Very automated. I've been having regular calls for a while now from all sorts of different state area codes, same exact script about a loan offer almost complete and just lacking some income info. I let any unknown number go to voice mail, and find it entertaining to see which AI voice I get this time. For a while there it was a friendly woman that had a convincing tone, but the one guy's voice they tried sounded like he needed a vacation and was over his job.