Consumer complaint received 2015-07-17
Company: Paypal Holdings, Inc
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015, Paypal paid a XXXX $ XXXX dollar civil penalty along with a designated XXXX $ XXXX customer refund fee due to alleged deceptive business practices within its Bill Me Later/Credit option. On XXXX XXXX, 2015, I made a XXXX $ payment to paypal with what I believed to be a possible MasterCard/Visa, ending in XXXX and XXXX respectively. At first I was given the option to use the Bill Me Later, and i clicked No and continued with my card. I tried one or two more times before realizing on-site malfunctions would not allow that payment method, although there was no issue on my end. I read the terms and service of Bill Me Later, noting that I would receive a XXXX $ credit refund, and that the XXXX $ would be charged and payed off XXXX month after the initial payment date. I clicked to use the card anyway after refreshing the page countless times, and eventually it went through. I had a feeling it enrolled me with credit, but had no way of knowing at the time. On XXXX XXXX, I received a XXXX $ late fee followed by the option to pay an additional {$0.00} interest charge to avoid standard/deferred interest on the payment. I received additional late fees/interest charges as follows : XXXX XXXX : {$35.00} ; {$2.00} XXXX XXXX : {$35.00} ; {$2.00} and XXXX XXXX : {$35.00} ; {$2.00}. I called around XX/XX/XXXX after noticing these charges, although I received no email, phone, mail or on-site notifications, to the credit line of Paypal via a listed phone number from the site. The first woman I spoke with, before letting me explain my situation, removed some late fees in an overzealous manner, informing me to call back after I received permission from the cardholder to give the card number over the phone. She said it had to be done to remove late fees, and by contacting paypal, and not the credit company I was speaking with, I would disqualify myself from that option. However late fees and interest charges were still applied for that month and furthermore. I called back to inquire about why those were the circumstances and why I was still responsible for paying the initial XXXX {$.00} I received no help and was told that because I ( the paypal acc owner ) told them that I was not the cardholder, that they would need to speak to him directly, and were locking me out of any further maintenance to the account. However, my father ( the cardholder ) was not comfortable giving that information over the phone, and was more so skeptical of the matter itself, which leads me here. As of today, XXXX/XXXX/15, my owed total for credit is {$110.00}. I was told by the CFPB that they would contact me if I was eligible for compensation regarding this issue, however I believe I have been affected by the following, directly relevant to the lawsuit Paypal participated in : Abusively charged consumers deferred interest ; Deceptively advertised promotional benefits ; Enrolled consumers in PayPal Credit without their knowledge or consent ; Made consumers use PayPal Credit for purchases instead of their preferred payment method ; Engaged in illegal billing practices ; Mishandled consumer disputes about payments.I am worried that this entire debacle will impact my credit, cause undeserving financial issues, and impair the functionality of my account, seeing as I 'm in the process of linking my bank account. 
Attached are screenshots of all necessary and relevant files, such as evidence of abusive interest, continued late fees even after removing them *in what I BELIEVE to be an effort to bury the dispute and avoid the lawsuit charges*, along with paypal credit statements, credit transaction history, and an informative on the deferred interest policy along with a credit summary. Please click " XXXX Image '', " XXXX Image '' and so forth at the following XXXX links as necessary, seeing as I can not attach some " screenshots ''. 
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Company response to consumer: Closed with monetary relief