Bill Me Later

I took care of all future problems today by closing my account. The weight has been lifted and I don’t have to worry about any more credit denials from these people. I’ll get my money and credit elsewhere from companies that actually give a whit.
Paypal Credit, Maryland, MD, UT, Utah, fraudulent, credit stiflers, don’t report to the credit bureaus, revolving credit, bad credit, bad lenders, predatory lenders, Comenity Capital Bank, losers, refuse credit, nowhere bank, ripoff. Every key word I can think of to get people to stay away from this shady business.

Online buyers be aware! DO NOT USE Bill Me Later… use a more creditable, reputable credit card company instead. They have one of the shortest possible dispute period among the credit card companies for only 60 days. If you have any issues with the online merchant, then you are totally screwed. I purchased some furniture for thousands of dollars from an online merchant using Pay Pal/​Bill Me later. Unluckily this merchant is a scam. They didn’t deliver the furniture, but keep postponing the promised delivery dates. I finally did not want to wait and ask the merchant to cancel my order and issue me a refund. But the merchant ignored my request. I had to ask Bill Me Later to dispute the charge. But due to the fact that the short 60 days dispute period already passed, Bill Me Later refused to do anything to help me. I had a dispute last year that Citi Master Card helped me with. Their dispute period was six months and they helped me even 8 months after the purchase date and got my money back. It was my fault to have an «assumption» that as Pay Pal partner, «Bill Me Later» would have equivalent quality of service as Citi card. It was my fault that I assumed I will have all the online fraud protection from Bill Me Later, like I had with Citi Master Card. I have to try other ways to get my money back, but supposedly you rely on your credit card company to give you a peace of mind with online scam.
So please at all possible AVOID BILL ME LATER if you could for your online purchases. Go with a large and reputable credit card to protect your money from online fraud. I don’t see this company go very far with their business and how they handle their customers issues.

I opened a Paypal account 5 months ago thinking it would be a great tool to easily pay for things on the go. By itself I guess it is, but somehow BILL ME LATER became associated with my account. I never signed up for it but yesterday I received a bill in the mail informing me that I owe $ 168. Shady indeed. I called to question why I even had an account with BILL ME LATER and the woman (Sheila) said sometimes people click on the wrong payment button. SO – if you happen to click on the wrong payment button you automatically have a BILL ME LATER account?! I am in the process of getting these shysters off my back, and will probably close my Paypal account as a result. What a horrible business practice. Shame on them both.
Check out the more than 1,000 complaints they have lodged against them with the Better Business Bureau:

SHADY!!! PAYPAL AND BILL ME LATER.
They SWITCH my paypal to Bill Me Later account so months later I thought it was coming out of my banking account but NO I get a bill from Bill Me Later for $ 1200 because I use seamless to order food and it wasn’t a certain item (s).
F.ckers! Corporate American are all husltlers A$$holes and we bust kids on the street selling dime bags. Go get the real criminals.

Yup, these guys are definitely SHADY.
I’m not sure wtf PayPal is doing with this. If they really are associated with PayPal or what. They’re obfuscating everything about their association with them on purpose.
I didn’t even know PayPal signed me up for the Bill Me Later service. I started receiving e-​mails from them … or so I thought. Turned out it was a spoof e-​mail leading to a spoof PayPal site once I clicked it … But anyways, that’s what lead me to call up PayPal and start asking questions.
This is all a big bank-​style scam by PayPal. It’s sad. I always liked using PayPal, but now they’re dropping the ball on security and setting up their user base for the same easy credit scams of the 90s.
So sad.

Bill Me Later never sent me an invoice for the amount I owed them. Months later, when I finally did receive one, there were 2 months worth of late fees on there. I called them, and the operator I spoke with told me the late fees would be waived if I paid the amount owed. I did. Now three months later, they are sending me invoices saying I owe late fees for not paying the late fees. I have tried communicating with them via email, since I don’t trust them on the phone, and every response I get is from a no reply email address. They call me constantly, my stance hasn’t changed. How can you charge someone late fees for a bill not sent? I am turning this over to my states attorney general.

I would like to give them zero stars.
They are a scam and scum of the earth.
They have been calling my phone number two to three times a day asking for someone that is not at my phone number. When I ask them what this is in regards to, they say it’s a collections call. Why in the hell are they calling my number. I’ve never used them.
The only way they could have gotten my number is that I do have a PayPal account. When I called up PayPal to complain about the fact the Bill Me Later is calling me, they said that PayPal and Bill Me Later are one and the same. At which point, I told them that Bill Me Later does them a great disservice by randomly calling people who have not even used them. The customer service lady wanted to send me over to Bill Me Later to register my complaint. I told her I had already told them twice to take me off their list and spoken to a supervisor over there, Terry.
Me: I already told you to take me off your list. So-​and-​so is not reachable at this phone number.
Terry: Well, I see in looking further back into your history that you have told us to take you off the list once before. But we usually call twice. We find that people, if they know the phone call is from us, will tell us to stop calling them and that the person is not there. So we call back a second time to verify that they’re really not there.
Duh!!! Is this guy insane. All of a sudden, I’m going to say, oh, no, I’ve been lying to you and the person you’re looking for is really here. Let me hand you over. Not bright!!!
I have reported them to the Do Not Call Registry.
If you do a Google search, you will see that they are just phishing and trying to get your information. Do not use Bill Me Later on PayPal.
Here are some of the complaints that pop up.

To illustrate further just how customer-​centric the
CSR assholes are, see below how they replied to my somewhat inflammatory complaint of 2 days ago. No wonder I gave ‘em a bad score, huh.
Dear EDWARD:
We have received your inquiry regarding your Bill Me Later account. We appreciate this opportunity to serve you.
Customer feedback is extremely important to us. Your comments have been forwarded to our Leadership Team and will be considered as we make future enhancements and updates to our product.
If a more detailed response is required, someone will contact you.
Sincerely,
Charlie C.
Bill Me Later Customer Care
1−866−528−3733