I signed up with paypal because I thought they were a safe way to purchase from ebay. Someone used my name, changed my email address and payment method and charged $499.95 to my name. I had no idea it had happened until I got a letter from a collection agency that paypal sent me to. Paypal is refusing to do anything because I had already been sent to collections. If it can happen to me it can happen to anyone. BEWARE!