Who
is 123bill?
123bill is a subsidiary of Easy Online Solutions, a privately
held company headquartered in Southfield, Michigan. Since 1999,
Easy Online Solutions has been providing mission critical internet
solutions for businesses of all sizes. Since our move to a state
of the art data facility in 2002, we have focused on providing
superior e-commerce solutions. Our experience creating merchant
solutions led us to the development of our new flagship service
now known as 123bill. Today, we are fully staffed to deal directly
with consumers in addition to providing full merchant support.
What can I purchase online with my 123bill account?
All products and services sold by participating 123bill merchants
which run the gamut from online shopping to informational and
subscription based services.
What does it cost to have a 123bill account?
Nothing! You will only be billed for the purchases that you
make. There will never be account setup fees or interest billed.
When your account is kept current and all payments received
within the 30 day grace period from each respective date of
purchase, you will never be assessed a late fee.
What information do I need to give to establish as 123bill
account?
We require minimal personal information to authorize and create
your 123bill account. We require your full name, address, phone
number, date of birth and also the last 4 digits of your social
security number. We send this information through a secure and
direct connection to Experian, world leader in credit services.
We do NOT access your credit report but they do review this
information against their database to verify your identity.
If all of the information provided is correct we will issue
you a new account regardless of your credit history.
What
measures does 123bill take to protect me from fraudulent activity?
Because we never require your entire social security number,
it can never be stolen or used to obtain credit at any other
lender. We mail hardcopy statements in addition to an email
invoice within 24 hours from the time of purchase. With this
efficient process, you will be able to notify us of any unauthorized
activity quickly. No account identification card or “credit
card” will ever be mailed to you and this means your information
can never be lost or stolen.
What charge information is included on a 123bill statement?
Billing statements are discreet. Purchase descriptions are categorized
as “Online Subscription Service” or “Online
Product Purchase” and if applicable will also include
any terms of purchase such as a rebilling date. Full billing
descriptions can be retrieved with ease online or over the phone
if necessary.
What is the process for disputing a charge on my account?
There are several convenient ways to dispute account charges.
You may write details about your dispute on your invoice, mail
it back and await our response. We welcome customer phone calls
during business hours at which time a customer care representative
will be happy to assist you. Lastly, you can dispute a charge
online by submitting an easy-to-use form in your account access
area.
What methods of payment does 123bill accept?
You may remit payment after receiving your invoice with the
included return envelope. We accept personal checks, checks
drawn on a business account, cashier’s checks and also
money orders. If you wish to make a payment directly from your
checking account over the phone one of our customer care representatives
can fulfill that request.
What happens if I do not pay my 123bill statement on
time?
Please refer to the Terms and Conditions of the 123bill Consumer
Agreement for full details about your payment responsibility.
You are given a 30 day grace period from the time of purchase
to remit payment in full at which time you are assessed a late
fee which is relative to the amount of your outstanding charge.
If your account is still unpaid at 60 days we reserve the right
to assess an additional collection fee, put a mark on your credit
report and lastly turn your account over to a licensed collection
agency.
Where is my personal information stored and will it
ever be sold to another company?
Your information will be stored in our secure servers in addition
to a paper file which may be created and stored securely at
our offices. Officers and bonded employees of 123bill will have
access to your private information only when necessary. Your
personal information and spending patterns will not be shared
or sold to any other entity.
When can I begin shopping after establishing an account with
123bill?
Once approved for a 123bill account you may immediately shop
at all participating merchants.
When will I receive statements from 123bill?
Electronic statements are sent via e-mail immediately following
your purchase. Paper statements are printed and mailed within
24 hours of each purchase. If multiple purchases are made within
a 24 hour period or over a weekend they will all be included
on one statement and not invoiced individually.
Why would I choose 123bill for purchases online instead
of a credit card account?
123bill has established itself as an excellent online payment
method by eliminating the risk of fraud, identity theft and
interest charges. Consumers appreciate our discreet billing
process which keeps prying eyes from reviewing statements. Our
web site allows you to instead login securely online for access
to full purchase details.
