Received an automated collection call, I followed up, and they said it was a last chance collection on a Bank of America Mastercard.  I said I have never had a mastercard period, and would like proof of debt.  the woman was very rude and said I would have to litigate that with a judge and hung up on me.  I have checked my credit report since and have ZERO collections, so not sure who they are trying to either collect on or scam.