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I took out a payday loan in 2010 for the amount of $400.00. I lost my job about 6 months after I took out the loan. I talked to the company and the lady refused to work with the issue, so I couldn't pay it back. In May of 2012 I start receiving phone calls about filing criminal charges of bank fraud because the account used had closed due to the overdraft of the account with the payday loan. It is December and i received more calls about serving paper to my place of employment for criminal charges. I asked for verification of the debt and they couldn't present any. They wanted me to pay first. Then I asked for the name of the company and the only gave me the acronym which is BCM. They refused to give me the actual company name. How can I go about getting the name. They always call private