Today i recieved an email that was labeled FINAL WARNING. In this email it had my SSN and my address. The Email claimed that I owed $1230.00 for a loan that was in defalt. I knew it was fishy because I have been denied of all loans i have applied for. They also claim that they had Banking information but the one bank account i had has been closed for some time now. I have never recieved an email from these people before about being approved or that i owed anything previous to this email. Scary thing is that seem legit because they have your SSN.