PayPal Holdings, Inc. Credit Card Complaint

PayPal Holdings, Inc. Credit card department,

Closing/Cancelling account Tennessee

I get a letter in the mail saying I owed $19.00 for an account on Pay Pal Credit that I never opened or used. I have a regular Pay Pal account, so someone tied both of these together without my permission. When I try to pay them with my credit union checking account., they refuse payment, and want to to send a check to them. No, I do not send checks, due to the fact many people get defrauded and their checking accounts hacked, by sending them. I tried paying with a credit card, and they refused ( because I just want it to go away ). So, they have said they are going to take legal action against me, on this, and will destroy my good credit rating.