Earlier quoted context omitted.
Ah - you're in Europe. In the US that's a very common spam call to receive. It may come from a different number every time and the FCC and FTC (the relevant authorities) can't or won't stop it. I've had it in the middle of the night a couple of times, though I think that's not as common. It's the reason my phone is always on Do Not Disturb now.
Europe is not that serene as you may think. I get plenty of spam calls from entities I'm in a relationship with - like my mobile operator or my bank[0]. It's one of the reasons my phone is on silent during the day[1]. The problem with those is the usual fake "market choice": every mobile operator and bank is pulling this crap, so I don't abandon mine, because alternatives are no better. Then there are occasional rand…
Yeah no, these companies should NEVER be calling people, period. It's way to easy to phish people for information by calling them and claiming to be their bank. Too many people will fall for it:
"Hi, this is SomeDude from Bank of America, and we noticed some suspicious activity on your account. Before we go further I would just like to confirm your identity. Could you please provide your name? Your address? Your mother's maiden name? The last four digits of your SSN?"
Banks should adopt a policy of only interacting with customers physically, via their web interface with a login, official mobile app, or by the user calling the bank's official, publicized number. Never by calling the user.
That way they can post big signs saying "We will never call you, if someone calls you claiming to be us, it's fake" and people will get it.