First of all I want to know why you're answering an 800 number on the phone! This is one of those "your relative needs money" SCAMS.
Hi grandma, this is your grandson, I was in an auto accident and I'm in the hospital, I need some money now....... Oh is this Billy, you say. Yes grandma this is Billy, I'm in the hospital.
Oh jeez, you just told them you have a grandson named Billy, now their gonna call you once a month hoping you'll forget they called the month before. Just block them and don't ever answer another 800 series number again!