I have a problem with banks etc. phoning me, and then asking me personal questions (ID number, address etc.) to "verify that they are speaking to the right person". Now this makes 100% sense when I phone them, but the logic breaks when they phone me. It is one of the ways scammers get your info. So why would a legitimate company phone me and try to get my personal info? This is not a once-off or small companies doing it. This is large banks, insurance, etc. doing it. How can they have their processes so screwed up?