Yeah this is still happening! Same as everyone else - I just got a letter from Synchrony Bank saying they declined a PayPal Credit application because they were "Unable to Verify Your Identity". Well thank goodness. I ALREADY have a credit freeze active at all three bureaus, so I'm not sure if that's what saved me or if the thief just didn't have enough info? My issue is that Synchrony/PayPal has a monstrosity of a robo-menu for customer service. I first called Synchrony, where I had a hard time reaching anyone because I DON"T HAVE AN ACCOUNT and they want those details before they'll connect you to anyone. Then they wanted my SS# - and I'm like NO, I'm worried about fraud now I'm not going to give you my full SS. I was eventually able to reach a real person but while she did have an understandable accent, she wasn't much help. Since the account was never opened, Synchrony can't flag it, and apparently can't flag my information, either. She told me to contact PayPal (since I have an existing, non-credit account) and that I needed to ask them to put an alert on my existing PayPal account, and that it's possible the thief hacked my PayPal account - since there is no fraudulent activity on my original account, I think it's more likely someone opened a duplicate account with my name and address. Anyhoo - that gets me booted back to PayPal, which again, wants all my information to talk to me, and connect me to a series of folks with very strong accents who are hard to understand and have poor quality headsets so everything is static-y or muffled. The last gentleman I spoke to may or may not have been able to put an alert on my account (and why do I have to call to do this, anyway? Why can't I just flag my own account online?), he was obviously having trouble concentrating because he had to ask me to repeat my email address 3 times. So, now to try to figure out fraud alerts - yay. I already put dual authentication on most of my sensitive/finance/email related accounts, and I'm changing passwords. My credit is already frozen thanks to the idiots at Experian who leaked my data, so now I'll investigate fraud alerts. Thanks to the folks who suggested renewing your change of address forms - that's a good idea. Good luck anyone with this problem - I'm sure PayPal isn't exactly responsible for this, but their customer service setup sucks, and since this is an ongoing issue you'd think they could do more to prevent duplicate accounts or something.
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