Mike, I've been getting them from eBay, PayPal, Earthlink, and credit card companies where I don't even have an account.
Some of 'em are GOOOOOD too! They even spoof the URL to include the http
s part, to get you to think you're logging into a secure site. The one from Earthlink was so good I had to call them, since I HAD made some changes to my service recently.
What happened next is the subject of a totally different rant, so I'll leave it at that.