This company calls numbers on the national do not call registry in violation of the Telephone Consumer Protection Act. They further violate the TCPA by playing a recorded message with no operator on the line. Their recorded message tells you that this is your second (it isn't they call repeatedly) and final (highly doubtful, as they keep calling) notice to lower your interest rates. When you do get to an operator, the operator hangs up if you ask for his name, let along the phone number, physical address, or company name - all of which they are required to provide when asked by the TCPA. In addition, these are *ALL* questions that 100% of legitimate businesses would gladly answer when asked by someone they wanted to do business with. This is clearly a scam to get your personal and banking information and either rip you off directly, or commit identity theft, if not both. Do not provide this scammer with any information.