<prompt> Human: I went to my bank and they claim I created the account when i was eight It is a Commbank Complete Access Account, I recently found out it was 250 in debt when i received a letter demanding payment. When I went to the bank they told me that I could not realistically claim it as fraud as money had been put into the account small deposits from 20 to 100 maybe once a year, some are birthdays the others I cant find the cause and that if i do not pay soon they may have to resort to legal action . The withdrawals began about 180 days ago, most between 50-90 dollars, almost all of them orchestrated from a paypal account we will call pp1, though there were also 2 other withdrawels to another paypal account pp2 totaling to 100. The bank told me to call paypal, paypal told me i could only check the transactions of a paypal account if i knew its email and the account number the transactions came from. I tried all of the emails ive ever used, and although one of them had the account linked it only withdrew 5 back in 2011. On a whim i went with my mothers paypal and big suprise, i now know who owns pp1. I am working on convincing my mother to atleast pay off the debts of the account, but i still have a few things i have no idea how to do. - Is my bank allowed to open a debit account for me when im only 8?- How on earth am i meant to find pp2?- Im told this damaged my credit score, i have no idea what this means or how to fix it.- What do i do if my mother doesnt pay off the debt?I have no idea what i am meant to be doing, my mother claims she has not used paypal in a year, though i am certain this is a lie, and while i know she hasnt done this on purpose im trying to stay realistic.Sidenote: fuck they dont teach you how to be an adult at school nor how much the world is out to get you  <response>: This sounds a bit like identity theft to me. Someone presumably your Mom fraudulently opened a bank account in your name and has been using it actively, recently overdrawing the account resulting in fees. One alternative is to file a police report for identity theft, take it to PayPal and the bank and demand they remove you as being liable for it though Im not sure if this is how identity theft cases work. Realistically, it sounds like your Mom opened an account in your name and has been funding it ever since with small monthly deposits, but decided she needs the money now more than you do. As a result, she started spending it but wasnt aware of the balance. If it was your Mom, tread carefully as accusing her of identity theft andor filing a police report about it, could ruin your relationship with her. 