I got call 10/30/2013 @ 11:00AM EST. I called back it's Alliance Data. I'm not sure why they're calling as it's a new phone number. I think it's a wrong number. However, I called after hours and not sure which department to talk to.
Alliance Data
4400 Eastern Common Square
Columbus Ohio 43219
They claim to be a collection agency for credit card companies. They are a scam..don't give any personal info..and help by spreading the word.
The phone number is a REAL number for a REAL bank. It's the phone number for the credit problem division of Comenity Capital Bank (see other number and contact info below), who handles my MY POINTS VISA card. It's the number that showed on caller ID when they called me to let me know they resolved a dispute for me when a company charged my credit card w/o my consent. THEY WERE VERY HELPFUL in resolving my problem with LogMeIn.com who was auto-charging my credit card w/o my permission.
However, it may also be the same department that calls people regarding past due notices, so if you have past due bills they might legitimately be calling you. Or, if you have a new phone number and your new number use to belong to someone who was not paying their bills, of course it may seem like they are wrongfully harassing you, but I'm sure if you take the time to speak with them calmly and nicely about the fact that you are the NEW user of the phone number they will stop the calls. Just hanging up on them, yelling at them, or ignoring them will not work. I know this from past problems of this kind with a different collection agency that called me thinking I was someone else.
And, it's extremely important to note that it is now possible for scammers to make it look like they're calling from a legit number. Yes, scammers can in fact manipulate the caller ID system to make it look like they're calling from a different number that they are actually calling from. For example, they can be calling from a bar in Zimabwe but make it look like they're calling from Comenity Bank, or they can even make it look like they're calling from your local police department. So you must be careful. If you're not sure they are who they say they are, and to be sure they are who they say they are, you should call the number back and/or call your bank or card issuer and ask if someone is supposed to be calling you.
Comenity has an A+ rating with the BBB as of today.
Taken from BBB website:
A BBB Accredited Business since 7/21/2009. BBB has determined that Comenity Bank meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
Comenity Capital Bank
PO BOX 182025, Columbus, OH 43218
Phone: (800) 675-5685
http://www.comenity.net