This is a fraudulent payday loan company. The customer service reps work off their personal cell phones. They text and call during illegal calling hours example 4am. They receive your phone# off their spam list which you've never applied for and start texting you for a loan harassing and evening using scare tactics. They are foreigners that don't know English. Report these fools to the federal commissions and place your number on the Do Not Call List asap!