PayPal Holdings, Inc. Credit Card Complaint

PayPal Holdings, Inc. Credit card department,

Late fee Massachusetts

On - -, -, I purchased iPhones online with PayPal with $1200.00 with the condition of 6 Months No Payments + No Interest. PayPayl forced me to use PayPal card ( please see attached invoice note ), because other credit cards icons were not available when they were clicked. I did not like to use PayPal card because I lost - % award, which I could always got with other credit cards. I believe PayPal violate the law to force me use their card. Second, I had never received any bills from PayPal until - -. PayPal billed on - - for $75.00 for interest and late fee ( please see attached bill on - -, - ). On - -, I called PayPal on a recorded line about the extra charges. Their representative, - ( employee ID # - ), explained that my new purchase on - -, - automatically voided my 6 Months No Payments + No Interests benefits. I could not agreed with it, because 1 ) I was not noticed of it when I did the second purchase ( please


Third, PayPal did not send me the bills in - - and - -, why I was subjected to the high interests charge and late fees? On - -, PayPal representative, -, and his supervisor, - -, claimed their evidence for having sent me bills was they did not receive the returned mails. Their explanation is not acceptable, because no returned mails are never evidences for mails were ever sent out. I did NOT lose mails from other senders. The possibility is almost zero to lose mails from a same sender for consecutively two months. I do n't believe PayPal did ever send me bills in - - and - -. Let me tell you, I always pay off my credit card bills on time. You can check my credit payment histories with - -, -, -, etc. for -. I sent dispute claim to PayPal on - -, but unfortunately, they refused to make corrections. Based on my experience, I highly suspect PayPal systematically manipulated the system : First, forces customer to use PayPal card with the trap of 6 Months No Payments +No Interests, Second, voids the 6 Months No Payments +No Interests with the excuse of a new purchase ; Third, do n't send out for 2 months in order to produce high interest rates charge and late fee charges. I believe I am not the only victim of their manipulation. I seriously request your authority to investigate my case and to stop PayPal wrong doings. I also claim $500.00 compensation from PayPal for 1 ) refunding my payment of interests and late fee ; 2 ) damaging my credit ; 3 ) credit card award which I lost when I was forced to use PayPal ; 4 ) my time looking for solving this issue.