Complaint Review: API Recovery Solutions

Closed my account and had not paid. He claimed that because I had hung up on his associate. He was going to press federal charges against me for internet fraud and bank fraud. I told him I've never had any pay day loan with arrow one lending. That's why I hung up on his associate. He told me that he had an affidavit from the bank. As well as a video of me at the ATM. Fifteen minutes after he deposited money in my account. He said I could give him my credit or debt card to pay or he would have me arrested. I told him I don't have either one and wanted proof of this debt. He told me he told me what proof he had. And I could go to any store get a prepaid card and call him back with the number or he would see me in court. I told him see ya in court and hung up. I called my bank went through my accounts with them. They couldn't find where there has ever been any contact or transactions for said pay day loan company's. 

I received a phone call from a man . On August 1, 2016. He said he was from API Recovery Solutions. He was angry because I had just hung up on his associate. He claimed I had a payday loan with arrow one lending that I had taken out two years ago. Closed the account and never paid. So he was going to have me arrested for internet fraud and bank fraud. I asked him for proof of debt. He told me he had my bank account number. Had an affidavit from my credit union that it was my account and even had a video of me taking money out of the ATM fifteen minutes after money was deposited into my account. As well as having my cancelled check. I informed him one I've never had checks. So I knew he was lying about that. And two I was going to call my bank as well as the police because I was pretty sure he was a scam. He told me he had already laid out the proof against me and if I didn't want to go to jail. I had better py the $499.18 I owed. He said the only way to do that was to pay with a debt or credit card. If I didn't have one I could go to any store to get one. I told him no. That's not how legitimate collection company's work. They have more payment options than that. He told me that he would press charges then immediately and see me in court. I told him see ya in court. After hanging up he sent me and email. Again demanding payment. The weird part is his associate called from (360)339-5633 The man David Parks is the name he gave called from 1-877-921-5818. But on the email letter he sent he is from API Recovery Solutions and it's number is 1-844-820-5020. Anyway I checked with the credit union and the police this man and company are a complete scam that's why I'm sharing my story. He had a lot of information but nothing accurate enough to even come close to being anything but a scam. I knew from the call with his associate he was a scam. I have life lock. And I check my credit report regularly. I was the victim of identity theft. And I refuse to be a victim again. I hate scam artists.