The "good luck as this situation unfolds" line and the vanilla-sounding alias names for the reps strongly suggest a South Asian fake debt collector. If you really want to know how they've found you and Gramma and the neighbor's pet ferret, think back to when you or someone related gave away a pile of sensitive data to strangers through an online application form.
To be clear, this is extortion dressed as debt collection. The agents' horrid threats are empty and their conduct is illegal. As early as possible it's critical to determine if your collector is domestic or yet another South Asian faker. The former you can sue into submission; the latter tend to be out of reach.
My notes from October 2011 on payday loan and "hot check" collectors are linked below.
http://800notes.com/forum/ta-429fb24ec2162e3/ ... -numbers-here-2
See also this FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
(former title: ''Who's Calling? That Debt Collector Could Be a Fake'')
The following will be useful if you have a US domestic collector calling, and will in general help you sniff out the frauds:
official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm
CFPB Q&A on debt collection practices
http://www.consumerfinance.gov/askcfpb/search ... bt%20Collection
I too just got a call from 415 952 5630 I called and reported this to the FTC I was informed this was a 'pay day ' loan scam.................several months ago I did look into a pay day loan.................thought I'd share this with everyone
I have been harrassed by a woman name samantha , She have left a nasty message on my phone stating I need to get a lwayer by monday because the cops are comin to my work to get.. And if i didnt call them back wen i got the message then good luck on my life. Yo who are these people .. I need sometype of help i am being harrassed everyday by these people it don't never end.
Received message with a serious threat from this number. I do have the mans name if he's telling the truth. If you receive call from this number report right away. They shouldn't be allowed to have a phone.
This is a criminal extortion scam operating out of India. They are making the calls utilizing VOIP and the names of legitimate firms to make it appear the calls are originating from within the US. There is NO "company" or "debt" and you will NOT be arrested. They are harvesting and/or buying consumers' personal identifying information from unscrupulous websites like the one you may have filled out an application with, and you need to do whatever you can to protect yourself. This includes: Notifying the FTC: https://www.ftccomplaintassistant.gov/, placing fraud alerts with all three credit bureaus, notifying your bank and employer and letting these criminals know you are aware they are attempting to extort money for a non-existent debt and have alerted the authorities.
ABC News released an investigative report on this scam in June. The FTC has indicted one of its ringleaders for criminal fraud: