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What to do if a payday company says that they made a loan of $500 to my account about 2 years ago but I looked back at my bank records and no such deposit exists?

Question Details: I have no record of borrowing from a payday loan company during this time. They had some basic information on myself, which they can obtain anywhere nowadays. I looked up their phone number, which points out this number has been used in a scam. They said that they will send me to criminal court. Can this be tru, or should I take this seriously?

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