I received a collections letter for a debt owed to Paypal. Earlier this year I noticed 3 fraudulent charges on a checking account and they were from Paypal totaling $90. I called Paypal to question the charges and it was an account that was just opened that day and somehow they had my debit card information tied to that account. The bank ended up removing the fraudulent charges and I thought it was over. Now Paypal tells me that I need to file a police report for the incident in order to cancel the collection.
Is it really necessary for a police report? I have free legal services through my employer and was thinking of letting them handle it.