Did you get a debt validation letter from the caller? Doesn't matter what the callers say - unless they MAIL proof that you do owe a debt and that they have the legal right to collect said debt, they are owed NOTHING, per the FDCPA. I'm concerned you may have actually paid scammers. Do NOT pay any more money, since they have refused to mail this documentation to you.
Report the caller to the FTC, FBI, Dept of Justice and your state's Attorney General. If you remember the original pay day loan lender (or have the paperwork) you may want to call them and see what the status of your account is - if it is listed as paid, or if they sold it to a collections agency (and if so, which collection agency).
A woman from "CheckSystems" left message on my home number that she's filed a dispute with my name and Social Security Number related to money coming out of my bank account.
Minutes later I received an email from Hydra Fund that an account went to collections. This may be related to a really old payday loan.
If you REALLY owe this money you can do one of two things (1) Pay it (2) Check your State for Statute of limitations. In some States if a debt has gone past the SoL, it is illegal to try and collect it. Very easy to check online for this information. Just do a search for "statute of limitations, your state name goes here". I want to point out this is for REAL debt, not foreign criminals calling trying to extort money.
A man called and told me that he represented a company (forgot the name) which was handling litigation for attorneys who were filing 2 counts of malicious fraud against me--according to him, an online payday loan company who claimed that I had taken out a loan with Loan, Inc. and closed my banking account before they could recover the funds from it. When I stated that I had NEVER taken out an online payday loan, period, he switched to talking about a closed banking account. I told him that I had an account had been closed by the bank because it had been hacked awhile ago but there were no outstanding checks against it--he then switched emphasis again. He reiterated in detail how much money I would owe if a judge found me guilty of these charges and that he was trying to help me avoid this outcome. He also said that if I was the victim of identify theft I would still be prosecuted for these charges. I finally said that I would take my chances because neither of those charges applied to me. I believe that he got my social security number and banking information from an online payday loan application that I completed online but then changed my mind and did not pursue any further because of identity theft concerns.
My husband got a phone call from this number, the guys name was Rowan Sheperd. Said he had received funds from a payday loan 2 years ago and it was never paid back. We don't even do payday loans. Rowan said they were filing fraud charges on my hubby and they were sending the paper work to our local da's office tomorrow. Definitely a scam, I called da's office myself, they do not even handle payday loans there. She said do not give out any info over phone to these people!!!
They are using different tactics now-----they are scammers and dont-----I REPEAT....do not call them back. It is a bunch of bs. just block/reject or ignore the calls as i do. #losers