PAY PAL FIRST STATE BANK ST CLAIR SHORES MICHIGAN (CONNECTED TO PAY PAL) FINANCIAL CREDIT UNION PLUS GRAND BLANC MICHIGAN (CONNECTED TO PAY PAL) UNAUTHORIZED OPENING OF CREDIT ACCOUNT ; UNAUTHORIZED ACCEPTANCE OF PURCHASES WHEN NO MONEY IN ACCOUNT CHARLOTTE NORTH CAROLINA

DEAR SIR OR MADAM,

WE ARE FILING A FORMAL COMPLAINT AGAINST "PAY PAL.COM"  FOR THEIR UNAUTHORIZED USE OF WHAT THEY REFER TO AS "PAY PAL CREDIT".  NEITHER OF US EVER SIGNED ANY DOCUMENT AUTHORIZING PAY PAL TO TAKE SUCH ACTION WITHOUT OUR PERMISSION. 

WE EACH HAVE A DEBIT/CREDIT CARD FROM OUR TWO BANKS.  FIRST STATE BANK ST CLAIR SHORES MI AND FINANCIAL PLUS CREDIT UNION;  GRAND BLANC , MI.  WHAT PAY PAL DOES IS, WHEN ONE OF US MAKES AN ONLINE PURCHASE AND THERE IS NOT ENOUGH MONEY IN EITHER ACCOUNT TO MAKE THE PAYMENT ON THE ITEM; THEY DUMP THE CHARGES ONTO WHAT THEY CALL PAYPAL CREDIT WITHOUT CALLING US, INFORMING US BY MAIL, EMAIL ETC. 

MANY OF THE PURCHASES LISTED ON THE FIRST MAIL EVER RECEIVED FROM THEM TELLING US WE OWE THEM SOME $1500.00 IN PURCHASE FEES AND LATE FEES, ETC.  THIS IS FRAUD AND ROBBERY AT ITS HIGHEST  CRIMINAL LEVEL. THIS COMPANY SHOULD BE DISSOLVED AND BANKS ATTACHED TO THEM WARNED OF WHAT THEY ARE DOING TO CLIENTS OF BANKS WITHOUT THEIR PERMISSION OR SIGNATURE.

  MICHAEL AND JANET DELVECCHIO