I have received those calls before too! Last time I have \"challenge\" that man and asked for his staff id. Cannot believe he actually threatened me by saying he has all my information. So angry so I called citi bank to complain! They said it not that cold call and our information r actually \"stolen\" by those \"companies\" and nth they can do about it. All we can do it to call the police! Can you believe how irresponsible this bank is? Our information r leaked out because of their system, and nth they can do about it !