I was sent an email a few months ago claiming the same thing, that I owed 500 to a bank into which it was deposited and they had the last four digits of my social security number and so called 16 pieces of evidence to prove it. I had 48 hours to answer or I would be going to court in a few days, I never had any money from a looan company deposited into my account. If I did borrow money it would be in person and I would receive the cash upfront. They won't give me the name of the company or phone number so I can call them myself. The phone number they provided just says that person is not available.