This is a scam.  Supposed to be from a company called Gibson Carter and Associates.  Trying to collect on old and I mean old payday loans.  They call you and say you are going to be charged with Bank Fraud.  Do not fall for this these people  are scam artists.

The guy thinks he is legit . He sounds like a immagrant who is trying to sound so professional. Do not fall for it. You will not go to jail or get in any trouble. This is a scam.

Here is what is happening: a fraudulent call center / fake debt collector is using the name of a legitimate business named "Gibson, Carter and Associates" to call consumers who took out a payday loan, sometimes a long time ago and try to scam the consumer into paying money. The call center / fake debt collector is spoofing the caller ID to make the call appear to come from Gibson, Carter and Associates" when in fact it is not.

The scary part is that the call center / fake debt collector has actual consumer names, SSN's, telephone numbers, addresses and bank account information.

So all of the complaints to State AG's, the FTC, and BBB go against Gibson, Carter & Associates, who did nothing wrong. The fake debt collector probably got Gibson, Carters' employee names and phone numbers from their website.

There are multiple victims here: Gibson, Carter & Associates, whose good name is being sullied; the consumer; and the original lender. All of whom waste time dealing with these fake debt collectors who have somehow managed to obtain consumer data.

Gibson Carter and Associates could in fact be the scammer. It is hard to tell.

This guy called and threatened to file charges against me if I did not send him $1300.00