Yes! I think you've got it. I made the mistake of picking up, seeing it was from my area code. They hung up when I answered. Called the number back. They had my name, said they were collecting a debt. Wanted my address. Hard to hear dude. I hung up & blocked #.
I think they test #s for creditors. Clever. Anybody else owe Comenity??
They told me they were a collection agency, and asked for someone who is not at my number. They said they would take my wrong number off their call list, but of course they did not.