They say they represent a mediation company that represents lenders from payday loans. Close to a decade ago I researched and inquired about payday loans. I never took 1 out, ever. When you call them out saying its a scam they threaten you. I've worked in billing and know collection laws. They keep trying. They call from different numbers. I get 2 to 3 a day. Then they stop for a while then start again. They know just enough info to seem legit