Answered a local call from "Kevin", from "A. C. F.", asking if I was (my first name).  I asked who was calling?  He repeated himself.  I asked what "A. C. F." stood for and he told me Allied Commercial Financial.  I told him he did not need to speak to (my name).  He said thank you and hung up.  Another credit card processing scammer, albeit a polite one.  Added to the hundred or so other "Credit Card Processing BS" #'s in my phone.  If you are in business and take credit cards, run away from anyone who cold calls you for your processing business, especially if they are using tactics like asking for you by your first name, and not just the usual "business owner" or "manager".