This scammer calls numbers on the national do not call list in violation of the Telephone Consumer Protection Act. They further violate the TCPA by failing to have an operator on the line when the call is answered, playing a recorded message without an operator on the line to stop the playback, any by refusing to provide a phone number or address when asked. Their scam is the same tired last notification of your opportunity to lower your interest rates and credit card payments. This is clearly a scam just based on the number of violations of the TCPA. Do not provide this scammer any information.