I received a call from Regional Credit Solutions on XXXX XXXX, XXXX. They told me I have to pay {$200.00} or I will be arrested for fraud and theft by deception for a payday loan I supposedly took out in XXXX. I did not have a job in XXXX so therefore I did not apply for any loans. This company says the payday loan was with XXXX XXXX. I told them I want to dispute it and they said I will still be arrested and placed in jail. I have never heard of either of these XXXX companies. I investigated this company and it turns out this has happened to many people before me. I filed a complaint with my Sheriff 's office, the FTC, and my Attorney General. RCS even told me I will be summoned and arrested at my work place. I had a complete meltdown at my workplace after getting this call. Two years ago I was XXXX, and this made it worse. Now I am afraid to even step out my door in fear that I will never see my kids again. On top of that, they never said the usual " This is an attempt to collect a debt and any information will be used for that purpose ; '' they never sent me any mail ; they said I could dispute but I would be arrested. I researched the laws a legit debt collector has to follow and this company has violated them.