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said I had anunpaid payday loan from 2011 had all my personal information im now getting about 6 to 8 calls a day at home and on my cell called my bank to get copies of my bank statements from 2011 is not on my statements because I did not take out a payday loan on the internet

Just got a call from Katie stating that she is representing Vista Holding and I owe 760.00 from a loan I took out November 2nd, 2012 but she doesn't know how much the original loan was for; had wrong info regarding my employment,  the times I got my pay checks and also my checking account number  didn't match.  I kept telling her that I never took a loan out on November 2, 2012 but she insisted that I tell her how I am willing to make payments - told her NO WAY as long as long as I don't owe anyone from that date.  She told me I was unable to prove to her with fax copies of my banking statements as the proof was in my corner and banking statements wouldn't work - SAY WHAT?!?!?!

How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.

The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.

The debt collector refuses to give you a mailing address or phone number.

The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.

Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.

Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.

Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/

They told me I had a payday loan out there from 2012 that needs to be paid. I told them I didn't take one out.The person told me usually.if you don't remember taking a loan out a person close to you like a spouse or friend is the one that takes them out .Because they would have all your info. They even called my work and had my info.also my cell number.

Scam.  Ignore and block their calls.

Has called over 32 times despite the fact that I expressed I have not done business with them

Got a call saying I owe a loan amount from vpn capital from 2011 and I need to set up a payment plan . I asked them certain question and to fax certain things and they acted if they could not do that. I told them if I owed someone from that long ago I think they would have found me and collected on . Asking me to setup a payment plan. I WILL NOT . Also saying if you don't a warrant will be issued for you arrest . I reply you do want you have to. I work to hard to give away money .

You can NOT be arrested even if you did owe money.  That is an ILLEGAL threat!!

Demand a written documentation that is MAILED to you.  Otherwise - ignore!!