Company calling and employing scare tactics. They accuse the person of passing bad checks or something related. They claim that charges will be filed and a warrant will be issued ... unless, of course, you pay a certain amount.
This is the second time this scam has been run on me. The first time the call originated from Texas with a man saying he represented a government agency in the state.
I called and reported him to the Texas Attorney General and had a nice talk with a woman who was familiar with this scam. A few years a go I applied for a payday loan online (which I have since paid off). However, through the online process, my information was sent to a number of companies. Many of these companies are scammers. They get access to your information and call you to scare you into paying them. Since your address, SSN and other information was in the payday loan app, they have your correct information.
These people can seem civil and professional. Other times they try to be intimidating or threatening. Either way, they are scamming you and have no power or authority to do anything to you.