We experienced the same as both of you.  My husband is a retired police officer and he kept trying to ask the guy questions which he would not answer.  We finally got the same story as both of you, that we stole money from them because we took out an online loan, cashed the check on our Bank of America account (we do not have a Bank of America account) and have not paid them back.  He keeps threating that the police will be knocking on our door.  He has called REPEATEDLY for three days now.  I called the police tonite after about the 20th call and filled charges of harassing phone calls.  I also got our number on the National Do Not Call List, so hopefully that will help to stop his calls.

There was one funny moment the other night when my husband was talking to this guy.  My husband kept telling him that he wanted to talk to someone who could speak English.  I was listening on one of the other handsets.  My husband got frustrated and hung up, I was still on the other phone and the guys says, "but I'm the only one in the office".........and I could hear all the noise of other people in the background!!! It's sad to think that he will actually get some people caught in his scam.