Consumer services automated message

Another call about my "credit card account".  I don't understand why the FCC can not do anything about these calls.  I get 2-3 per day - and now they have started on my cell phone.

Missed the call so I called back and the number is "disconnected". FCC can't get these guys 'cause they are crooks, not legit businesses.  They are just phishing for your financial info.

Called me... I rejected it. I called back from a different phone (trunk line phone) got busy signal twice.
321-363-6431 is now blocked with my TrueCaller app.

321-363-6431:  This is a scammer - they say they're inquiring about lowering your rate on a credit card - I told them I don't have a Capital One card - then he says "which one do you have, BofA, Chase...." I say I'm not telling him - "you're calling me not the other way around - you tell me which card your inquiring about"........click.  This guy had a very heavy accent - sounded like Kenyan, Somali - I don't know.  Scam.