Receive incoming call on my cell #, a # that i do not share with anyone other then friends and family and 2 doctors. I took the call after listening to the message. The message was to lower my interest rate. I press the appropriate numbers to talk to a human. A lady finally answered and i asked her the name of her company, she said it was credit card services, llc. I then asked how she obtained my number. She hung up on me.