A federal court complaint says that Paypal has misled consumers with a credit product on its popular online payment service. The Consumer Financial Protection Bureau is looking for $15 million for consumers and a $10 million fine against Paypal. You may have seen the Buy It Later option when you went to pay for an item online with Paypal. I guess some consumers didn’t view this option as credit. Richard Cordray of the CFPB thinks that is the case.