they claim that I took out a payday loan on line and I dont rememer do such a thing from 2011 if i dont pay they will prosecute for bank fraud anybody know anything

Go to 800 notes main page & read all about it. You'll find your situation is not new, or unique. It is a very well known scam. If you had a debt, a real one, you would be getting letters in the mail by US Post. Remember your rights. Ask for proof of debt to be sent to you by mail. Not fax, text, email, or phone call. US Mail. Do not give them your address. A real debt collector knows where you live. If they swear at you, or refuse to send you proof of debt, you are probably being called by foreign 3rd world criminals (faking their caller ID) trying to extort money on a debt you do not owe. Remember (or look up) your rights & don't panic (that's what they want).

called me with ta message stated that she was investigator Robin Wright and that she was working on a case being downloaded in my county today that has my name and SS# attached to it. however it sounded like it had been prerecorded

Yes, A major scam. A real collector would have all of your information and be willing to deal with you in pretty much whatever way is comfortable for you to resolve the situation. These leeches try to prey on people.

It's a scam. Dip not fall for it. What they doing is illegal. If you think it's real ask for them to send paperwork to prove its real. They won't I promise. By law if they are real They have to send documents to back up what they are saying