Ready or not, it’s time to start Day 2 of bloodthirsty competition in the Worst Company In America tournament. Kicking things off for today is a match-up between two companies that love processing your payments, but don’t really show the love when you call to complain.

For PayPal it wasn’t just another year of inexplicably frozen accounts, mysterious lifetime bans, or vanishing payments, it was also the year PayPal decided it sucks so bad it needs to include a mandatory arbitration clause in its terms of service to prevent being sued in court.

There were also those really bizarre ads, in which Jeff Goldblum giddily discovers he doesn’t need to go to the mall to buy stuff.

Just about anyone paying back student loans — and there are a lot of you out there, with student loan debt in the U.S. having recently passed the $1 trillion mark — is familiar with Sallie Mae, which not only provides loans, but collects on them too.

Which may explain why, according to the Consumer Financial Protection Bureau, Sallie Mae was the subject of almost half the student loan complaints filed with the CFPB last year, like this one, in which Sallie Mae simply couldn’t handle being paid twice in one month by a borrower and so tabbed her as delinquent.

It’s time for one of these companies to pay its bill in full… your votes will decide which one it will be…

VOTING FOR THIS POLL IS NOW CLOSED. CONGRATULATIONS TO SALLIE MAE FOR MOVING ON TO THE SECOND ROUND!

This is a post in our Worst Company In America 2013 series. The companies competing for this honor were chosen by you, the readers. See the entire WCIA 2013 bracket HERE.

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