How to Report Phone Solicitations for Credit Cards
Nothing is more annoying than having the phone ring when you're busy enjoying dinner or having fun with your family and having it turn out to be a credit card solicitation. Fortunately, there are laws that protect you from phone solicitations for credit cards or anything else. As long as you register your phone number on the No Call List, you can track phone solicitations and report them to the proper agency. If enough people make reports, the credit card solicitors may face legal action.
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Instructions
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Make sure your telephone number is listed on the National No Call Registry. If it is not, add it via the website. Your number will remain in the registry until you remove it or change numbers. You can register both landlines and cell phones. Your number must be on the registry in order to report credit card solicitation calls.
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When you receive a phone solicitation for credit cards, ask the caller how your number was obtained. Phone solicitors are allowed to call you if you already have a business relationship with them or if you have asked for information and provided your number. For example, if you have a bank account, that bank can call to offer you a credit card. If you fill out an online form with your phone number, that company can call to solicit you. In this case, you should ask to be put on that company's No Call List.
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If the caller did not obtain your phone number legitimately, get as much information as you can about the company. What credit card company and bank does she represent? Where is the company located? What is its contact information? You will need as much information as possible in order to report the company for credit card solicitation. If the caller refuses to give you any information, make a note of the number on your caller ID and research it through online reporting sites such as 800notes. Don't use a simple reverse lookup because some telemarketers will fake the caller ID number. Reporting sites often have their real information.
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File a complaint on the No Call Registry website. You will need the company's name or the phone number, although the more information you have, the more effective your complaint will be. Let the representative know that the company called you with a credit card solicitation even though you have been on the No Call List for at least 31 days and despite the fact that you have no business relationship with them. Those are the two factors that must be present to make a legitimate complaint against a credit card solicitor.
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If the credit card solicitor calls you again, let him know you have reported the company and that you will be doing so again. Make a note of the date and time of the call and file another complaint. The more complaints that the government receives, the more likely it is to take action against a phone solicitor.
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Tips & Warnings
Criminals may call you pretending to be phone credit card solicitors, but they are really trying to get your credit card information in order to steal your identity. Never give out, or even confirm, any information over the phone to someone who calls you and asks for credit card information.
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