Being threatened with a civil action for services i didnt use or need

These people need to leave my bank account alone.

Now seriously!!!!!!!!

First it was Choice loan whatever who said I owed them money. I thought to myself maybe ... you know whatever paid them

They contacted me in August choice Loan to say that I wasn't paying their account. Which I settled.

True as earth... Loan Tracker say I opened an account with them in August .... like what the ****... do they honestly think I'm dumb enough to make the same mistake twice.

and they hand me over to the same attorney Lifestyle Attorneys.

When I call them to try and find out what's going on ...no answer

But they want to commence with civil action against me.

To me this sounds like to same company just different names