Complaint Review: Spot Loan

I received calls from what was flagged as spam on my phone. Sometimes it happens to my doctor's office, so I called the number back, as it was a 405 area code.

The person who answered said that they were at an attorneys office, and I was called by a legal assistant, in regards to a loan from Spot Loan. The person had a bunch of my personal information, including the last 4 of my social, an address that I haven't lived at in over 7 years, etc...

They said they were going to be serving me paperwork and filing charges for theft of services, and loan fraud for an amount of approximately $700.00.

I didn't know what they were referring to, and advised them as much. She said something about a bank account that I used to have, which was closed due to identity theft, by a prior roommate. 

This roommate also attempted, to take out credit cards in my name from Macy's and Nordstrom's, as well as get a phone through T-Mobile. I received a bunch of credit denial letters, which had alerted me to this, and was reported to the credit bureaus at the time. I also closed that bank account as I was getting fraudulent charges on it. 

I didn't continue the discussion, due to the fact that the time frame she said this loan was taken out, was during the time I was dealing with the identity theft. And when I explained this, she brought up the account I had closed due to this, as if it proved I took out a loan I did not. So I advised her, I would not be discussing the matter further, and hung up.

Apparently, from my small amount of research, this is an online loan company. Everything is done through a computer, and they do not verify who the person is, applying for the loan. 

All the identity theft applications, were applied for online, in the last month or two that I lived at the address she brought up. It seems pretty scammy, that I have never seen this on my credit report, or heard of this company until today. But that she brought up it was applied for, during a time where I was experiencing identity theft, which was reported to the credit bureaus.

Not sure if anyone else, has dealt with this specific issue, with this company. But I wanted to file a report just in case.