I got a call from a company and I called them. They said I owed money from a loan I never took out. They threatend me with having policemen come to my house to arrest me if I didn't pay. I checked my bank statements for the time frame they gave me and there was nothing there. I checked with the phone company for where the area code 408 was and it is in CA. Wondering if this is the same company you heard from. Thanks.