PayPal Credit Card Complaint

PayPal Credit card department,

Billing disputes New York

I have had a Bill Me Later ( BML ) credit account for several years and have had no trouble navigating their website to make my payments. BML was taken over by PayPal ( P-P ) within the last year. When I would make a payment after P-P took it over, I would go to the BML website and be redirected to the P-P payment page. Over the last two months I would try to get to the P-P website but I could not get to the correct place to manage my account, check my balance or make a payment, so I would have to go through BML website and would then be re-directed to the P-P website. I found if difficult to navigate the website to find where to get my balance or make a payment. The last time I was able to, this is what I saw. PayPal Balance $0.00 ( available ) Pay Pal Credit $530.00 ( available credit ) Seeing this, I would think that I had a 0.00 balance due on my account. ( underneath this line, in a font size - times smaller than the previous lines was : $120.00 balance due ( which


tell me how to get where I needed to in order to find my balance and make a payment. When I got to the page I told her that it said $0.00 balance. ( which is why I had not made a payment ) She then instructed me further to find the correct place on the website where I would find the correct location of the account balance and make a payment. I take complete responsibility for any original balance that I owe. I attempted to explain that the website was not easy to navigate, especially having never used P-P before this, and that I asked them to waive the late fees, which at this point were $95.00. ( the account balance after my last payment in - 2015 was under $10.00 ) I asked them to check my payment history to see that I had been making regular payments, they refused. After speaking to - different representatives and a supervisor they refused to waive all of the late fees and wanted payment of $120.00. I attempted again to negotiate with them but they would not waive the total late fees of $95.00 I have not had a late payment or not made a payment on that account while it was with P-P to that point. I have told them that I will pay the original balance I owe and wanted to close the account. They refused both. I had not heard from anyone at P-P prior to today ( -/-/2015 ).