@Edent Rule two of answering the phone (or emails, texts). The person making the call has to identify themselves, not the recipient. Rule one is that all businesses calling, mailing or texting you are after your money in some way and are likely to con or defraud you.
When my bank has called me in the past and I insisted on checking. Their procedure was to alternate characters of my password with me. Otherwise I refuse to go on, which pisses off shedloads of telemarketers. But keeps me safe