This people call me constantly that I owe money to a Dillard's and MO account that say I open 20 years ago, I never had a credit card from this company I even call Dillard Corporate Office they verified that I never had a account with them or open a credit card account. Dillard's Credit Bank call them with my permission to have 3 parties lines conversation they refuse to speak with Dillards Credit Bank, they continue calling to treating to taking me to court etc I contacted consumer complaint hope they help.