They stated that my wife had a pay day loan from Cashnetusa, which I am sure not. Because my wife cannot work legally in USA. She cannot open any account with her current situation, non-immigration H4 Visa holder.

Claims to be a credit company, threatens legal action. This is a scam left a message for my sister saying they are about to sue over a bank account, she called the bank and was informed that the police are trying to track the guy/company down for the scam.