PayPal Credit Reviews

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.

Bill Me Later advertised no interest for six months. After six months went by, Bill Me Later tried to charge me interest retroactively and then they started charging me monthly penalties for not paying the interest. The balance was paid in full. To make matters worse, Bill Me Later calls my cell phone three to four times daily. They do not leave a message. When I speak to them on the phone, they insist that all calls be recorded. The interest rates they charge are usury (i.e., immorally high interest). I am an attorney and will contact a consumer attorney about filing a class action against Bill Me Later.

I decided to purchase a set of $1,000 tires from TireRack.com in April and chose to use Bill Me Later based on the supposed "No interest for x days on purchases $99+" offer that they are constantly promoting on my account page. Well, when the billing cycle closed, I saw that I had to pay the entire balance by the due date to avoid interest charges. Needless to say, I was flabbergasted. I immediately sent a contact form through their website. After waiting for three days, I received a completely inadequate, canned response telling me absolutely nothing. I was furious.

I paid my Bill Me Later bill of $39.98. BML said they didn't get it. Now I have to pay $66.98 with the late fee. I do not think it is fair since I always pay my bills on time and I am being punished for some red tape mistake on their end!

Unwilling to work with me to waive finance charge - The department they claim can make decisions are unreachable via phone. I could not speak to anyone who had the authority to waive a finance charge. I was told the only way to communicate my issue was by sending a written letter. So that is what I did, and did I receive a response? NO.

I ordered a pair of shoes on eBay that were never delivered. I paid with what I thought was PayPal Bill Me Later, but apparently is a separate department. Because when I went to file a dispute, I was told I was not protected under the consumer guarantee because I used the BML option. So then I wrote in a dispute and had to contact them again a week later just to be told they were not opening an inquiry because the sender said they were delivered. Since I am not a liar, we have a definite issue. I have tried numerous times to contact them again. Apparently, I will not hear from them until my bill is due. I would not recommend using this service unless of course you want to be called a liar and pay for items never received.

I contacted Bill Me later today to discuss a credit balance on my account. I had paid my account off on May 15th and was looking to receive the credit which was applied to my account for a previously scheduled automatic payment which processed on May 20th. I was told by the representative that I had to wait until June 19th to receive my credit in the form of a check. My payments were electronic to Bill Me Later and I do not understand why I would have to receive a check. The representative had no answers to help me, so I talked to his manager who proceeded to tell me that Bill Me Later had to review my payment and ensure that the bank was not going to reverse the payment.

Sent me a bill for $18, but no date, no merchant, no product or service information. NOTHING AT ALL except a demand for money.

I opened an account with BML only to have the worst experience of my life for online purchase. I bought a tablet; that was not as described, so I told eBay about it with a complaint. I was asked to send the item back to an address in Rosemead, CA. I had to pay 22 dollars to send it back and then I was receiving daily phone calls about when I was going to pay off the $300. First the tablet was only $149, so as I was talking to BML agent, they were telling me the item was not received. This is now 4 months after I returned the item, so I had to go through another whole complaint process. In both complaints, I won my case.

Let me give a little background. My late wife passed away 2 1/2 years ago, so since then life has been rather difficult. One year ago I purchased a plane ticket online and used PayPal. I got an offer for $10.00 off if I signed up for Bill Me Later, so I did. Most of my bill are auto pay so I just check the balance periodically. About 1 week ago, I started getting phone calls from Bill Me Later. I did not even know I had a balance since I paid the plane ticket off when I got back. One man told me I owed them for the plane ticket and a healthcare charge. I said I can't talk now as I am at work, but I did tell him I did not recognize the healthcare charge. I had planned to review my statements to make sure I had paid the ticket.

I was online today when I discovered that my primary funding source in PayPal was BillMeLater rather than my checking account. I have always had my checking account as my primary and could not figure out why this had changed. I spoke with BillMeLater, then PayPal, then BillMeLater, then PayPal, then BillMeLater. I was never able to receive a satisfactory answer as to how my primary funding source was changed. The best answer I could get was that BillMeLater was a PayPal services and as a PayPal customer it was considered my primary funding source when I got approved by BillMeLater.

I opened a Bill Me Later account and authorized a purchase from NordicTrack on 11/28/11 using Bill Me Later. Bill Me Later offers no interest if paid within 1 year and does not require payments. I paid this purchase off in full with Bill Me Later on 4/13/12 making a final payment of $500.00. Once I received the statement closed on 5/13/12 showing final payment and zero balance, I did not make any further purchases using this account. On 3/14/13, I received a call from Bill Me Later (Tamara, Rep ID **) saying I was past due for a purchase made from Icon (NordicTrack) on 6/1/12 in the amount of $359.60.

I purchased a $17 item using PayPal. Unbeknownst to me, an account was opened for Bill Me Later. Supposedly, I completed an online application, but I do not recall doing so though the transaction was valid. The fact that a credit account is being opened is not clear and appears to be an intentional tactic to deceive the consumer based on my experience. I received a call from Bill Me Later explaining that the past due amount exceeded $100 including late fees and interest. After several calls, Bill Me Later agreed to waive the late fees, but I was still charged a finance charge bringing the total to $28.68. I asked them to waive the interest charge but they refused to do so. While I certainly may have completed the form online, it was not clear to me that I was opening a line of credit. I would never agree to open one had I known.

In July of 2012, I purchased an item on eBay and paid for it using PayPal as I usually do with online purchases. Several months later, I received a bill from Bill Me Later stating that I owe them for this purchase. I informed them that I did not bill the purchase to Bill Me Later, so this constituted an unauthorized re-routing of my PayPal request to Bill Me Later and requested that they reverse their error and return the charge to PayPal so I can pay for it. They stated that due to internal regulations, this was impossible (even though Bill Me Later is a part of PayPal) and the only option would be for me to have the merchant refund the item and then pay for it using PayPal. Unfortunately, by this time (more than 3 months after the purchase), the merchant refused to refund the purchase or transfer the fee to another mode of payment. I have called Bill Me Later and PayPal several times to rectify the issue but they refuse to resolve this issue, even though it has resulted from their unauthorized use of my Bill Me Later account for a charge that I had directed to the PayPal account.

I ordered two items from eBay and tried the Bill Me Later option. The amount for both items was less than $80. I never received a bill from them for a couple of months, then when I did, it was an outrageous amount. I called them and made arrangements to pay off the balance in three payments of $70. They were automatically set up to come out of my account. They assured me that the debt would be cancelled after the $210 was paid. I continued to get harassing phone messages (during the day while I was at work), so I called them to find out why I was still getting calls after I had paid it off. They said I still owe $150. They wouldn't explain why they didn't follow through with their promise and why I still owe them money. All I know is that they make it extremely difficult and expensive to get your debt cleared with them, no matter how small the amount you owed originally. They are scam artists.

I wanted to purchase a purse online and for some reason, I couldn't get it to recognize my credit card info so I resorted to Bill Me Later. A couple days later, I received an email from them and used a link in the email to pay the bill using my credit card info. I thought I was done. Two or three months later, I received a bill in the mail. The bill for the $54 purse was now $118. I immediately sent a check for the original cost and explained that I thought it was paid. Something was wrong with the website where I thought I paid it, etc. I get calls every night from this company. Today, I was told that the $60 interest payment has now blossomed to a charge of $178 and they will continue to call and harass me. I absolutely refuse to pay this and told her so. These finance charges are out of site!

I was recently hospitalized and was harassed by Bill Me Later because I was a payment late. I was aware of this and had informed them of this. I stated I would not be able to make a payment until the next payment was due. I have since been receiving harassing phone calls form them. They have increased my interest to almost 50%. When I requested that my phone conversation not be recorded, they advised me a supervisor would be calling me back. I not yet received a call back.

In mid-2012, I made two eBay purchases via PayPal (something I have done many times before). I thought I had paid for these inexpensive items using the credit card info I had entered and had no need of credit from anyone else. Some months later, I began getting postal mail from Bill Me Later. I assumed it was marketing and so ignored it. Eventually, I began receiving phone calls. I learned to my shock that this company I had never heard of had decided out of the clear blue that I owed them money, plus penalties and fees, costing more than the original merchandise!

I always pay by credit card in full for any purchase. An eBay purchase ended up with a “Bill Me Later" account. I never wanted it and didn't know I had it. I tried to pay it in full to get rid of them, but that didn't work. Multiple efforts to get rid of the charge and they didn't work. I got on the phone and told them to close my account, and we sent them a payment in full. They gave me the amount, and I sent them a check and assured me the account was closed. It didn't work. They keep sending bills with more and more charges ($20 item). You can’t get rid of them, and it has stopped me from using eBay ever again. This company needs to be investigated.

I ordered a PS3 from eBay and decided to use the Bill Me Later because they had some promotion allowing 6 months to pay interest free. Well 2 months later, I try to pay the bill and no one can help me. There seems to be a missing tab on my page where most people can just click it and schedule a payment; but it is not on my page. I've called Bill me Later and PayPal. No help. I've also tried to make a payment on the phone, and it said I owe nothing so I couldn't pay. I do owe $250.00! I think they are being extremely sneaking and trying to make me forget, or hit me with the whole payment at once. I will never use them again.

I had a Bill Me Later account, and somebody stole the information, and charged a lot of camera equipment, which I stopped in time. They also changed all my account information online, so I can't get on my own account. I have been trying for 8 months to get it back in my name, but they won't put it in the right person's name. I still owe three hundred dollars, and I don't get a bill or email notifications because they won't change the information back to my information. It is difficult, and I have talked to numerous people and they say they can't help me because our information doesn't match. I feel like the bad guy, instead of the victim. I'm waiting for a manager to call me back again, but I don't believe she will, because it has happened before that they don't do what they say. Beware of this company. They aren't there to help the customers.

I joined in it inadvertently (yes, I know that's dumb) while trying to pay for an online order for a clothing vendor for about 120 dollars. I thought I was signing up for PayPal or a branch of PayPal. All I wanted to do was to make the onetime payment immediately. But once I'd signed on for Bill Me Later, realizing my mistake, I called their customer "service" and was told I couldn't cancel my account. All I want to do is to pay the original bill, now. But I'm told I have to wait until it posts as a statement. Several days later, I still don't have a statement or an account number. They do not appear in my account page when I log in, so I can't pay the bill. I don't want to link to a bank account.

What legal resources are available when a company tries to extort money from you? We used this "service" once, paid on time and continue to get bills for interest that double each month. We want to know which office has some control over this kind of behavior.

This is a terrible company. I have 800 credit and has paid off my bills in full, large bills. One day, I went to make a payment after changing my email via their customer service help line and saw my account has been disabled and closed out with no warning or reason. Endless hours of calls trying to find someone with some shred of common sense and education left me nowhere. This is happening to people on a daily basis. If you are a legitimate consumer looking to pay your bills as opposed to a slob that will make them a ton of interest, your account can and will be shut down with no explanation. BML and PayPal are the most irresponsible, disgusting, idiotic, unprofessional monopoly of con men I have ever seen.

Unauthorized Auto Debits - I made one payment for a friend (by check!), and somehow Bill Me Later is now charging my bank account $35 per month since I made the payment four months ago. I just noticed it! What a scamming company! Do not use them!

Bill Me Later is ruining Paypal - Bill Me Later defaulted to the primary means of payment without me knowing. When I received my paper statement 4 months later, I had late fees and interest of more than $35. Couldn’t they tell that someone will not be receiving their email statements? Why not call the 1st month if they did not receive a payment or at least send a text? I feel tricked by the way they changed the way I pay without my permission. The Paypal rep confirmed that I did not choose Bill Me Later but it defaulted on its own. I am going to file a Complaint with the Federal Trade Commission Consumer Response Center and US Department of Justice Anti Trust Division.

I made a purchase, was told I would be emailed. No contact for 3 months, then an email that my account was past due. I logged in, discovered $70.00 late/interest fees on a $28.00 purchase! I called and complained. They would only remove the $55.00 of the erroneous fees. I paid them and canceled my account. Do not do business with these people. They are operating the same old scam of hitting people for outrageous fees with little disclosure.

I purchased something for $169. I tried to make a payment several times and they do not accept credit card! You have to give them an actual check in the mail or you have to give them your bank checking account info! They have no other way of paying. When I was out of town, I missed a mail sent by them and they added $80 in late charges for 35 days late! Avoid them at all costs. Bill Me Later is a huge scam and PayPal should be ashamed.