Received a couple calls from XXXX " Kirkland asset management '' stating that I defaulted on a payday loan through XXXX web loan. And if I dint call to resolve it they would seek other action. When you call the number they just answer " hello '' not a professional business type of greeting I would think you would get. After I told them I believed it was a scam they got rude with me a sent a letter " verifying '' my debt to my email when I said I had the right to receieve proof of debt owed. But when I called XXXX web loan they said it had been sold off to XXXX XXXX XXXX who when I called answered the same way hello and when I asked questions they were stumbling to give me a response. I do n't believe I have ever even taken a loan from them. I may have attempted to get a loan from XXXX web loan but when I was either denied or not offered the amount I needed I did n't follow through with the final stages of it