I bought something on eBay and paid with Bidpay. To make a long story short the seller is committing online fraud and ripping off dozens of people for thousands of dollars. I'm only out $135, others are out $500 or more. I told Bidpay weeks ago that this guy was committing online fraud and they didn't do a thing. Didn't even respond to my email and they're still letting him collect money from more victims. So I initiated a chargeback with my credit card and now they're threatening to send me to collections. Any advice? I've never delt with debt collectors before. Bidpay claims by using their service I'm bound to their contract. Is this the case? I never signed anything, is this legally binding? And the only info they have on me is name, email, address and credit card #. Without my social security number can they or their collectors screw up my perfect 750+ credit score? Can they sue me and drag me through court without a legal signature on a contract? I want to tell them to shove it and not pay because I refused to be bullied by them. I'm even willing to appear in court and fight them but I'm afraid I'll end up being ordered to pay them a grand or something after they tack on all their fees and such.