I most definitely have had this occur, and Vanguard is hardly the only offender. Basically, every single financial institution that I have dealt with has done t

I most definitely have had this occur, and Vanguard is hardly the only offender. Basically, every single financial institution that I have dealt with has done this. Prior to leaving HSBC when their checking rates plummeted, I had a lengthy discussion with one of their reps about the issue. The solution? I never answer the questions. I ask for their name and a number/extension that I can call back from. I then either confirm that it matches the ones I know, or call their mainline and request to be transferred.