Bill Me Later
Reviews and Complaints

The complaint is not useful to me because no reply has been made. I, too, received a letter of unapproval for some request I did not make. The request was to open a Bill Me Later account for a $492.17 at PayPal. Here are the problems with this letter:

>I made no such request.

>I have no PayPal account.

>Until this letter I had no knowledge of Bill Me Later.

My concern is where the request really came from, if this is a fraud attempt to steal the $492.17 from me via a false account.

Here is the reference: [protected] - [protected]

Barbara Lawson

wowww, thats very terrible. i hope your sitation has gotten better. i was a litte concerned with bill me later and i thank you for you post so others can read their terrible scams. i hope all is well

Bill me later is not subject to California Law, only federal and Utah Laws. it says that in their Terms and Conditions. though I have heard many complaints about their billing practices as well, yet companies continue to use it after nearly two years.

BML is an aweful company! I have a 22K credit limit on a major credit card and decided BML would be a better option due to convienience and security. I began using the service, paid first bill weeks before it was due. Then, every time I would spend hours shopping BML would decline my purchases just about every time I attempted to use the service. So in the end I would wind up using my credit card anyway. What a scam. I have the best credit rating possible and BML treats me this way. I have decided to pay my balance in full and let everyone I know to run the other way when offered this service. I would opt to use my credit card ten times over then provide any revenue to this sorry organization. Don't be fooled. Decline this service!

So Mary how did Heather do?

Mary,
I work for Bill Me Later and came across your posting. I would like to help follow up on this matter. If you wouldn't mind, please contact me via email at your earliest convenience: heather.fields@billmelater.com

Sincerely,
Heather Fields
Bill Me Later, Inc.
heather.fields@billmelater.com

DO NOT USE BILL ME LATER. I purchased a ticket in JetBlue using Bill me later and cancelled it. Now Bill me later is charging me the full amount and when i checked with JetBlue they say the tickets are cancelled but Bill me later keeps sending me the letters for me to pay. I opened up a dispute with them and they say that I need to file a dispute within 60 days or i will have to pay the money.

Also signed up for Bill Me Later. Supposedly had 90 days to pay. Sent my payment with 10 days to spare. Later received bill for $35 because payment was "LATE." My account statement revealed that payment was not processed until several days after due date. Since I am professional writer, I slew them with my pen; they acquiesced immediately. Moral of the story: Never underestimate the power of a properly formatted and tersely-worded ("just the facts, m'am") business letter sent via the USPS. Don't forget to pay for a return receipt. This becomes a legally-binding document which cannot be very easily dismissed--unlike the "rant-and-rave" emails composed by far too may dissatisfied consumers.

Thanks for you thoughts as I am also going through a 90dayto pay "was never there" issue through buy.com.

After years of doing business with Ace Hardware store i will Never return or use Bill me Later that thier website is affiliated with. Bill me Later harassed us for 6 months... of phone calls and letters demanding payment for an item that was returned, by the stupid store cashiers, at Ace Hardware. Even after multiple telephone calls mailing in receipts that we provided evidence to Bill Me Later they are totally looney !

This company pushes email notification of bills. But the email notifications are prone to "junk" labeling by email systems. I had paid my bill in full, but according to BML a few days late. Then some stuff purportedly from BML shows up in my junk mail, but since I'm used to EBAY and the like showing up there, I ignore, thinking that some enterprising jerk has decided to use BML as a phish. Then I get a bill in the mail saying I owe more than $20 for late fees with a 161.94% APR.

I can't help but wonder if this wasn't intentional, if this isn't one way that BML makes money. Seems actionable to me.

I've gone ahead and sent a $25 payment to them, just because I never want to hear from them or have anything to do with them again--except participate in a class action lawsuit.

I bought something on line using Bill Me later. I returned it to the store and the store said they had refunded me the money on my credit card but never told Bill Me Later. I owed the credit card I believe and they are saying I owe them. So I am paying for this twice. I do not know how to fix this because the item I bought was $500.00 and now I am paying 1000.00. I offered to pay them off and they refused. So needless to say I am being charged finance charges on both. Helpful hints in needed badly. So I feel everyone's pain in dealing with BILL ME LATER.

Bill me later has very bad customer service. I missed a payment because with all the events going on of my grandpa passing away . I paid my balance in full as soon as I received the late notice and called to have my late payment reversed I also received other charges which I was passive about and just wanted the late fee they charged paid back. The representative behind the phone was very rude and did not seem to care or understand my situation. The least they could do is give me some credit for a future purchase. I wish I had taken down the name of the person I was talking to. I will make sure not to use this service anymore and hopefully they don't do anything to hurt my credit. So just be aware before you sign up. Hopefully with all the negative experiences people are having with this company, they finally do something about it. PayPal is a great service by adding Bill Me Later they have been hurting their reputation.

I purchased material for $77.24 and was using paypal to pay for it. Instead of paypal I got a service called "Bill Me Later" which appeared to be part of Paypal. Two months later we received a notice(the first one) about bill me later. We contacted the company to find that we owe them $99.24 which comes to approximately 26% interest. This is usury. Not being informed about late fee interest and not receiving notification of the bill. We paid the $99.24 bill by check today.

We paid off the bill in March (and had not received a statement since then) and did not receive a notice that any payment was due until 2-3 days ago (early October). However, this statement was from a debt recovery agency saying that we owed the same amount we had paid off in March. We called and the company said they had no record of us paying it off. We haven't called Bill Me Later, but I am sure they will be equally helpful. It looks like we will be paying it twice. I won't use this company again and would not recommend using this company. Has anyone else had this problem?

I am having problms with Bill me Later, Supposely I had a charge in Dec 2017 for Wal-mart for the amount of 29.45 and In Aug 2017 I received a collection agency letter sayin I owe 95.00/ I never receved a bll and when I called bill m later I told them I had a diferent emailand I moved, and they told me eerything is at this collection agency. So when I called the agencey, I contacted 5 times and told me Bill me later would email me a bill never got it. Then in Dec 2017 I received another letter from diffrent agencey and whn I called them I was being harrassed and told me if I do not pay something this charge will still be on my record. I ended paing 35.00 bt I still feel this charge is not mine, nd especially I have a Walmart credit card.
Last week I nt a register letter to Bill me later and gave them my address and email and wanted answers nd I gave them a week. Still have not heard from them. Where to I go to send this complaint to the Better Business Bureau.

my email is itzsharon@rainierconnect.com

Bill Me Later Featured a Holiday Matching Game where you could receive up to $100 off a purchase of up to $250. After playing the game several times, I won a $25 credit toward a $100 purchase. The credit should have appeared on my statement, which it has not. After having called twice to inquire about the credit, a CSR informed me both times that he would put it in the system to investigate the credit. The last time I called, I asked to speak with a manager to which I was told that there was no manager available and one would return my call. Also, the CSR stated that the manager would tell me the same thing that they would investigate the credit; and the manager didn't have the power to apply the credit to my account. Bill Me Later seems to be operating on some unethical business tactics and should be closed.

I ORDERED A CAR COVER FOR MY 59 MERCURY ONLINE AND USED THE BILL ME LATER PROCESS. AFTER ORDERING THE COVER I REALIZED THAT A LARGE CAR BY TODAYS STANDARDS IS NOT THE SAME AS 1959 STANDARDS.THE COVER WAS DELIVERED TO A LOCAL WALMART WHERE I PROMPTLY ASKED THEM TO RETURN IT. SINCE THEN I HAVE TOLD BILL ME LATER THAT COVER WAS RETURNED NUMEROUS TIMES.YET I STILL GET BILLS SENT TO ME EACH MONTH AND OF COURSE AMOUNT DUE HAS BEEN GOING UP. I DO NOT KNOW WHAT LANGUAGE THEY SPEAK BUT IT SURE IS NOT ENGLISH. I GET HARRASSING PHONE CALLS ALL DAY LONG BUT I REFUSE TO PAY FOR AN ITEM I DO NOT HAVE. A WORD TO THE WISE AVOID BILL ME LATER.

On October 1, 2017 Bill Me Later charged me $1960.00 from US Air for a purchase I did not make. I pay all of my bills online so I did not notice the charge until January. I notified Bill Me Later right away. They said I needed to contact US Air and ask them to charge it back. I did but US Air cannot locate the payment with the information I had received from Bill Me Later, they think it is a Bill Me Later accounting error since there is no US Air confirmation number with the charge. Since I missed the 60 day deadline for reporting the error to Bill Me Later (I missed it by 8 days) they will not help me track the payment. Basically they have stolen $1960.00 from me. Now I am out $1960.00 in addition to the interest they have charged me and I received no goods or services for it. I made a complaint to the MD Attorney General and the BBB. Hopefully I can resolve this without a lawsuit.

I have had nothing but problems with bill me later - I have NEVER received a bill until it was already late. No bill ever shows up before it has late charges already printed on it - I have a friend who has had the identical problem with them. In fact, the first time I mentioned bill me later he shook his head and said "Late fee scam" - they claim to have sent the bill and claim it has never arrived back to them yet somehow the bill with the late fee attached always arrives just fine. This is a class action suit waiting to happen.

I have had an almost identical experince to yours. I opened an account several years ago at a different mailing address. When I moved a couple of years later, I made a new purchase with Bill Me Later and changed my E-mail address and billing address MULTIPLE TIMES. I did not hear anything for MONTHS when all of a sudden I started receiving collections calls from Bill Me Later. The first few phone calls they claimed not to have the new address, then in later phone calls they claimed to have mailed the bills - but I find it extremely difficult to believe that I did not receive MULTIPLE bills. Very mysterious how I receive bills from everyone else without any problems . . . When the collections calls kicked in again a few months later and I informed them that yet I again I had not received a bill in the mail they then decided to inform I had apparently elected to receive E-mail statements only MONTHS EARLIER? Even if this were the case, I never received Email statements. When I finally began receiving E-mail statements they were sent only the afternoon BEFORE they are due - oh and be sure to notice they are due by 4 pm EST? And my interest rate is 64.83%! MY EXPERIENCE WITH BILL ME LATER WAS ABSOLUTELY TERRIBLE. IT IS A SCAM AND A RIP OFF. My $45 flower purchase became a practically $200 flower purchase and a huge headache. I am disappointed at the number of site that endorse Bill Me Later's services. THE BETTER BUSINESS BUREAU NEEDS TO INVESTIGATE THIS!

Hello,
I work for Bill Me Later and came across your recent comments. If you are still interested, I'd like to help follow up on your experience using our service. Please feel free to contact me via email at your earliest convenience: Heather.Fields@billmelater.com

Sincerely,
Heather Fields
Bill Me Later, Inc.
Heather.Fields@billmelater.com

I finally got a phone number and they basically told me to take a flying leap. I told them someone got a card in my name and they said "They could help me". CIT Bill me later is a SCAM. I’m filling a complaint with the Better Business Burial.

hello. i read every complaint on this website. i just found an inquiry on my credit report from "cit bank/bill me later.

if you want you can email me at jongirodes@gmail.com

i am in the process of having the inquires removed and can help you. also, if you were bothered by this, a class-action lawsuit is about to be filed which you can get in on.

jon girodes

I received a notice from the 3 credit bureaus stating my credit
score dropped 27 points because of an inquiry from Bill me Later. They stated that this would be on my record for 2 years. That's ridiculous. Who can I speak to about this? Please help.
Mrs. Pierce

I am not an employee of Bill Me Later (former CIT Bank). I just use the service.

Bill Me later Inc. lets you know by E-Mail FIRST if you had been denied service.

Since that never happened with any of you other than credit caard theft and fake letters. I have no choice but to disagree with you.

I have an account with Bill Me Later service at my own consent for the last year. Each bill that I got has a telephone number, personal account info verifying SSI digits and Account number, and a Privacy Policy pamphlet. Now, there are some people who take people's identity. Bill Me Later ONLY requires the last 4 digits of the SSI number as well as your billing info. Other than that, credit is to be checked. When identity hijackers use this, they forget that companies like Bill Me Later track e-mail address info and if that info proves to be fraudulent, the hijacker would be tracked and arrested for fraud.

Also, if you do set up your account on Bill Me Later, no one is allowed to get into your account other than yourself and usually there would be "voice confirmation" as a security measure.

So if you have a bill me later bill without phone number info and shows a different p.o. box than what is usually printed as well as the letter being in black and white with the logo black and white, I would call Bill Me Later fraudulent claims office by phone. Just tell the operator in Bill Me Later that you would like to file a claim for fraud and they should be able to transfer you.

I received the same letter. It does smell like a scam, but I did have my credit card information stolen a few weeks ago. CapitolOne took care of it for me. I must say they did a great job on that one. GOOD LUCK everyone I think we are going to need it.

I received the same letter as all of you "denying" my request for "credit" in accordance with BlueMountain.com, an e-card business online. Since then I have been being billed $2.99 a month for usage! Isn't this FRAUD in the LARGEST sense? I need some help here!

I received the same letter stating they were unable to verify information provided on the application. I’m at ease knowing this person was not able to open an account under my name, but vivid that I know have a “hard inquiry” on my credit report!

I think it's a scam! I got the same letter a couple days ago. I called Bill Me Later and they could not give me any information. Totally useless people. All they said was I should put a fraud alert on my credit.

They very conveniently put Equifax Credit Bureau on their letter. I called and someone tried to sell me a monitoring package for $15.00 per month.

Reeks of scam and they should be shut down for these kinds of business practices!

Wow! Thank 's to Bill Gates and all the wonderful rich genius' that brought the computer into my home so I can find out that I am not alone in this ridiculous ###! On the other hand; Were it not for these magical devices, perhaps there would be hell of a lot less people in need of answers and justice? The new age of technology has made our lives more convenient, but along the way as it has added so much undue cost and stress to our lives. I really wonder if the degree of comfort will be worth the final cost?

When I was a youth you could be careful of your money and hold it in a few semi-safe places and check it regularly! Of course there were thieves, but you knew who they were. A bad guy was in the form of a robber, or someone you thought you could trust. Either way you weren't left to wonder who the thief is and if they will ever be brought to justice while dealing with the burden of trying to be your own lawyer and dectective. Why then can't we be the judge and jury if we do find the dirty pitiful theifs?

I received bill me later stating the same problems they had, and mine was dated dec 07, 2009 for a purchase o f$ 116.94 for walmart.com and i never in my life had credit cards, i used cash or debit card from my bank, if you can just sent me a copy of this purchase i would be happy to even know who did apply for that, and that we can do something about it. the ref # is [protected]-[protected], thank you charles cortright phone #[protected]

I also received the same letter, it was written in my husbands name. My husband just happens to be incarcerated and has been for over a year. So I know that he is not trying to obtain any kind of credit. The whole world has got enough problems just trying to live, without something like this added to their survival plan. The fact is, " everyone should have their credit monitored as long as they live."

I agree, let's get them quickly or at least in a timely fashion!

Bill Me Later was certainly dishonest with me, too. BML is a PayPal Company! I always trusted Paypal, but no longer. They made a big mistake getting into this shady business of manipulating your due date and payment methods available so your last payment is late and they can rape you for that 19.999% interest.

Hi there,

I’ve read several stories about consumers being charged inflated interest fees – some exceeding an APR of more than 100 percent.

Not sure where you're from, but these charges are unfair and illegal according to California’s consumer protection laws. I work with a law firm investigating Bill Me Later for illegal billing practices and they want to hear from California residents taken by this scheme who may be interested in participating in a case. Share your story at http://www.hbsslaw.com/bill_me_later.htm

Hopefully, we can help prevent this from happening to others.

Tina

I see that a person named Heather Fields, supposedly from Bill Me Later, has responded to a number of complaint posts. Has anyone tried working with this person? What were the results?

Nicky,

I work for Bill Me Later and came across your posting. I would be happy to assist you with this situation. Please feel free to contact me at heather.fields@billmelater.com

Sincerely,
Heather Fields
Bill Me Later, Inc.
heather.fields@billmelater.com

Yes, that is what AGs are for, and fully plan on complaining to them, loud and clear, and BML. They tout "zero fraud", and if that's not a crock, I don't know what is. They say there's no such thing as bad publicity, so we'll see if that's true when I go on TV on a station that reaches a demographic of over 2, 000, 000 people and tell my nightmare of a story. BML tried to bill me for furniture I never received. I complained and the charges were removed. Now almost 3 months later, they've recharged my account and say that the charges are valid b/c I didn't apply for the refund within some certain timeframe. That's a LIE. And on top of that, I NEVER got the merchandise! It was a solid granite-top dining room table, plus 4 chairs. It was to be delivered via freight. There would be a RECORD of that delivery, along with a piece of paper containing my SIGNATURE. But BML can't seem to come up with that. According to their terms of service in section 7a at https://www.securecheckout.billmelater.com/paycapture-content/fetch?hash=PD4106KD&content=bmlweb/bmlwebtnc.html, I should be COVERED by BML. They're willfully disregarding their own LEGALLY BINDING TERMS OF SERVICE, so let's see how that works out for them in the media. And with the AGs, and in a court of law.

This is what your Attorney General is for. You gotta complain to the right people to make a change.

BillMeLater is not a scam in law, but its extremely scammish, NUMEROUS users are scammed by them for real!
Go take a look at the Paypal website
*ironic, eBay seems dont really even care
https://www.paypal-community.com/t5/Bill-Me-Later/bd-p/BML

### bill me later

Rose,
I work for Bill Me Later and would be happy to speak with you about your situation. Please feel free to contact me at heather.fields [at] billmelater.com

I am being called up to 5 times daily about a bill which I never incurred. I have tried researching this with Bill Me Later directly over several months; and promises have been made to do so. All I continue to get is a higher bill each month. I have never bought anything through Bill Me Later. They have given me an account #[protected]. When I did ask; what I was being charged for originally, all they could tell me was that it was something recreational. My latest invoice shows a balance of $146.00 and I still cannot get an answer of how this came about. One customer service rep told me it had to do with a bid of 3 points I made a year ago for a Cheesecake Factory meal card.I didn't win that bid and heard nothing more from it. It was through Dash Deal. Evidently Dash Deal may be a part of this scam. I can't get it sorted out; and I won't pay for anything they can't verify. I want the phone calls and invoices to stop.

I called after viewing my account online and they drummed up some ridiculous

Late fees.They raised my account. balance and refused to remove late fees.

I don't need these people reaching in my pockets, I am to busy to chase these crooks down .I will never do business with this company again.

I see that a person named Heather Fields, supposedly from Bill Me Later, has responded to a number of complaint posts. Has anyone tried working with this person? What were the results?

I work for Bill Me Later and would be happy to speak with you about your situation. Please feel free to contact me at heather.fields@billmelater.com

I was charged by FICO.com for an automatic renewal, that I was unaware of. Bill Me Later never sent an invoice until there was a late charge attatched. I had no idea that I owed the money ... I called FICO.com and they credited the account and cancelled the automatic renewal. Bill Me Later is charging me with the late fees along with interest. Is this legal. In all actuallity the charge never existed, and to make it seem even more "fishy" the company didn't even have my current address. (my mailman delivers all my mail from my previous address) I never received any invoices. Bill Me Later calls me day and night now. They are harrassing me for money that I don't feel that I owe.

I’ve read several stories about consumers being charged inflated finance charges and interest fees – some exceeding an APR of more than 100 percent.

These charges are unfair and illegal according to California’s consumer protection laws. I work with a law firm investigating Bill Me Later for illegal billing practices and they want to hear from California residents taken by this scheme who may be interested in participating in a case. Share your story at http://www.hbsslaw.com/bill_me_later.htm

Good luck!

Tina

I also agree they are terrible and I don't recommend them to anyone.

Yes my dealings with Bill me later have me awful... for some reason they had two accounts under my name and on one account had only my apt number for an address so I was never getting the bill for that account. I was getting calls from someone saying they were from bill me later telling me my account was in collections. I had just paid my bill. I called Bill me later and the guy told me not to give out any info about my account. I kept getting calls and kept hanging up. Last night i get another call so afetr hanging up on the girl I called and this is when she gave me the info about my two accounts. I was so pissed off and she didn't understand why I didn't know I had two accounts and kept treating me like I was stupid. So I started yelling at her and she told me not to yell at her... then asked why I was calling. This made me even madder because she wasn't getting it acting like its my fault. I told her over and over again and told her I was not going to pay the late fees and that since my brother is a lawyer i would gladly take them to court. In the end she took the late fees off and then asked if I would like to pay my bill with a check or credit card. Well there is no way in hell I was going to do that so I told her to send the bill...I had to tell her this several times and remind her that I had no trust in Bill Me Later what so ever. I didn't want them screwing it all up again. I don't even think she was listening or even trying to understand what I was saying. At the end of the conversation she asked me if I understood now. She was treating me like I was the one at fault. Bill Me Later is the worst. Why the hell would have two accounts. What I can't figure out is why the hell they couldn't figure out when my bill kept going back to them that there is my original account with the same last name and my whole address on it.

Tim is correct. Bill Me Later is not a good company to deal with. Save yourself the trouble and use any other method of payment available to you.

This amount was done by e-mail from a (woodashley5539@gmail.com)I have no idea who this person is or what credit card he used! Can you please find out what card he used?
My name is Dale J Keeney phone number [protected] e-mail djkeeney299@verizon.net You have the information I have so see what you can do!

Bill me later refused to pay my internet service. Claim they have right to not approve any payments at their own decision. I Pay the amount they bill me every month. They took back a payment to internet service which they did pay i may. Internet service informed me, that bill me later lied, saying the payment was disputed by me, which is a down out right lie. Since this happened, internet service canceled my account. Bill me later, are a bunch of liars and thieves. I would never recommend them. Anyone reading this complaint, and is considering them, do not use them.

I was shipped two futon mattresses. I returned one. I was credited the amount and then two months later it was put back on my bill. I sent them copies of the UPS freight slip and they still haven't taken the error off my bill!

I also had a bad experience with Bill Me Later. They sent me one letter saying I had been rejected, and another letter a couple of days later saying I had been accepted.

It was so screwed up, I told them to cancel my account and I would pay it in full.

Do not use this service!

They ripped me off by offering $100 off and 90 days no finance charge. Purchase goes through and doing their best Copperfield impression...PRESTO no record of the offer. LOL. Whatever...fool me once! I will be sure to let everyone in every forum know they are unethical and outright thieves.

Since 1/1/09 I have been getting billed by Bill Me Later for a membership with Blue Mountain-Online Cards and every month I call to inform them that I did not charge any membership on-line. They tell me to call Blue Mountain, which is an automated phone service cannot get a live person. It's been every month and late fees and penalties just keep increasing to my name. They even threaten to ruin my credit.

Used BIL ME LATER on buy.com for $20 off and 90 days same as cash! Bill me later later said that promotion was not valid even though it was listed at check out! Now they are charging 20% interest and no $20 back for me. AVOID both companies at all costs. BILL ME LATER IS A FRAUDULENT COMPANY!

Had 3 months no interest. Tryed to charge interest even though I paid by the no interest date. Poor customer service.

I have always been able to get into online payment and now cannot. Have tried a number of times and have had no luck.

Terrible! Stay away by all means possible. Scam is an understatement. How they are not out of business is amazing to me.