I got a spam phone call from this kind of organization here in Georgia just a couple of hours ago! They left a recorded message saying something to the effect:
'This is whomever, calling about your credit card account. We want to tell you that there is no problem with your credit account at this time, but we need to speak with you as soon as possible about your account and concerning ways that we can lower the interest rate on your credit card for you....'
They tried, without actually saying it, to imply that this was my actual bank, or a representative of my bank, and that they were ready to lower my interest rate.
It was easy to see how older folks, or desperate folks might fall for this and call them back.
.