This company has a message that you automatically give consent to have your call recorded. Based on my state law, it is illegal if you request before-hand that the call NOT be.
I requested that the call not be recorded and was told "no...it will not be". After some banter, which included the agent "fishing" for info for which I did not embellish, including info that I was a student (which I am not!) I was told at the end of the conversation that the phone call HAD been recorded. I am so glad I got her name, direct phone number, both long distance and toll-free.
Suffice to say, the FTC and my state Attorney General will be told about the incident.