PayPal credit account issue

I am having issues with the PayPal credit account. I have made several attempts to pay my bill only to be asked to connect my bank account information. When the credit portion of PayPal was Bill Me Later, all they needed was my bank card information to process a payment. Now they won’t take a payment unless I provide my bank routing information and account number. I received an email saying the attempts they made to deposit money failed. I have no other way to pay and my account is in default PLUS they are adding late fees! I don’t know what to do and paypal is offering zero help with this matter. Why should paying my bill be this hard?

Posted: December 4, 2014 at 8:03 pm


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4 Responses to PayPal credit account issue

  1. Helen Azzara says:

    9 months ago I used Bill Me Later (now PayPal Credit) for the first time, and a good portion of purchases were made buying books from Alibris online book site. The first time using Bill Me Later I paid off my balance within 3 months, and the next 3 months as well. I was never charged a late fee, until the name changed over to PayPal Credit a few months back. Over the past month I have been harassed every day with an automatic phone call message from them – asking for my date of birth without any explanation and so thought it was not a legit call. Until today, I decided to call them and find out if this is PayPal Credit, which they confirmed was. They asked for the month and date of birth along with the last 4 digits of my SS # and I pray this does give enough info to cause a security breach. And even though my track record shows balances paid in full within 3 months out of which I thought I had a 6 month allotted time to pay off. Now I am being harassed and having to fight to get late fees off. Which I am still being threatened with.

    Today I had a lengthily conversation with a supervisor who went by the name of Ax, who said he was in AZ. He refused to give his last name. Before him, I talked to a customer service guy in MD, and when I asked for the main address and the name of the president he would only give a PO Box address — PO Box 5138, Timonium, MD, 21094. Who knows if this is even legit! And not to have a personal contact or corporate office anywhere is mind-boggling!

    PayPal stands by their policy that my payments appear not to be promotional but are standard purchases. They also would not give me a breakdown in writing which purchases are promotional and standard – except to mention Wal-Mart was standard fee and I had a late fee.

    So what then does the name Bill Me Later represent? It is so misleading and now I know why the name is changed to PayPal Credit. They can justify the argument and are making their money through scams, by saying one owes late fees because of imposing two different types of payments. When I added I had recently done a promotion, which offered $10 off the price of a payment for a service if done with PayPal Credit, I was told this as a different type of promotion and the other $50 was then considered a standard payment???

    There is something very wrong with the way PayPal Credit is doing business in luring customers in on the pretense of presenting a policy that blandly states on their website one has 6 months to pay off all cost without a fee – now noticed their website has added the language if a “qualifying promotional.” And does not mean everyone has this option, and the only way you can tell, Ax said, is at when you check out — it will say then if a promotional or standard purchase. I have not noticed this before. If I did see this I believe I would have thought it was meant to be taken as a Bill Me Later payment rather than a regular PayPal payment

    This is such a wrong way to get people roped into something and is being used to by legit companies. Even the guy at PayPal admitted these types of payments are deeply hidden in the terms and conditions, not something one finds easily. This is also happening with Carecredit and there is also much in their fine print of a size font 4 that is not discovered until too late.

    I am so glad to find this website and hope this leads to clear action in getting some laws of protection in place. Long shot but this websites gives one hope!

  2. E. says:

    You can make payments to your paypal credit account by mailing a check and a payment tear off from your statement. Send it to
    PayPal Credit
    P.O. Box 105658
    Atlanta, GA 30348-5658
    You will need your 16 digit account number which is found on your PayPal credit statements accessible online. You also have the option of receiving a paper statement. Call PayPal Customer service. Unfortunately I do not have the phone number at hand.

  3. MARTIN HABENICHT says:

    FREEZE MY ACCOUNT FRAUD BEEN USING MY ACCOUNT I WANT MY MONEY BACK.

  4. NEED TO FREEZE MY PAY PAL ACCOUNT DONT CANCEL JUST FREEZE PLEASE FRAUD ON SEVERAL BIG TICKET ITEMS THANK YOU MARTIN S. HABENICHT

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