I first took out a loan with them (USFASTCASH) in August 2012 I believe, I took out the loan and paid it off. I then a few weeks later again got into a financial bind and I took out another loan with them but I was unable to pay them back and they debited my account with no money in there because of having to pay bills and they continued to do so until my bank closed the account due to being overdrawn around $300 dollars. Fast Forward to about 2 weeks ago. I got a call from an Arbitrator Cruz who said she she was going to take out criminal charges on me for Bad Checks and for Intent to Defraud a financial institution and it scared me and I told her I didn't have any money to pay her back because of financial problem for me and my family. I asked her what was the name of her company exactly, she said that she was calling because I had a payday loan with USFASTCASH and she said I would see her company name when I got papers served on me from the sheriff. She threatened both civil charges and Criminal Felony Charges ( Bad Checks and Intent to defraud a financial institution). I then got some advice on this from a lawyer as I feared going to jail and I learned that this couldnt be an Arbitrator, but a debt collector and that they violated the Fair Debt Collection Practices Act. So I called them back and got a voicemail and left several messages saying basically that were in violation of the Fair Debt Collection Practices Act and to please verify the debt by sending it to my address on their paperwork and I told them I handle all things by mail and not over the phone. Then today, 4/2/14 I got another call by another Arbitrator( (Davis) who said we had spoke about this before and was I going to settle the case and I said they had violated the FDCPA again when they told me they were going to pursue me on Criminal charges and she said she didn't care she was going to file the charges and that it was a Criminal Matter for bad checks. I asked her how that was because I didn't write any bad checks and she said yes I did the electronic checks. She said I will see you in court and told me to get off her phone cause she didn't care if it was a violation of FDCPA that she was not a collector. I still told her it was a violation and to not contact the phone again and to only contact me by mail. She said get off her phone and again she will see me in court. She also called my mother's phone and when she told them not to call her anymore that she doesn't see me often, they said I am just trying to keep your DAMN son out of jail and then hung up. These people need to be prosecuted