Got this call on my desk phone at around 8:50 am central on 9/30 and it was a recording saying legal action was about to be taken and that my reference number was JLZ25705. Pressed one to get to a real live criminal who said I had taken out a payday loan back in 2016 from “cash made USA”. Said I owed 1,028 dollars and that I could reach a settlement for 560. Also they don’t know what company they work for. Happy hunting.