Please see my original post, as well as the selected 'best answer' which explains exactly what is happening with my account (and I assume others): https://community.ebay.com/t5/Buying/Someone-inside-of-eBay-is-using-my-account-without-my-permissio...
I need some actual help with getting someone to fix this issue! I have found no one to help me, nor anyone at eBay who will even admit that this is an issue.