My husband received a call from an XXXX number while we were traveling on vacation. I answered the call and no one was on the other end so I hung up. When I called back, they identied themselves as " member services '' and not a credit card company. Eventually, I came to an understanding that they were credit card company and they said my husband have a past due balance. We never received an initial statement or any subsequent statements. My husband told them that they could talk to me because he was driving. I had hoped that we could resolve the issue on the phone but apparently not. 

I do n't understand why they identify themselves as " member services '' and not a credit card company. If they would identify themselves correctly, people may think they are something besides a telemarketer. 
