I received a call today on my cell phone from a Middle eastern man, who said he worked for "The law enforcement and investigation department" and that I had taken out a payday loan and had not paid it back, the company had tried to take the money back from my account and were unsuccessful. I tried to explain to him that I had never taken out a payday loan, and he pretty much laughed at me.. He could offer me no specifics regarding this loan, like the amount... And was getting tired of all my questioning.. He finally said he was going to send all this information to my local law enforcement agency.. At that time he hung up on me.. I did a reverse search of this telephone number and it is unlisted.. I informed the socail security office, who instructed me to contact the FBI and The three major credit unions. I contacted them, and they were very helpful. I also notified my credit union, where i have been a member for 19 years.. If anyone else runs across the people REPORT them..