They just called me twice, 30 minutes apart. I don't answer calls from anyone I don't know. I'm also on the "Do-Not-Call" list, but that's apparently a scam, too.
Just received an automated call to discuss lowering my interest rate on a credit card, for which I had to lřss one. There was a plethora of background noise.
I asked repeatedly what company it was about, but he only repeatedly gave me a list of companies, and asked a few times if I had a visa card.
I kept asking what company By NAME, and finally asked if it was about my '______' card - picking a company that I have NEVER done business with. He asked if my card number began with 4313, and I said I don't have a '______' card.
He promptly hung up.
PLEASE WATCH OUT FORTY SCAMS. THEY ARE ALL AROUND US.
Hope this helps someone.