For over 2 months I've received numerous calls from a company stating that Bank fraud charges were being filed against me for non payment of a Payday loan after a payment was supposedly denied by my bank. l had no record of an unpaid loan believing I had paid off any loans. I've never been contacted by the lender and was refused the lenders name or acct. number. I was given the name of the referral company. I was contacted by the local police regarding a complaint being filed against me and was told to contact the company to settle the matter or I could be arrested. I paid them by credit card but still don't know direct lenders name. I was told I would get all the information after 45 days. None of this makes sense what if any options do I a have.