• Report: #1093479

Complaint Review: Bill Me Later

  • Submitted: Mon, October 21, 2013
  • Updated: Mon, October 21, 2013

  • Reported By: US Navy — Dist of Columbia
Bill Me Later
, Select State/Province USA

Bill Me Later PayPal Bill Me Later Fraudlent Promotionals o Open Accounts Omaha NE

*Consumer Comment: Yet another, and another and another 'crackpot'

*Author of original report: BillMeLater Online Fraud

*Consumer Comment: How is that tin foil hat?

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PayPal's BillMeLater sent me an email offering me $10 off my first purchase using BillMeLater if I open up a BillMeLater account.  I opened up an account and made a purchase but the $10 credit for opening the account was not made to the purchased as promised. 

I made three phone calls to BillMeLater trying to find out why the promised creidt was not made.  I recieved an email that the criedt would be made within 24 to 48 hours.  But again it was not made. 

I made a fouth phone call and was told that the merchant I made the purchase with inncorrectly processed the transaction and because of that I no longer qualified for the $10 credit. 

I explained that the offer was a credt if I opened the account which has nothing to do with how a merchant processes any transaction with BillMeLater.  But BillMeLater refused to credit my account as promised.

I asked for my account to be closed and just wanted to pay the full amount of my purchase and offered a credit card number.  BillMeLater refused to take a credit card.  I offered to pay with my PayPal account and again they refused.  I asked how then can I pay this off?  They said I had to link a bank savings or checking account to them and they would deduct the amount owed. 

I refused to give them access to my bank account and told them to send me a bill so I have a record of the transaction now that they closed my account at my request.

BillMeLater id a scam and an attempt to gain access to your private bank account information.

This report was posted on Ripoff Report on 10/21/2013 12:18 PM and is a permanent record located here: http://www.ripoffreport.com/r/Bill-Me-Later/Select-StateProvince/Bill-Me-Later-PayPal-Bill-Me-Later-Fraudlent-Promotionals-o-Open-Accounts-Omaha-NE-1093479. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Yet another, and another and another 'crackpot'

AUTHOR: H**** family - ()

If those of us who were victimized by the scam called Bill Me Later are crackpots, then there are an awfully lot of them out there.

In fact , there must be plenty in California since there is a lawsuit against Bill Me Later for their exorbitant interest and misleading '6 months no interest' claims.

Yep they could take just a little extra out of your account hoping that you wouldn't miss it.

Since I had purchases charged to Bill Me Later instead of PayPal, I wouldn't put it past them to pull a stunt like this. Yes I had stipulated that I wanted the purchase price taken out of my bank account, but why do that when you could bilk someone out of so much more money?

They actually went back and counted the first purchase as my 'double the interest' purchase even though it had been paid months before. The interest was about 30 percent of my total account balance.


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#2 Author of original report

BillMeLater Online Fraud

AUTHOR: US Navy - ()

Robert, though rude in his personal name calling,  raises a number of important questions, let me address each:

1.  Robert says:  "The idea of a SCAM is somehow profit from the actions of the scammer to take advantage of the one being scammed.  So exactly how does this scam of yours work?"

First, its NOT my scam, BillMeLater is the one conducting the scam.  This is how they are doing it and how you know its a scam.  They send you a personal email promising that if you open on a BillMeLater account in accordnance with this promotion they will crdit $10 to your first purchase.  Now what they are not telling you is that they want to your personal bank account online.  So I took them up on their offer.  I opened an account and made a purchase, but one day, two days, a week two weeks a month go by and no $10 promised creidt.  Are you tih me so far Robert?  Next I send an email asking hye guys where is the credit?  I'm told its on the way Ill see it in the next month's billing cycle. You guessed it Robert, in the next month billing cycle no credit.  So now I start to do some research on BillMeLater and find several BillMeLater Scam websites:




I start to find out that BillMeLater is an ongoing scam.  You still with me and all the other "crackpots" victimized by BillMeLater who reported it on these Robert?  Take a look Robert at their experiences with BillMeLater, start to see a trend going on here Robert?

So I call BillMeLater and asked why I was not credited the promised $10?  Again the first person I spoke with said oh it will be credited to your next bill.  I told her I was told that the last time and I'd like to speak with a Supervisor?  You with me Robert?  Kind of what youd do if you were in my situation huh?  I was told she would get a Supervisor and put on hold for 8 min.  When she came back I was told there was no Supervisor available and she tired everything but just the way the merchant charged BillMeLater made it so I didnt qualify for the credit for my first purchase and the creidt is only for the first purchase so now I no longer qualifed.  Kind of not fulfilling their promise in the promotional are they Robert.  You dont have to answer that obvious question Robert, because if you did youd be a "crackpot" just like all of us huh?

So the answer to your firsy question is fraudlent promotional offer to open a BillMeLater account.

Second:  AFTER you open up a BillMeLater account, not as you open it, when you want to pay for a purchase it ONLY gives you the option of linking a personal bank account to the BillMeLater account so they can make deductions directly from your accounts for payment.  They offer no other SECURE means of payment in which you have protection and can dispute a fraudlent charge like creidt card or even PayPal!  If you want I can give you MANY URLs for how online bank account fraud is costining customers and banks billions.  Robert this crime is well documented and a no brainer.

2.  Robert says:  "What is BillMeLater going to do do with your bank account information?  Are they going to go on the black market and sell your information?  Are they just going to one day after they get a few hundred thousand accounts going to wipe out everyone's account and head to a private Caribbean island?"

Thats a good question Robert.  Why does a reputable online merchant need private bank account information when there are secure means to make safe financial transacations over the internet?  A credt card payment offers protection against online fraud, even PayPal has a resolution center.  But BillMeLater will not let you use any means that offers you, the consumer any sort of protection.  Take a look at all of BillMeLater's victims on the three (of many BillMeLater victim report web sites). Why is that Robert?

First off there is no need for BillMeLater (who is NOT a credit card vendor) to need access to anyone's private bank account information when there are other secure online payment means to make online transactions.  Just storing personal bank account information lends it subject to loss to hackers and PayPal has been hacked and there are many cases of the inadvertent loss of bank account information to to online hacking theft.

Second they dont have to go to the black market to sell the account information, there are means in whch google, paypal, amaxon, ebay have all sold account information to online marketers.  This is common knowledge in the online marketing industry.  So they can financially benefeit from just possessing your private banking account information.

There are many banks and online security professionals who all warn against releasing personal and private bank account information to any online vendor.  Robert this is Online Identity Theft Security 101. 

3.  Robert syas:  "Not to mention about some of you other claims.  There is not a single credit card that will accept another credit card to pay on the account. "

Fist off that is not true Robert there are many credit cards that allow payment by another credit card.  Just one example the Pacific Pride gas credit card allows monthly payment using another credit card like AMEX or VISA.  So you are making statement you know nothing about.

Robert, BillMeLater is NOT a credit card!  So your questions makes no sense.  BillMeLater is an online vendor who offer payment services.  The lame excuse they told me why they would not allow me to make a payment with a credit card was because they didnt want to have to pay the credit card transaction fees!  Thats a big Red Flag!

4.  Finally Robert restores to name calling:  "As for your orginl "RipOff" wituot seeing the email, since it is impossible to know the entire set of circumstances it is hard to say if there was a problem.  But once you start making claims you did, you turn a possible valid compalint into one from a "crackpot."

There is a wwell known attorny defense tactic: "If the evidence is not on youe side, attck the credibility of the affiant."

Isnt that wht your doing here Robert?  I'm providing URLs with many other also victimized by BillMeLater's scam, its not just me Robert.  Are we then all "crackposts" Robert?  Where is your evidence showing they are not scamming all of us victims?  You present questions, insults, but NO evidence at all!  If you worl for PayPal or BillMeLater man up and say so.

Second Robert in one sentence you say without seeing the email (and telephone calls) its hard to say what the circumstances are and cant make a jusdgement.  But in your very next sentence after making this point to contradict yourself by saying: "you turn a possible valid complaint into one form a crackpot."  But you dont know me, you admit you dont know the circumstances, so how, and why are you contradictiong yourself Robert?

Also I'm trying to warm consumers of my experience, and sharing the same type of ripoff experiences of many others, so they can make an informed decision if they want to make the big mistake of deling with BillMeLater which is a scam.  ITs up to each consumer to make their own informed decision.  So whats your motivation by questioning all of our fraudlent experiences with BillMeLater?  It doesnt make sense Robert, I really believe you, or someone you know, works for BillMeLater and your just helping them perpetuate the fraud on all of us.  I hope th readers of this RipOff warning see that as clearly as I do Robert. 

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#3 Consumer Comment

How is that tin foil hat?

AUTHOR: Robert - ()

 Because if you are the least bit serious you must be wearing one.

BillMeLater id a scam and an attempt to gain access to your private bank account information.

- The idea of a "SCAM" is to somehow profit from the actions of the scammer to take advantage of the one being scammed.  So exactly how does this scam of yours work?  What is Bill Me Later going to do with your bank account information?  Are they going to go on the black market and sell your information?  Are they just going to one day after they get a few hundred thousand accounts going to wipe out everyone's account and head to a private Caribbean island? 

Not to mention about some of your other "claims".  There is not a single credit card that will accept another credit card to pay on the account.  There may be a very...very..very..small number that accept PayPal but that is definatly the exception. 

As for your original "RipOff" without seeing the e-mail, since it is impossible to know the entire set of circumstances it is hard to say if there was a problem.  But once you start making the claims you did, you turn a possible valid complaint into one from a "crackpot".


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