The typical example is an underage child in an adult seatbelt. Because of the difference in dimensions, a crash causes the seatbelt to impact the neck.
I'm not sure that would be classed as "used properly", though.
Is it a legal requirement for underage children to use an adult seatbelt? I know here in Sweden for example it is illegal to have child, under a certain height, in a car without proper child seatbelt/car seat. Form a legal point of view no seatbelt and adult seatbelt are more or less equivalent.
I'm not sure that would be classed as "used properly", though.