ACI has sent me a few letters saying that PayPal has hired them to collect $191.19 from me. Trouble is....I don't owe PayPal anything. I have contacted pay pal and they say that they don't even hire outside companies to collect for them. I don't owe them a cent. and that they have turned this issue over to their fraud department. I am notifying the PA and the NY State Police. Don't fall for it, don't send them money, check into things yourself.