This had a an outbound ring.  I listened and it transfered the call to another phone.  They are using a computer dial.  They asked for a person by name.  Whom actually is only 9 years old and happened to sign up for a Kroger card.  And used my phone.  so they were wanting to sell my child whom is 9 years old a student loan consolidation.  You should be mad a Kroger for allowing your kroger card information to be sold to 2nd parties.  You should hang up on this number.  They are up to no good.