I pointed out, each time, that they were the ones who called me so I should be verifying them. "But, sir, WE are the bank and you could be anyone who just answe

I pointed out, each time, that they were the ones who called me so I should be verifying them. "But, sir, WE are the bank and you could be anyone who just answered your phone." There has got to be a word for this and similar behavior. Banks, credit card agencies, mobile phone companies are getting really aggressive with how they handle these sort of transaction based interactions and I'm leaning towards wanting to see them get slapped with regulation for it. I bring it up because a few years back I fell into some hard times, resulting in missing some payments. In a good faith attempt to get caught back up once I found a new job and could right the ship, I called my creditors immediately and tried to make payments and setup payment plans the first paycheck I got. None of them failed to ask what I thought was a very annoying and horrifically invasive question: "Why were you late on your payments?" Each time I rebutted asking if disclosing my living situation was required to make a payment or if I should request an escalation to someone who will just take the money. One creditor kept trying to say "We're asking because we want to do you a favor/we understand things are hard sometimes" and I kept asking them if failure to disclose my life situation would prevent payment until they gave up and took the payment. It strikes me as an offensive, invasive and utterly worthless question and whenever asked I just hang up and call back. Same thing when some entity calls and immediately starts asking for sensitive info. "Send me a letter in the mail with a phone number and I'll call you back when I'm good and ready, otherwise no I'm not just giving you my SSN because you called me at 7:30 on a Monday evening and asked for it". Fiduciaries are getting bold, I tell you.