I was contacted by a BrIan McLean regarding a payday loan he claims I defaulted on thru ACE Cash express. I have also spoken with  a supervisor there by the name of Ron Kissler 716-504-6908 and a Tom. They have called friends and family members claiming to be from a law firm looking for me regarding a legal matter that they need my statement on. I spoke with them and they have threatened to have me arrested for bank fraud. They would only email proof of the debt. I made a payment arrangement with them out of fear. They claim I owe over $1000 to their client. I made arrangements for a payment of $115 to come out approx. 20 days from the date of the call. They took the payment out 3 days later, wouldn't return my calls and claimed they were out of the office when they did finally call back. They claimed it would take 21 days to get the money refunded and it would be past my anticipated payment date so I should just let them go ahead and keep the payment they already collected. I have since cancelled the debit card used, notified my bank and disputed the charge with my bank. I was also contacted by another company a month prior claiming to represent the same ACE Cash Express. I had made a prior payment arrangement with them before being contacted by this firm. The first company did not send written proof of the debt either. I have checked my credit and none of these show up as collections on my credit report. I have been trying to clean up old collections on my credit to raise my score.