Paypal allows anyone to sign up with your bank account number (which happens to be on the bottom of every check you send out to people). THey are almost impossible to get on the phone and then when the fraud complaint is made they take 4-5 days to shutdown the account, hence more transactions go on while they check with their departments. It then is said to take 10 days to get your money back (don't know we have rec'd ours yet...it is day 5). By the way, this business is based in India. read full review »