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Since I started keeping track in April 2014, I have received at least 18 calls from a business claiming to lower my credit card APR. Originally, I kept hitting #3 (take me off your list) but the calls continued. Finally, I hit #1 to speak with someone and when I asked who they were with, their phone number, or address they hang up on me.
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These calls could be in violation of the Telephone Consumer Protection Act (TCPA). The TCPA prohibits calls using a pre-recorded or artificial voice to deliver a message to a consumer unless there is a previous business relationship or consent for the call by the consumer. With most calls made by the debt industry to a consumer, the previous business relationship between the creditor and the consumer is sufficient to allow the debt collector to utilize a pre-recorded message. However, with wrong number collection calls, such a previous business relationship is lacking. Bringing suit under the TCPA premised on wrong number debt collection calls can result in substantial claimed damages. The TCPA provides for a statutory penalty of $500.00 per call and that amount increases to $1500.00 per intentional violation.
Answered on Jun 13th, 2014 at 8:48 AM