Was Applied Bank, and a person, clearly overseas, answered.  When I called back a woman answered...
Bottom line, debt collection.

Leaves message saying to call 866-998-8520 and states they are Applied Bank. Started receiving messages several times a day.

They are the scum of the earth.  They will call several times a day even if you answer and tell them they have the wrong number.  There should be a law against their harrassment.

It's Applied Bank. Pay the balance off if you can and request to have the account closed at your request. Applied Bank is nothing more then a legal loan shark hiding as credit card company...