Legal Question in Credit and Debt Law in California

The short answer to your question is No - unless they have a judgment against you - or you have a cross-collateral agreement between the loan and the bank account - - - or one of several different sets of circumstances.

You really should consult an attorney knowledgable about debt collection and bring all of your loan documents so that (s)he can review the documents and properly advise you.

If the collector is making misrepresentations there might be a violation fo the Fair Debt Collections Practices Act.

Good luck,