When you think about it, a scammer would need to verify an account by linking an existing bank account or credit card and receive a small PayPal payment. It would need to have the same name and location as the hacked account, so the profile would have to be edited. Then place an advert, and do so before the account holder realised what had happened.
Not really true. My mailing address and where I physically live is Alaska. My billing address for all my accounts is Texas and I have no intent on changing that. My profile here says I live on Mars.