There are ways to end calls without being excessively rude. For instance, the moment someone says, "Am I talking to.." you reply, "which company are you calling from?" Some calls end there and then. If the person than says "I am calling from XYZ Bank.." then immediately reply "This number is on your Do Not Call Register. Do not call again" and hang up. Why do you waste time in prolonging an useless conversation?