I ended up here on this forum after receiving a collection notice from ACI and doing a Google search to see if it was a scam. I was really tempted to just blow it off but figured that I would call PalPal anyway just to see. It was for a fairly large amount ($3150) and I knew that it wasn't mine. After being transferred 3 times (that's really annoying btw) I got through to the collections folks. Their first question was whether or not I wanted to make a payment! So the account was real, it just wasn't mine. I ended up filing a fraud report and they are going to erase the charges once it's been investigated. The funny thing is that they didn't have my SSN, my real address, or access to my real PayPal account yet they were able to create a new account under my name. I'm going to be checking my credit report just to be sure but the agent told me that this wouldn't end up on my report since they didn't have my SSN. The TL : DR version is to make that phone call to PayPal if you get one of these collection notices. james
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