When this call comes in, it says to stay on the line for urgent information about your account. It reassures you there is nothing wrong with your account, then begins to pitch you an interest rate. No mention is made as to just what acct they are calling about. It could be your bank acct, your credit card acct, or you acct at the local candy store. Once someone answers, the immediately go into hammering you with questions about name and such. If you stray at all from their questions, like say to ask them what financial institution they are calling from, they will immediately hang up on you.