This call is a scam. They tell you that you owe money on a loan and that if you don't pay they will begin legal action. The caller is of Indian descent. They tell you that you can pay them and they will take the money out of your account online. Do not give them any information. I tried to get the to give me more details and they just beat around the bush and wouldn't tell me anything. Just kept saying they would take legal action. I hung up on them.