National Credit Services LLC Richard Andrews unpaid payday loan, fraud (bank and check) unknown Internet

I received a threatening, lengthy, and very misspelled email from Richard Andrews at National Credit Services LLC stating that I owe $1,025 for an unpaid payday loan...I did not take any loan nor do I neglect to pay any of my bills if I owe them.  He threatened my with arrest and the FBI to 'confiscate all properties" owned by me.  He also stated that he has "all proofs of my identity" and will use the information to take money out of my bank account.  He even put a Smiley Face next to my social security, bank account routing and bank account numbers.  I had to close all my accounts and put security questions on the new accounts and cards...hopefully, he cannot find out any of the answers to the questions.  This company took money electronically out of my two banks for the past two months and caused my checks to bounce and a lot of service charges too.  Don't hesitate, people, if this 'company' emails you, check it out and close the account and open another!