Alot of static on the line. Foreign accent. lol, I made him repeat everything a bunch of times. Said he was Visa and Mastercard Member Services. Pretended like he was with the company we are with. As we only deal with out local bank and I know who they are by name he wasn't going to get anywhere. He barely poke English, but I was happy to waste his time. (He thought I was "slow") Caller ID said "florida"