Top 3. 99 Complaints and Reviews about Pay. Pal Credit (formerly Bill Me Later)I very rarely write bad reviews for businesses. Usually if I am dissatisfied with something, I stay away from the company or product and that was the end of it. EBay Probed by Regulator Over Loans Pioneered by Payday Lenders. The program, called Bill Me Later. Bill Me Later isn't a credit card but a revolving line of credit offered by Comenity Capital Bank. Much like a traditional credit card. Simply select Bill Me Later at checkout. In the case of Pay. Pal Credit, they made me so angry I literally made an account at Consumer. Affairs just to report them. I was the victim of identity theft - someone opened a Pay. Pal Credit account without my knowledge or authorization. Obviously, the person used an e- mail account that does not belong to me, so whatever it was that he bought (assuming he even bought anything; for all I know it could have been a phony purchase made to a fake business that doesn't exist), I was not notified of it at all. However, the mailing address on the account does belong to me. So what happens? Due to Pay. Pal Credit's deferred payment plan, I was unaware of the whole thing until 6 months later, when I got a . I called them right away about this, expecting I would be able to sort it out easily - you know, like in the case of credit card frauds. If your credit card gets stolen or charged fraudulently, they immediately freeze your card and issue you a new one, and that is that. They don't make the customer do all the legwork or handle the legal mess. Well NOT Pay. Pal Credit. The first guy I spoke to on the phone was already very rude. He basically did not believe that those . I told him once again that I have no idea what was purchased, and that I NEVER opened a Pay. Pal Credit account (it's something that requires an approval process, like a credit card application - I would remember if something like that took place). Somewhat begrudgingly the customer support guy agreed to send me an affidavit to sign. He also asked me if it would be okay for Pay. Pal Credit to release the account information to the authorities for investigation, to which I said . He also assured me on the phone that my Pay. Pal Credit account would be closed and that any further attempt by anyone to create a Pay. Pal Credit account in my name would cause me to be notified. About a week later the affidavit arrived (basically just allows me to declare that those purchases were not made by me etc.). I signed and returned it, and didn't hear back from them for months (this all took place in February), so I figured everything was taken care of. Came late June, and I get ANOTHER late payment notice. No explanation or accompanying letter, nothing. They actually made me fax a request for account info over - yes FAX, who the heck uses fax anymore? It's the ** 2. 1st century - because what, there's apparently some sort of security info I can't give over the phone instead of fax to verify my identity? That's not even the end of it. A few days later after I faxed my info over as instructed, I got a letter from Pay. Pal Credit, saying that I need to send in ANOTHER copy of my request form - in MAIL - along with a copy of my government ID (it also said copy of the ID and the information request form delivered over fax is not acceptable). WELL WHY COULDN'T THEY TELL ME THAT IN THE FIRST PLACE, INSTEAD OF MAKING ME RUN AROUND IN CIRCLES??? So now I have to send them a physical mail, just to get some freaking basic info about the account (such as the purchases made and the e- mail address the account was made under), AND then I have to file my own police report before Pay. Pal Credit would even take any further action to investigate this case. The sheer stupidity and incompetence on display here is simply stunning. I have never felt so abused and dismissively treated by a business WHILE being a fraud victim. I've been a Pay. Pal customer for OVER A DECADE and have a perfect track record on my account, always paid my purchases and bills immediately etc. If it weren't for the fact that Pay. Pal is now used by every single online shop, I would close my account in protest of the way I have been treated (I know Pay. Pal Credit is technically a different branch from Pay. Pal, but still, they are associated businesses). The notoriety surrounding Pay. Pal Credit is TOTALLY true. Stay away from this horrible company/service.
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January 2017
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