Leaves messages on my machine, stating it was a time sensitive call. Then when I returned the call, stated that I had taken out a payday loan in Nov. 2006 from the United States National Bank and that I owed over 5,000 but if I pay them 927.00 right then we could settle out of court. They threaten to send police to my job and that I would lose my job. I knew this was untrue. I had done no such thing.