I 've had XXXX different so called collection agencies call me stating I owe them for a payday loan, which happens to be the same loan from XXXX XXXX. 
The first set of calls started in XX/XX/XXXX, I started receiving phone calls from Highpoint Asset ( phone number XXXX ) claiming I owe a payday loan from XX/XX/XXXX. They wanted me to verify my personal information over the phone. I refused and asked to be sent a certified letter. I never received a letter, but til today I receive phone calls. They never state who they are or where they are calling from. I called back the number ( above ) to obtain the name of the company calling me. When the gentleman calls me, states hes looking for conformation of my address to send a letter. The female called and stated I had until XXXX to return the call or legal action would be taken. All of this occurred during the month of XXXX, for the entire month. I let them go to voicemail and I also blocked there number. Never once receiving anything via us mail. 
The second to call me was XXXX ( phone number XXXX ). 
They called my work place and let a message. I returned their call. The gentleman stated I had a payday loan from XX/XX/XXXX. I explained to him I paid off my loans and had a receipt. He told me they where a fraud and the loan was not paid. I received via email a document to sign from a XXXX XXXX so the monies could be debited from my account. The document was shaded and could not be printed without choosing a category. So I left it sitting in my email. I goggled the address on the letter which is XXXX XXXX XXXX. # XXXX XXXX XXXX, XXXX XXXXand came up with XXXX XXXX XXXX. Mailbox Rentals, Packages, Shipping. A couple of days later my daughter receives a phone call from a XXXX XXXX. He did not even realize he was talking to a XXXX year old. My daughter called me immediately because he scared her with his questions. Upon getting no response from me they stopped calling. 
The third was XXXX XXXX ( phone number XXXX ) leaving you a message weather you answered or not to call XXXX. Upon returning this call, they also stated owed XXXX XXXX from a loan in XX/XX/XXXX. I explained to the women on the phone I had no idea what she was talking about. She told me I committed fraud with my bank and needed to verify some information. I explained I was n't verifying anything but she could send me a certified letter if you claim you have my information. The woman became angry stating " NO I CA N'T '' and hung up the phone. Behind this they have also called my XXXX year old daughters phone and my niece phone. My niece lives in XXXX. I called the number back explaining that my daughter was a XXXX, please remove her number from call logs. The gentle started reciting numerous numbers. I told him they just called my daughter so remove the last number you called. I than proceeded to ask how did he get her number. The man stated " Your daughter must have recently acquired a number that was in our system for a while ''. I stated back to him your a lair my daughter has had this number for three years and she is a XXXX. He immediately hung up. 
When calling your phone no one leaves a name, title, reason for call. Just you need to return their call. I believe them all to be SCAMS. This is the Holiday season, We need to be mindful. I hope this information helps someone else