Yesterday I received a call from Bank of America saying someone had tried to open a credit card in my name. They had my name and my Social Security number. Then they transferred me to Experian to an agent who told me he could see all my credit cards, all my balances, all my personal information. He said three of my accounts have red flags, meaning they're charging too much interest. He offered to close those three accounts and allow me to pay off the balances at 0% interest. I got super suspicious and told him I needed to think about it. Is this a scam?