PayPal Credit Reviews

I consider myself a pretty savvy consumer. I pay attention to my credit card statements, pay my bills on time and even pay my credit card in full each month. A few years ago I signed up for what was then PayPal's Bill Me Later. I used it several times and always paid it on time and during the 6 month promotion. Eventually my Bill me Later became Paypal Credit. I have funds deposited into my PayPal account on occasion from Ebates and items I've sold on eBay. In early December I made a small purchase on eBay for $20.70. I decided to use my PayPal balance to pay for it since I knew I had funds available. On January 16, I got an email saying my PayPal statement was ready to be reviewed.

Every month I receive an e-mail from PayPal that says my statement is available and I log in using the icon on the e-mail. It shows my balance is 0.00. I think "great". I got another e-mail that said I had a balance, but when I looked at the statements, I couldn't find a charge, so I sent a message via the web portal to see if there was some membership charge that I was being billed for. No response. I look at all my statements and try to find if I inadvertently checked Bill Me Later. I couldn't find anything. I looked real hard at the web page and found a balance amount in a tiny size print relative to very large available credit and 0.00 PayPal balance. Figured out a 12.95 transaction has been getting a $5 charge added every month. Called customer service and he said since I had paid the balance online there would be no refund of the service charges. The poor ratings on this site are well deserved.

2015/11/02 On phone with HP to buy laptop, offered 1 year no interest via PayPal Credit. I said yes but after providing information was told I was rejected. Attempt to discover failed. 2015/11/14 received letter from Comenity Capital Bank C/O PayPal Credit. Rejection suggested I did not initiate the app. Sent letter back to PayPal and received 1/9, "unable to verify." Apply online. 1/10 apply online and rejected. Calling 1/11 told to wait for rejection letter (never arrived). 1/20 called today, same no information response, spoke with a manager who will manually enter info, more in 2 weeks. Bottom line is after speaking with Equifax and receiving the 28 page report, there is nothing wrong. Paypal Credit is NOT responsive to potential customers. Even if opened, will never use.

Seems to be a real pattern here with these folks. I thought my eBay purchases were being charged to other credit cards I had linked (and selected) on my PayPal account. They were put on PayPal credit from which I did not receive any statements of charges, from August 2015, until January 2016. $60 in late fees and interest were added. This was the 3rd time this has happened... The second time, in 2014, I called and asked them to close the account... They never did. Yes, I'm the fool for not following up that the account was never closed. Worst credit account experience we have ever experienced!!! Stay away!!!

I bought a few speakers for $1600+ at eBay in May 2015 and paid with Paypal. I did not pay attention to the fact that eBay automatically connected me to Paypal credit, which gave me a "generous" "6 months no pay option". I normally pay Paypal using a credit card, so I took it for granted that I did it the same way this time. Later on, I did receive a few emails from Paypal credit stating my "due amount" was zero. So I was totally in the dark and discarded the last a couple of emails thinking they were the same. Until 2 days ago (1/4/2016) I accidentally opened an email from Paypal credit and found I had a balance of $1860+ which included $230 interest. I called Paypal and the guy was very rude and refused to do anything to my account. I wanted to talk to his manager and he just left me there holding the phone for 30 minutes. He never tried to find a manager. I feel Paypal credit is nothing but a scam!

I just realized that charges were being made to my PayPal Credit vs. PayPal that takes out of my checking account. Then I found out that I was past due and had no telling how many fees! I paid and deleted my account, not realizing that apparently I cannot email them or see my invoice without having my account active. The balance was $180, I only knew of $80 I had put on there. I won't even use their free account anymore. If there is any past due, they should always use multiple ways of communication. Emails get lost! I guess I have to go back to paper billing on all my accounts.

I bought a saddle on eBay that offer the easy payment plan but when I checked out, the item wasn't under the easy payments. Called PayPal, followed their instructions and still did not receive the offer even after I told them I had a print screen of the offer. This is a scam to get you to purchase the higher priced item thinking you can easily make the payments over 18 months but then they put the transaction through for only 6 mths leaving you with the high interest rates if you can't pay off within the 6 months. I asked to talk to someone else and was put on hold only to be transferred to an ** message.

I recently was approved for PayPal Credit. I was under the impression that I was approved for $2500 to use for purchases. Well here's the scam; you can only PayPal Credit when "they" want you to use it!! I made a purchase using "PayPal Credit" with a merchant that was under a biller's agreement (which means if PayPal is your default form of payment with the merchant there's no need to leave the merchant site to finalize the payment) and being that I made "PayPal Credit" my preferred payment; I had no way of knowing that PayPal Credit determines whether or not they feel like paying for the transaction, instead they decided to use my bank account. Of course with my bills and this unexpected charged my account was in the negative.

Bought an item on Ebay, selected to pay by Paypal. During the transaction, it seemed different. Thought I was having this charged to my bank account. A month or so later started getting credit statements. Thought this was a false charge and ignored until I kept getting them. Tried several times to call, but wait was beyond 30 min. Finally got through, requested what was bought, and indeed it was something I purchased off ebay. I indicated I never wanted the account, wanted it closed. Lady said I would have to call another department. Fed up with what I call run around, paid the original cost of the item, then ignored. Finally got a creditor statement, I called and they answered soon. Still wanted me to pay twice what the original cost was, at this time I have refused.

When I open credit card it was showing promotion that you will have 6 month to pay by PayPal and I opened account and purchase for 1200. I start paying for 200 sometime 300 every month and I was happy there was no interest charges but when I try to make a payment 4th month I saw interest charges there and also when I click previous month they surprise me. They put interest charges for previous month too. I called customer service and they said the charges was there in first place. It is big lie.

I have always used PayPal when purchasing from Ebay. My payment method has ALWAYS been set to default to my saved bank account through PayPal. Today, I noticed my default method had been changed to PayPal credit without my consent or authorization. While I did catch most of the charges and changed it back to my prior default, several small charges slipped through. I called PayPal to complain about being tricked into using credit I neither needed or requested. They tried to say it was a mistake, "because I had probably used PayPal Credit in the past." (Way, way back in the past!!!) If I had not noticed, and since PayPal Credit does not send statements, I may have ended up with late fees and interest, which I assume was their intent in changing my set default without my knowledge in the first place.

I have used PayPal for a number of years to send and receive money. Last month, as I was RECEIVING a payment, something occurred that has never happened before: a screen came up that I feel bullied me--without my realizing it--into applying for PayPal Credit, in order to accept the payment. Not only was a percentage (a "service fee") of the payment amount deducted from my account (this has never happened in the past), I was suddenly "awarded" a credit line with a "payment due."

I used PayPal to pay for an item online and was under the assumption that giving them my bank card information at the time, that the transaction would be automatically deducted from my bank account, (with no fees or late charges assessed the way it was in the past). I did not know this was formerly "Bill me later". Much to my surprise, not only did they not take the opportunity to deduct the payment out of my account, but they had the audacity to charge me an exorbitant amount of interest and late fees due to PayPal not taking the opportunity at the time to use my bank card I provided them. I did not want to pay this later, or I would have chosen to do so. Now I am getting bills from them with an abusive amount of interest accrued along with late fees. Keep in mind that I paid the original charge months ago. I have even called and asked them to Cease and Desist sending me bills and I am still receiving them. Help?

Corruption is running rampant in this once great country and PayPal is further proof of that. I'm going to put this into a nutshell. As of tomorrow, once l have cancelled my newly opened PayPal credit account, l will be dropping both PayPal and eBay accounts of which l have been a member/buyer/seller since 1993. When a credit company defaults my ready cash into ITS/my credit balance from a settlement from a bad seller that l had to open a case against, that's when it's time for me, AND YOU, to go. I cannot transfer that settlement amount into my bank because PayPal Credit automatically holds it as a credit, rather than MY OWN ready cash in hand.

Second time in less than a month! I purchased 3 items on eBay, I made sure 101% I clicked on PayPal Credit!!! And it still charged my bank account! They are making you think you are getting purchases on credit, but they are just making regular sales! Slick from their part! I was 101% sure I chose PayPal Credit!!! And still got charged on my account! I was not counting on spending that money, it really set me back! A huge inconvenience!!! Another thing, you call them and they don't care nothing about you! They just say "sorry, but we can't do anything about it!" And now you're stuck with the problem. I will cancel my account this month with them! I hope they don't have anymore tricks up their sleeves when cancelling. I would give them ZERO stars but it's not possible... PAYPAL CREDIT! YOU ARE THE WORST!!!

The statement report is not clear. I thought I had a positive balance of $6 and change. It turns out that when I attempted to make a purchase, I was denied because instead, I was overdue by $150. I just paid it off. So buyer beware. Their reporting platform is convoluted. I've used it before without issues but things just got confusing the more I frequented the services. I think I may have used it about a total of 15 times between Uber, bday card, and paying friends and family.

I didn't even know I "owed" money on a trip I purchased through Paypal December, 2014, until I started getting outrageous bills, penalties, and phone calls + emails! I contacted them, NO, they were NOT nice. I thought my trip for approx $900 had been paid by my credit card. Many phone calls, letters later, I paid the frigging bill to stop the harassment, more letters from them.

This company was the Bill Me Later and changed to Paypal credit and does not even show their charges on Paypal. I couldn't even send any payment through Paypal and they charged me $150 for fees after I have contact them. Don't even bother get yourself tangled with this worthless POS. Nearly a scam.

I opened a Paypal Credit account, and they gave me a starting limit of $1100. I was using this to buy goods from Home Depot, for remodeling a bathroom. Well, every time I try to use PP Credit online, or in the Home Depot store, it declines it! I called and was transferred around and finally ended up in the PP Security department. They asked a bunch of questions to verify that I am who I say I am, then told me that since I'm new to PP Credit, they will not approve my purchases.

I've been using PayPal Credit (formerly Bill Me Later) as a business owner and am extremely satisfied with my experience with them. Our day to day expenditures are charged to our regular business credit card, but while we were still in start-up mode, I used PayPal Credit to finance bulk purchases of materials/supplies for 6 months with no interest (when paid in full before the end of six months).

I got in a zone of natural disaster during hurricane Joaquin and the house was flooded and we were cut down from electricity and internet. When I returned to my residency in NYC I made an effort to withdraw late fee that was charged on promotional amount (150$ charged on the amount of 310$) because of natural disaster zone. I was refused to remove the late fee. I provided travel documents along with images of the flood and documented my pregnancy (7th month) as a reason for me to fly to Charleston where natural disaster occurred. Apparently not having electricity and internet was not strong enough reason for the bank to withdraw the fee that was overdue for 2 days only.

I tried to checkout with PayPal Credit at rondomusic.com. I have >$2500 of credit and $0.00 balance which I have just paid off fully. Click the pay with PayPal button, but only my bank account or debit card are available for funding. Rondomusic customer service were unable to help and referred me to PayPal. Email PP and got a canned computerized response which was not even close to helping, so I called on the phone. The first representative confirmed that PPC was not available on Rondomusic but inferred it might be that their account is not setup to accept PPC. Emailed rondomusic back and they had already contacted PPC. "... It's hard to understand what they are saying - but it sounds like they [PPC] are denying the transaction for you."

I think that Paypal would have been a great success. They made me feel like I was given the opportunity to establish credit and required me to link bank account under the impression that I would only use what was available in my Bank. I did link banks and thought nothing of it because they told me and within 2 day I was still unsure so I contacted PayPal again and was given whatever type of explanation. So I didn't want to screw anything up and I made a payment for $125.00 and it was only minimum $25.00 due so I then asked if I could pay the following payment. They said yes and of course accepted $30.00 payment on same call. Okay I’m satisfied right? Wrong.

Well sites like Macy’s, Fragrance.net and many other sites allow to use Paypal as a paying method but however when I try to use it, it does not show Paypal credit as an option. When my account shows I have around $2500 credit why I am not able to use it. I thought there might be something wrong with the site but when my husband and son and all his friends use their account it all works fine. So why only my account has this issue and why give me credit if you don’t want me to use it.

I got $1000 in credit and I placed an order on Vitacost for $102 and the money got taken from my main Paypal account instead of the credit account, even though I selected Paypal credit as the payment option.

They will not send you paper statements, so check the statement's bottom line hidden behind the PayPal Credit link on your PayPal account summary page. Mainly, PayPal Credit allows PayPal to charge you interest, which is fine for any lender, but they get to gain an edge over banks. They've made sure they're not regarded as a bank so they can legally manipulate cash flow of money that is not theirs. When you try to pay your PayPal Credit bill, it is not instant. When you make a purchase and add things to your bill, it's instant. When you pay down your bill, even if paying directly from your PayPal balance, there is a SIGNIFICANT delay.

I signed up for PayPal credit thinking it would be handy. Well, I made some purchases through Paypal. At the time, I selected to pay directly through PayPal using my checking account. Well, I thought the money was coming from my checking account. Not the case. When signing up for PP credit it defaults to credit. I ended up with a bill from PP when I thought I had already paid for the items. Yes, I do check my billing, however, life has kept me away from checking charges for the last two weeks. I paid the amount owed and cancelled PP credit. Extremely upset at how they sneaked in that default.

I wanted to order a figurine on eBay using the $1500.00 credit that PayPal told me I had. After several times of trying to order the product using my PayPal credit account, I contacted customer service. I ended up speaking to five people who could not tell me why my credit could not be used. Even a supervisor could not tell me. I went back and tried again to order the product and it went through. I was delighted until I found out that they had charged it to my Visa card. I called up again only to be told that it was nothing they could do about it. Now my Visa card balance that I am trying so hard to get down is back up again. I am very disappointed with PayPal since they are the ones that pursue you constantly to apply for their credit. Buyer beware. Do not deal with PayPal credit because they do not honor their credit line and getting satisfaction is unattainable. Thank you.

Be very careful when using PayPal. They have a service called PayPal credit that when you sign-up (I didn't even realize I was signing up for it), makes all these selections for you. Like the way they will bill you (through email that went directly to spam). Then they charge you ridiculous fees. I will be staying away from PayPal all together. Please share so others don't fall into their trap.

Become less incompetent!!! I have called several times and no one was able to help me. My problem is still not resolved. I have talked to managers and supervisor and everyone who works at this horrible place and still no one has resolved my issue. The information that was given to me doesn't make sense. You have given me a credit line of $1700 and then told me I can't use it because I am new to the company. Also to make matters worse one of your employees told me this is how credit card companies work that you can't use the credit given at any company until you have been with them for a long time. Which is just the most ridiculous thing I have ever heard in my life, because I have a credit card with Chase and when they gave me a 1000 dollar credit I was able to use that full credit.

It seems as though their business model is to make it impossible to pay bills so that they can charge you late fees. If you spend $400 with PayPal Credit expect to be billed $600.

I have had an account with Bill Me Later for several years no problem. Since merging with PayPal Later it is impossible to pay my bill online. After calling for help and 4 service reps later all I have is additional late charges which should not have been added when the problem lies with the billing system of this company. I finally talked to a rep who said they would waive the late charges so we shall see. They tried to say the problem lies in my Apple iPad, iPhone and android tablet but I find it hard to believe when I pay bills on them all the time. They said if I had a windows based computer it would work so I tried my laptop with same results.

So like an idiot I decided to use PayPal credit because they offered me 10 dollars off my first purchase. Well they gave me some twisted answer why I did not qualify for the 10 dollar discount which was ok, they can have it. When I got my statement online it showed no way of paying. I called them and they offered no help. My guess is they make it hard for you to pay so that you get nailed with a late fee and interest. Well I had to call several times and go through a complicated process just to simply pay my bill!! What a huuuge mistake it was using PayPal credit. Save yourself the aggravation and just pay with your own credit card. It's more secure and they will actually help you when you have a problem unlike PayPal which is trying its hardest to nail you into paying unnecessary fees.

I used PayPal to pay Progressive online in January. Somehow it went through PayPal Credit. I never received a statement from PayPal credit for the amount paid until last month they sent me a confusing statement. There was a balance of $366, but the minimum due was $0. I didn't pay attention and ended up paying $40 interest this month. I called customer service to explain the situation and they firmly refused to waive the interest. I paid in full and closed the account. What they do is a trick to make customers end up losing money on interest.

I have had PayPal line of credit for quite some even when it was Bill me Later I have a credit limit of 1,960.00 with a balance of 1,800.00 plus. Well, I recently made a purchase on eBay and at checkout I chose to use my PayPal credit. After doing the transaction I noticed that the funds had been taken from my bank account and not my PayPal credit. After realizing what had happened I called PayPal to see why the money was not taken from my PayPal credit but directly from my bank account. They said that at checkout that the way that it works is the system must have declined my PayPal credit and that the money would come from the available source which could be either my PayPal balance or my bank account. Well, guess what since I didn't have enough money in my account so the system decided to take the money from my bank account that I only had enough money budgeted to pay bills.

COME ON! Paypal ran my credit report and I was hard "dinged". Since I had a Paypal cash available balance I did not nor do I need pay it later. PAY IT LATER. They ran my report without my request or permission. Now I have this inquiry on my report for 2 years. Bad business!

Okay so like most people, I shop online. I purchased a gag gift for one of my friends, and noticed a PayPal Pay Later Credit option. This allowed me to save $10, and have a credit line saved. Some magical way, every transaction after opening this credit line went onto this card. I am talking about simple Uber and Lyft rides that were as low as $6! Why in the hell would I put this on a pay later? I never authorized for all PayPal transactions to go on a "Pay Later" credit. Luckily I received a statement in the mail showing I had $80 worth of transactions I needed to pay. Thank you PayPal for some reason you thought it would be funny to put all my silly little transactions on a PayPal Credit. Screw you!

This is what happened to me: 2 accounts, same name, 2 different SS#. Wow. Then here the BS, I never knew about the other but only 1 - my main 1 or real 1 so to speak. I was paying it always on time until 1 day I get a mail from a bill collector named Simms and they said I never paid them. How is it possible to have 2 accounts with them - same person, 2 different SS#? This is some freaky mess. I should sue them for defrauding me.

I was planning a camping trip and needed to use my PayPal credit account as a form of payment. I had sufficient funds to make my purchase and they continued to decline my order. I called and they would not transfer me to a supervisor and that I would have to wait for a call back. They also said they would review my account and an approval would be made in 24-72 hours. They do not value their customers and have the poorest customer service.

I signed up for 12 months same as cash. I noticed after I did that every purchase on eBay after that defaulted to PayPal. But when I checked out, it moved to PayPal Credit. I didn't catch it a couple times and it added the balances to what I owed in the 12 months. So now every single time I have to manually switch it at check out even though it shows PayPal, not PayPal Credit as the default check out method.

I am a piano teacher and a client had a series of unfortunate events and paid me late for one month. She very kindly went ahead and paid me for part of the next month as a sort of compensation. So I had $260 in my PayPal account. I made a $43 payment to my PayPal credit first thing and received a confirmation email. The next day, I went to get $45 worth of gas in my car. The pump didn't work so the teller cancelled that transaction and then I put $45 on another pump and headed to the cash machine. I withdrew a $100 cash and was charged $4 in fees. Whatever. That day my website manager took out a fee of $24.95.

Like a few others on this review board, I apparently accidentally signed up for this "line of credit" after trying to pay with my credit card. When I was paying, they asked for my birthday and last four digits of my social (which I probably just assumed were generic security questions websites use to verify identity) and then took all my other info to make a hard credit request which dinged my credit score - apparently this is what happened anyway. This is what PayPal explained to me afterwards. I only knew I opened the account after being contacted by Equifax. When I called them and said I didn't authorize opening this account, PayPal first told me to file with Equifax, then Equifax told me to file with PayPal, then PayPal told me to send a written request which they forwarded to Equifax and it was rejected.

I always charge Paypal purchases to my CCs. Thought I did 4/19/15, but somehow it went to Paypal Credit. Received a statement 7/21/15 that I owed $17.32 purchase cost PLUS late fees/interest of $14. Email after buy said NOTHING about this!

This company offered a month no interest plan. I divided my payments in equal amounts and this was a substantial purchase. I missed my last payment for 4 days since I did not receive my statement. The balance was paid in full and now I am stuck with $600 worth of interest for four days. Customer services and finance were less than helpful. I do not recommend them to anyone.

Paypal lies. I signed up for their credit account 18 months interest free over 500$ purchase. Lies, Lies, Lies. Once I was approved and made a 1700 purchase I noticed it said only 6 months interest free. I questioned it and was told "No worries. The promotion was good. It would've adjusted." Lies. They then said there was no promo like that and now I'm stuck paying in 6 months. "BEWARE."

Used paypal credit to buy some items on ebay. Made a payment for 50% of cost. Updated contact info, then tried to make a purchase on newegg. Paypal credit closed my account with no emails to me. I called and they asked me questions from public record about family members I do not know much about. They gave me the run around for 5 days then told me my account is closed and I will need to fax id, birth certificate and a utility bill in my name to go to the next step. At this point I have been treated poorly by the employees and supervisors to the point where I'm going to pay my remaining balance and never ever use paypal or paypal credit again. Worst experience I have ever had with a online business.

I received a $50 PayPal gift card for Christmas. When I tried to use it, PayPal stated that by law, they were required to get detailed identification before they would credit my account. I have had a PayPal account for well over 15 years and have never had this happen. I complained about this as no retailer or online seller has never asked for this information when using their gift cards. My complaints fell on deaf ears. I didn't want to lose the gift card, so I sent them copies of the information that was required (driver's license, social security card and utility bill). Instead of using this information to verify that I am who I said I am and live where I said I live, PayPal took it upon themselves to process a credit card application that I never filled out. I do not want a PayPal credit card, I have never wanted one and I never applied for one.

WTF, this company is so frustrating! I can't access my statement. It gives me link to bill me later, but then it directs me back to PayPal. I don't even know if I get charges penalty or not because I can't access the ** statement!

I never have any statement from this company, no email, nothing. I knew I make some purchases, so I was waiting, then I got walmart credit card statement and notice some purchases paid off to PayPal so I said "oh, ok maybe I give this credit card information," but days later I receives a phone call telling me that I owe them some money and have to paying late fees. I told them about walmart credit card. They didn't know what I was talking about plus they told me that I'm paying late fees since 2013 from bill me later and then they become PayPal. I argue and argue that I always paid my credit cards in full. That's impossible. I owe any money but they still doesn't know about those charges in walmart credit card plus those charges from 2013 is nothing they can do about it. I wish all people know about this so they don't make the same mistake. I did get out of paypal. Don't charge nothing to this company

Bills were all taken care of over the phone a couple months ago and received a bill for $178 this week. Only thing I can find out on line was an item for $58 for a jacket that was returned. Unable to get anywhere on line and the phone number given me with the bill is not working. I would like someone to explain a few things. Can you help me with that?

In April of this year I noticed I was being charged late fees on my PayPal Credit account. I always make my payments 29 days early on all my accounts however PayPal stated these payments were late because they fell into some billing cycle loop. I have been charged over $105.00 in late fees and interest for making early payments for the months of Dec 2014 through May 2015. I called PayPal Credit in April and was told they could give me a partial credit for the fees but that was their monetary limit in that customer service department. I was told if I wanted the rest of the money I had to contact another higher level service department in writing.

They make one click apply and so similar to credit card button that many people trapped and by mistake apply PayPal credit like me. And when asked to cancel they mentioned it's soft inquiry but now I see it's hard inquiry... I am going to file dispute. Please give 0 star option.

I started using this service on 9/06/14 as I have made my first purchase. I do shop on online a lot and was what I thought following fair credit act logic. PayPal Credit: does not credit returns to original transaction! In the old version site it is shown return has been received against the original transaction ** however PayPal credit applied the funds against completely irrelevant transaction. I ended with full interest rate charges still growing against the transaction ** that should have been credited.

I missed the 6 month grace period, because the last statement never warned me about the upcoming finance charge. Their email never mentioned it and it was not on the website statement. Clearly, they are hoping that you miss this. I used to see clear information on my credit card statements but this company clearly wants you to miss the deadline.

A month ago I received a call from a PayPal credit employee with a heavy accent asking if I recognized a charge from "amerisgar." I was not at my computer to be able to check the transaction and I did not recognize the name, so I said, "no." I was advised that the account had been hacked and that I should call and alert the credit bureaus. I did this immediately. When I got to my computer about 30 minutes later I accessed my PayPal account and saw that the full name of the merchant was "America's Gardening Supply. The charge was valid. I immediately called PayPal and told them of their error and that the charge was valid. Since then, I have called in 10 times trying to get this straightened out. They are totally unresponsive and told me that since the account had a fraud charge, which they knew it did not, that I would have to respond to the affidavit when it arrived. It took 3 weeks to arrive.

It is reprehensible that a company as large as BillMeLater is incapable of operating its business ethically. I had a credit balance of $7.00 on my BillMeLater account. The amount was what was left of the $10.00 that BillMeLater had offered me as a new customer. Now, I stopped using Ebay for about seven months. After seven months, I logged back into Ebay and purchased an Ipod case from China for about $5.00. I logged into BillMeLater at check out, but was unable to use the remaining $7.00 to buy the case.

I've used PayPal for years as the payment source for my business. Over the years I've had problems with them, but have to say, they have improved greatly over the years. I had a Bill Me Later account with them that I rarely used but did once in a great while. Now it's been renamed PayPal Credit. Okay, same thing, I only use it occasionally, usually this time of year when my sales are slow and companies I buy products from have great sales going on because they are experiencing the same thing with the slow buying season.

PayPal without my consent ran a Hard Inquiry on my Equifax credit report just before I started the refinancing of my mortgage - hurting my credit score. (There are thousands of people online complaining about the same thing)

I have had my account formerly Bill Me Later for several years. I first used it so I could finance the purchase of an expensive camera. I had 12 months no interest/payments. I made monthly payments 1/12 paid each month until I was paid off. I opened to receive paper statements because it's easier to keep track of and I mail a check in each month. At first I thought it is odd that they don't report to the credit bureaus monthly as it's an open credit line but I have grown to like that fact because while I pay my credit cards in full each month to keep my credit utilization on my credit report low. I can carry a balance if I choose to make a purchase and spread the payments out with a no interest plan.

I was given the option at checkout to use Bill Me Later and I thought 'why not?' and used it to purchase my airline bill, thinking I would pay it off by the end of the month. A couple months went by and I thought, where is the bill. I couldn't remember which site I used to pay for it, so I thought the billing was still in progress and I would receive a bill soon. Another month went by, still no bill. I sort do research and figure out that I used Bill Me Later. At this time I saw that my balance had increased from $208 to $450. I called immediately and discovered they had been sending my mail to the wrong address. I explained to them that I had never received a bill and they agreed to waive the extra fees. I made a payment for the balance and forgot about it, assuming it was taken care of.

Recently, since Bill Me Later became PayPal Credit, I get a confirmation letter, via email, informing me that my monthly payment has been received and applied to my account. But in actuality, the Comenity Capital Bank holds the money until the next billing cycle, so I cannot use any of the money I have paid them indefinitely. I have called the company asking them why I have no access to my funds, they said they can hold the funds up to 8 days. I told them that they are committing fraud then by telling me that my payments have been applied to my account... They have nothing else to say!

I have a PayPal account with available funds to use. I have used PayPal for eBay purchases for years and occasionally for a purchase from a company and have always used my PayPal balance of funds or credit card on file. In this case I have had available funds in the account for over a year. The last 3 purchases I made from what I thought were available PayPal funds were Mar 27, 28 and Apr 15.

Telling me I have 6 months nonpayment required only to get billed last night which is less than a few weeks now to say I owe my payment in full next month is a shame. Shame in your deception. I will close you out once I'm done with you. Good riddance. You fooled me once but I will not be fooled again.

PayPal Balance: 0.00. Available Credit: 537.28

I don't use Paypal payment much - I usually leave it to my husband But this time I ordered and paid for an item using my paypal account. I thought I was signing in and paying for my purchase - just by following the on-screen prompts. What I didn't realize was that I was signing up for a Paypal Credit account. I did not find this out until I received a bill in the mail about 2 weeks later. It was only for $7.00 but I thought the transaction was complete. I then noticed the $7.00 was for a monthly reoccurring fee for the Credit account I had unknowingly opened.

I feel like I got dupped into opening a Paypal Credit Account because I thought I was choosing to pay from the credit balance on my Paypal account. It's extremely deceptive to even call it "Paypal Credit" when for 15 years "Paypal Credit" meant a "credit balance". Now I ended up opening a new credit card account for a $2 purchase.

I have worked with major companies such as Nike, Hilton, and in Hollywood and Japan. I have much experience with global transactions. PayPal credit runs their business on tricks and pop-ups. Without signing up, no phone calls or emails, they assume that you're a part of their hidden road mines of traps to ruin your credit to get free money. I don't trust any transactions with the company with the invisible credit cards with no signatures of confirmation. Beware.

Question: Can PayPal Credit take money from my linked bank account for overdue payments? Here is part of the update I received via email today. "5.4 Setoff of Past Due Amounts. If you have a past due amount owed to PayPal, an Affiliate or eBay, Inc., PayPal may debit your Account to pay any amounts that are more than 180 Days past due." Is PayPal Credit "an Affiliate?"

I agree with all the reviews I was able to read so far. I didn't know my payment method was changed from the regular that I use to, to at PayPal credit. I don't need, want, and didn't ask for it. I don't even remember how that happened. The first time I saw anything about the credit was when I was trying to get an Uber with my phone and I was walking. I saw something about credit when I ordered the car but didn't really had a chance to read it, which I should. I am so mad that they are being sneaky. I called the PP to sort it out and stop the credit just to find out that I could not pay it by Credit card I had in my account. That is the credit card I use all the time for all my payments with PayPal. They are just about to lose a customer that was using the account a lot. I wish I could give less than 1 star, they do not deserve it.

Horrible experience. In the past 6 months, I've talked on the phone with them over 8 hours because they will never approve my purchases. Never!!! ** them! Don't waste your time. Now they have put my acct on hold and won't open it back up without another credit pull. I said goodbye. Not going to use them anymore. Never had such a terrible experience.

I always pay eBay purchases with a bank debit card... I clicked on "pay now" after a purchase, as I always pay immediately after purchase, and was directed to Paypal as usual... I had a credit balance there and clicked "pay with Paypal credit" thinking it was to apply the credit amount to my purchase... I later received a "turn down" letter from Comenity Capital Bank had denied credit for a Paypal credit card... due to unemployment and other circumstances tangential to that. I know that my credit score had been adversely affected and have not applied for credit in over four years, wishing to keep such inquiries off my credit report, letting my credit situation lay fallow while hoping for a better financial situation. In my opinion Paypal used deceptive links to intentionally cause the credit application... I had been very pleased with Paypal for many years but this incident has diminished my perception of the company...

Once upon a time I had a PayPal Account. I also had a PayPal credit account, which I believe at the time was called PayPal Buyer Credit. Quite separately I had a Bill Me Later account. I was able to log into the PayPal website to handle PayPal Buyer Credit, and I was able to log into the Bill Me Later website to handle that bill. Some time after that, PayPal Buyer Credit rebranded as PayPal Smart Connect and Bill Me Later rebranded as PayPal Credit. At the time I was receiving emails notifying me that I had statements to read. At that time in my life, I was busy planning a wedding, and I was just paying bills as the notifications came up. I was receiving telephone calls from PayPal Smart Connect explaining that I was past due. I would log into the PayPal website (the way I used to check my account), and the only PayPal credit account I had was in good standing. Time passed and the calls continued until finally I realized what had happened.

I purchased an item on E-Bay as I have many times in the past. I must have accidentally clicked on a PayPal Credit button by accident because they almost look identical. Now I'm being harassed by e-mail and by phone every day. After much screaming on the phone and talking to a supervisor they told me that they would waive the penalties and take the balance out of my checking account. I don't even know how they got my checking account numbers? The supervisor told me that if I gave her permission to take the balance out of my checking account she would close out my account as I asked and send me an e-mail confirming that my account was closed.

I began getting notices that I have an outstanding PayPal balance of $127 around February of this year. I wrote PP, and they sent me a list of charges from 2011 which supposedly were put on Pay Me Later. I never use PP credit, I always pay by credit card or directly from my checking account. I am now getting threatening notices from a collection agency. I can't make this stop - where do I turn?

I am so upset. My bill me later account has been purchased by PayPal. I tried to log into PayPal to pay my bill; they didn't have any of my banking information from bill me later. I had to set up my banking info which took 3 days to finalize. I have sent two emails to PayPal and both times I have received a generated reply they would get back with me and have not. Now I have a $25 dollar late fee and I still can't get anyone to respond to me at PayPal. I am stuck! I will not use the credit I have from Bill Me Later that went to PayPal; I won't do business with them again.

I received a LifeLock notice that PayPal had pulled a credit report on me. I did not apply for credit. I do use PayPal through my own bank. I will not be using them in the future. I do not know if this legal or not, but it is certainly unethical. I covet my good credit and do not like unauthorized intrusions.

Joined Paypal Credit as they were running a $20 off promotion. Used the service, just as I do Paypal. Maybe spent $25-$30. Never got a bill. Months went by... They kept adding on late charges and service fees. All the while I never received an invoice or an email. Finally I get a call saying I owe $135. Paid the full amount they requested. Then phoned them later, as it was an honest mistake. I thought we could work out something since I've been a PayPal customer for ages with no issues. Useless. In the end I overpaid. So I contacted them via the website asking to send a check for the overpaid amount. No reply. A month passed. After some wrangling, I'm finally "suppose" to be receiving the refund. I'm hopeful. In the end, a little good will on their part would have went a long way - as truly was not intentional. Needless to say, I'm no fan and I avoid using their service.

I opened it and realized that it was not working out, it was too many different accounts to keep track of, so on March 17 I emailed them and closed it, received a confirmation that they closed my credit account, I had to pay the balance of 47.65, I sent them 48.00 and I thought I was done. Now I automate all my stuff because I could end up homeless as I am not great at balancing and checking all the time. If you are like me, you get a lot of emails from each organization that you even just inquired on, thus not always checking my email.

Since Bill Me Later changed to PayPal credit I was having problems with my account automatically reverting to PayPal credit instead of my bank account. I kept having to change my default payment to my bank account and couldn't figure out why. Would go along fine for a while then revert to PayPal credit again. Finally figured it out! If I decide to pay with my credit card on file for an item, the next time my default is changed to PayPal credit! So after every time I use my credit card I have to manually log onto my PayPal account and reset my default payment to my bank account! Very sleazy.

On March 17, 2015, I logged into my PayPal credit account to look at their weekly offers. I found an offer for HP for 18 months financing. However, when I was checking out on the HP website it only offered 6 months financing. I called customer service and was told that the system just automatically chooses 6 months financing, but I should go ahead and make the purchase anyway and I can call again to have the 18 month financing applied. A day after I made the purchase, I called PayPal credit again to request the 18 month financing. A different customer service rep told me that the payment hadn't posted on the account yet, but not worry, as they can easily apply the financing offer once the payment posted on my account. She said she would make a note on my account re: this.

I took two offers in my lifetime, each time I was charged $254, and $289 for the interests. They do not have statements sent out, they don't make it clear which offer due, they charge you high interest, they simply rip off your money... Stay away from them, folks.

I paid my PayPal bill off, over 10 days ago. We had an emergency last week, so we had to purchase items for our home. I wanted to use PayPal credit as I had not budgeted for the problem. When we got to the store, the size we purchased was incorrect. Home Depot was great, the reversed the original purchase, it was all down hill from there.

I am being scammed by them by insisting that I cannot close my account even AFTER I pay my balance in full and they agree to cancel my account. They continue to bill me the same amount I ALREADY PAID month after month. Avoid these credit criminals like the plague. They are the very bottom of the barrel, and should be arrested.

I don't use paypal much but recently got a $100 payment from a friend. So my balance was $96.8 after the fee. I wanted to buy movie tickets with this so I used paypal through Fandango. Under payment methods, it says PayPal Credit. Well I thought that meant my paypal balance, so I naturally clicked. I agreed to some terms and conditions, but I never filled out an application or gave them any personal information. Two week later I get a bill with a payment due and $2500 line of credit. I was irate and called them immediately. I asked them how could they do this when I never filled out an application, and how did they get the last 4 digits of my SS#. They said they took my information straight from Google because I used Google Chrome as my web browser. Unbelievable! Did I check yes to "Terms and Conditions" well of course I did, I thought I was buying movie tickets with my $96.80 balance.

About nine months ago I took advantage of an offer by Bill Me Later which has since changed to doing business as Paypal Credit. As a consequence of my account being "automatically" paperless all correspondence with Bill Me Later and Paypal Credit was emailed to me. Apparently, as these companies were aware of and both representatives I spoke with confirmed, emails from Bill Me Later and Paypal Credit are known by the companies to go into spam email. Paypal Credit was aware their email notices would likely go unseen by a large percentage of customers. Paypal Credit was aware that customers were likely to forget due dates without receiving any upcoming notice, especially after six months. As Paypal Credit was aware of the email glitch, Paypal Credit should have mailed a paper notice to all customers with attention to this matter...instead they choose to use the glitch to their monetary benefit.

Just like the reviewer behind me says: PayPal's latest thing (since Feb 2015 I think?) is if you have that PayPal Credit account, anything you buy from eBay is NOW defaulted to that account instead of the usual bank account and/or card you have been choosing. You have to manually go in and change it. (Tricky if you don't see it.) In addition, If you choose your bank account, THAT is set to default to "Pay it Later", which you then have to manually uncheck. It's crazy! OMG, I'm paying PayPal Credit off and closing it. I do believe PayPal is going down the tubes, folks.

I have been paying my balances to PayPal Buyer Credit rather than PayPal Credit by mistake. I do not have an account with PP Buyer Credit, but they never notified me I was sending them money OR offer me a refund. BUT PP Credit which is through a different bank, but (in their customer service's words) under the same umbrella was not getting my payments. Same umbrella, different banks, no common form of communication. AND under this "umbrella" are a plethora, probably a dozen different products, all going by the name of PayPal.

I will never use this company again. They are very misleading with the other company paypal. You think you’re paying the same company and you find out they're two different companies. Then you’re late and shows as a late pay on your credit report. How can you get the negative information removed from your credit report?

Since I opened PayPal Credit account it's been a nightmare from the start. They cannot accept payments via credit/debit cards, and since I do not have a bank account the only way I can make a payment is through money order through the standard mail. Well, I sent in two money orders, (separate dates) and they received the first one, applied it on my account, and now it's removed off my account with no trace of the payment ever--even remotely being on there to begin with. The second payment they claim was never received. I believe they stole or destroyed the money orders I sent to them. I hate this company and wish I never opened an account with them. Beware before you decide to open PayPal Credit because they will drag you into a hell hole.

I made a purchase at Walmart using Bill Me Later. I had to return the product, there was a mix-up and I got refunded for an incorrect item which has a substantial difference in cost. Walmart told me to dispute it with my PayPal credit which, since the change of the name, I've been on the phone with PayPal Credit at least 7 times compared to the 0 times I had to call before. In order to dispute, you have to fill out some PDF, be descriptive, and fax it to them. Once that was accomplished, I get a letter a month later stating my dispute has been closed based on some information they didn't receive that was never asked for from me. Earlier in the time frame before this letter was in my possession, I attempted to utilize my PayPal Credit option on Uber and was denied every time it was attempted, and it was my only available option at the time.

So I have had a Bill Me later account for some time now and everything has been fine until they switched to PayPal credit. On the 25th of February 2015 I called and made my payment like I always do and noticed that nothing was being taken out of my account. I called PayPal and they said the payment was returned by bank. I called bank and looked at my account and no such thing.

They scammed me out of my money. It was a lie that the two accounts, BillMeLater and Paypal would seamlessly merge, and that my PayPal account would show whatever I owed on BillmeLater. When I logged onto PayPal, it showed a 0 balance and credits. After finally getting a phone from them call about some late payments, I went to the bottom of this, found out that even though on PayPal it showed 0 balance, I owed 135 $ more or less to the PayPal Credit Account (formerly BillMeLater), which became $198 after they added two large late payment fees. I finally called customer service and told them my balance never showed up, and they removed only ONE of the late fee charges! I am really mad about this and cancelled the PayPal Credit Account, l will not use it anymore. Too bad, I really liked BillMeLater.

The service was so much better under Bill Me Later. Since Bill Me Later became PayPal Credit I have had nothing but problems with trying to pay my bill. I try to link my new bank account to pay my bill and the website doesn't respond. It doesn't tell me there's an error. It doesn't tell me there is a problem. It just sits on the page with how to enter the information from a check. MULTIPLE contacts to PayPal for 2 months now and no resolution and they don't even seem to care. Not to mention their account interface is horrible. Once my account is paid off it's getting closed.

I've read several comments on here about folks not being able to pay on their old Bill Me Later accounts on the new PayPal site. Here's how I was able to, I hope it helps you. First log into the new PayPal site, then click on "Wallet". Scroll down to the bottom of your screen and click on "Classic Site". Then click on "My Money". You should now see the PayPal Credit section and a little Bill Me Later icon with your balance info. Now click on "Update". You should be able to see your Bill Me Later balance and payment due amounts. Click "Schedule Payment" and enter your payment info. You should be good to go. Good Luck!

I applied for PayPal credit while making a purchase on eBay. It promised a $10 credit if approved. It did not mention anywhere that if you are already a Bill Me Later client, you would not qualify for this offer. I didn't even know PayPal Credit and Bill Me Later was the same thing at that point, it was not specified anywhere nor did I receive the e-mail they claimed was sent to all customers of Bill me Later. So I never received that credit and made several phone calls regarding it when it was promised they would look into it.

I want to pay on my old Bill Me Later bill and the contact number is no good. Tried to go through PayPal for assistance and they keep referring me to the out of service number. I forgot my old password and other info for this company and can't resolve my late payments.

This service was able to charge me more than 100% of the one charge I did not knowingly make! Beware. Here are the details. I signed up for this service because they were offering me some initial incentive. I knew I would never utilize it. Last month though I received a statement saying I owed them money. When I clicked on the "statement," it came up to the PayPal page where it said I had no credits or debits so I just figured they sent a generic statement and that in fact I owed no money, especially since I knew I did not make any purchases. But this I got another "statement," and again when I opened it it said $0 balance.

I have had a Bill Me Later account for at least 5 years and enjoyed it immensely with both purchases and with billing and paying my account online. After the purchase of BML by PayPal Credit and having to "link" the two accounts to make purchase, I've had nothing but issues trying to pay my bill online. If I go to the Bill Me Later account, I'm directed to PayPal Credit and cannot FIND where I can pay my bill online. I've read many reviews already for this and everyone is having issues that were former Bill Me Later accounts. If I could afford to, I would pay my account in full and be done with Paypal. I hate that I have lost access to my Bill Me Later account and the ease as to how I could buy and pay for my account. Sadly, with the merger I may be forced to close my account.

I love PayPal but I made the mistake of accepting PayPal credit and debit. I have been trying to close the account online for months, and it wouldn't let me, even with $0 balance and waiting until the payment had processed. I finally called customer service. After four conversations (with helpful agents) and one dropped call, I finally accomplished the task. What a mess!

I recently received a voice mail saying I needed to contact PayPal Credit. I called them and found out that I was two months past due. For some reason, I had stopped receiving my paper statements and my email messages. The woman I was speaking to asked me to hold while she checked records. She said that two late fees had been added. Naturally, I was unhappy about this. She also told me that they only sent out paper statements if the account was past due. "News to me," I said. I stated I wanted to bring my account current. She said, "of course," and then volunteered to take off the late fees.

I received a bill in the mail from this company today with a late charge included. I had talked to them 5 months previously regarding the same issue. I never received any notice from them that I owed anything. At that time I asked them to send me a written bill to my residence. The bill that came today is the first I have received from them since my request. I called them to discuss this issue again and have figured out they never did what was asked. They are supposedly sending my issue to a supervisor and I am supposed to call them to follow up. They told me it is my responsibility. What kind of company is this? Bill Me Later was great and always easy to work with. DO NOT DO BUSINESS WITH THIS VENDOR!!!

I receive denial of credit from Comenity Bank and all their company’s under them. I spent a lot of money to them and will never do any more money with anyone they affiliated with. When they give others credit of under with a score of 500. My score was in the 750 which is pretty good during this economic times.

Bill Me Later should be called "Bill Me Late Fees". Their tactics are to Bill you later than you can respond in time to miss a punitive late fee - 25 USD is typical. Sometimes they completely fail to send a notice of payment - Oops! Now you owe us a late fee PLUS interest SUCKER! Shady business model in my opinion. They make their living on late fees and interest so it is in their interest to make miss a payment.

While I wasn't very happy with getting a statement from PayPal that I now have a line of credit and owe them money (I generally live by the "if I have the money, I can buy it" rule) that came from inadvertently setting up a PayPal Bill Me Later account (thought I was using my regular PayPal account). I will that I was happy at how easy it was to cancel it without it affecting my credit. I'm in the process of trying to qualify for a home loan and my financial advisor warned against opening any new lines of credit during the process. I'm very happy with PayPal and have been over the years (they were outstanding about following up with vendor who didn't meet their obligation). It was easy to cancel the line of credit before it affected my credit (some leg work on my part to make the first payment and change funding source with the vendor) but there was no argument or strong arming to keep me with that service. PayPal would get 5 stars here but I think they need to be more conscientious about how they "entice" people to use this service.

I was on electronic statement and since the bill me later change to paypal services I stopped receiving billing. Later discovered it was in my spam. I received 2 late fees and ask for 1 to be reversed. Paypal responded with no late fee removal available because they had removed one in the past. I paid off my account in full and will never do business with paypal via ebay again. DO NOT USE PAYPAL/BILL ME LATER. Total fraud and poor business practices...

I used this for years and paypal never had any problems until they joined together. Now I can't access my bill me later account to pay it and it is separate from my paypal. I get two bills from paypal credit saying I owe 45. I paid by paypal for this bill or thought I DID. Now they say I owe 107. Well I went a head and paid 60 on it because they said that was the minimum. I pay paypal monthly payment so why if they are emerged do I have two separate bills? And why can't I get access to pay my bill me later bill?

I've had a bill me later account for about 5 years maybe longer. I have not been able to assess my account online for about 6 mos. I have no idea what is being added as I can't see the statement. I don't have the full amount and I don't get a statement. I have called Paypal and sent emails on several occasions. They are morons they probably have charged me late fees for something I can't see. They should be charged and I am going to report them to IRS Fraud department.

PayPal users who inadvertently hit the wrong confirmation button when making a purchase should see another website open that strictly deals with opening a BillMeLater (PayPal Credit Acct), so they have the option to immediately opt-out and pay with their personal bank account through PayPal. As I have done for years, I thought I made a quick gift purchase through eBay on my mobile phone. After a few days of not seeing the purchase deducted from my bank account, I looked further, and found that I now had a PayPalCredit account by hitting a strategically-placed wrong button to confirm payment for the purchase. I did not apply for this account, and feel PayPal used trickery to open this unwanted account.

Last month for no reason PayPal credit sent me a bill for $54. I refused to pay. This month same thing + a $25 late fee. I called them to say I will not pay, what I believe is a scam operation. I will not pay it. They asked for month & year of my birth date. I gave them a falsified date -ditto- with the last four numbers of Social Security. I gave the last four of a person who died in 1960. I have done nothing to warrant this. They offered to explanation for this billing.

Confusing checkout on eBay. I thought I was setting up a Paypal account to purchase an item for grand daughter. Checkout offered me a $10 discount for using BML. ("BillMeLater New customers get $10 back on 1st purchase") I understood it to mean 'send my item and don't send my credit card information to the seller'. I clicked on it and was denied. Maybe I have used Paypal before and was not considered a new customer?.... Later I get a denied credit letter from... Comenity Capital Bank c/o Paypal credit. Creditor Contact Information: CCB/PPC 9690 Deereco Rd, Timonium, MD 210936991, (866) 528-3733.

This card is a rip off. I used it once to buy a $54 item. I then tried to pay the entire balance off that month using my Paypal account. I thought my balance was paid off until I found out that their system had glitches and didn't link my Paypal payment correctly. I was not notified of this problem. When I returned to my account 5 weeks later I saw an overdue balance of $115. When I talked to a representative, she told me that the balance was my $54 original balance from September plus another +$60 of late penalty fees, and interest. I told her I had paid this balance off the same month the purchase was made but she said there was no record of it. I demanded to have the late fees removed but I was told to call back later for further review. I cancelled by account and will take legal action if I do not have these excessive fees removed.

I have had a Bill Me Later account for two years. No problems.....paid my bill online each month UNTIL they changed to PayPal Credit with a new totally screwed up site that doesn't even show my balance or make it possible to make a payment! Phone calls haven't helped and I'm hesitant to pay by mail without a billing statement. Wish we could all get together for a class action lawsuit! This will affect my credit rating if I can't make payments. I'm at a total loss!

Now that Bill Me Later is merged with Paypal, it is impossible for me to get to my account. When I created a new account with Paypal and tried to linked, that didn't work either. How am I supposed to pay my bills on time if I can't even get to it??? This is bad business.

My statement to paypal says I received a credit but bill me later says I still owe 90.00. Statements are unclear and deceptive on returns.

Below is a description as to my horrible interactions as filed on a report to the BBB. Sadly after reading reviews here there are other people like me who's payments just disappeared - leaving them also with huge interest and fees. I will never recommend anyone to open an account with PayPal Credit/Bill Me Later; in fact I will warn them to stay away. This is the first time I have used your service to purchase a computer for myself for Christmas. I divided the balance up into equal payments to be able to have it paid off by the promotion end date. When you look at my account from Dec '13 – 7 '14 you will see the same equal payment amount coming out. That SHOULD have been a clue that something was wrong for AUG. I went online July 26th and scheduled the last $49 to be paid to pay off this promotion. I went online "early" to pay my bill as I was going out of town for a couple weeks and the bill was due while I was gone.

I was so excited when I got the bill me later. I charged on it here and there and paid my payments. Now a couple years later and I have a $640 balance with minimum payment $133. Plus the balance rising everyday for no reason. Gives me nightmares!

This is the second time I have been contacted by Comenity Bank regarding activity on my PayPal Credit account for charges and attempted charges. The problem is I DO NOT HAVE such an account!

I called PayPal credit twice today and waited for over 20 minutes to find out why I am paying this month's bill twice on the same day. It's showing as one payment on one area of the system but two in a different area. No one picked up the phone after 20 minutes so I hung up. I am not happy with Bill Me Later changing to PayPal. The service is horrible.

Today I received my first ever Bill Me Later Billing Statement and I hope it would be my last. First, it says "Welcome! Thanks for opening a PayPal Credit account." The statement balance was $2442.09! I have no idea how that happened since the Billing Statement is, like I said, my first one. Then buried in the middle of the message, it says that "we have already emailed a notice to **." Wow, I never knew I have had such an email account! It must be someone else's email account, or worse, a criminal who fraudulently used my mailing address with a fake email address and opened a Bill Me Later Account!

While nearing completion of making an order as a guest customer on eBay, a popup offer from PayPal for a credit of $10.00 came on. My email, address, payment info was requested. After entering the register info, I then selected yes for the credit offer. Right after I selected yes to the $10.00 credit offer, my screen blinked and a popup came on and suddenly a message came on saying my order was made!!! I did not get the final cost. I didn't make the selection for my shipment, nor did I get a confirmation. Now eBay, nor PayPal has a record of my order. But the order came shipped 2 days EXPRESS mail, a high cost I never would have accepted. So with my payment card having not been charged after a week gone by, I believe my order account was HighJacked by Bill Me Later with an outrageous bill because of a large express shipment that I didn't select.

I have had problems with Bill Me Later like others. They tell you no payments on purchases for so many months and no fees. Well, we found out that this is not true. That even though the bills were paid on time the balance seemed to grow.

I have had an account with Bill Me Later for years. Since Paypal has taken it over I have no access to my balance which means I will be sued for it since Paypal can't seem to locate anything. It has taken me all day to set up a password and answer Paypal's stupid security questions. If and when I get my Bill Me Later balance, I will no longer be a member of Paypal. They are hopeless.

I opened a PayPal bill me later account, excited that I might be able to get some things I needed for my car. Later on as I paid, I noticed my total amount I owed kept going up even with way above minimum payments... Not only do these sneaky ** charge you interest on items purchased but periodically charge you asinine MAINTENANCE FEES AND THEN MORE INTEREST CHARGES ON YOUR PURCHASE. Avoid them... I also wish they could be sued for being horrible...

I cannot believe the nonsense I had to go through just to make a payment to my Bill Me Later account. By the time I finally figured out how to do it, I was so mad I paid the stupid thing off and now I am trying to figure out how to close the account for good. Whoever they put in charge of Bill Me Later when they made the change to Paypal credit should be fired.

Bill Me Later is a perfect example of how banks contrive to cleverly confuse and throw off consumers so that they find themselves trapped with outrageous interest charges. While it is everyone's responsibility to carefully review any offer from a credit card company, Bill Me Later deliberately omits certain language (as do its customer service agents) to make it appear they have answered your questions, when, in fact, unless pressed further, they have not. This 6 months No Interest is a convoluted mess. I thought with the collapse of the finance markets several years ago, that this sort of trickery was being dealt with. With each statement there was a note (not easily seen) that aside from the minimum payment due of $25, that if I wished to avoid interest, I needed to pay a minimum of $105.00 (which I did). The second statement came and said the exact same thing. So I pay $105 again. The third statement came and said my offer was up and that I needed to now pay $353 to avoid interest. Shocked and dismayed I cancelled my account. But paid the higher amount.

The minimum payments are egregious and they make you jump through hoops to figure out how to make a damn payment. I will never use this service again.

I have been using Bill Me Later for about four years. I made several deferred interest purchases, which sometimes overlapped in their interest-free pay-off dates. I paid these loans off on time to avoid the balloon interest payments on the full purchase amounts. Bill Me Later would apply my payments to the loan that was due first, so there were no issues until recently.

I have been paying my Tiger Direct Preferred account through Bill Me Later as the Tiger Direct no longer handled and discontinued their Tiger Direct Preferred account and pushed those customers to pay their bill through Bill Me Later. Right before I was done making ALL of my payments, Bill Me Later dropped one of my payments from their system!! I scheduled all my payments (as many as Bill Me Later) would allow me to schedule in advanced since they DO NOT OFFER the automatic payment options AND only allow you to make a few payments through their auto setup system. They tacked on a year's interest, charged me for late payment fees and raised my interest rates. Mind you I am a responsible citizen that ALWAYS pay ALL of my bills on time with excellent credit history.

I have read several of the negative statements made about BML here, and I just have to say I have been using them and PayPal for a good many years with never a problem or complaint. I found the information I was given straightforward and totally above board. Several times, I have used the promotional financing offers, paid the balance off within the required time and paid no interest. I find it convenient that the BML balance and payment due amounts are shown on PayPal's site, with an option to schedule a payment (linked to BML) from there. In fact, BML is becoming PayPal credit, so it is and since November 7, 2008 has been a part of PayPal, which has since 2002 been owned by eBay. I find that researching a company before doing business with them, carefully studying any documents I am asked to sign (even electronically), and making sure I understand what I am getting into before I make a purchase saves me a lot of trouble. Unfortunately, there are always unexpected issues and changes in a company's practices to contend with - neither of which have I personally experienced with Bill Me Later, PayPal, or eBay.

Bill Me Later is a Paypal company and as such one cannot CLOSE a Paypal account while still owing money to Bill Me Later. This is deceptive and bad practice. I will soon be out of debt to Bill Me Later at which point I WILL close BOTH accounts, as I have finally closed my EBAY account (due to their deceptive practices). Since my BFF is a woman with a PhD in Math / former software developer with NASA/Kennedy Space Center AND who has an additional Masters in Taxation Law, I do not need an attorney. SHE IS THE BEST and will rapier thrust against these evil companies.

Filed against: Bill Me Later, Inc. - 9690 Deereco Rd Ste 705, Timonium, MD 21093-6936

Not only could I not access funds in the manner advertised but the funds sent to me were unavailable. But account tied up and preferred method of payment switched online statement altered to fit their benefit - three times in a hour. And to top it all off set up to have not only interest applied but fined as well - all due to their actions. The final insult is my netSpend prepay debit card (the only way I have paid PayPal - WHO THE OFFER CAME FROM AND THE ONE OF TWO WAYS TO PAY BILL ME LATER. I have no bank account) not good enough for PayPal to access money sent to me or a way to pay BILL ME LATER bill but ok for any other purchase and has been for two years. But when connected to PayPal prepay debit card not netSpend, but PayPal prepay debit card automated system not only accepts my NETSPEND card number but THE PIN AS well and has complete access to transaction history.

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. When you apply for an account, one of the first options is to fill out a form. It appears as though you are setting up your account. But actually, you are setting up a Bill Me Later account. I tested this by setting up a bogus account and realized that this initial form is indeed applying 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 note but when trying to recreate by setting up a new account again, this time I was sent to the Link Bank account/credit card page. Odd. But which is what you would expect.

They kept going in and out of my account putting .09 or .26 cent in then drawing it out? Causing me to lose around 200.00. I now I have to change my bank account. It was my first online account, scared the hell out of me.

WARNING: BML will leave a HARD inquiry on your credit report when you first applied for credit with them. As an eBay shopper, I was fine checking out with PayPal, but BML would appear at check out and promote themselves. DO NOT fall for it! Not only will they leave a hard inquiry on your credit report, when you use it again after not using it for a while, they will leave ANOTHER hard inquiry! And according to my credit report analysis by Equifax and TransUnion, BML's hard inquiry is under the NEGATIVE factor in the analysis; quote "this is the inquiry that has impact on your credit score". Both Equifax and TransUnion even say that some auto loans or mortgages will not even impact your score. So consider how poisonous BML's inquiry does to you!

In the past, I have used PayPal to make purchases with a debit from either my checking account or credit card account. The last PayPal transaction enrolled me in Bill Me Later and ran a credit check. I am trying to restore my credit and this situation has further created a problem. I did not authorize opening another credit account.

Was charged $29.97 for a software upgrade download that was in error. I had already upgraded the software and paid for it. I disputed the charge and provided proof but was charged anyway. When they threatened to begin charging interest, I opted to go ahead and pay for it because I did not want to end up having to pay interest or have my credit rating affected. I would not recommend anyone who uses PayPal to have their purchases turned over to Bill Me Later.

While shopping on ebay and completing a purchase, I was promised that I'd receive $10.00 off the purchase price of my item if I agreed to open a new account with Bill Me Later. I filled out the information, was approved for a line of credit, but after checking numerous times, my account never reflected the $10.00 promotional credit. I submitted a request online, asking for the discount to be applied. I received a response a couple days later saying that "the request was complete" but still did not get the promised discount.

Purchased airline ticket through US Air, saw splashy ad for $20 credit if bill me later was used. First bill me later statement... NO CREDIT, and bill me later spokesperson DENIED that US Air had this promotion. I found the link stating that they DID, called back, and was told a supervisor would call me in the a.m..... My wife told them that they deliberately do things like this to lure people in and then make it difficult to actually, if ever, receive the discount/promo... I agree... You know what they say, "If it sounds too good to be true...!"

I have a PayPal account that I always use to purchase items. I purchased an item in May and assumed my purchase would be paid on the account I set up prior with PayPal. I received an email at a later time from Pay Me Later on PayPal. I tried to delete it and could not. Pay Me Later wanted some very private information from me which I refused to give him. There is something fishy with this and I felt very uncomfortable giving my address and email which is available to all.

Do not use Bill Me Later, it is a borderline fraudulent company. This service needs to be removed from the market and investigated by the FBI. The full company name is Bill Me Later (Comenity Capital Bank). Their phone no. is 1-866-528-3733 and the mailing address is:

Every month when I try to pay my account, the system does not recognize me. It does not recognize my phone number or anything else. It says it needs more info. All this delays your ability to pay your bill then they claim you owe them a late fee. I have tried to update the system using a live agent four months in a row and still there are problems. This was a problem that never happened before when Web Bank managed the accounts. In my opinion a much better company. I HATE the new manager. I believe it may be Community but I am not sure. People who pay their bills should not be discouraged and then price gouged by erroneous fees designed to take advantage of your patron. Thanks for the treatment Bill Me Later, but next time, take me out for a burger, at least.

On January 14, 2014 a $15 transaction was paid via PayPal using my credit card on file with PayPal. About a month later, I received a statement from BillMeLater showing the same charge. I don't have (and don't want) a BillMeLater account, so I contacted their customer service and they assured me they would remove the erroneous charge and close the account. However, I have been receiving statements ever since then and now the $15 balance is up to $82 as a result of their service charges. When I finally received enough information from BML to file a dispute, I was told it had been more than 60 days - of course it had - they merely stalled me on my original complaint so the item was age past 60 days. Throughout this period, I have contacted BillMeLater and PayPal to resolve this unauthorized use of an unauthorized account, and despite several assurances it would be taken care of, I'm still being billed.

I used the company for the first time back in late October for Christmas shopping. I promptly paid for my charge on 10/27/13. I had the money. I only used them in the first place because of the $10 promotion off your first purchase, and then I went back to paying for everything else out of my bank account. I thought I was done with them, and after the holiday season I had no reason to log back onto ebay or paypal. I have found out months later that I owed money on my account, but the company neglected to inform me until months later after I'd incurred months of late fees. I had the money and would have paid it up if I'd have known, but when I paid my initial charge apparently the full balance was not up.

I signed up for Bill Me Later via Paypal to receive a $15 money back on a purchase. Bad mistake. I do not out of habit log in to my account to see if I have paid my $22 (or whatever insignificant amount it was) has been paid. I pay attention to bills I get via mail and email but I do not actively pursue them. I didn't find out that I owed the $22 until I got a call from a collector, upon which I paid it promptly and closed my Bill Me Later account with the agent on the phone. Or so I thought. 2 months later I log in and I still have the bill, with a new fee slapped on top. I called again and they said my bank had declined it. Strange, because I use that debit account everyday. I closed it again today - she assured me on the phone that yes, indeed, it is closed, but I have to keep my eye on it. As it turns out, with the fees, I did not save $15. I gave Bill Me Later more money in fees. I would highly discourage anyone from using Bill Me Later for this reason.

I'm so fed up with Bill Me Later. I been with them for couple of years and never had a problem, until recently. The problem was I made several attempt to pay off my balance, but I end up getting an email stating my my payment did not go through. Called customer service several time asking why, not much explanation, just asked for my bank info. Well my payment still didn't go through for like 3 to 4 times and I end up getting charge for late fee. I asked my bank to see what was the problem, teller told me that they do no see any debit from Bill Me Later. Bill Me Later customer service rep. could not waive my fee and asked me to write a letter to the headquarter. So I did and I got an email stating that my fee wavier was completed.

I bought some shirts from ebay and went to check out and I thought I had selected the debit card/paypal option when instead the Bill Me Later option was used (was never an option before)! Now I'm paying a bill that could've been avoided. And some reason the payment WILL NOT process and it's due today. There is no way where you can pay off your balance as if you're checking out of a store online. Bill Me Later makes things a lot more difficult than they have to be. And I will most likely be charged interest for something that I didn't even ask for! I would also like to mention that it's not letting me log on directly from the website. I have to go through paypal in order to access the account.

I had a dispute on something that I bought from eBay using BillMeLater. Regardless of trying to resolve this dispute on my own, it did not matter. Once you pass the 60 days, they do not care whether you try to resolve it yourself or not. You get a letter back saying, "Sorry but you have passed your 60 days", and they cannot help you. It doesn't matter that you have proof that you tried to resolve it yourself or not.

I received a statement every month since October 2013 telling me that I owe $0.00 in minimum payment. At the bottom, it notified me of full payment due on 05/04/14. However, I never received my last/final statement notifying me of payment due. Therefore, I failed to write my check on time to pay before the due date. If I had received that statement, I would have written my check and made payment on time. I think it is very sneaky of Bill Me Later to forego sending me the final notice on time causing me to pay the interest.

From the start, I had trouble with BML. I could not get the system to work and spent a good number of hours on hold over the next 3 days, waiting for someone to help me. When I did get advice, it was wrong. We finally got it to work and I paid the contractor who asked me to use BML. The contracting job went wrong, and I fired the man. He refused to refund the balance of my money, so I filed a dispute with BML. I provided a good deal of evidence - emails and photos, etc - which the contractor refute, but he did not provide one shred of evidence - not a proposal or contract, no receipts, photos, nothing. Yet BML sided with him, saying 'he had completed... part of the work.'

PayPal switch to bank accounts and bill me later - For years I paid through PayPal using my Discover card, which has a larger limit than any purchase I ever made through PayPal. Then when I tried the usual protocol I got a message I exceeded my "limit". Since my modest payment did not resemble anything about my Discover card I called and was told after this imposed "limit" I would have to give them my bank account information. Since I REFUSE to do that for any company they said I could use bill me later. So I said o.k., only to discover that Bill Me Later is a clever device to force consumers to use PayPal as a credit card instead of Visa, Discover, et al bank credit cards on which they have to pay. So I cancelled my PayPal account and find the only disadvantage is that I cannot shop on some lines, like EBay, that only use PayPal (and why wouldn't they since they own it now!). I am only amazed they have been able to get people to agree to this.

I did a test because I had someone use my account and was able to buy 4 different items using 4 different computers and names with my birthday and SS#. Doesn't seem to safe to me. I called them up and told them the issue. They responded by saying no way and closed my account.

I ordered some items from Bill Me Later in May 2012 that I paid off in full by November 2012. I later received a letter saying I ordered an item that costed 39.90 in August 2013. When I asked what that item was she couldn't tell me. I never ordered anything after November 2012. Now with finance charges added that amount has grown to over 200.00. I refuse to pay for something that I did not order. I don't know if Bill Me Later or Paypal is responsible for this but someone need to close those company/companies down. It's getting way out of hand.

I was contacted by BML through a automated call that asked me for personal information. They should know anyone with half a brain is not going to give personal information to anyone over the phone, especially an automated call. The call was about an overdue payment that supposedly happened 6 months ago. I do not recall the purchase so I ignored the automated calls, chalking it up to some robo-scam. After two months of robo calls, I received a call from a person at BML. They stated I had made a purchase some eight months ago with paypal bill me later service. (come to find out BML is only a service and is in bed with paypal but not owned by paypal).

I inadvertently open a BILL ME LATER browser while making a purchase on PayPal. The first charge went thru my bank card. The second charge in the amount of $9.96 went to Bill Me Later. Three months later I received a bill for $22. I believe it was an error and send them a message to cancel the "account". They forward it to a collection agency, and a month later to a second collection agency. It resulted in a negative report to my credit and I was denied any options or explanations. I never intended to register on Bill Me Later. I demanded to see my signature. $172 dollars later and felt trapped. I did not solicit to make business with the company. Do you regulate minimum charges? How do I fix the negative reporting?

When you click on e bay for Bill Me Later it is hard to cancel this service. And you can't canceled easy way, only hard way. Now my total late fee after I pay my purchases in amount $150 is $200 and continuously growing even I calling and ask to stop exponent of fees.

Beware! I tried to make a payment via PayPal and wound up (sadly and unfortunately) using BillMeLater. When I had a problem with accessing the account, they tried to force me to give up additional personal information and ultimately told me that I had to deal with PayPal or the vendor directly, basically washing their hands of the confusion they caused. The customer "service" reps rely on internal hardcore marketing policy through statements whereby they attempt to absolve themselves of any painful hardcore marketing tactics. Just avoid these people if you can. Surprised a great company like PayPal has partnered with these people.

Do not use this service! This is a scam.....I booked a hotel through Bill Me later at Bookit.com. My husband and I had a family emergency and had to cancel it. We called Bookit.com and we were told we would be charged 19.95 for the cancellation and would receive credit for the remaining 1546.00 in 7 to 10 business days. I also had them send me a cancellation notice to my email. 30 days later I was still being charged on my Bill me Later account, so I called Bookit.com back and was told they sent the credit to Bill me Later and to call them to find out why my account did not receive the credit. I called bill me later and they said to send in a dispute form along with the cancellation notice, so I did. The next day I received an email from bill me later saying that it would take them up to 90 days to notify me if....I would be credited! I have called both companies at least six times and both are blaming the other company for the dispute. I will never use this service again...at this point I may end up paying for a service I never received.

Purchased from ebay vendor, when item arrived, it was an obvious fake. Item came with no return address. No response from seller. Bill me later received all the correspondence. Stated I didn't file within the time constraints. I would be interested in pursuing class action lawsuit.

I ordered a piece of music equipment from BH Photo, using Bill Me Later as my payment method. After a couple weeks, I checked the vendor's website and the item still had not shipped. I promptly cancelled my order, and ordered from another vendor (ZZZounds). A month later, I got a bill from Bill Me Later for the original amount. I called and discussed the issue, and was told to provide documentation. I mailed a copy of the email cancelling the order, and a copy of the tracking invoice showing that the item had not shipped at that time. A couple weeks later I got a letter saying that my dispute was approved, and my balance was $0. I called to confirm and was told that the case was officially closed, and I owed nothing.

I ordered my medication from CVS and the cost was about $600.00. My credit union would not approve over $500.00 a day. I called CVS and they said that they could set me up to "Bill Me Later". I did not know that was a finance company, I thought that they meant that they would send my meds. and bill me later. I got the total and immediately sent CVS a check. The I got a invoice from this company called, "Bill Me Later". I called them and told them that I had paid CVS and that I never entered into any contract with them. They promptly and rudely advised me that CVS set up an account for me. I told them that I had not signed up for anything and that they should close the account. They refuse and now I get monthly late fees for a zero balance account that exceed $100.00 a month.

I have had a PayPal account for a number of years, and last year decided to start building my credit back up, so I opened a BillMeLater account. I have Never had any problems with BillMeLater, and paying the bill each month builds your credit, so it's good for that, but I do find it rather impossible to switch it from being the default method... It will say it's going through PayPal, not BillMeLater, but then right before the submission of the order, it will be back to BillMeLater. It only takes an extra second to switch it back, but it's no big deal. I'm not sure why so many people have had problems with it.

I have never gone out of my way to blog or do anything like this before, but I am very upset. BML was working out great for me. I've made many purchases from flights to furniture and appliances. I enjoyed the quick log-in-&-pay and the 0-interest. BUT OUT OF THE BLUE, BML closes my account. They report an attempt by an outsider to use an account that failed and BOOM. No more BML for me. They say I can't even open a NEW account. My credit is immaculate, and I've never missed nor been late with payment. I AM VERY ANGRY... and I feel BML is depending on people to carry a balance until the 6-month mark so they can roll up the interest. When BML realized I was not going to do that, they cancelled me. This is how they handle a single, failed attempt at fraud? No way! They'd be shutting out THOUSANDS of BML account holders daily! Good luck doing business like that! I'm very upset as the service was working so well for me. I did not do a single thing wrong; in fact I did everything RIGHT. No good deed goes unpunished. If I can do anything to return the favor to BML, I will.

We never opened an account through bill me later! Never received any notices from the mail. I received an email on 12/17/2012 stating there's a balance & I contacted them - explained that this was & is fraud. 2 years later & they still have not resolved this issue. I refuse to pay for fraud! They send the ** bill to a collection department on a yearly basis & every year I tell the story. We also had fraud on a credit card - luckily that has been resolved! Save yourself the time & hassle - do not ever think about using this company - they will never listen when you speak or yell, lol! It's just not worth my time & they can kiss my behind. I'M contacting the bbb - hopefully they can help.

Bill Me Later is great for the first few months, then the interest rate skyrockets, the billing cycle is short and the online payment system is awful. I've had 4 payments that were scheduled to post just not post for no reason, thus resulting in late fee of $35 each time and added interest from the late fee. Their customer service could never explain why the payments (that had no issues going through for nearly a year) suddenly just didn't post. They did waive one of the 4 late fees, even though it was their system's fault they could not waive the others. Avoid if you can.

I'm noticing a trend here... & my experience is no different. I stupidly wanted to make a purchase during the holidays & thought using this Bill Me Later service was a good option. I know I did NOT opt to allow BML as the priority method of payment with PayPal. And yet, for the next several purchases my husband or I made, they charged to BML. On two of the purchases I know I selected my bank account or debit card, and STILL the items wound up appearing as charged to BML.

I recently received a call from a Bill-Me-Later (Comenity Capital Bank) fraud specialists. I was asked if I had made any purchases on eBay that morning. I had not. I was informed that someone had allegedly attempted to make two purchases on EeBay from my account. Apparently they either made a mistake or did not have sufficient information to access my account and the transactions did not succeed. Immediately I checked all my accounts and found no evidence of any monkey-business anywhere, including eBay. There were no records of any bids in my account. Nevertheless, I did change all my passwords.

I made a legitimate purchase using my established PayPal account. I received the item ordered and although I wasn't satisfied with what I got, it was my fault that I didn't ask the seller enough questions before making the purchase. Then I received the Bill Me Later bill in the mail. AT NO TIME did I authorize PayPal to make the switch to Bill Me Later. They had the billing information to make an automatic payment to the seller, which is what I had set up. If I somehow made a tacit agreement, I was completely unaware of it.

When I set up my PayPal account they gave me the option to not make BML the default payment method for my account, and so course I chose to make my debit card my default method. I rarely order off eBay because I'm an Amazon Prime member but eBay had a better deal on this Vera Bradley bag I wanted. Well, they took it upon themselves to change my settings back to making BML my default method and I didn't realize it and ordered that bag, and then in my email it told me it had used BML! Now I'm worried that when I try to pay it it's going to cause problems because I've heard nothing but bad stuff about BML, and I try my best to avoid things like this, but as I said I was never notified that it changed my stuff. Granted, it was only a $31 transaction, but still I really don't want a late charge or anything. I'm only 20. I'm just now starting to build credit. The last thing I need is something that's going to harm it. I don't understand how they get away with changing people's settings without their authorization. As soon as this bill is paid I'm cancelling the account, and I will not be using PayPal again!

I've been buying and selling on eBay for over ten years and have never had an issue like this. I purchased a high-ticket item (over 1,000 dollars) on eBay. I normally use my credit cards but Bill Me Later offered me 0 percent for six months. After going about ten days without receiving my item, I tracked the item with the USPS tracking number provided by the seller. It came back with a status as delivered. On further inspection, I noticed that someone had forged my name and it was delivered to an incorrect address. So, it was delivered to someone else's address and someone had forged my signature.

On my account, **, I've contacted BillMeLater customer service service about my payment not posting to my account which the money came out of my checking account on 14 Dec. '13 and PayPal states my payment status is completed and the $26.00 still DID not post to my account. Their phone no. is 1-866-528-3733 and the mailing address is Bill Me Later Correspondence, P.O. Box 105658, Atlanta, GA 30348-5658. Their delays is keeping me from paying other bills. Maybe this service needs to be removed from the market.

I have a few too many accounts I admit. Amazon, PayPal, this credit card, that credit card. I know. However, I'm not living beyond my means. I can pay for what I buy. Bill Me Later is convenient. Also hides my frivolous purchases from wifey's ruling eye. ;) I may be a few weeks late on a payment. I always pay when I get emails. I happily pay any late fees without complaint. I just logged on to make a payment. It says $0 credit available. They closed my account. My problem is, as a customer, I'd appreciate an email, "Hey, we are going to close your account!" I mean, my payments are more or less consistent. I did not disappear. I have to 90 day delinquencies. Lose Bill Me Later, I don't care. I won’t miss them. My problem is that I have to assume that it would have affected my credit score. Also, it's just plain rude. Communicate.

This company is beyond an incredible RIP OFF. They seem to be able to lose payments easier than any company I have ever dealt with. Their accrued interests rates are incredible. Especially eBay sellers should NEVER use BILL ME LATER. You can be a top rated seller with 100% feedback and 5.0 DSR's across the board. If you get into debt with BILL ME LATER, you will find out fast that you will be fast tracked straight off eBay, your items taken down and your store closed. Feebay can make way more off you by setting you up for an Interest "FALL" through BILL ME LATER. Remember "BILL ME LATER" is a FEEBAY company.

Like all modern lines of credit, Bill Me Later is a game you play to borrow money interest free if you are diligent about reading, understanding and following the established offer. If you are not careful, you can easily find yourself paying 30% interest on a balance. The very last thing you ever want to do is put them into "Collections Mode". They are brutal and relentless with no understanding or compassion. Very limited options are left you you. Pay the balance including fees and charges or have your credit devastated.

I tried using this so called service when I tried paying for something on eBay using PayPal. I have been receiving emails from PayPal for at least 2 years to use this service. They tell you they will credit you 10.00 on your first purchase. Do not bother using. I have excellent credit and can go out and buy a car on complete financing but I was rejected by Pay Later which is suppose to be associated with PayPal. I contacted their number and they are terrible to help you after you wait on hold for more than a half hour for a customer service rep. When they finally answer, they tell you to call Equifax and blame them for the denial. My advice, don't use them unless you want to waste your time.

I am writing to warn all about Bill Me Later. I have an account with them and have been a loyal customer. My account has been inactive as of late but has remained on my electronic list of payees in my checking account online. I accidentally paid them $850 instead of the intended payee of Capital One, my next payee after them in my list. What transpired after is almost unbelievable and was stated by Bill Me Later Representative, Scott, verified and recorded by my bank in a 3-way call. A previous call had been made to Bill Me Later in which they stated that the fastest way to retrieve my money was to stop payment because electronic payments takes 8 days to clear on their end. I called my bank. They stated that was incorrect. The stasis is paid since the 3rd (5 days ago).

I made a purchase and used PayPal to pay for the transaction. I started to pay on-line, backed up, reset some information, and then continued to check out using PayPal. A month later I received a statement from Bill Me Later saying that I owed them $40 plus a late charge. I have NEVER set up a Bill Me Later account and have never used BML. I had proof that I paid through PayPal with a debit card and had the bank statement to prove it. BML may have a default setting that I did not see or hijacked my account, but I did not set up an account, though they say I have one.

Now, if a lender pulls your credit score and you are denied credit or given an interest rate that is not the best available, the lender is required to send you information on its decision, including the score used to make that call. I was NEVER sent any information as to why I was declined an account. When I applied for an account, they stated that they could not verify me and they processed a manual review supposedly and stated that they still was unable to verify me but NEVER gave a reason why I was declined for an account. I now have a hard pull on my credit report from them that they refuse to remove.

Don't use Bill Me Later. After I changed to my married name, I tried logging into my account when making a purchase. It made a duplicate account for me. When they merged them finally, my payments skyrocketed an additional $60 a month (and still are) more than I had been paying, even though we paid off the balance of the new purchase that same month. My husband recently lost his job and started somewhere else. I had to make a payment in two installments. I asked them AHEAD OF TIME if we could lower payments or if I could have more time with no penalty. They hit me with a LATE FEE immediately even though I paid partial balance, even though I have a flawless on time payment history with every company SINCE THE DAY I HAD CREDIT and resumed making HARASSING PHONE CALLS minimum 5 times a day. No exaggeration. Literally 5 times every day.

I was looking to switch cell phone providers but in order to do so I had to purchase a new phone which ran over 400.00. I noticed a BILL ME LATER advertisement and thought, great, I have 6 months with no interest to pay off the phone. So I signed up and tried to check out using BILL ME LATER. I was unable to check out that day. A few days later I signed into my PayPal account and verified my information for BILL ME LATER and it seemed to work. I then went back to the cell provider website and tried to purchase the phone using BILL ME LATER. It seemed to have processed and I was happy. I then get an email a day later saying the transaction was declined.

I have been a subscriber to Bill Me Later since 2011. IF you read and understand the agreements, Bill Me Later is totally fair in accessing their charges. If you don't read and understand the agreement, you could have to pay finance charges that you didn't intend to pay. It is a matter of being adult and understanding what you are doing. They have very helpful Customer Service people who will explain the program to you. It is up to you to know what you are doing before you do it. I totally love Bill Me Later!

I made a purchase on August 26th, 2013. I made it through eBay, through PayPal and then through Bill Me later (you all know that process). October 14, 2013, I get a phone call saying I am behind in payments! I explained my payment choices for that day to which they said the $99 6-month no interest was not offered. I begged to differ! Today I googled eBay Bill Me Later $99 6-mo. no interest for August 2013. YES, there was a promotion for this running from 5/1/2013-8/31/2013. I know what I read that day and this is why I lumped my purchases together. To which he told me, "They were separate transactions. But they came out to 1 lump sum that totaled $137!"

I have bought several things from Bill Me Later both through eBay and other merchants including Walmart. I have always paid my bill on time and online as a debit from my checking account, including paying them off once and am fixing to do so again. I have never had the first problem with them. If they charge some interest if you haven't paid off an item by the deadline given, well they have a right to do so. It tells you that in their agreement. So I can't seem to understand why so many are having a problem with it.

I submitted the cancelled check for under $15 which fully paid for the item. BILL ME LATER began charging finance charges over 30%. I called them and the woman on the phone said the payment arrived 3 days late which entitled them to charge finance charges. My response was that payment was received in a timely manner, within 2 weeks of the bill having been received and, that I had no control over US Mail delivery system. I asked to speak to a supervisor and was put on terminal hold. Eventually, they disconnected the call. Finance Charges are now at $112 and they are threatening to send this bogus bill to collections!

I bought something from eBay and used Billmelater.com to pay for it, but after that, my Billmelater account has no balance, and I keep sending them messages telling them to fix their problem. After a month, eventually they replied:

I tried to log in to pay my bill online. I keep getting the runaround. I never get the email the site says they sent for log in help. I have forgotten my user name. I send a payment and they haven't given me credit for it. I got an email today with a new balance. So they can email me and ask for money but they can't go to their PO BOX and check it. Find my payment and cash the check?? I am not happy and if I can figure out how to cancel this account I will. I guess I will have to mail a form to yet another PO BOX. The customer support number never gives you a live person. Just hoops to jump through!!!

Bill Me Later has added over 100.00 to account because of PayPal trying to get money from an account that had been closed for almost a year. Bill Me Later was aware of correct account number and I had been paying them from current account. When I called to try and explain what I was talked to in a condescending manner and kept shifting between PayPal and Bill Me Later operators, with no one trying to understanding my concern or problem. I have paid off bill me later and I know...shame on me for ** with them in the first place. This is just to warn anyone that is thinking about using Bill Me Later...DON'T!!!!! Hidden fees attached to bill, cannot get person to talk to if you call, operators unfriendly and inept, cannot receive or explain charges on statements. Really low class company!!! DO NOT USE!!!!!!

Charged late fee twice. Canceled this stupid service. This is the worst service I've used. PayPal account is linked directly to Bill Me Later, so is my bank account. They can easily set up an automatic payment for upcoming payment due but after a year they still didn't for the purpose to charge late fee and interest rate. Are they insane? No business should set up like this. Call after the first late fee. The representative told me that I can have the option to receive payment invoice in the mail. Yeah, for a while I was receiving it until when bill is about to be due. Then I was not receiving it. The following month I received it. It's already late payment and interest. Ridiculous. So I call them and cancel it immediately.

I made the transaction on 06/02/2013; PayPal paid $ 25.90 to FATBOYTOOLS. Since that day I didn't received any bill, any note, any mail to pay . On 07/27/2013, I received the email from Bill Me Later asking me to pay $ 53.80 including fee and late payment???? I complained to PayPal and Bill Me Later. They did not respond. Then on 08/25/2013, they emailed to me asking me to pay $ 90.80. This is a trick from Bill Me Later. I call Bill Me Later to complain. She asks me to pay $ 29.99 and give her my Visa number. Of course I refused. I said I will pay only $ 25.90, exactly as original price .Then I sent the personal check to Bill Me Later, PO Box 105658, Atlanta, GA 30348-5658. I search on internet. I found over thousands of people complaining about Bill Me Later. I will not to use PayPal and Bill Me Later any more, but there are thousands of Bill Me later victims still being cheated. I hope you do some action to stop their cheating.

I ordered a $35 item from eBay, and paid (I thought) via PayPal. Somehow, the transaction was shifted to Bill Me Later. The item was defective, and returned to the seller, who refunded the money to the provider. Despite the fact that ultimately, no money changed hands, Bill Me Later not only continues to send bills and make harassing phone calls, but they are now trying to bill me $260 for this $35 item for which the purchase price was fully refunded. I believe a class action suit is the only thing that will stop them. I live in the state where Bill Me Later has their bank, and several of our state laws (as well as Federal laws) are being violated by Bill Me Later. In addition, there are enough complaints just on this site to prove that there is a wronged "class".

I have been a BML customer for about 9 months; joining around the holidays. The first 6 months were great; bought some nice gifts for my family & made regular payments. Then in July, the interest rate doubled my payment overnight! I continued to make those high payments for a few months; now the rate has almost doubled again!! There is no way I can pay this crazy high interest rate. Don't bother emailing them or calling; the representatives are just paid clones who will not help at all, just reinforce their policies to you.

In September I purchased water lilies from a pond company for $60.05. This was paid via PayPal. In December I received an email from Bill Me Later that my statement was ready(?) I went to their site and saw the charge of $92.05. When I called and questioned them they told me it was from the same pond company. I called the pond company and they said they did not bill me or charge me for $92.05 and the charge of $60.05 had been paid. I told Bill Me Later I will NOT pay from statements that are not itemized. I have been doing this since that date and now they tell me with late charges, penalties, etc. my balance is $277! I have called, faxed them, and written them letters to no avail. I just received a letter that shows, according to their figures (which are indecipherable) and THEY OWE ME $154.05!! But my balance is still $277. Go figure!

My Wife bought a computer using Bill Me Later and I made all payments within the time-frame required except the last payment, which they scheduled on a weekend and I paid on the next business day. About 10 days later, they called demanding additional interest for the entire 6 month payment period. I explained the situation but they insisted that I pay the full amount (about $45-$50). I then told them that their practice was unfair and deceptive and I would not pay. They followed up with harassing phone calls (two or three, morning and night, every day of the week) to our home phone, plus daily multiple texts and calls to my wife's cell phone.

I was told because the bill me later was not working for one of my transactions to send the money to a friend and have them send it back to me so I could use my PayPal MasterCard. After I did this and my friend sent the money back to me I was able to get the bill through. Then I got an email a few hours later telling me they think I was doing a cash advance on my account, even though they told me to. That my PayPal account, which I use to get paid for my writing from that my account may be closed or a temporary hold placed on all funds and transactions in my account. This would really hurt my income as my writing I do pays into PayPal with no other options available. Hopefully when I proactively called PayPal to ask them about the email and told them what the rep at BML told me to do it would clear up the issue.

I went to refill a Caremark mail order prescription and was referred to Bill Me Later to make a payment. I filled out Bill Me Later's form. Then I was contacted that my order could not be placed because I owed for an order placed previously with Caremark and had already paid (prior to filling out Bill Me Later's forms). Caremark told me my problem was with Bill Me Later and that on my next order I would have a credit. Bill Me Later says I owe them regardless of having paid Caremark or not.

I made a purchase of $7.99 on May 23, 2013 through PayPal only. Three weeks later, I received a statement from BillMeLater: (1) the charge had been wrongly transferred from PayPal to BillMeLater, which I had not authorized; (2) An interest charge of $2 had been added; (3) A late fee of $10 had been added. The result was an APR of over 2000% for those three weeks! My e-mail and two telephone conversations have gotten the same round of gobbledygook that other folks have experienced. I am sharply displeased with the financial practices of BillMeLater, which is a subdivision of PayPal, and will close my account as soon as this dispute is resolved. My PayPal account is set up to be paid from my Visa card. It should have been paid that way.

STAY THE HECK AWAY FROM THIS PLACE. Fraudulent and ripoff. The site is a recent partner with pal and gives you $2,400 worth of credit with NO credit check. You can only guess what the ridiculous high credit rate and penalties would be. They will not tell you upfront.

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.

When using PayPal to make a purchase, it winds up in Bill Me Later. Three different balances when I went to BML to pay off. One said $218.00, one said $0.00, and one said $13.00. I could not call BML on the weekend, so I called PayPal. Guess what? They transferred me to BML immediately. I asked for my current balance - $13.00. I said I wanted to close my BML account and pay off the balance with PayPal. I was told that I couldn't use PayPal! That I couldn't use a credit card! That I had to send a check or wire money from my bank! This is an internet business, right? It's a subsidiary of PayPal. And I can't use my PayPal account to pay off the balance.

Web Bank c/o Bill Me Later, Inc. acquires your personal information across the internet in attempt to open accounts you never apply for then access your bank account to commit theft.