FNBC ( XXXX ) has called me at work and on my cell phone XXXX times back to back in XXXX day telling me I owe XXXX. I asked for a validation letter and the lady told me " I do n't need to do that, you know what you owe and you are a piece of XXXX for not paying it back. I will come to your house and scare the XXXX out of your kids and let them think I am killing you until you pay this back. '' She would not give me her name. I hung up after the threat and that 's when they started calling my job over and over.