I have been contacted several times by a collection agency claiming to be collo citing for a payday loan from several years past. I was threatened with wage garnishment, being sued and continued, more aggressive means of collection if I did not pay the debt right away. I naively mad XXXX apartment arrangement and provided by banking information. After, I felt unsure of my decision and consulted the alleged original creditor, of which there could have been XXXX possibilities, the " collection agency '' would not identify who it was. XXXX account had been placed with a collection agency, but not the agency contacting me, and the other possible creditor had no record for me any longer. I spoke with the correct collection agency and they no longer had an outstanding account for me, it had already been cleared. I immediately went to my bank and closed the account I made the payment arrangement with. Now, that company is calling repeatedly, both my personal telephone and at my place of employment, harassing me that I will be taken to court if I do n't pay. These tactics are not used by legitimate collection companies, and these people wo n't stop, it seems. I have informed them I will not do business with them unless they provide proof of debt ( which they refuse ) and they have been informed they are not allowed to call me at my place of employment. Yet, they continue.