Ace Collections I got an email stating i got a loan for 400 and it went to a Guthrie Federal Credit union in Sayre Pa. I never applied for a loan and that bank account wasn't opened long enough to get any money. I called the bank with all the information and there is no record of any money being deposited at any time. Nationwide

For the last week i have been getting emails from this individual named David Cooper that keeps saying i owe him $400.00 for a loan that i never got or filled out for.  He keeps threatening to send it to an attorney and credit beaurue if i don't pay.  I responded and told him i know its a scam but he continues to send them.  I called the number and he answered and i asked him what date this loan was taken out and he just hung up the phone.  This isn't the first time i got these emails.  I emailed him back and told him i wasn't giving any personal information to him.