Callier ID is "Comenity" but 411.com says it is a cell phone in Boston.  Caller was slick lady on a repeater, probably to cut off any boiler-room chatter in the background.  Caller stated that my wife was behind in a payment to Draper & Damon, a popular retailer that sells nationally (internationally?) by catalog.  They wanted $25 as the minimum payment to bring the account current.  She wanted bank numbers or debit card numbers.  I asked "Credit card?" she said "No, you can't use a credit card to pay a credit card."

BIG RED FLAGS:
1)  Phone number did not cross over to a listed number, or even a land line.
2)  Stores don't go to banks for collection for an over-30-days minimum-payment situation.
3)  Caller asked for payment methods with little or no fraud protection and unlimited potential for cash.
4)  Reason for refusal to take credit card was bogus, Draper & Damon isn't a credit card, neither is Comenity (at least we don't have a Comenity credit card).

This all convinced me that this is an identity theft fraud.