PayPal Money Transfers Complaint

PayPal Money transfers department,

Domestic (US) money transfer Incorrect/missing disclosures or info Incorrect/missing disclosures or info New Jersey

I use paypal to make payments via my bank account. PayPal enrolled me in PayPal Credit, a credit line, without my authorization or without disclosures, to make a $120.00 payment to - on -/-/2015. I assumed my payment was debited against my bank account, but it was not, and was instead enrolled in PayPal Credit. There was no e-mail or notification that this was done, nor was my signature nor acknowledgment required, nor were there any disclosures provided. PayPal did not notify me that there was an outstanding balance either, so now there is $35.00 in interest payments and late fees. My issue is that I did not authorize to have credit extended to me and I was never notified of any balance. In addition, when I reached out to PayPal on -/-/2015 after learning of having a credit account opened without my consent, customer service waived the late fee of $25.00, but there is still $10.00 in interest payments for credit I did not authorize.