PayPal Credit Reviews

I've used PayPal for petty online purchases for over 10 yrs. and I've had link to my credit card & yesterday out of nowhere I got a bill from them! I immediately call the number on the letter and to my surprise they informed me I had open a credit line with them. I told them I had never did such thing and closed immediately before I got my family attorney involved, as of right now they informed me that it has been closed! I am extremely annoyed with them for this matter and I'm thinking about closing all tides with PayPal because of this matter!

We have used PayPal occasionally over the years but not too often. One time in the last 6 months we made a payment through what we thought was our PayPal account but later learned we somehow had been HIJACKED by PayPal Credit. This is a separate company from PayPal but affiliated. We never signed up for PayPal Credit, never requested credit and never filled out any forms for PayPal Credit. We never were notified of any credit being extended to us by PayPal Credit and had no knowledge of a charge being made through them in our behalf until we received a "pay up or die" demand for payment from them. Very deceptive on their part. I am furious they took over my basic PayPal act and turn it into a credit act that I NEVER WANTED.

This company is #1 ripoff. They juggle your account around as they see fit, their explanations mean nothing to anyone who doesn't work for PayPal Credit. Accounts are of different pages. It's crazy. I hope someone opens a class action lawsuit on them, when these people are paid off I'm done with them, jumping! One more thing. Some of their customer service people are smart ** and rude.

I had no idea I had signed up for paypal credit, I bought something on Facebook and signed up for paypal but it was a credit paypal and I didn't know that... So I bought something, thinking it was going on my credit card, and it charged to that paypal credit. Today I got a statement saying they are trying to collect a debt for a past due amount, AND THIS IS THE FIRST TIME I'VE EVER GOT A BILL!!! What I bought cost $31.95 and on top of that they charged me $33.95 in interest! All this without me knowing about it!

Bill me later or so called paypal credit has ridiculous interest rate. It looks sweet when you look at 6 months no interest advertisement but after 6 months, it gets really crazy. I had paypal credit balance $5000, my interest rate was $100+ a month. When my balance was $4000, my interest was $70+. Now my balance is $2800, interest is $55 a month. Really? I had $7000 balance on my other credit card and my interest was mere $55 a month. This is like highest interest I have ever seen anywhere. Use real credit card instead. Paypal credit interest rate is just crazy after first 6 months.

Other than Paypal defaulting my preferred method of payment to 'PayPal Credit'––which ended up adding to my balance very quickly––without my knowledge––for awhile and I am in the midst of trying to fix that part of this horrid misadventure. But the issue this complaint is really about, is regarding a scam that hit my account early this fall. Ipage, a website hosting service, posted a fee of about $168 to my account. This fee was supposedly for 'the next year of service'. Which, I did not agree to.

I got a phone call from a collections agency saying I was delinquent. I found out it was PayPal Credit. I owed over $1154, of which over $154 was interest and penalty according to them. I did buy a product for $1000 back in March, more than 8 months ago but I did not know it was deferred for payment for 6 months. I thought it was paid immediately. I was tricked into PayPal Credit when I thought it was the regular PayPal. I paid the principal and appealed the interest charges to no avail. I was given a reduction of $25 for late fees, however, I'm still irked to owe anything for interest. My advice is to never use PayPal for anything ever. As per Mack of Homestead, FL, "If you use PayPal you are a fool. It is not convenient. You're better off just using your bank with a real merchant account."

I have had PayPal Credit for maybe four to six months, and other than a couple technical glitches, I've never had any issues. The customer service both times I've had to phone has been very polite and helpful. The interest rates are reasonable, and my starting limit was really generous. I mostly use it with eBay, but I've used it a few other places also. I like being able to set up recurring payments to route through credit, so I have those special protections! Overall I would recommend PayPal Credit to people, but I would say that it helps to be a good troubleshooter, because PayPal and PayPal Credit both seem to be a little better suited for people who are able to spot potential issues and head them off before they happen.

I was approved for paypal credit. I linked my bank account so I could make payments to paypal credit easier. I made a purchase with paypal credit and paypal credit charged my bank account instead and made my life terrible because my bank account was -1000. When I called customer service the gentleman kept putting me on hold because he couldn't give me a straight answer and kept having to come up with something. His best answer was, the purchase did not qualify for PayPal Credit!!

I did not want to provide my checking account, so I opted to send payment through the mail. The first payment I sent I noticed PayPal sat on the check for 10 days before processing it. When I called customer service they said as long as my payment was postmarked by the due date all was well. WRONG...THEY LIED. They began charging late fees the next month after deliberately sitting on my check payment and not processing IT...despite me paying 5x the minimum payment, 10 DAYS IN ADVANCE. These late fees are gone, never to return. PAYPAL CREDIT *WILL* EVENTUALLY TAKE MONEY FROM YOU. Stay very far away from this service.

PayPal Funds was the primary funding source, PayPal Credit was the backup funding source for both transactions. My bank account was NEVER authorized as a funding source. When PayPal Credit rejected the transactions PayPal re-routed them through my bank account, which I did not authorize. PayPal credit should have declined the transaction and I should have received notice of failed funding. I am very upset that what I thought was going through as credit ended up coming out of my bank account without ANY notice.

I've been on the phone with PayPal 3 days in a row. Every time I get put on hold. First time for 45 min, second time 40 min, 3rd time 20 min and no one answers. Last time they offered to call me back in 7 min. 3 hours later no one has called. These people are a joke. It's incredible how they collect your money within a few seconds but take forever to resolve a return and refund your money. Legal action should be taken with the company. Why is our government not regulating this company. Never again will I use PayPal.

I was given $1201.00 in PayPal credit. I have tried using the PayPal credit on numerous websites including eBay. I have tried the stores listed on PayPal website. I have tried to pay invoices received through my PayPal account. I have tried to send money. I have not been able to use PayPal credit once. I have called PayPal Credit several times about this. The last rep said the computer system decides to approve or not approve each transaction. Each rep I talk to tells me something different but always comes back to the computer system is not allowing it and they cannot do anything about it.

Overall, to begin with, I was happy with PayPal credit because it helped me thru a rough time. I got a $800 credit limit. I started paying it off. My minimum payments were about $25. I have not used the card in 3-4 months and have paid on time every month, but somehow I have only $25.11 available after paying $25 for 3 months without spending any money? Called but some foreign lady answered and said it's because of interest. Uhm, no. Worst decision I've ever made. Don't do it.

Paypal offers this line of credit (Paypal Credit), but they won't let you use it. I called them today. The rep told me even though they approved me for over 2k, Paypal will decide if you can buy anything with it. What the hell is that? Well I don't much about business, but you'd THINK, they'd want to get the interest from the product. It's very frustrating. I've tried to buy eBay items of different amounts from $140.00 to $550.00. I've tried different days & times also. Anyone have any ideas? And sorry I don't have an order # since I couldn't buy anything. Plus they don't explain why they decline it. This is what I get: "Your application can't be processed. We're sorry but you won't be able to use PayPal Credit for this purchase. Please choose another payment method". Stupid Paypal.

I was granted a line. I tried to use it. Denied. Over 10 attempts over 2 weeks for ANY amount, unable to use it. PayPal gave me the following excuses: "Try in 15 minutes. Try another browser. Try in 24 hours. Try another merchant. Oh, That merchant does accept PayPal CREDIT. You can't use all of your line" (I wasn't trying to any it would deny ANY amount). Don't waste your time with this. I am going to file a formal FDIC and Consumer Protection Agency and CA Attorney General Complaint.

I have never opened a PayPal Credit (Bill Me Later) account. I recently received a letter dated September 19 stating that I had not been charged interest on my account but would be in the future by Comenity Capital Bank. The letter was the means that I became aware that I had a credit account through PayPal that I had never opened. I called the phone number 866-528-3733 and was told I had in fact opened the account in 2014. The letter said I had opened it on March 5, 2013. They didn't even have a straight story about the date they claimed I opened the account. I asked for the account to be closed. I was told it is now closed, and I hope that is true.

Received 1 pg letter from PayPal credit referring to changes in my account. PROBLEM: I have never opened an account with PayPal or PayPal Credit. I accessed their website and tried to open 'my account'. I was prompted for my email address. That failed. I was prompted for my phone number(s). That failed. I was also prompted to sign up for a PayPal account so I could report the problem. The email option also requires an account. Since I can't login to account I didn't open, I gave up. It was after hours. Called next day. Janeen answered. I explained the situation and it quick was apparent that she wasn't empowered to help me. I asked to talk to a supervisor.

NOTE: Interest and fees charged by a lender cannot exceed fair credit consumer laws. This company is in CLEAR violation of that, and a "CLASS ACTION LAWSUIT SHOULD BE INITIATED". PayPal credit is an embarrassment to eBay, and every source that uses them. I dropped my account today, BUT to make my point, I will never again do business with any vendor that uses PayPal Credit as an option. These folks are thieves.

If I could rate them a "0" I would. I opened an account with PayPal Credit in 2014. I was very happy that I was given the opportunity to get this account. Throughout the year I have told many family and friends about how happy I was with PayPal Credit and they have also open up accounts with you. I've made my payments on time, even paying two. I have spoken with several reps from their customer services due to never received a bill. I was told I had chosen to go paperless (NOT) when I opened my account therefore making my account late for $9.78. Was shocked due to my checking is set up for PayPal as well so why would I charge $9.78 and not pay it. Once I got that matter cleared I continued to make payment to pay this account off. My account show it due 15th of the month. Which I gotten burn before because I paid them in advance and still received a late fee due to no payment on the 15th.

I had a credit of almost $1,000. I closed account and was promised a check for the credit. I called four times and was told three times "the check is in the mail" which meant "it's not my job mon". Now it's a month and I was advised last Thursday that it would in my mailbox. Debbie said that's what her supervisor said. It's Tuesday and not only has no check arrived. I found out it first went out last Friday. One day after Ms. ** told me it had already gone out. How can a company treat its customers like this. I spoke to someone named Sherell who claimed to be a supervisor and surprise the check is in the mail.

I was offered a $2500.00 PayPal Credit Line with little guidelines on what not to do to bring red flags to a PayPal Credit Account. I still can't use my PayPal account with eBay Purchases or with Invoices.

Purchases are confused as PayPal debit card which is separate. It is auto filled from a bank account so balances are automatically paid and the debit card managed balance restored. PayPal Credit is a loan shark operation hiding behind PayPal debit card. If you make a purchase thinking it is being billed to the debit card and will be auto-paid on time, and it ends up as a "loan" on your PayPal Credit account, you never hear about until months later. Thinking the bill was paid on time, you dismiss it from your mind. Instead, PayPal Credit was laid a trap. You have a "loan" accumulating interest and default penalties of exorbitant amounts. Finally, they call or send a bill in the mail, but by then you will "owe" them huge fees. They know their business model is a scam.

Too bad I can't rate PayPal Credit zero stars. It has been the most horrifying experience when it comes to making purchases online and dealing with their customer service, not once but 6 separate times. How can you extend $2200 of credit but allow 1 purchase of $47 and some change? For the last 2 days I have tried to purchase an XBOX One and a few games from Walmart.com. At checkout the PayPal page would load then give the option to use my PayPal balance, debit or PayPal Credit. Again... I have $2200 of extended credit. I chose PayPal credit and the payment is turned down. WTF? This happens twice, each time asking me to choose a different form of payment. I try again 4 hrs or so later and this time, it doesn't even give the option to choose credit, it wants me to use my debit card tied to my account.

I signed up for PayPal sometime last year. I used it to pay for a couple of things here and there, and returned an item or two at one point. Suddenly when I am checking out I see "You have a $35 credit!" which I think, awesome! I didn't realize I had this but it must have been from my returned items. So I clicked to use the credit. Little did I know that this was signing me up for a CREDIT CARD aka PayPal Credit. I'm a pretty savvy consumer with a legal background, and I could not make heads or tails of it. I didn't know that I even had a line of credit until they sent me a late fee in February! I called, saying I had no idea what PayPal Credit was, I didn't want it, I didn't know I even had it. I was happy to pay the balance but I wanted the late fee waived and the account closed. The lady very nicely agreed to waive the fee, and I paid and I thought the matter was done. This was in February.

If I could give PayPal credit zero stars that would be too much. I was online shopping for an elliptical machine. I saw one on Nordic Track website that I liked - I saw an offer to apply for PayPal credit, I was immediately approved for $1500 and purchased that equipment. A few hours later, I saw the SAME machine on another site for $800 so I canceled the initial purchase and attempted to purchase the other one for $800. PayPal wouldn't allow it. I called PayPal credit and they assured me I had $1500 available and there was no problem on their end and that I could purchase it. I tried 3 more times during that evening and each time it didn't go through. I called PayPal credit again and they told me it would work in 24 hours. I waited over 24 hours, tried to purchase and again it didn't go through.

I had a PayPal credit account for years. I always paid as agreed. When I opened the account my FICO was 680 currently it's 725. My balances on revolving are lower than they have ever been. I was just advised that my account was closed without notice.

It was NOT clear to me that PayPal Credit is NOT associated with PayPal. I thought I could use a $2 credit with PayPal to pay part of a small charge I had with PayPal Credit ($130). Did not happen. This $2 difference built up to over $20 in late charges before PayPal Credit bothered to send me a bill in the regular mail. I may have deleted or sent to spam the email notices, but I could not find any in my inbox. When I called, PayPal Credit admitted they had on record that I had closed my account with them, but somehow, they never contacted me to clear up the misunderstanding about the less than $2 difference between what I had paid them and what they thought I owed. 8 months later, I finally get the bill in the mail with all these late charges and notification that the bill had been sent to collections. AAAARRRGHH!!!

Paypal credit is the worst credit company I have ever dealt with! I have paid them numerous payments even weekly of large amounts to get my bill down and they have charged me $35.00 for a promotional purchase that I paid off months ago! They told me I have to call in when and state that I wanna make a payment to a promotional purchase. Never was I told that when I signed up with them! They are sneaky. After paying off my promotional balances I have been charged every month around $8 in interest even though I am putting way more than the minimum payment there. They told me if I put more payments there the interest would be less and no it's not. It's the same. I am so close to paying this card off and will immediately cancel afterwards! Never again! Do not ever apply with paypal credit! They suck your money and they suck. Period! They are losing a great paying customer...

What a scam this is. They lure you into opening an account, hand a hard credit report and approve you for a line of credit. Mine was 2800.00. Have tried on several occasions to use and have only had one transaction of 22.00 accepted. Any and all other transactions did not have the PayPal credit option when checking out on PayPal and wanted to take the money out of my checking account or another credit card. What a joke PayPay Credit is. Had I done the research prior to opening the PayPal credit account, I never would have applied or accepted it. Do yourself a favor and save yourself a lot of hassle, stay away from PayPal.

I spent the good majority of my morning yesterday talking to these idiots. I signed up for PayPal credit recently and was approved. I went to make a purchase and it would not give me the option. Called PayPal (3 calls) to get it "resolved". The woman that "fixed" it unlinked it from my PayPal to a new PayPal. NO GO. Since it was a new PayPal I still couldn't use it. Called these idiots back and got it switched back over. Due to adding it back it limited my account. I had to call 4 more times to get it fixed. Still not resolved. Finally after the 11th call, and 4 managers it was fixed right? Wrong. I went to make a purchase using credit... and when I looked in my bank account PayPal reverted it to processing the payment through my actual debit card. I am deleting my account with them today and filing another complaint with the BBB. These people are complete and utter morons. NEVER do business with them!

Very simply I asked for them to research a company I purchased from just to determine which computer I had. I also contacted the seller that promised a return call. Seller gave me 2 tracking numbers. No call from seller or PayPal. PayPal works with dishonest merchant services to run up credit charges. Then closes your account under dishonest dealing with seller. Stay away from their credit division. Merchant Rakuten. Also sold me a computer that they didn't have in stock.

Previously known as "Bill Me Later" this company will intentionally hold on to your payments in order to scam more interest out of you. And it builds, and builds, and BUILDS. We paid what we owed ($54) on time, but they held on to it and charged us $30 interest. When we didn't pay it, they continued to charge us interest. And finally when the interest was $170, we wrote a letter to consumer affairs who got in touch with them. They reduced the overcharges to $50. Still haven't paid it. They said they closed the account and aren't charging us more interest. But they are. Don't ever use this "service".

Requested a check less than 5 minutes ago and they want to charge $15 fee to cancel it. It costs $1.50 to send it out. What kind of crap is this? That is an outright scam!

PayPal is tricking people into signing up for their credit!!! They tricked me into signing up, and then they DID credit checks with Equifax and the other agencies. This has brought my credit score down. I have contacted my attorney. We should all get together and file a lawsuit against PayPal. They are dangerous and they will deceive you and ruin your credit. Beware of PayPal!!!

Accumulated over $100 in fees on an accidental $5 purchase in 5 months. Of course they don't notify you of a past due payment until they a nice big pile of fees... Closing account required calling in and had me on and off hold for an hour.

Whoever concern it maybe. My identity was stolen several years back. Someone open up an account in my name. I got a police report and sent it to them so it rocked on for a while. They finally figured out it wasn't me. Till this day they will not let me open up an account with them all because what someone else did. I think it's pretty lame for them to hold it against me. I hardly ever complain but this PayPal Credit is a damn rip off, high in interest and payment wise. So beware of this business or whatever they consider their self. I think ebay needs to get someone else to handle the money situation on selling and buying. Paypal credit will never get my business on financing wise. Far as my concern they don't exist.

I very rarely write bad reviews for businesses. Usually if I am dissatisfied with something, I stay away from the company or product and that was the end of it. In the case of PayPal Credit, they made me so angry I literally made an account at ConsumerAffairs just to report them. I was the victim of identity theft - someone opened a PayPal Credit account without my knowledge or authorization. Obviously, the person used an e-mail account that does not belong to me, so whatever it was that he bought (assuming he even bought anything; for all I know it could have been a phony purchase made to a fake business that doesn't exist), I was not notified of it at all. However, the mailing address on the account does belong to me.

When I was sent the MasterCard from PayPal credit I called and spoke to someone in regards to the $4,600.00 I was told was mine to spend and that the balance on my PayPal smart account would be put on the MasterCard and I said "then how do I have $4,600.00 dollars to spend?" I was told that the amount was above the balance that was being put on there and it was mine to spend and that the items I purchased would be added to the smart balance that was put on the PayPal credit card... Well not only was I told this once but three (3) different times I called wanting to make sure I fully understood! I am in a wheelchair and was so excited as I was needing to buy a new chair and purchase a machine for my legs and go back on Nutrisystem to finish losing weight to get rid of the type of diabetes I have.

Ok so I was in between my pay period at work so needless to say I was broke until the following week. I was at work and starving so I decided to sign up for PayPal credit to order some food from GrubHub. The purchase was like $16 bucks or so. No biggie since I would pay off balance the following week. Anyway, I made the purchase and GrubHub gave me the option for Paypal and then I selected credit. After purchase I logged into Paypal to see the balance on the Paypal credit and sure enough the $16 was there Great! Well the following week I look at my bank account and I see that paypal was trying to take the $16 purchase from my bank (mind you I had only $1 in my account), which caused me to get an overdraft fee of $34.

Ordered artwork from Art.com. Checked out with PayPal Credit. That's credit stand alone with PayPal not linked with checking or credit card. PayPal credit gave me a line of credit, ordered picture from Art.com. PayPal Credit authorized my Visa card, charged for 144.00, then realized their mistake, and d/c my Visa card from my PayPal Credit account. In the meantime postal service lost art work. Art.com will not return money to my Visa card because was charged by PayPal Credit. PayPal Credit will not accept return money because they d/c Visa card from PayPal account after discovering their mistake. Now no money or picture. Tried to cancel.

I had a problem with my PayPal Credit account and knew that moneys that were supposed to show up as available credit as I kept paying off my promotions, was not showing up. When I spoke to the reps, several of them sometimes several times a day, they would often imply that their "computer system" could not be wrong. They also keep saying that the numbers balance out so it must be correct. I told them "you can have wrong numbers balancing out and that does not mean they are correct!" Many times the reps made me feel as though I was some idiot who did not understand. In one case I got into a heated argument with a "supervisor" who insisted my balance was a certain amount and it was not!

This place is awful!!! I should have read all of your reviews giving it one star. I bought something in May, was billed 19.99 for it, by the June bill it was in collections and I owed 26.99 and then when I called on June 17 it had jumped to $53. WHAT!!! I knew the interest rate was out of this world but my bill more than doubled in two months and they ruined my credit. This is a POS company so beware. I will never order anything ever through any PayPal account. What they do is criminal. I can't believe they are allowed to take advantage of people like this. Anyone want to champion a class action suit?

So I just got the spend 50 get 15 dollars off deal on eBay. Before the 15 dollars off my total purchase was $118 after $103 but PayPal credit charged me $130. They double charged me for a single item. I did not order two of the same item. I even checked my PayPal main summary and it only showed $103 worth of purchases. What should I do? Feel free to comment any good suggestions.

I will spare you the minor details of my experience with checkout at QVC.com, except to say that it was fraudulent, and that Paypal Credit refuses to do anything about it. Using the Paypal Credit payment option, the QVC checkout process attempted to force me to create a new PPC account. I already have one in good standing – why would I need a second? So, I called QVC customer service, and informed them of the problem. "Morris" simply chattered the terms of the option in the same terms used on the website, and would not answer WHY I was required to create a new account, or answer my other questions. My next call was to PPC customer service, with the same complaint. Speaking to Jillian, there, I got the same response as from QVC, PLUS a new wrinkle – it's THEIR fault! That has a familiar ring, as when I created my PPC account, I could never complete a transaction.

I have had PayPal credit for a very long time now and have used it millions of times when ordering, never any issue but I guess there is a first time for everything. I have also had my bank account linked to my PayPal account but never carry any balance on it, it's always zero. I never use my bank account to pay - always used PayPal credit but I added the account so that my account could be verified. Well yesterday I placed an order for 3 items on eBay, checked out all of them at one time and chose PayPal credit as payment option. For some reason one of the transactions did not go through the PayPal credit but went through my bank instead! I was not happy about this. Yes the money was available but I also have plenty of PayPal credit available too.

I opened a PayPal credit account because of the 6 months no interest. I had only one purchase I needed to make and it seemed like a better option than my cc. I did the purchase online and chose pay with PayPal credit, no problem. Got the item and all is well, until I checked my bank account. The item was withdrawn from my account instead of the credit account. After getting the runaround and hung up on from their terrible customer service, I find out that after you make a purchase it goes through an"approval" process?

I received a bill for a $26.75 item that I thought I purchased through regular PayPal. I was then charged a late fee of $27.00 -- more than the item I purchased -- for a total of $53.75. Once I received the bill, thinking this was a scam since I didn't think I had signed up for this credit card, I called and was told that I was approved for a fairly large line of credit (that I don't need or want). The collector said I had to have provided a lot of personal info. to get this line of credit. I must have known I was signing up for a credit card. I seriously don't remember ever signing up for this. VERY weird. I canceled the account. Won't use PayPal again. This is a scam -- They must be flying right under the "legal" radar. This could cause someone a lot of trouble.

I had $100.00 debited out of my account from PayPal credit. I don't even have a PayPal credit account. So I called PayPal. I was not only on the phone (or should I say on hold) for over an hour, I spoke with 4 different people, the last of which was a supervisor and none of the 3 people I spoke to before her had filled her in on my situation. They took money out of my account, but told me since I don't have a PayPal credit account there was nothing they could do and I would have to contact my bank. That's completely ridiculous. Not only is their customer service horrible, but their business practices are not any good! If you took money out of my account, which I clearly didn't authorize considering I don't even have a PayPal credit account, you should be able to give my back my money! I am extremely dissatisfied.

DO NOT GET A CREDIT LINE WITH PAYPAL CREDIT. After you make attempts to pay off your balance within the 90-days they mysteriously create reasons as to why they have to close your account AND does not bother to contact you! It's been over 6 months and I cannot get a straight answer from them as to what's going on with my account and balance.

I had an individual order a book for me from Amazon. They made a mistake and signed me up for PayPal Credit. The minute I found this out, I paid for the book and stopped the account, I do not use credit. They keep calling me daily to tell me that I owe them 130.00, they cannot explain why I just owe it. Finally, they said it was for various fees, and they will continue with the collection process. I will never use any PayPal function again. My only recourse is to turn the company in to the state's Attorney General. Beware when using PayPal, they will rip you off.

I made the decision of using Paypal Credit to make a fairly large purchases in October 2015 - for an amount of $938.92. They had given me a promotion of no interest or payments for six months. I get my monthly statements online, as most people do. I never bother downloading the statements. Why would I need them on my computer? Every month the same sentence at the bottom of my online statement "No interest or payment due until April 23rd." Fine I thought. When April came around I made plans to pay off the balance in full and therefore avoid any interest. Since every time I log in online, it displayed that no payment is due so I thought as soon as the promotion ends the required payment of my balance would be displayed and I would pay it then.

I have sent checks to this company that haven't been credited to my account. They claim they were returned, they weren't. I would not recommend dealing with them unless you want to double check everything they do.

I was charged for PayPal credit that I never accepted and they are claiming that I did. They have been calling me multiple times a day at work during work hours where I can't talk and have been rather verbally abusive. This has caused a lot of stress for me and I am currently getting a lawyer involved to settle these actions. I can't believe this company would do such a thing for such a small amount of money that has now compounded into a few hundred dollars. I hope someone reaches out to me because I will be posting this as many places I can find.

Made purchase on April 11th using PAYPAL CREDIT (I do have available credit), next day charges show up on my online bank statement. I called their customer (dis)service department call center and initially was able to speak to somebody who was very articulate and most likely even from the US. I explained the problem and she placed me on hold for a few minutes. After a short time she informed me she was transferring the call to another individual whom I can only say learned English last week and was most likely in a deep Indonesian jungle.

I have had a PayPal account for over a year now. Never really used it until recently, until late 2015. I made 3 purchase all which supposedly came with no interest for 6 months, "SO THEY SAY". It make my payment 1 week earlier than the due date and always send them extra, like 3x extra. When I contacted PayPal about the promo, not once, but three times they stated that any additional payments would be added to the promotional balances to bring the balance down before the 6-month end term to avoid interest. On March 26th one of my promo was ending and the balance was 126.00, previously before then I had made my normal monthly payment of 25.00, plus an extra 75.00. I did this for 4 months in advance.

Calling PayPal customer service is a merry go round. GETTING AN ANSWER, means being transferred to several customer service reps who are not knowledgeable. There are chargers on my account that cannot be explained.

I inadvertently opened a credit account when I thought I was using my regular PayPal account. They never billed me but finally started sending me late notices with interest and fees. I called and offered to pay the original charge but not the late fees and interest. They declined. I hung up. I will never pay what I don't owe. They are slippery and slick and rude.

I opened my account on the 20th of March. It was easy. The very same day it was limited. I figured it was because of my age or something. I sent in all my documents and the limitation was removed. I couldn't use it. I sent in a email and BAM... limited again. Literally. They requested the same thing. I re-sent it and the limitations were lifted. Now I tried again. Can't use my account. Guess why? Limited again! I sent in my ID with a selfie, 3 bank statements, a credit card statement, deed to my house, copy of my SSN, cable bill, water bill, oil bill, and electrical bill. I also did the "we will call you" confirmation at 2 in the morning and that "I charge you" thing. The ban was lifted. I tried AGAIN to pay an overdue invoice. Can't. I called. My account is under review again. What more do you want? What more can I send? A blood and hair sample? Urine and stool as well with a blood sacrifice?

First, PayPal opted most of its customers into PayPal Credit without their consent. Second, PayPal did not automatically default your account to receive all of the PayPal Credit related emails and notifications. Therefore, if you have a balance due, you're not guaranteed to even know that you have a balance due until you receive a late fee notification and interest fee. Third, PayPal Credit is not a REAL Credit Card company. They do not report to the Credit Bureau. If you're a responsible business person and pay off your credit card monthly, hoping to use the credit to increase your credit score, think again. PayPal Credit does not inform credit bureaus of your timely payments.

I completely paid off prior months bill and then paid $450 on this month's bill 5 days before the statement closing date. I had $600 in new promotional charges and $250 in non-promotional charges. They now say I still have a minimum payment due of $25 and amount to avoid Standard and Deferred Interest OF $240 for this month's billing period, when I have paid $450.

I call PayPal to make an arrangement to pay a large sum off on my account. The service guy was not helpful with this arrangement and denied to help me. Apparently he has closed my account before it's been paid off and now they are taking money out of my regular checking account for small purchases claiming it's my PayPal credit but in fact it's from my debit card.

I applied with PayPal credit a month ago. Well on the 3rd of this month and it has been a mess. I only applied for this account because it was supposed to be safe and easy to use and it has been everything but that... I have been on the phone every day for so much of my time and have spoken to so many different people that would tell me different answers of how to fix the problem. I understand that each time you call you can't talk to the same person however they should apply a system where it is noted in your account what agent you talk to and what he advised you so you don't keep going in circles like I have, and the worst thing is I have been speaking to supervisors even on the phone 3-way so they could hear what they both was telling me... I thought that would be the end of my nightmare but it wasn't. I only wish they were just as attended to you when you needed their services as I sure they would be if I didn't pay a bill.

In trying to pay off my balance they charged me interest twice before I could pay it off. Finally called. They refused to charge off small interest balance but took payment over the phone to avoid further interest. They lost a long time, good paying customer over $17. Plus I will spread the word to friends, family and associates. Service and management was better before PayPal got involved.

I received a bill from paypal credit with interest and late penalty in August 2015 for a $7.53 charge made in May 2015. I did not make any charge to any credit account and I never applied for credit. All my charges are directed to my bank account or visa. Paypal claimed I did. I went around with paypal and they agreed to drop some of the penalty and close this if I paid $15.93. So I told them to take it out of my bank account, which was agreed to.

I made the mistake of using Paypal Credit to make a fairly large purchase in Sept 2015 - $2850. They had given me a promotion of no interest or payments for six months. This was a lie! I get my monthly statements online, as most people do. I never bother downloading the statements. Why would I need them on my computer? Every month the same sentence at the bottom of my online statement "No interest or payment due until March 2." Fine I thought. When March came around I made plans to pay off the balance in full and therefore avoid any interest. But Paypal had scammed me.

I have used Bill Me Later for years. It was easier to shop online with it. When it originally transferred to Paypal Credit I didn't notice any major change. When it sold to eBay, it became absolutely worthless. I went onto the site and tried to handle a transaction and followed the step by steps, until it told me to click a button that didn't exist. When I called customer service, I spoke to three people, who kept saying, "You mean it doesn't say...?" Finally got a person who said, "Oh! There are issues with the website, we'll fix them soon" WHICH, they did fix about 24 hours later. Went in today to try it again, and AGAIN it doesn't work. Noticed in an email from our reunion people, "We can't use credit cards to pay for the reunion, because PayPal doesn't work with credit cards anymore." Sad to see it go down the drain. It was perfect in the old days. There is no order number because the transaction never went through.

PayPal makes it incredibly easy to unintentionally open their ridiculous credit account, without knowing you have done so. I made a service purchase and thought I had paid by PayPal, as I had done often before. Somehow this $20 purchase was diverted to credit, which I absolutely did not want or know I had done. Having gotten used to many fraud attempt with regard to PayPal (request for update of bank information), I ignored the emails from PayPal Credit, particularly because my computer security labelled them as probable fraud. I thought I had certainly never opened a credit account there, having never entered into any agreement to do so.

I signed up PayPal Credit with 18 month no interest for my iPhone purchase. I set up auto payment and have always paid the required minimum payment on time. After 9 payments, the minimum payment suddenly changed to a much higher amount with no reason given. Since I didn't check the statement monthly, I was assess $35 late fee for 5 months. When I asked why the minimum payment was changed or why was the term changed, the rep cannot give an answer, and mentioned it's my responsibility to check my statement on a timely basis. I think a class action should be filed for this matter. The company failed to honor advertised promotions and abusively charged late fee.

I like many others have been using Paypal for a long time. I had opened a bill me later account in 2008 or 2009. I didn't even know I still had such an account. I bought a ticket for a concert for 26 in December. I thought it was taken out of my Paypal account. I just received a past due notice for 90. When I call, it was a purchase that I made but I still do not understand how it was charged to this credit card, here was the bill to begin with, and now it is past due. I feel like something fishy is going on here. I called and paid the original amount and they did waive the late fees that I didn't even know I had. And I asked that the account be closed so this can not happen again. I am really gun shy with Paypal since someone hacked into my Paypal account a few months back and used it for Ebay. That was fun! The person that I spoke with was very nice and patient but the process of how I was billed on a credit card was beyond me and somehow felt tricky.

Somehow charges were added to my PayPal credit. I hadn't used it in 2 years before this. PayPal credit showed up on my PayPal account one time then disappeared. Thought I was seeing things. But even when you search for PayPal credit or use a link in an email you are taken to your PayPal account page. In my case PayPal credit balance was not there, although email links kept sending me there. I finally got a late fee email and was told they would pursue further collections. I couldn't find them. I called PayPal who told me how to get in touch with them.

I thought I had one PayPal account which I have been making payments to. Now I have been turned over to a collection agency for charges I thought I had been paying all along. This is the first time I have ever been turned over to a collection agency. I am so mad. Apparently purchases I made via QVC last year went on a PayPal credit account instead of PayPal Smart Connect (I didn't even know they were two different things). I paid it today and have severed all PayPal accounts. I will NEVER use it again. Sooo mad.

Whenever I make a payment on my PayPal credit card balance it takes 4 to 7 days for it to be deducted from the balance. When I make a purchase it also takes 4 or more days to show in the balance. So everything is so delayed that I cannot tell if the numbers are accurate. Trying to do a personal audit is a nightmare. Why does it take so long to process these accounts?

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.