Female caller from Emory FEDERAL Credit Union asking for me by my correct last name. Although not impolite to me, she lied about the No Not Call Registry saying I had probably not re-registered my number recently (the DNC website specifically says you do not have to). That led to me taking her to task for lying and me informing her of the $500 I was now entitled to which led to a hang up. The BBB says their entry is being "updated". I found their normal listed number and called it. The guy who answered tried to get me to refinance my house and claimed they were a national bank because they were a "federal credit union". Really? These are not very smart tactics but somebody must buy their crap. He claimed this was a one day thing and that they probably got my number from my mortgager (both the top two banks in the U.S. so that seems unlikely unless those guys are selling my personal info for cash...Anyways these guys are in the business of loan modification, I recommend avoiding them and filling complaints with the FTC/FCC via the DNC.