ARA Associates Fox Enterprises Payday Loan Scam Internet

I was contacted from an unknown number but instructed to call 877-590-8204 by a Charlotte Bowers who indicated that I was being charged with two counts of fraud regarding a payday loan from 2011 (Fox Enterprises), stated I requested the payday loan via internet and gave them an account number on an inactive account drawn on a bank that I've never had an account with.  I explained that I've never had an account with that particular bank, nor was I familiar with the company filing the charges, additionally I was told that the company did not want to file charges if I paid the amount indicated.  I was told that I owed $590.00 and needed to pay today (10/22/15).  I was also told that if I could not pay in full today that I would need to make payment arrangements to pay a 30% deposit of total loan amount ($177.00) and pay remaining balance by 10/30/15.  I was also told that if I did not make payment, charges would be filed with the courts in my county.  I requested documentation as well as a copy of the signature on the loan document, of course they did not have that information.  I researched ARA as well as Fox Enterprises and to my surprise, ARA has been cited with multiple scam complaints and the number that I was instructed to call is registered to an unrelated company, Bright Clean located in Harker Heights, TX (not surprised).  Fox Enterprises has not listing and cannot be located.  CONSUMERS BEWARE.