Dano

I go based on character milestones and big events. For illegal characters, it could be jail, a faction war, someone dying, etc. For my LEO character, I've gone based on promotions and other IC events that would only make sense that my character would age up, as it would be unrealistic to be a young Sergeant, for example.

It's most likely a mod that you've installed.

Should be fine, I've played for years on similar stats.

Hey there, you might have better luck writing up a refund request on the UCP https://ucp.gta.world/ Showcase all your evidence there and make a ticket.