254-237-1195

I was contacted by an individual at this number stating I defaulted on a payday loan using my PNC Bank account in 2013 and I have until the end of business to call them and give a statement of my intentions or I will be served with legal papers in my county tomorrow for bank fraud, check fraud, etc. They will only email proof of the debt. They will not mail me a copy of the proof of debt.

>> They will not mail me a copy of the proof of debt.  <<

That is a very large red flag, suggesting they really do not have a "legal" right to that debt.

The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:

* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.   ["Written" means snailmailed ... not emailed or texted]

Source:
https://www.consumer.ftc.gov/articles/0149-debt-collection

IF you wish to communicate with the supposed collector / creditor, visit  the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/

If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

They would email a letter but refuse to snail mail a hard copy letter. They state it is for an IBC offense? I don't think this is a valid debt

Can they actually do anything to you?  They keep calling me, and I have no idea what they're talking about.  Has anyone ever just ignored them?  If so, what happened?

calling from Mexia, TX.  Told the same things as the other posts here, but according to other websites it is a scam?

they wont leave me alone please help

Same as others.  Left me a voicemail about a supposed debt and a service by end of day.  They don't have my address or my correct name.  So I am assuming it is all fraud.  Because I have been a victim of identity theft I do tend to talk to these people, only to discover the debt is usually not actually mine, or they are attempting to collect information that they don't need/have.

There has been two people calling
the man says that his name is Jack Davis with the CSA. I have no idea what that is or what it stands for. He was very rude on the phone. He didn't have any luck now someone
named Rebecca is calling with threats
of legal action. I don't believe they are
legit!!! Nothing in the mail all phone
threats. What can I do??? They claim to represent VIP loan online. I looked them up and found they they are not licensed
and they do get into your account
with scam type transaction.