I have had a credit card since 1995 and have typically paid balances in full. My credit score is 732. I am employed. No public records of any sort. Today, my credit card co. calls and refuses to identify until I confirm my name. I asked who was calling several times and was refused. Then they begin to speak about a past due $37.00! that was due 8/20 -- 12 days late. I hang up and call the credit card co. back at the main number because I am suspicious of this caller. They confirm that they called and then proceed to tape the conversation. I ask that recording cease and they tell me they cannot. I live in the state of PA. Is it legal for a debt collector to call and not identify and record calls? Is this reasonable collection of a $37.00 payment?