In XX/XX/2016 I began making payments under what Paypal Credit called a " catch-up program '' to help me bring my XXXX account ( also managed by PayPal Credit ) under control after approximately 4 months of missed payments. 

These missed payments coincided with the loss of my previous job and failure to secure employment of equal worth, and my hard-fought efforts to save and work enough to pay my debts afterwards. I remained in contact with XXXX/PayPal Credit throughout this process, advising them on my financial situation as I tried to remediate it. 

According to PayPal Credit, completing this 3-month program would involve making " higher payments '' for 3 months in return for wiping out the late fees on my account, re-aging it, bringing it current, and entitle me to a guaranteed lower rate at the end of it. I was told I would not be charged late fees during the program so long as I paid the amount agreed to, on-time, each month. 

3 months and 3 early payments later, I was finished with the program - and my monthly payment jumped up {$20.00} from previous, plan rate. When I examined my statement, I found they had been charging me interest for every month I had been doing the plan, that no previous late charges had dropped off, and, finally, that nearly a year ago PayPal had not properly applied a {$540.00} debit, and a separate {$88.00} debit, to my account that would have significantly lowered my liability to the credit line if applied correctly at the time. 

( I had not to this point realized it, because the debit was generated from a credit that was part of a promotion for a year interest-free. It did n't have any effect on my account until this promotion ran out. ) I contacted PayPal Credit about this and we began the dispute process. That was approximately two months ago. 

Since then, I have had a miserable time attempting to get any resolution or motion from PayPal Credit. I have constantly been hounded by them for payments despite being told, every time I called in, and every time I successfully identified myself, that my account was in " pending '' status for review from the " back office. '' When my account finally came off " pending '' status, they had not done anything they promised, addressed the missing debit, or removed any of the promised fees. At this point I began working directly with XXXX, a PayPal Credit collection supervisor. He was promised as a single point of contact who would resolve all the outstanding issues on the account. 

Together, we sought out the exact transaction details for the missing debits. We tracked them down to the issuers and verified that one of the charges had not been correctly applied to my account. ( The other was denied to be an error by the company involved. They have also not returned my calls. ) This has been a constant headache. I have been harassed at all hours, constantly, by agents who then bashfully admit that they do n't know why I was called. Every time I call in, it 's 30 minutes to an hour of wasted time unable to contact anyone who can assist me. 

PayPal Credit 's " Bill Me Later '' has acted deceptively and refuses to honor the promises they have made. They have charged me late fees for payments made early under their 'recovery ' program and refused to abide by the terms of that program. 

They have refused to correct their records and continue to assign interest and fees to the account while refusing to take my calls to correct their errors. I am utterly disgusted by the level of disingenuity they have displayed throughout this process.