Called at 6:45 AM, said he was from Visa, but then when I said I had no Visa he said MasterCard and that they work from both. Didn't get much further, as I was understandably unhappy about the time and hung up on him rather impolitely.
Heard phone ringing at 0530 thinking it was a family emergency. Got to phone too late but no message left on answering service. *69 revealed that call came from a Verizon wireless number that was changed, disconnected or no longer in service. Very pissed off for the early hour and being very stressed thinking it was a family member emergency!!!