I got a call from a man named Henry from the Dept of Fraud. What a scam. Told him I was in law school and that I would check all this out, of which I will be inthe fall. He said to wait for paperwork to prove that I paid back a payday loan. This is so dumb. Don't worry people. Just say they have the wrong number. Keep answering. Answer in Spanish. HAHAHA. I am so thankful for the internet.