BML's customer service couldn't be worse.

They have NEVER responded to any of the emails I'v e sent to them using their system. Some going back MONTHS. On the phone you go through automated phone hell, just to speak to some kid who doesn't have a clue, and can only look up your balance for you.

They screwed up my ACH payment, recoding it for a SAVINGS account, instead of the CHECKING account it was coded for, costing me a $25 fee from my bank.

These people are completely incompetent, and obviously couldn't care less about their customers.

I responded to a $30 credit promotion upon opening a new account. Three months, numerous calls to customer service, a formal complaint, and several emails later, NO CREDIT. They state that there wasn't a credit like that during that time. BS!! What a fraud. It all made sense when I learned that they are affiliated with the same crooks at ebay. Avoid them both like the plague.

Last Nov 2007, I purchase from an online store and used "Bill Me Later" - 6 month finance purchase offer.
On my monthly statement on June 2008, I received a bill charging me with a finance charge already since they claim that I did not pay on time. I called the company right away and informed them that I will pay them (on the same day) right away online and if they can waive the finance charges, since I overlook on the due date thinking that the no payment promo will be at the end of June and not June 1. Their customer representative asked me to pay them right away while she will apply for my waiver. This July, I received a statement that I still owe them for the finance charge for my purchase. I called them immediately and talked to a customer representative named Alma who was not so helpful and readily reported that my application for a weaver was denied. She insisted that I did not pay on time and I should pay the latest statement. I explain to her the situation and if she could track on my previous bills that was consistently paid on time. However, this remain unacceptable to her so I asked If I could be transfer to somebody else. She denied this for a long period of time but with my persistence I was finally transferred to her supervisor, Brenda who second the motion Alma's rhetoric. I explained to her that other companies, can easily waive problem like this if it happen the first time, but she said not their company. She insist that I need to pay my dues. By the way, while I'm talking to Brenda I can hear people on the background laughing.

I think, this is how the BillMeLater make their money together with a customer service that was very happy to mocked their clients. How can you trust a company like this? Is this what they call customer service?