This is a criminal extortion scam operating out of India. They are making the calls utilizing VOIP and the names of legitimate firms to make it appear the calls are originating from within the US. There is NO "company" or "debt" and you will NOT be arrested. They are harvesting and/or buying consumers' personal identifying information from unscrupulous websites like the one you may have filled out an application with, and you need to do whatever you can to protect yourself. This includes: Notifying the FTC: https://www.ftccomplaintassistant.gov/, placing fraud alerts with all three credit bureaus, notifying your bank and employer and letting these criminals know you are aware they are attempting to extort money for a non-existent debt and have alerted the authorities.

ABC News released an investigative report on this scam in June. The FTC has indicted one of its ringleaders for criminal fraud:

http://abcnews.go.com/Blotter/phantom-debt-co ... 16512428&page=1

After calling the offending number back over and over and threatening them with legal action, I finally cajoled them into giving me the name and mailing address of the company. It's First Credit Online, located in NJ. Here's the website: http://web1.firstcreditonline.com/main.asp?page=ContactUs 

They advertise as a collection agency for gyms. You can reach their home office at 1-800-606-7066 Ext. 2019.

I called after business hours, but I plan to call repeatedly tomorrow during the day. It's not how I planned on spending my day off, but I bet you anything they'll be more responsive to a threat to call the AG's office then the Indian call center was.

Here's a resource on your rights as someone who's getting harassed by a debt collection agency: http://www.consumer.ftc.gov/articles/0149-debt-collection

I'll answer next time and be talking about u momma...

THEY CALLED ME 8 TIMES, IN ABOUT 5 MINUTES. I AM AT WORK. MY PHONE IS GOING OFF IN FRONT OF THE DR I WORK FOR MAKING ME LOOK VERY UNPROFFESSIONAL. LEAVE ME THE [***] ALONE

First Credit Services, they do not honor cease and desist or validate any debt. File a complaint with your AG and FTC