PayPal Money Transfers Complaint

PayPal Money transfers department,

Domestic (US) money transfer Fraud or scam Washington

At the beginning of - 2015 I signed up for a PayPal account. All I wanted was the ability to simply pay my friends directly from my bank account. That is it. Then about a - ago I got some mail from them that looked like an agreement of some sort. I did n't really go through it thinking it was n't important. Then today I got an email from they saying I owed $15.00. So weird and unexpected. I logged into my account to discover a newly added payment option, PayPal credit. They had opened a credit line under my name for $1000.00 with an APR of 19 % and apparently when I had gone to pay my cousin $15.00 I owed her it charged it to this credit account even though as far as I am concerned I chose to pay her directly from my bank account. I am furious. I emailed the company and called them. The customer service rep said I probably clicked on a button agreeing without realizing what I was doing ''. I have multiple credit cards and a very good credit line. I would NEVER agree to a credit account with PayPal. I do n't need it and I already do n't trust an online wallet like this. The only reason I even opened an account was because I owed my friend money and they encouraged me to try it out. HUGE MISTAKE! I told the customer service rep that I never agreed to a credit account and that they had illegally done so. I also asked to have my account closed immediately. I then went and reported them to all - major credit bureaus as illegally checking my credit.