I guess these people have nothing better to do in life then set up a computer to systematically call people. This is completely ridiculous! I have received no less than 30+ calls from these buffoons since having changed my number in March. Truly, what do these people want?! The most I've uncovered is that it's some sort of credit fraud scam. The Higher One agency is real, but may or may not be actually involved with this number. All I can assuredly say is this discourteous tomfoolery is entirely irritating.