This is not really helpful because you cannot file a dispute with PayPal Resolution for a charge that is not showing on your account, which is the case here with a $120 collection letter from American Coradius International. I just checked the PayPal account which was opened in 2011. There are zero charges from 2021 and zero charges from 2020 and zero charges from 2019 (as far back as I can go). The account is rarely used since 2011. So there is obviously another account that somehow has my name attached probably with a fake email address. There is an account number on the ACI letter although PayPal doesn't use account numbers, only email addresses. So now I get to call a collection agency and sit on the phone from the hospital while I sit with my brother for his surgery because PayPal doesn't do enough to confirm identity when letting people open accounts.
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