Caller id said Talbots. I picked up, and a woman said she was calling from Talbots and that my payment was late - that it was just over 30 days. I asked her to wait while I looked up the date of my payment, and she did. She said the payment hadn't gotten to the lockbox yet, but I said it was electronically made. She said that because it hadn't gone through yet, I was late and then she asked me if I wanted to make a payment over the phone. I said no, that I had already made a payment, and she quickly said all right. Thank you.