I get these calls periodically. They claim to be from account services and offer to lower my credit card rates. They sound pretty legitimate, and at first I thought they might actually be from my bank, but I don’t have any active credit cards. I’ve pressed “1” to ask them to quit calling me, but they tend to hang up. They also hang up when I tell them that I don’t have any credit cards. So now I ask them how they can live with themselves, knowing that they scam people. They usually hang up after that as well. The action being taken by the government has not had any apparent effect on the calls, but I can hope.