i have also recently been contacted by RG Financial starting last week. told the same thing, I had a pay day loan in 2010 that I never paid. I had one loan in 2010, which was paid in full, I went back through my records and found the email stating I made my last payment. They are very convincing- they have just enough information to fool you. I worked in banking for over 10 years and consider myself pretty up on these scams..and I have to admit, they fooled me at first. They called my home number, left a ominous message about a pending civil case, then called my cell phone. I called them back and got a 'Sarah Hall', who said I owed $815.00 dollars and if I made a payment and a payment arrangement, they would not file suit. I initially made a payment of $50.00 and set up payments. Then after I started doing some research, I realized this is a scam. I called back and when I started asking more questions, what is the company, when I did take it out, how much was it for and that I wanted documentation- she got very rude. I was told that the company was "sagamore" and that they do payday loans through many names. They would not provide any other info and told me they dont' have to, they are not a debt collection agency- the are a 'pre litigation' company. I had spoken to an attorney, who said there is no such thing- they ALL have to follow the fair debt collections act. I told her I am revoking my payments and she said she couldn't do that, I'd have to 'talk to the judge', I said I will. I called and closed my bank card immediately. A Few days later, she called me back to let me know she had sent paperwork over to my HR department and named the girls name there. I confirmed with them, they DID send an employment verification to them. I am ignoring it. A few of the calls came through also looking like a local number. totally fake.
