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Paypal & Bill Me Later Scam Nightmare

November 11, 2009 by debbie T | InternetRamblings
Updated 2009-11-18: Justin from Bill Me Later left a message on our answering machine tonight. He read my blog and wanted to discuss my problem. Yay! I phoned him back, and he is crediting my account in full. Hopefully, my next statement will be zero. And again, it wasn’t the $25 that I cared about. It was that I opened a new credit account and it felt like a huge waste. But I am satisfied now, but the only reason I got help was because I wrote this article, so it’s a bittersweet victory, but a victory nonetheless.
Updated 2009-12-11: See below for new updated screen shots of another email I received from Paypal with the same offer!

OMG, today is the last straw! I am sooo sooo angry and upset with Bill Me Later. And I am most upset with myself for not listening to my instincts.

My advice to EVERYONE, if you receive a pre-approved email from Paypal offering you a credit for $25 or more to use Bill Me Later, RUN AWAY! Don’t fall for it. It’s a complete scam!

It’s been a constant battle to deal with them from the beginning, even before I made my purchase. They are poorly trained (and informed) and now they are refusing to apply the credit! Thankfully, I only spent $26, so it was a cheap lesson to learn.

Let’s start at the beginning! I received TWO official emails from Paypal at the beginning of October:

Do you like choices? We thought so. That’s why you’ve got a brand new choice from PayPal. Shop now – and pay for your purchases later. It’s called Bill Me Later®.

Just check out with PayPal as usual when you shop online. Choose our Bill Me Later option, and you can pay when it’s right for you: now – or later.*

Even better, you’re pre-approved. Shop by 10/31/09 and get up to $25 off your first purchase and no payments for 90 days.
Sound good? Start shopping at one of our participating stores – just a few of the thousands that accept PayPal.
Get up to 25 dollars off and no payments for 90 days
Want to know more? Check it out!

Sounds great, right? My DH needed to purchase something on Ebay. Two separate merchants, I purchased with my Paypal account, and there was absolutely no option to choose “Bill Me Later”

I called Paypal a couple of times, no one knows anything about the promotion (and I assure you, it was an official email, they were just ill-informed) so they pass the buck over to Bill Me Later, who were equally idiotic.

Bill Me Later customer service told me that perhaps the Ebay merchants weren’t included in the 1000’s of merchants (even though it clearly stated on the FAQ that Ebay was included). No one was able to offer any insight to the details of this promotion.

I put the email aside, and really didn’t want to deal with it. I should have listened to that “little voice” and just walked away from the deal. Eh, it was only $25 credit (others were receiving $100 credits – my God, thank you that I didn’t receive one of those, as I would now be paying for $100 of merchandise)

But my inner greed took over and I sat down on October 28 (three days before the Oct 31st deadline) to find something to buy for around $25. I finally decided to purchase two books from Walmart.

So, my cart was filled, and I clicked the “check out with Paypal” button. I signed into my Paypal account (the same account that the email was sent to). I tried to change my Payment Options, and as with Ebay earlier, there was absolutely NO OPTION to change the payment to Bill Me Later. See my screenshot below:

Bill Me Later scam

I was livid, so I phoned Bill Me Later again. The customer service rep told me that I should using the Paypal link, but to use the normal check out process and choose “Bill Me Later” as the payment. So, that is what I did, and it appeared to work. EXCEPT, I then received a “Welcome to Bill Me Later” email with the email address that I used for Walmart, NOT the email address that the original offer was sent to.

Oh crap! I called Bill Me Later, and they assured me that they would send a request through to their Account Resolution department and I would have an answer in 5-7 business days.

So, today I receive an email from Bill Me Later (using a Do Not Reply email – grrrr)

Dear Debbie xxxx,

We have received your inquiry about your Bill Me Later® account. Unfortunately, we were not able to apply the promotional credit you requested. The promotional credit with Wal-Mart was not being offered. If however you can provide proof of the offer we will be able to research this further.

Bill Me Later Inc. ®
Customer Care
Financial Services for Bill Me Later® are provided by CIT Bank, Salt Lake City, Utah.

Okay, first off, no telephone number? No last name? No return email address? Talk about wonderful customer service.

Secondly, who said anything about a promotional credit with Wal-Mart? The promotion was offered through Paypal and Bill Me Later! One more moronic statement to add to the pile.

So, of course, at this point I am beyond angry. Beyond being reasonable!

I phoned Bill Me Later. Spoke to “Scott” who listened to my ranting, and ended up giving me his “fake” email address (that bounced) swahba@billmelater.com telling me to forward the email I received to him. As I said, the email ended up being fake, so of course, that made me even angrier! grrrr. I phoned them again, and the new person forwarded my call to Matt who was in the “Account Resolution” department.

At this point, all three people at Bill Me Later kept mentioning the “promotional credit with Wal-Mart”! And it set me off every time! Why do you think this is a promotion from Wal-Mart??? It was an email from Paypal and Bill Me Later!!!! I was screaming I was so upset! (note, yeah, I know you can get more flies with honey, but I was beyond angry, and there was no calming me down!)

So, Matt told me to forward him the original email, which I did. He phoned me in a few minutes and told me that because I didn’t go through Paypal’s checkout, I was out of luck (I am paraphrasing of course)

What??? What? WHAAAATTTT? I screamed bloody murder. That is what I tried to do (at least three times with Ebay and Walmart) and there is no option for Bill Me Later when checking out with Paypal. Matt calmly “assured” me (yeah, oh I love that word, assured) that there certainly was an option.

Show me where then! To this day, no one can tell me! Know why? Because it’s impossible, because it’s a total scam! You will receive the promotional email, you will try to make a purchase, and you will end up being stuck with the charges yourself because they won’t give you the credit. Thankfully, in my case, it was only $25, but others might not be so lucky.

I am thinking I might return one of the books to Walmart anyway. So, it won’t be too bad.

Oh Gawd, I really really really hate Bill Me Later!!!

ETA: It appears I am not the only one that didn’t see any option for Bill Me Later when using Paypal for checkout.

And the internet is riddled with Bill Me Later complaints dating back years ago. It appears they have a reputation for their lack of customer service skills and sweeping problems under the rug.

This complaint from 2005 sounds so similar to my situation. They pass it to the “Accounts Resolution” department, and then after their investigation, they deny that there was a promo for Walmart, Amazon or whichever store you used for the purchase! Wow. They are still doing the same thing four years later!

I really want to close out the account, as I don’t want to give them the satisfaction of having me as a customer, but I am afraid it will hinder my credit. I have excellent credit, and from what I have read, by opening the account, they did a “hard pull” on my credit account, which reduces my credit score a few points for 6 months or so. If I close the account, I have a feeling it might also affect my score. Something to check out!

UPDATE: Just received an email from Matt (in reply to my email with an attached screenshot of my Paypal screen with no payment option for Bill Me Later)

Again I apologize for the frustration that this issue has caused, and I want to assure you that we are committed to providing you the best service that we can. There has been some confusion during the release of this new offer through PayPal, and many of our agents including myself have not been giving the right information.

The heart of this issue seems to be this, though Walmart may be a Paypal merchant they are not offering Bill Me Later through PayPal at this time. This is likely because Walmart is one of our regular Bill Me Later merchants. In the future it is likely that Walmart will be available with Bill Me Later through the PayPal wallet but it is currently not offered.

Also addressing your issues using Bill Me Later through the PayPal wallet on eBay, likely the merchant you attempted to use was also not offered. Unfortunately there is no list of merchants that offer this payment method, because of the large number of merchants on eBay all desiring different methods it would be virtually impossible to list them all. So in the future if you desire to use Bill Me Later through the PayPal wallet and receive your $25 merchant reward if you do not see the option at your point of purchase you will know that it is not offered. Then you will be able to back out of your order if you so desire.

Again Ms. xxx, I apologize for the inconvenience that this has caused and appreciate your patience with this issue.

This makes this promotion look more fraudulent by the minute. How could they possibly offer this promotion and not know who was participating? And I think his excuse is a bullsh*t answer anyway.

What’s happening is NO merchants are set up to use Bill Me Later through Paypal. That’s what I think! Why wouldn’t they all be set up? If a merchant like Walmart is set up to receive both Paypal and Bill Me Later, how difficult would it be to merge the two? And furthermore, how could they possibly roll out this promotion when even the merchants listed in the actual email weren’t in participation? I checked back in October, and at least one of the three wasn’t set up! Sorry, but that is misleading!

Scam scam scam. Stay away from Paypal and Bill Me Later or you’ll be sorry!

UPDATED 2009-12-11: I just received another pre-approval offer from Paypal for $25 and no payments until April 2010.

new pre-approved offer from paypal for $25 and no payments until april 2010

I decided to test it out, so I went to Barnes & Noble and added a random item to the shopping cart. I typed my info in the first few forms, and when it go to the payment options, I chose Paypal. As soon as I logged into Paypal, a window popped up informing me that I was pre-approved for Bill Me Later.

popup window telling me I was pre-approved for bill me later

I closed the window, and there was definitely an option for Bill Me Later as a payment choice using my Paypal account.

option in paypal to use bill me later

So, it looks like maybe Paypal and Bill Me Later are getting their act together. We’ll see. Stay alert everyone, and if you do go for your $25 or $100 pre-approval account, please double check to make sure you are purchasing through Paypal. If there isn’t an option for Bill Me Later through Paypal, then you won’t get your credit.

There are 57 comments

  1. I too am in the middle of this BML scam nightmare. I was offered $100 through the paypal transaction and they have completely blown me off… my first payment is due in a week and I keep calling them to discuss the matter and they completely stonewall me. I will tell everyone to promptly ignore their offers and invite BML to fornicate themselves.

    Comment by Mike on November 20th, 2009
  2. Mike, I am so sorry you are going through this. I have a feeling there are a lot of people having this same problem too!

    When I talked to Justin, he assured me that they “learned from this” and will be implementing changes to the way these problems are handled. He said my issue should have been escalated to a supervisor/manager when I called.

    Have you asked for a supervisor when you call? That might help.

    Also, if you are still having problems, email me (there is a contact link at the bottom of the page) and maybe I can contact Jason for you, and ask him if I can give you his contact name and phone number.

    Good luck! It’s really a bad situation they put themselves into, and the backlash is only going to get worse!

    Comment by debbie T on November 23rd, 2009
  3. Well, for starters, you are right that the wording of the promotion makes it sound like you can use it on any ebay purchase, which is not correct. Most ebay sellers do not offer Bill Me Later as a payment option – this option is in addition to regular Paypal payments.

    However, Matt is also correct in that there are hundreds of online merchants who use Paypal’s checkout service, and not all of them use Bill Me Later! I can assure you, some of them do. Buy.com is an example. I received the same promotion, but unlike you, I am not paying for any purchase up front – that’s the whole point of Bill Me Later anyways, even aside from the $25 promotion. You should not have paid for anything up front. You checkout using Bill Me Later, and then within the 90 days, you account is credited for up to $25.

    Comment by Nick on November 30th, 2009
  4. Nick, not sure what you mean by “not paying for any purchase up front”. I didn’t pay anything up front – if you read my full article, I checked out with BML at Walmart.com.

    If you read the promo wording correctly, it states that you must check out through Paypal, and ONLY THEN choose Bill Me Later.

    Just check out with PayPal as usual when you shop online. Choose our Bill Me Later option, and you can pay when it’s right for you: now – or later.

    I just checked Buy.com, and just like Walmart, there is no option for Bill Me Later using Paypal.

    I have yet to see one merchant that offers BML as a payment option using Paypal! And I checked a lot of them.

    I hope you get your credit, but if you checked out using BML, not Paypal/BML, then I have a feeling you won’t. Good luck!

    Comment by debbie T on November 30th, 2009
  5. Yeah, I got the same deal email and was hoping to get some good deal out of the $25 link, I’m glad that I found your article so I don’t have to waste time calling them when I realize the big scam this is. I was going to get $25 gift card from walmart and couldn’t see the ship-to-store option so I google to be sure. I will try find other store that do offer it, people who have used it please post the store that offer billmelater through paypal.

    Comment by hanson on December 11th, 2009
  6. Bestbuy.com is one that works.

    Comment by hanson on December 11th, 2009
  7. Thanks Hanson.

    If you can believe it, I just received another “preapproval” email from Paypal for $25 with no payments until April 2010.

    It specifically lists Ebay, Delta, Snapfish and Barnes & Noble.

    I checked Barnes & Noble and yep, they are finally on the ball with a Bill Me Later choice using Paypal.

    I attached a couple of new screen shots in an update to the article.

    Comment by debbie T on December 11th, 2009
  8. So I used it at Bestbuy.com, and thought everything worked, at Paypal’s final screen, after I clicked “Pay Now” button, it transfer me back to Bestbuy and tell me that there is something wrong with my payment from paypal, and then it tells me to choose another payment method. Then of course, I submit a complaint email to Bestbuy.com. I only received a automatic response from bestbuy.com. Today I received a email from BillMeLater, which I copied & pasted below, I may have used my cellphone instead of home phone, but I think they are being really tricky…

    We’re sorry. Bill Me Later was unable to authorize your recent attempt(s) to use Bill Me Later because there was a problem with the information that was submitted to us.

    There are a number of reasons this may have occurred. The information you provided may have been incomplete or inaccurate or may have suggested that the purchase was not made by you. Below are a few common situations that can cause a problem with a purchase:

    * You may have used a different name than you used to open your account.
    * You may have provided your work address instead of your home address as your billing address (where you receive bills, credit card bills, etc.)
    * You may have provided your work phone number or cell phone number instead of your home phone number.
    * You may have inaccurately entered the last four digits of your Social Security Number or your date of birth.
    * You may have provided your initials, company name, or family name instead of your full, legal name.
    * You may have provided an email address that is not registered to you.

    If you wish to try Bill Me Later again, please keep the above in mind when entering your personal information.

    We appreciate your business and thank you for choosing Bill Me Later.


    Bill Me Later
    Customer Care

    The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, Division of Supervision and Consumer Protection, 2345 Grand Boulevard, Suite 100 Kansas City, MO 64108-2638.

    Comment by hanson on December 12th, 2009
  9. There sure are a lot of hoops to go through for $25. I really wish I listened to my instincts and never did it!

    Comment by debbie T on December 13th, 2009
  10. I too am having problems, but it seems the opposite of others – my paypal always comes up with the bill me later option, and I have to change it to credit card – even though my default payment method is credit card. I am sending in a check to pay all on the account then asking them to close my account.
    I guess I was lucky and got my $100 out of it, but lost some points on my credit card.

    Comment by Paul on December 17th, 2009
  11. oh that is a pain, isn’t it? I think I might cancel my account too. I just don’t think I would use it again.

    I am glad you received your $100 though!

    Comment by debbie T on December 19th, 2009
  12. When I applied for an account with Bill Me Later with promise of a $25.00 Off purchase, I also received the exact email you listed above denying me an account. My credit rating is excellent and thier excuse was also that One of the Credit Rating companies wouldn’t give them my credit rating.
    Bill Me Later and PAYPAL are nothing but LOAN SHARKING Companies, that will wreck your credit ratings, steer clear of them. If your late on payments to them you can expect 29% interest charged to whatever you purchase.

    Comment by S on December 25th, 2009
  13. how about all of us who are billed for transactions i.e. joining earthlink for 21.95 when you did not and they charge you 20.00 a month late fees and 2.00+ interest a month but don’t even send you a bill for 4 months. When you fnally find out you have a bogus bill with them they agree to settle the now $105.00 balance for the original 21.95 you never actually charged.
    What a scam! They threaten your credit and tell you it is your responsibility to notifiy the police. Does anyone have any suggestions on other organizations besides BBB I should notify?
    Julie in Virginia

    Comment by julie on January 5th, 2010
  14. I just ordered using BML for the first time Tuesday night. I have a PayPal account and since eBay owns PayPal and BML (and after a quick search online for ‘bill me later review’ and finding a good report), I decided to use them to save $25.

    I didn’t care about the 90 days as I’m going to pay right away after I get the statement.

    Apparently, the statements doesn’t show in my PayPal account until the product ships so it showed $0 balance untill today. Unfortunately it reflects the full amount, although my receipt from the merchant has a line that says “special offer: $25 off and 90 days… via bml”

    Strange thing is..

    I thought that BML would be the one to pay the merchant, but it was me who paid them in full. Then immediately BML credited my PayPal with the full amount paid to the vendor.

    At this early stage, I’m not sure why the statement isn’t reflecting the $25 credit. I’ve emailed them and will call them tonight to see why this is. Maybe there’s a couple of days ‘waiting period’ first?

    I really hope all goes through as advertised. At least, I feel better knowing that there’s proof of the “$25 off and 90 days” offer reflected in my email receipt.

    If I do in fact get the credit, then maybe I’ll have a positive report later.

    Otherwise, I’ll be contacting Clark Howard on his national radio show.

    I’ll update later.

    Comment by David on January 7th, 2010
  15. David, since I purchased through BML, it posted to my new BML account. I don’t know where or how it bills if you use the Paypal Bill Me Later option. I assume it would also be a separate account for BML, but I could be wrong.

    Yes, please keep us up to date on what happens to your account and how it ends up for you.

    Good luck!

    Comment by debbie T on January 11th, 2010
  16. I work at a retailer I wont say who but I have noticed that if you dont already have a BML account you never get approved. They are the worst. We have tons of customers that want to use BML and they all get denied I just wonder why we even offer this cause it is crap.

    Comment by Bev on February 7th, 2010
  17. With difficulty, I located two companies selling hard to find old, out of print books online, which I wanted. The sellers were unknown to me but accepted PayPal payment for direct purchase (not through Amazon.com). I completed one PayPal order w/o problem but the other, also a PayPal accepter, provided no other option but to use BillMeLater to complete the transaction.
    I had never heard of BillMeLater but I used it because the book is very hard to find. My Visa made payment for one book but BML sent me a letter asking me to register an account which I never authorized and make payment for the other purchase after I registered (with an unknown to me) account number. SCAM??

    Comment by Bill S. on February 16th, 2010
  18. I’m glad you got it figured out. For me, I’m still in dispute with BML, and now their debt collector henchmen, NCO Financial.

    For all of you who are angry, please join the new Facebook page for support from others who have been screwed and also the latest articles on their consumer fraud lawsuit in California.
    “I Got Screwed by Bill Me Later”


    Comment by kh on February 16th, 2010
  19. Paypal sent me an offer on 2/4/2010 for $10 off and 90 day deferred payment if I chose BillMeLater through Paypal. Being untrusting of offers such as this, I read the fine print and found a merry-go-round of Catch22 mutually impossible conditions.

    1. The Paypal offer email sez you MUST choose Paypal at check-out and will find the BillMeLater option on your Paypal account. (It WAS NOT there.)

    2. The details link in the Paypal email for offer conditions “This is an exclusive offer just for you and is not transferable. Details” took me to a Paypal webpage that sez:

    “How do I start using Bill Me Later?
    Just select Bill Me Later as your payment choice when you check out. You’ll give your date of birth and the last 4 digits of your social security number, accept the terms, and you’re done. Approval takes only seconds. Once you’ve started using Bill Me Later, you’ll see it as a payment option when you check out with PayPal.”

    So…I can ONLY use this offer if I use Paypal at checkout BUT the Bill Me Later option won’t appear on my Palpal account UNTIL I start using Bill Me Later. HUH??

    Thanks for sharing your trials and tribulations – I’m going to delete the lousy email and forget about getting a $10 credit (not the same as $10 off my order BTW) on yet another credit card acct. with 19.99 % interest that I don’t need.

    Comment by ngc on February 27th, 2010
  20. Hello, I too had problems with finding the link to BML when using paypal to checkout after winning a ebay item. At first,PP instructed me to go ahead and use my PP account to pay for my item and they then would transfer that purchase to my existing BML account. Even though the alarm bells were ringing in my head,I went ahead and finished the purchase. Big Mistake! The total amount was larger than what I usually will spend on this type of an item,but it was unique and bargain priced. Of course PP never got the transaction transferred over to BML,so the charge to my checking account was made immediately which put me into a short term cash crunch. I knew I would be receiving checks shortly,so my need was only for a few days thank God. Lucky for me I kept great notes of everyone I had talked with,including dates and times along with discussion notes and email copies,so I was able to retrace my steps. After several more calls and emails I finally got PP to transfer the charge properly to BML and reverse the initial PP deduction. After all this, an easy fix was discovered to get the BML link to appear. What needs to be done is quite easy: log into your PP account and change your default payment source to BML, rather than the bank account you are currently set up on. So simple,but effective! I’veused PP several times since and each time BML came up as an option to select.

    Hope this helps someone else out,since PP has always hired idiots and never trained them. Maybe idiots are not trainable? Good luck out there!

    Comment by Martin hahn on May 7th, 2010
  21. Thanks Martin! Hard to believe they still haven’t got their stuff together after all these months!

    Comment by debbie T on May 7th, 2010
  22. My wife brought some stuff and use this Bill me later crap using my information, she set up account in my name and told me she has 90 days to pay for stuff.2 week later in come the bill that I did not pay any mind to it .I got 90 days right, Wrong, these F-ing fool then began call my phone at all hours asking for payment and telling me I will be charge a late fee.I got piss off at my wife first then at these fool. Log into account pay it off then asked these fool to closed the account, do you know 4 months later these fools have all excuses not close my accoun.What an f-ing waste.

    Comment by markie on June 30th, 2010
  23. Sorry to hear all the trouble with this option…I happen to like BML a lot. I use it to buy stuff from Newegg all of the time, and I bought my computer that way and haven’t had any fees or headaches. This BML through PayPal sounds like too many hoops to jump through, they should have made it clearer who was participating and who was not.

    I like having BML as an option instead of using my credit card because most times you can take 3 or 6 months to pay stuff off with no interest. I will triple check if I ever see the BML/PayPal option though.

    Hope everyone got their situations under control :)

    Comment by Nadool on August 12th, 2010
  24. I made a purchase of $302.29 through Overstock.com and was offered 10 percent off my purchase and 90 days no pay through BML. I could have afforded to pay for it in 30 days but decided to get $30.29 I’d try this option. They have now told me I couldn’t get this offer through Overstock though that was the only way I’d heard of it. It has been 84 days now and they haven’t charged me interest and in spite of a half dozen emails I have had no satisfaction. Really frustrating, I wish I hadn’t done it. Very misleading.

    Comment by Karen on August 18th, 2010
  25. BML is a cr8P company that is ripping people off!

    I ordered contact lenses through VisionDirect, which offers the BillmeLater option. When I got the statement for the lenses, my billmelater account said the payment was not due until mid-September.

    I just logged into my account to pay the bill, and guess what? They are trying to claim they issued me an invoice in early August to make a minimum payment of $35, and of course, I NEVER GOT THE BILL, so I didnt’ pay it.

    Now they are trying to slap a $25 late fee on top of my pre-existing charge!!! I AM LIVID.

    I called customer service and they tried to claim I set up my account for electronic statements only (which I NEVER DID), and they are also claiming they emailed me the bill (THEY NEVER DID. I thoroughly checked my email, even the SPAM folder.)

    The customer service nimrod said he would issue a credit for the late fee as a “one-time courtesy only” -oh, how generous of them.

    Don’t doubt it for a minute-I will be contacting the California attorney general’s office about their scam business techniques.

    Oh and btw, Meg Whitman, the former CEO of ebay and paypal, is running for governor in my state. Do you think I want a governor who headed up a scam company?? He&&&&& NO!

    Comment by Sandra on September 13th, 2010
  26. Thanks everyone for your comments! Keep ’em coming. I am amazed that there are still so many complaints!

    Comment by debbie T on September 14th, 2010
  27. Just got notice today that BML reversed my first payment (which was on-time) and is now charging me interest and a late fee. Looks like I should have read this web page before I signed up for their offer. I could just scream if it turns out to be a similar nightmare as I have seen above.

    Comment by T Winsemius on September 24th, 2010
  28. I just got hit with the bill me later. I thought that my bill would be removed from paypal once the bill went through. No dice! They charge you late fees rather than get the money. This is a trap! Don’t do it!!!!

    Huge mistake and I am totally disgusted by the entire scam! sue me Paypal, you a$$holes

    Comment by William Danielson on October 5th, 2010
  29. I fell for this scam recently and had them cancel my so-called account. I found out that eveything I purchase through PayPal is defaulted to BMI….BULLCRAP. I told them that my AMEX card straight through PayPal itself is all I have ever needed.

    Comment by Robert DiLazzaro on October 13th, 2010
  30. i just got off the phone with bill me later and they gave me a late fee for sending my money in early! they were rude and i got no where by complaining to them. what do i do now.i have been paying on time as long ive been involved with them i pay online each month as my check comes in on the 3rd of the month they are chargin me late fees this is weird my due date is the 28th of the month i have my paymets i send in on the computerto prove i pay on time i may report them to the better business

    Comment by helen albert on November 8th, 2010
  31. Honestly, it makes me sad to read that everyone has so much trouble with BillMeLater. I’ve been using it since it first came out decently regularly. I don’t buy stuff I can’t afford up front (never one to use/abuse credit cards), but if someone wants to lend me money for 90/120 days free, knock yourselves out.

    I’ve run into two issues with them not putting me on the 90 days deferred interest/no payments options, charging me interest and a fee in like a week (BS)… both times I called, got transferred around once or twice, had to be a complete b*tch for 5 minutes, and they fixed everything. The first time I had to call twice, but I learned from it. The second time it happened, I got someone who apologized to me while I berated him for working for a company that wasted my time, and he fixed it right then.

    I make sure and get their name, which center/city they work out of, any ID number I can get, and an e-mail, and I make it clear that if what I ask for is not fixed, I will personally identify them to the next person I talk to as being the root of the failure, and that if I have to call again, I will have my father’s lawyer sue them. And, if I look a week later and things are actually fixed, I call in, offer up their info and tell a supervisor that they helped retain a dissatisfied customer by doing their job well.

    Just talk a hard game, make it clear you are educated, know you have options, know that what they are doing is illegal, have documentation, and are more than willing to do something about it if they don’t fix it for you NOW. Also make it clear you don’t give an absolute sh*t about any excuses or any of that “Yes, ma’am, but, you see…” (the BUT means nothing good is coming, don’t bother to waste your time listening to it).

    Just my two cents =) GOOD LUCK. I have to say, I have more issues with my only other credit card (through B of A) than I have ever had with Bill Me Later. Not bad overall.

    Comment by Jessica on November 17th, 2010
  32. Well you hear the same complaints over and over. I went to the trouble of opening an account with them for nothing as I have excellent credit, don’t overspend. I just wanted to save 10 percent on a $300 purchase. This same story has been repeated countless times – they are total scam artists. Yeah, I didn’t have to pay for 90 days but that wasn’t that important, I had the trouble of paying another bill instead of just using my regular card.

    Comment by karen on November 17th, 2010
  33. I just got off the phone with BillMe Later customer service. I have been trying to pay a bill for days, but either my log in info was rejected or the site could not be accessed (for 3 days?). I finally ended up paying over the phone after “Diane” agreed to remove the late charges of 25.00 on a bill of 107.00. After I gave her my bank info, she said the total amount due was 147.00. She said this reflected additional late fees on a bill I had not yet receive. I asked what happened to the 90 day grace period, which was the whole reason I signed up for this thing in the first place. She said there must be a problem with the retail company from which I made the purchase and suggested I contact them. I just wanted to get it over with and gave up and made the payment, but now I think I should have asked to speak to a supervisor. Live and Learn, I guess. I cancelled my account and will never do business with them again. By the way, when I clicked on the link in message 18 to add my comments, it sent me to a BillMeLater site.

    Comment by Jean Marsh on December 11th, 2010
  34. Jean, I am so sorry that you had such a bad experience. Seems like this is the time of year for lots more new experiences to come to light.

    I was hoping that last years fiasco would maybe get them to get their act together and organize their so called “deals” better, but it looks like they are never going to change. They’re always going to be a bad choice no matter what!

    Thank you also for bringing that bad link to my attention. I edited the comment to reflect the actual facebook page he was referencing.

    Comment by debbie T on December 11th, 2010
  35. I used bill me later at least 20 time not only have i been compleatly satified, i would recomnd it to anybody. At one piont i had to return a norht face jacket no prob they walked me through it and were very helpfull I’m a full supporter of this service

    Comment by mark r bancroft on December 15th, 2010
  36. I’m fed up with BML as well,

    I always pay my purchases from eBay right away but this one time I said “why not try this? I’ll also get a little extra eBay bucks”

    So I decided to do the BML and was going to pay for the bill right away but I couldn’t find how to, I’m google searching and trying to find a way to but I can’t. Only way I can is by a bank account…???…

    My problem is I don’t have a bank account, I know everyone might have one but me honestly, I think bank accounts suck, what if one day I really needed to draw the amount of money that I can’t because I needed a certain amount to stay in the checking account.

    So now I’m stuck with paying this bill and I’m not sure what I’m going to do. One thing is, the item I bought I returned it and got a refund so I’m just banking on that BML got the refund and they won’t be asking me for anything.

    Comment by Adam on December 29th, 2010
  37. I have spent all morning talking to Paypal, Ebay & BML trying to figure out how my 6 months same as cash & $10 incentive to try BML turned into an immediate debit from my checking account and it was no small debit either. No one on at Ebay, Paypal or BML can fix my problem nor can they tell me how this happened. During my last conversation I was asked if I was sure I clicked on the button electing BML as my payment option–I am not stupid. I have been buying online forever and have never had anything like this happen. I was also asked if I entered my month and day of birth as well as the last 4 digits of my social security because that could have been another reason it didn’t process–I distinctly remembering entering this info. What I think is so wrong is that Paypal took the money from my checking account without my knowledge. I have no receipts for the transaction or confirmation emails…it was just done. Who can I talk to about opening a legal complaint? I am at witts end here!!

    Comment by kristy villaveces on January 18th, 2011
  38. wow, i have been getting these ” no payments for 90 days 10$ credit ” notices from BML during paypal purchases for a long time. i always ignore them. but tonight i saw a rare frivolous item i have been wanting for YEARS. i dont have the money atm, but figured i could maybe just once try bill me later. BUT first my instincts kicked in and i decided to search for some kind of reviews. THANK GOD. they are all horrible. i hope all of you get your situations fixed, and thanks for the warning. even this thing that has been one of my dream purchases i never thought would come for sale isnt worth this.

    Comment by matt on January 23rd, 2011
  39. Matt, oh I agree, I am so happy you found our comments first before getting yourself into deep doo-doo with BML. I’m glad your intuition was working!

    Comment by debbie T on January 23rd, 2011
  40. Thank you all, every time I am tempted by that $10.00 back thing something gives me that creepy there-is-something-in-the-basement feeling… like they are going to show up for my first born male child… I had a big runaround with paypal some years ago, it was a huge waste of time and some of them were really rude. I finally worked my way up to someone who could/would handle it, when I told of some of the things that were said, I could tell she did not care at all. Situation normal, they made an error and the best thing would be for me to shut up and go away… I still use PP (how appropriate) but was doubtful about complicating the relationship. Like, let’s just date…. not interested in getting into bed with them.
    Sorry to hear of all the time they wasted, and thank you for saving me the same…
    Amazon’s points cc with points, you need 5000 for anything… missed that in the small print 😉

    Comment by Cerise357 on May 9th, 2011
  41. Dayum. I’m so glad I Googled “paypal bill me later disadvantages” and came up with this. Yeah, it sounded dicey from the get go. I still love shopping eBay and using Paypal, but this is a good reminder that we always have to keep on the lookout for our own safety.

    Comment by Noah Cross on May 22nd, 2011
  42. DO NOT use BILL ME LATER to pay for anything through paypal. If you return what you pay for they dont want to credit you account. I returned a purchase and its going on 3 months and they still have not change my account. They have to be a scam. PLEASE DO NOT USE UNLESS YOU LIKE THE RUN AROUND.

    Comment by Brenda on June 25th, 2011
  43. BillMeLater changed my minimum due after I mailed the payment and then charged a late fee. When I called them I was told they would give me a “courtesy waiver” for the $5 but I would have to call back when the transaction showed on my account. That is funny since the $5 was already on the balance. If you Google BillMeLater complaints you will find they have been doing this to a lot of people for four years. I just want to get this resolved so I can close my account FAST. Then it will be a couple of months before I find out if they have blemished my credit report.

    Comment by David on July 8th, 2011
  44. File a complaint with te FTC like I did. In my book PRE_APPROVED does not mean DENIED which ws what happened. I’m lookin for a class action law suit to join so if anyone knows of one, let me know please.

    Comment by Scammed again by Paypal on August 28th, 2011
  45. It’s unfortunate that you all experienced this bc I hsve had no problems whatsoever and I’ve ordered two products already. I received my credit for opening the account too. I think it’s a wonderful service. I’ve already made my first minimum pymnt.

    Comment by Ebony on October 13th, 2011
  46. WOW! I just got off the phone with Pypal!!!
    JUST TODAY!! 10-31-2011 SAME SCAM!!

    I did not yet make the purchase!

    Paypal sent me to Bill me later, Bill me later referred me back to paypal.

    All I got was bait and switch answers nothing direct! This passive agressive sounding ambiguously sounding gay guy from paypal just gave me the run around until I hung up. what a con job pay pal! NICE!

    SCAM ALERT!!! PAY PAL you should be ashamed! Had I known they were going to tap my credit history I would never have signed up. DO NOTDO THIS AVOID BILL ME LATER!

    Comment by HAK on October 31st, 2011
  47. This BML Bowel Movement Later (bill me later) actually SCAM ME LATER is a total scam! They are a SEPARATE COMPANY! They REMOVE these offers off of Pay pal SO UNLESS you get it up front and right away, YOU WILL NEVER SEE this credit EVER and you will go through agrivation and grief over this trying to fix it and each time you will get the usual BAIT AND SWITCH.

    Paypal will blame bill me later and Bill me later will blame pay pal. Round and round you will go on this psycho merry-go-round until you angrily hang up and they get the last laugh. It will take several months by then they have your money. Unless it is instant you will never receive it.


    Comment by HAK on October 31st, 2011
  48. I’m sorry you all have so many issues with this but I’ve been using bml for years and I love it. I use it all the time for stuff I can get no interest for 3/6 months, etc.

    Can’t help but think that most of you aren’t reading everything in the fine print or understand how it works. I’ve used bml to make thousands of dollars worth of purchases over the last few years and had no trouble. Not everything you can buy through paypal is eligible for bml. Know which sellers use it, which don’t, and read everything the offers entail. I get cash back on bml purchases now, it’s a nice service when what you are looking to buy is eligible.

    The easiest way to buy correctly from bml and avoid these headaches that I’ve never experienced, is to search billmelater.com FIRST for the items you are looking to purchase, and they will tell you who has it and you can even find who had it the cheapest.

    Do the research first, get it right at the time of purchase, and you won’t have any issues. Plain and simple. Best of luck resolving any issues you have though.

    Comment by Paul on November 22nd, 2011
  49. Just close my bill me later account and WARN STRONGLY TO EVERYONE NEVER USE IT AGAIN. I HAVE A 60 DOLLAR DAY 2 PURCHSE SOMEHOW THEY CLAIMED DELAYED IN 2 MONTH. You know what is the late fees?


    Comment by tony on December 5th, 2011
  50. THANK YOU for all your information. Your warnings have stopped me each time I thought I’d try it.

    Please continue, as time goes on, to list the problems you have. I keep returning to see the latest comments.

    Comment by Anna on December 13th, 2011
  51. my promble with bill me later is that they say i owe them 20.00.iopened a account with walgreens and called back 2hours later and canceled the account and eas tolded it was canceled,i called bill me later and told them to cancel and was told ok.one month later i got a bill from bill me laterfor 20.00,tried to tell them i canceled those accounts and they don’t want to listen,every month they charge me a 35.00 late fee for money i don’t owe them.they call 2 or 3 times a day,what can i do ,i’am on ssa and don’t want to be robed

    Comment by thomas coggins on December 22nd, 2011
  52. Thomas, it sounds like you have to reconcile this with Walgreens. They need to issue the credit on the account. Good luck!

    Comment by debbie T on December 26th, 2011
  53. i had a call from bml about a 20 dollar purchace my son had made and the late fees added up to 126.97 . the guy wanted to settle the account for 50.00 if i would allow automatic withdrawal from my checking account,which i refused. i went that day and mailed a westernunion money order for 126.97 . the next week i got a bill for b23.00 plus a threat of a 25,00 late fee on it. he sounded like the same guy that offered the 50.00 settlement before3 but denied such a offer. my son suffers from serere depression and anxiety tnat he does not leave his bedroom even with counsolers and doctors, but i did not deny what mt son had done and tried to settle the account, but did not want to give permissiom for free withdrawal from my checking account. i go spend 1.75 fot a 2.00 moneyorder and mail bml. i beleive you need to be very careful dealing with these people, it just does not feel honest. the next money bml gets from me will be after a judge orders it.

    Comment by tom on February 19th, 2012
  54. I paid a bill from bill me later that seemed fishy,so I actually got a squirmy guy on the phone from pay pal who seemed to be overlly apologetic from the start of our conversation.
    This little twerp said he would get me in touch with someone from bill me later who said that I had registered with bill me later in may of this year (2012) . I should have challenged him to produce my password, as I record all of my passwords upon filling them out on each site I enter. But may wife died recently and I was In no mood to argue the point , and told him to remove me from his BILL ME LATER service.

    Comment by john de baltzo on July 22nd, 2012
  55. I agree that BML is a scam. I see that several messages have said that “they closed their account.” I have called BML and tried to close the account twice, but they are refusing–with the usual soothing double-talk, of course. So, how DO you close a BML account? Is there any trick to it? Also, what regulatory agencies would be relevant to complain to? Surely if thousands of BML victims complained, that would do some good?

    Comment by Joel Wilcox on August 8th, 2012
  56. PayPal and Bill Me Later services and customer service are completely horrendous, ever since I signed up with Bill Me Later I have made 3 payment attempts, the first one after getting numerous failed attempts and back and forth call/emails between the seller and Bil Me Later agents I was finally able to make the purchase. The second purchase attempt was 2-3 months ago for another issue popped up after 2- months since purchasing the item, and now my last purchase from yesterday which I tried buying via BIll me later, however again failed and error messages, so I had to call both Pay Pal and Bill Me Later at least 4-5 times, finally after following the agents’ walkthroughs multiple times and doing everything I was instructed, and choosing Bill Me Later to pay for the purchase, the system automatically switched back to Pay Pal and paid for the item using my credit card which I never would have wanted it to be chosen as a payment source. Tomorrow Monday I have several automatic debits being withdrawn from my card and I have insufficient funds to cover the payments, extremely disappointed and angry as I will incur penalties and negative credit. Today I called and was on conference call with both PayPal and Bill Me Later and both agents failed to assist me further and said there is nothing they can do to solve the issue.

    Comment by Freddie on March 10th, 2013
  57. I am trying for hours to pay a $34 balance with bill me later that I mistakenly opted to on a purcghase last month and I cannot pay the damn bill.
    What a nightmare. Is there procedure after I get it paid to get out of bill me later completely?
    What a frigging nightmare.

    Comment by B Deasy on May 19th, 2014