They are scammers. They tried this garbage with me and I happen to know the law. First of all its against the law for them to threaten criminal action under the Fair Debt Collection Practices Act. Second of all, they allege that I took out a payday loan, and then said something about a bad check. If they were legit, they would know there's a statute of limitations for prosecution in most states of 2-3 years.
They were all over the map. I had them chasing their tail trying to answer my questions and come clean, so they hung up on me, and now won't answer the phone when I call.
Received the same exact call yesterday. Received another call today from 614-245-5938. Searched the phone number and looks like the caller is leaving the same type of message
I think they are using 216-438-2304 as well. Received similar voicemails from 513-443-5366, and 419-520-9623 a couple of weeks ago. I did talk to a Chris Stein at this number. He said it was a courtesy call about them pressing criminal charges for an alledged bad check for a payday loan. They seem to have old outdated information and are very convincing. I almost fell for it, until I realized that I know I haven't had any outstanding payday loans or bounced any checks, and that I have no record of receiving calls on this before now. I am livid that they are trying to scam people.