They called me and said that they were a bank And that I/O them money. They said that they have been trying to serve me papers at my address. The scary thing is they did have my Social Security number. When I told him I’ve never ever been sent to collections and ask more questions, they started getting shorter and she was agitated. They said they had to do something with HSBC bank and capital one. I have yet to get any papers or any communication and it’s been over two weeks.