Received a call stating that I owed money for a breach of contract with a payday load from 2013. I had informed them that I did n't have any open accounts at XXXX Bank at the time except for a health savings account which had no transaction history. The woman said that she thought this was fraud and would review with her supervisor -- -a few weeks later I got a call stating that I wold be taken to court if I did not pay and that in their system there were no notes about previous conversations and I needed to pay the balance or go to court. They offered me a settlement amount that I paid. I reviewed all of my bank account statements after and was unable to locate anything they were talking about. They said this loan came from XXXX XXXX XXXX and it was XXXX loans