This scammer calls numbers on the do not call registry in violation of the Telephone Consumer Protection Act. They then further violate the TCPA both by failing to have an operator on the phone when the call is answered and by playing a recorded message without an operator on the line to stop the message. When you do get to a live operator, they hang up on you if you do anything other than answer their questions and provide them with personal and financial information. They refuse to provide a phone number, company name, or physical address, all of which are required by the TCPA. Their recording claims that this is your last notification, but the calls keep coming, sometimes more than once per day. The recording is about lowering interest rates on credit cards and that you are pre-approved for the services. However, the operators clearly do not have you pre-approved, nor do they have sufficient information for you to have been pre-approved. This is quite clearly a phishing scam. Do not provide this scammer with any personal or financial information.