USA CREDIT COUNCIL NCP PAYDAY Telling me I took out a payday loan of $920.00 when I know I didnt. telling me i was gonna be arrested and taken to court. Internet

 I am the victim of fraud.  I have had at least 3 different people, whom are foreign call my house and tell me that I am being sued by payday places for not repaying a loan. I never took out a payday. I was looking at one point of maybe taking one out, but I changed my mind. I have checked my bank account numerous times, and there was never a payday loan taken out of any kind. In fact, there was charges applied to my account which I had recredited back to me because I did not authorize them. I have had a man by the name of Tedrick Moore (usacreditcouncil@gmail.com) from a company called Usa Credit Council email me numerous times, threatening me with legal action. He sent me a PDF file containing a legal affdavit from a court. It reads that I took out a$920.00 payday advance from a company called NCP Payday and when they tried to take it out of my account they couldnt. None of this happened to my account because I have looked. It states that I am having charges for the following brought against me:

Count 1 is Violation of Federal Banking Regulations.

Count 2 is Collateral Check Fraud and

Count 3 is Theft by Deception

I have already contacted the local police and the courthouse where I am from, even talked to the judge's secretary and the circuit clerk as well. She said nothing was on file like this, and I should report it. I have noticed on several sites that people are complaining with companies saying they are affilitated with NCP payday and that they took out payday loans when they did not. This is fraud plain and simple.