I am the step-mother of the " so-called '' debtor. They are claiming my son took out an online payday loan and used a Citibank check as collateral. My son has never had a bank account with Citibank nor has he done an online payday loan. They call my personal cell phone number to get to him. They also call him. We have asked for original documentation of said loan and they will not provide it. 

I was told me she was going to call me everyday until my son settled this loan that he did not take. They have his address listed as somewhere he has never lived. The middle initial is wrong and the year of birth is wrong, but they will not listen to us when we point these things out.