This is a scam, confirmed by BoA, that attempts to extract personal information presumably for the purpose of ID fraud/theft. They claim to be collecting a delinquent payment. BoA confirmed that they never cold call for this, they have no record of the number or calls, and, in my case, I have absolutely no delinquent accounts. Be warned!! Do not give them many information of any kind. They will call numerous times a day to scare people into giving information. That's their tactic, don't fall for it. Any attempts to reverse look up the number comes up blank, definitely not the way BoA conducts business.