Complaint Review: STATE ECONOMIC PROTECT - Hayward California

 They sent me multiple emails saying I have to make a payment of $200 by today so they can put a hold onto my case of a load I supposedly took out (which I never did). On the email they sent they wrote "This is regarding online loan which was borrowed by you. We are recommended to collect all type of loans remaining on your name. Unfortunately we have received a legal case file which is pending in the amount of $1230.00 on your name and on your social security number with all of your personal details clearly listed in the affidavit and your social as a primary suspect in this case file" first when I read this I was auto felt suspicious about it because I didn't take out a loan that big anywhere and how do they have all the right information too, my street address, social security number and my phone number. So I thought to email them back saying what is this about because I never took out any loan, and they emailed me back with all my information they have on me and wrote "This is to notify you that Aj Caaya is currently in default under its obligations to STATE ECONOMIC PROTECT In the amount of $1230.00 as of Aj Caaya Our company name is STATE ECONOMIC PROTECT which stands for the association of original creditor and Settlement Company. STATE ECONOMIC PROTECT is parent payday Loan Company who owes and operates about more than 350 payday loan websites all over the USA. This is all about an internet payday loan which was borrowed by you from one of our sub payday loan company. There are so many payday loan websites like Net Loan USA, Fax Free Cash, Cast Net USA, National Payday, Cash Advance expert, Cash today, and so on. You have logged on to one of the sub payday loan websites and given your identity proofs, Banking information, personal information to borrow loan. I have all the proofs with all of your personal details in the affidavit with me. So before it gets downloaded inside the court house with the legal procedures in your name and on your social security number with hampering your credit ratings Just reply me back whether you want to put a hold on this case file and settle it outside the courthouse with the settlement amount and close it or else you want to take this matter inside the court house with the penalty fees and court house fees and you may end up in a legal mess. We are informing you that this is your final reminder Email and opportunity to make payment. Unless we have your payment for the amount $1230.00 within the next 48 hours, or an acceptable proposal for payments is obtained forthwith, we shall immediately commence legal actions against you. If the matter goes that far, you will also be liable for all attorney fees and court costs .such and actions will also adversely affect your credit ratings. Send Your Payment as Soon as Possible. Because your file is inside the court house our records clearly indicate that this amount due for services rendered and that we are entitled to commence collection procedures should it be necessary. Will additionally assess you legal fees and costs of such legal proceedings. What you want to do with your case file? Whether you want to settle the matter inside the court house with the legal procedures or you want to take care of this matter outside the court house by paying the settlement amount back to the company? IF once your case file gets downloaded inside the court house then you have to pay $3299.00 inside the court house including Court fees, Attorney fees, extra penalty and lots of more. I just want your intention on this case file that do you want to put a hold on this case file or should I process it inside the court house?".

This at first scared me because they have all my right information so they must be true, so I replied back saying I'll pay the 200 and they gave me instructions to go to a Western Union agent in my area and send them the money there. It was even more suspicious after that, because why are they tell me to send money directly to them and not the loan company itself. So I did research on the company (which I should have done in the first place) But then found out there company is a fraud and they sent out the same emails to multiple people saying the same about paying $200 now and settle this outside the court before I get charged even higher fees. So now there still trying to email me and now there just harassing me at this moment but I haven't replied back to them at all because it's still scary that they have all my legal information and my social security number, if I tell them to go F*** off, then I'm thinking what if they use my information to get back at me. So now I'm stuck on what to do next, who should I call or do next so if they do try to use my information then what can I do to stop them and protect myself.