I have received this as well on Monday and called back today. The guy told me his name was Michael Williams and then I asked him later on what his name was again and he said Nelson. But Michael is a colleague, etc. He said he was doing a curtsey to me to let me know this was happening. They aren't looking to get the $843 back but to make an example of me, etc. He said I will be subpoenaed and served tomorrow apparently. I have contacted FTC and the one loan I have stated this is fraudulent and don't worry about it. I searched my state cases to see if there was anything on me and there is not. Very scary regardless but I hope this stops.