my phone # or address.

ON November 23.2004 I called the company to pay off a credit balance of $ 72.00. I made this payment on the phone using a personal check,( check # 509.) Instead of the company processing the payment for the amount due, of $72.00, the processed the check # as a payment amount of $509.00, debiting an extra $436.08 from my personal checking account. On Dec 1, 2004, I called the company and was told that I would be issued a credit check within 7-10 days.

On Dec 13, 2004 I called to advise them that I have not rec'd the check as of yet, and was told it was not yet mailed to me. The reps were all callous, and insinsitive in their attitueds, and offered me no definitive answers as to when the check would be issued to me. I requested that they have a manager call me, and to this day, I have not rec'd a phone call.

My checking account now has a -$400.00 + balance. I am not able to do any of my christmas shopping. I have mailed them a letter asking that the issue this check immediately, and also compensate me a $29.00 overdraft fee, in addition to interest @ 21% from the date of the transaction which was 11/23.