World Financial National Bank is the front for Gander Mountain credit cards, and numerous other stores, I'm sure. First, I started receiving phone calls from an unavailable number. Sometimes there was a live person, other times it was a recording of a British accent saying 'This is not a sales call. Please stay on the line for an important message', still other times there was dead silence. When I got the live person, she asked for my husband and when I said he wasn't available, she hung up. This happened almost a dozen times in one day. The next day, I missed a call from 614-729-6083. I called it back this morning and was put on hold, then a real person came on and asked for my acct number. I told him I didn't have one and didn't even know who I was calling. He stated it was World Financial National Bank and that it was regarding my Gander Mountain credit card. (Which my husband forgot to pay)They obviously use scare tactics, which is silly considering this is the first time we've ever been late and it was only late by a few days... Anyways, this is legit...not a scam, although their business practices are questionable.