Got a call, called them back.  Man said he was Richard Klein.  He said that I requested money from a payday loan back in 2012 and the money was deposited into an account, and when they people tried to retrieve their money, it was denied.  I haven't worked in 12 years...think anyone is gonna give me a payday loan?  LOL!  He also sited a bank account that has been closed for a number of years, so no money could have been deposited anyway.  He asked me to verify my SS# and my email address.  Which I did not.  He also sited an address for me that is 5 years old.  It's a scam.  Don't give these people any information because they are fishing for your personal info.