PayPal Holdings, Inc. Credit Card Complaint

PayPal Holdings, Inc. Credit card department,

Arizona

PLEASE NOTE : PAYPAL AND BILL ME LATER ARE OWNED BY THE SAME ENTITY I have two accounts : # 1 Bill Me Later / - account # - PayPal Credit account I was staying current on both of them. After - - ( my last payment to account # -, see evidence - ), I was told by PayPal that account # - had been renamed and reclassified as PayPal Credit. It was noted that I need not do ANYTHING further to consider account # - as a PayPal Credit account ( please see Evidence - ). You can link your PayPal Credit account to PayPal.com account. However, my original PayPal Credit account ( # - ) ended up being the linked account on the PayPal.com website ( never offered a selection ), with NO ability to link the new, secondary PayPal Credit account ( # - ). I had no idea the functionality worked like this, nor was this disclosed in the PayPal Credit FAQs ( see Evidence - ). Thus I began paying down the PayPal Credit as usually ( # - ) as shown through the PayPal.com website and completely paid that balance to


Little did I know that # - was never linked to PayPal.com, so I had no visibility into the account or to access statements. I did not know that I had to go to the OLD Bill Me Later / - site to make payments as PayPal was even calling the new product PayPal Credit! This is very misleading to the consumer who assumes his product is called " PayPal Credit '' now. This resulted in me not paying off a promotional no-interest offer by - - ( original balance $450.00, see Evidence - ). Interest was accrued ( and is still accruing ) with penalties. Interest and penalties as of the -/-/- statement amount to $290.00. My proposition to PayPal was to pay the $450.00 and cancel the card. They refused and demanded I pay interest. I will not do this as I believe PayPal did not take into account situations in which customers would now have more than - PayPal Credit account. The situation was further exacerbated when I would call in and the representatives would refer to - accounts as PayPal Credit, which I would then assume was paid off. I am a good American who takes his debt seriously ( please see my -, Evidence - ), but feel like I was unintentionally misled by a process that was n't thought through end-to-end. To this day, I am unable to link - accounts to PayPal.com even though they are PayPal Credit products. I reiterate, I am unable to get a holistic view of my credit with PayPal in - spot. I have no problem paying the debt I signed up for, but I would never in my life pay interest on a promotion I knew I had to pay off. PayPal should have disclosed the issue with their linking and informed customers they should continue making payments through the old portals they were used to. Please help, CFPB. PayPal refuses my offer and wants to turn a profit on their poor system design.