I discovered over a month ago that PayPal let my ex-live-in BF open up an account under my SSN for his business, which is long closed, connect it to a bank account not in my name, and get a -$850 balance. After I contacted PayPal, they first said they would do an investigation, and a few days later they came back to me saying that since I lived with the guy, I must have given him permission to do it. The police told me basically the same thing, and that I was better off taking him to small claims court to get the balance, since I can connect it to his business, but I cannot prove I did not give him permission to open it. I got a hold of the ex by e-mail, and he said basically tough, I deserve it.
I do not have the money to pursue this with a lawyer (I am still getting back on my feet from leaving the abusive ex), but I got one to work on my budget if I did most of the work of gathering information. Here is where PayPal failed the most. I was told that I cannot have any records of the account they are claiming I owe the money on, because they will only e-mail them to the e-mail address associated with the account, and even a request by letter will not work. I pointed out that they let all this happen without any process or proof of identity. Basically, their lack of security measures caused this to happen, and now they are actively against helping me fix it.
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