Was my paranoia justified? Dude from Discover card calls me at home and tells me that my account is past due (true). He says if I pay by check over the phone he'd take off the late fee.→[More:]I don't have caller ID so I tell him I'm not giving my bank account info to someone whose identity I can't verify. I tell him to give me his number and he says he can't give out his direct line. I say I'll call 1-800 DISCOVER or pay online but he says that only he can remove the late fee. He says he has my social, my mother's last name, etc. I didn't verify this with him - I just told him I'd pay online and hung up. Anyone had this type of call before? They have my bank account info saved on the website, couldn't he have just read THAT to me?

The other thing is, I never gave Discover my new phone number. He must have looked it up.