Complaint Review: Law Investigation Department - Internet

I received a call today while at work from a peculiar number, I answered the phone but had no idea what I was going to hear on the other end.  Now I do have 2 outstanding payday loans, but I have made arrangements w/the companies to pay the monies back.  The caller on the other end informed me that he was from the Law & Investigation Department w/Cash Advances, and if I had a pen and paper available to write down a case number to reference. I did what he asked until he became unnecessarily rude.

He verified some of my information, my current address, the last 4 of my social, but you will have that information as a 3rd party if I applied for payday loans online, well at least the last 4 of my social security number. Here is where he made his mistake, he told me that I took out loans in 2009.  I had not taken out a loan since 2006 until recently this yr and that was almost a month ago and like I said I made arrangements with the company to pay off the loans. So he became abrasive when I broke down what he was saying to me.  He then became irate and said that I was a dishonest person and that I committed fraud, I said really how is that, I am going to need some information, he then says he is going to send an officer to my place of employment and have them inform my manager that I am a dishonest person. 

I said ok, well let me get some information from you before we proceed w/this telephone call.  He told me his name was John Black (which sounds like a crock of bs if you ask me), I then proceeded to ask for his phone number (214) 461-0542, the name of the company he is saying that I extorted and defrauded he says USACASH, I said really you are saying that I borrowed money in 2009 from the above named company and did not pay it back.  I plainly told him to send his investigator to my job that I am calling his bluff, because I had not taken out any loans at that time, I did not even have a regular banking account to put the funds into, I owned a debit account at that time only and had this particular account since 2006 because of the last payday loans I took out. 

Long story short I basically caught him in a lie and told him I was going to report his company as he was phising and trying to ruin people's lives with this crap he is spewing and that I would report him and his weird telephone number to the police as this is insane, what if I had of believed him and gave out my information, they would have cleaned out my bank account and I would be left helpless.

Wow, this is really an eye-opener as I would never imagine this type of thing happening to me.  I am just happy I was able to listen to that little voice telling me not to believe the hype.  These companies are not going to send anyone to your job, they are going to go to court and file papers to get their money if they can not work anything out with you, simple as that. They are a crock of crap and I hope to goodness that someone catches them and puts a stop to this once and for all.