Reward660 Visa Dakota Bank Says I received a credit a card from this company which I never did and now I'm being sued for $452.21. or they're taking me to court. Sparks Nv

I received a letter today stating I owe Rewards660 Visa Dakota Bank $432.21. I have never app;ied for a credit card from this company and never received a card from this The people on the phone don't even sound human. They hung up on me stating I wasn't calling from myhome phone. I was callling from cell phone. They are now threatenig to take me to court. Plus now this shows on my credit report. This is Bs.

How can a company I've never applied to or never had a card with have all my name and address and be sueing me for something I've never had???????? This is bogus and this company needs to be shut down period!!!!!!!!! Why doesn't the better business bureau look into this? Why doesn't someone stop this BS? Please can anyone help me. Im NOT sending these people any money. They have offered to set up a payment plan for me, Nope, I don't have a card , never did, never applied, not going to get any  money from me , sue, me get a judgement. I'll go to court with a lawyer...............