Several points, Carol:
- You did not mention debt collection, but that's the most likely game here.
- Threats of police or legal action by collectors are Federal crimes.
- Such threats are often used when there is no proof of claim.
- Before discussion the caller did not bother verifying that the "correct" party answered, another violation .... not that a correct debtor could be assumed.
- The caller doesn't care where you live, only that you melt into a panic and warm up a credit card or wire transfer.
- The Caller ID could be easily spoofed as well.
What's not apparent is whether you have a stateside debt collector or one of those hateful overseas payday loan crooks. The latter would be much harder for you to take to court for this vile interruption of your day. Read the laws I'm about to promote anyway, so you know where you stand.
If you are receiving repeated, misdirected, and/or abusive calls from a third party debt collector, you may find relief in the provisions of the FDCPA, the Federal law which regulates collector behavior. Learn your rights at FTC-dot-gov. See also your state laws for additional support.
For more dope on the payday thugs, see discussions for these numbers: 704-200-9909, 559-823-5337, 813-441-0108, 443-451-3816