There's a new scam going around. I got a letter from a collection agency saying I owe paypal $186.20. I have not used my PayPal account in 2 years. I called the agency and they said if I don't pay they will ding my credit. I called PayPal and was told I do not owe them a dime. They also said the scam works like this. A fake company contracts with a legitimate collection agency to collect a false dept by the scammers. If they collect, the agency gets 50%. If they don't collect, then nobody is out any money. Beware!!!