Brenda,
Don't worry about it. It is a total scam. The are being very aggressive to make you feel uncertain and insecure. Let them know you know they are a scam. They break every rule in the book. They don't care, because the are probably calling from India. They distort the truth every step of the way to keep you intimidated and confused so don't try to reason with them. They are extortionist. The bottom line is they want you to send them money. They can't take anyone to court because then they would have to expose themselves, and to begin with their claims are baseless. They do have your personal information. They either got a payday cash loan company to sell them your application, or they hacked into applications, or they set up a fake payday loan application of their own to get your information, but never give out loans. There are hundreds of different blogs about them on the internet. They try to terrorize you by calling all the time. Just remember give them no money and confirm no information. You don't even have to talk to them. They will just threaten you more and more about arresting you, taking you to court etc.... Don't worry it won't happen and it is a scam. I would report them to your local DA or AG. There is no Federal Government of Crime and Prevention. You can tell he isn't American because he refers to himself as Officer Steve with no last name.
Just to let everybody on this site know some other information about this scam. If you challenge them about their operation being a scam, sometimes they will leave you alone for a while, and then you will get a fraudulent call saying it is from the Attorney General's Office. They falsely state "that the Attorney General's Office is investigating the phone calls and has the situation under control, but that payment should be made to the collection company if there are concerns." I got this off the Kansas Attorney General's site.
they also call saying they are with the cooper law firm ...there is youtube video of calls same accents same lines of bs..the more ppl know the less they can run this scam
Thanks for all of your hard work and reporting on this website. Everybody needs to know about these scammers so nobody gives them any money. When they do blog like Victor Brown, they can't even write coherent sentences. They are just a bunch of evil low lifes who can't even speak English. They are criminal extortionists who are part of a big crime ring! Once everybody knows about them, their little games are over and they might have to get real jobs.
I just talked to the Secret Service through the number Julie provided. It was most helpful. He confirmed that this is a widespread SCAM, and he told me about the progress of the current ongoing investigation. The agent gave me great advice which I will follow. He said the bottom line is GIVE THEM NO MONEY OR INFORMATION.