It seems that over the holidays when all of my family was visiting, some relative of mine, and I cant figure out who, got onto my computer, and logged into my NETELLER account and wired $500 to an old offshore wagering account I had, and I just got a demand email from NETELLER demanding their payment for the $500 and the $45 processing fee. I did a check and sure enough someone had tried sending a payment from an old bank account I had, that had been closed for 2 months prior, which didnt go thru. But the NETELLER agent is now saying I owe them $545, and that if I do not pay, they will sue me and report it on my credit report. I cannot find out who did this, and am still looking for the perpetrader, but do not want this to go on my credit report since I didnt authorize the transaction. What should I do? Ive tried explaining it to the NETELLER person, but they do not believe me. Are they bluffing me about legal action/reporting to my credit report, or are they serious? What should I do?