Love you dilyn luke daddy mama bye your cheking out

Thank you for not bothering to comprehend what you read, disruptor. And thank you for filling the monthly quota of impatient types who insist that my correct reading of consumer law makes me The Enemy.

Once more and slowly ..... A debt collector IS NOT selling goods or services. A debt collector IS NOT a telemarketer. The TCPA was written to cover sales callers, a.k.a telemarketers only. TCPA has been applied, wisely or not, in a minority of lawsuits against collectors within a very narrow range of circumstances, often hinging on a non-debtor's expectation of privacy. TCPA is not a safe weapon for most people abused by collection agencies. The FDCPA and its state law cousins are the go-to, written to address that one industry.

One layer down from that FCC page you were given I find a large list of helpful guides to various concerns of the Commission. NOT ONE of them specifically targets the subject of debt collection. Again, that is because the FCC *lacks jurisdiction* over the debt industry. Your complaints there against FNCB are *MISFILED*.
http://www.fcc.gov/encyclopedia/consumer-publications-library

The very canned response you quote does not promise, as you assert, any automatic $1500 per TCPA violation. It reads "up to". The flat fine is $500, which *may* be trebled by a judge for "knowing and willful" violation. It takes work on your part to meet that dual requirement, not kneejerking responses and conclusions.

You're trying to infer or extract legal advice from an auto-replying email server at a federal agency which is too busy to properly direct you to relevant resources. Shoot me dead for wanting to help fill their gaps if you like. Until you learn that federal agencies and consumer laws are not all the same and what their true scope is, you will be fumbling in the dark when you could be spotlighting whatever problem you have.

FDCPA § 1692a. Definitions  (including the term "debt collector")
http://www.law.cornell.edu/uscode/text/15/1692a

Telephone Consumer Protection Act
http://www.the-dma.org/guidelines/tcpa.shtml
http://www.fcc.gov/cgb/policy/TCPA-Rules.pdf  [PDF]

Notes from a legendary consumer litigant
http://www.dianamey.com/anti-telemarketing-guide/

Thank you for reading my post and responding, Telemarketer. And thank you for not calling my phone again.

It appears that I was wrong about the $1,000 per violation. It is actually $1,500.

________________________________________________________________

Here is a copy and paste of an email I received from the FCC:

Thank you for contacting the FCC regarding possible violations of the Telephone Consumer Protection Act (?TCPA?) and the Commission?s telemarketing and junk fax rules.

[T]he TCPA permits individuals who have received certain unlawful telemarketing, such as junk faxes or telemarketing calls, to sue the violator in state courts where they may be awarded up to $1500 for each violation.

We invite you to visit the FCC?s Consumer & Governmental Affairs Bureau?s Internet web site at http://www.fcc.gov/cgb for more information. You may also call the FCC?s Consumer Center toll free at 1-888-CALL-FCC [1-888-225-5322], TTY: 1-888-TELL-FCC [1-888-835-5322].

Sincerely,

Sharon C. Bowers, Division Chief
Consumer Inquiries & Complaints Division
Consumer & Governmental Affairs Bureau

Keeps calling and I keep not answering. Finally just blocked the call.

STOP CALLING ME!
I am in no way associated with your organization.

I received a call from # 2562617792 today 10/15/13, there was a long pause then a recording  started as I was hanging up.

Correction:  Thanks for the lengthy info!

Very helpful, thank you.

Very helpful advice.  Thank you.

that for the lengthy info!

thank you  for the tip

They need to quit calling me now!

They're calling because you haven't paid a debt. Don't be ignorant. Don't be like the government and dig deeper into debt. Fix your issues. Then they'll stop.

Yeah... Ignore your debt. It'll go away.

I have been receiving these calls for a few years now.  I changed my landline, as I get these calls there too, and I changed my cell phone and the service provider.  Nothing stops these people.  So, I installed an answering machine between me and the incoming call on my landline.  The message that I left on there specifically states that they will need to leave their name and phone number.  Never happens.  My cell phone has ID on it, so I can screen the calls there as well.  It is clearly a case of harassment, and I wish the phone companies would do more to put a stop to it.  It is so aggravating, and interrupts whatever I may be doing.  The "No call registry" didn't ever slow them down.  

Apparently an autodialer. After a delay the recorded message prompts you to call an 800 # that poses as a collection agency or a credit repair - probably an attempt to extract info for id theft.

} you could get $1000 for each time they bother you

Not likely. While actual damages from FDCPA claims are not capped, you would need some serious medical bills to hit $1K per incident. I can guess you're confused about the *statutory* maximum of $1K, which *may* be awarded *PER ACTION* in court, not per violation.

Of course, you're not getting a grimy penny from merely sending reports to the FCC, which has practically no federal jurisdiction over debt collectors .... which *are not the same* as those telemarketers you "don't fool around with". Proper complaint channels include the CFPB, FTC, and attorneys general. They're not handing out money awards, either. If you want relief, get it yourself in court, invoking the FDCPA private right of action.

§ 1692k. Civil liability
http://www.law.cornell.edu/uscode/text/15/1692k

Not sure why  but this number calls my home everyday. It appears on my caller ID as local office 256-261-7792 when I say hello no one ever says anything back. I really would like the calls to stop are at least tell me what the calls are regrading to.l

Alguien me llamo de este número y me dijo que debía 700 dólares a Well Fargo por una tarjeta de crédito nunca tuve una tarjeta de crédito con ellos y que la deuda era desde 2006.
Creo que querían engañarme, donde se puede reportar a estos embusteros ladrones?

don't know who is this --no one was on the line when I answered so that I could speak to them

I immediately reported 256-261-772 to the FCC. Here is my claim number:

______________________

https://esupport.fcc.gov/ccmsforms/form1088!createComplaint.action

Confirmation
FCC Submission Confirmation: 1088G
Acknowledgement of Submission from ************ on 09/20/2013, reference number 13-T01276116.
Thank you for your information. The FCC will contact you if additional information is required. Please keep this information for future reference.

___________________

I don't fool around with telemarketers. I immediately report them every single time they call. It takes 2 minutes to save the world from these annoying criminals. It is so easy!

On top of that, you could get $1000 for each time they bother you. But, you have to start with an official complaint.

Begin here:
https://esupport.fcc.gov/ccmsforms/form1088!createComplaint.action

My "worthless expletive" advice is not very different from what the FTC and your state AG and countless consumer watchdogs will tell you. Lawbreakers like FNCB use the telephone as a primary weapon. Disarm that weapon and you'll have a fair fight.

Some years ago, while owing nothing and being in general allergic to debt, my parents were called by some junk debt collector. The JDB never left messages, never sent a dunning letter, and I'd guess was skip tracing a stranger. My folks tried it your way, doing nothing in response. Eighteen weeks later, the same company had called them 315 times. When added to the other junk from illegal sales calls and commercial fundraisers, their phone rang five to fifteen times daily due to some company's disregard for laws and personal privacy.

There is no good reason for anyone to endure that noise when you can put a stop to it *AT ITS SOURCE* with very little effort, and simultaneously set a legal bear trap for a collection agency stupid enough to disobey written orders delivered by Certified Mail. By the way, I did later encounter one stupid enough to ignore me when I was polite. Months later, the company was paying my rent and groceries for a year after I won a judgment in federal court without a lawyer holding my hand. I submit that's not shabby for a "plain and simple idiot".

- The block-ignore-forward response you've sprinkled on this page does not make those calls "go away". All you've done is muffle them.

- The adoption rate for mobile phones is not yet 100%. Hard as it is for people under thirty to believe, not everyone relies exclusively on mobiles for every possible communication and transaction.

- "They still call" because they're scofflaw bullies who assume you are a liar and that you can be pressured into giving up either money or a way to take it from someone else. Debt collectors don't have to maintain a "list" for no-call and they don't act like they work for Customer Service because *they do not*.

- I've responded to several "not me" call recipients in this thread, and my answer is the same as what I suggested almost two years ago on this same page: GET OFF THE PHONE and GET ON A PAPER TRAIL. Verbal demands vanish; paper survives.

- Inbound collector calls at the time you report are illegal. Skip trace calls to mobile phones have in *some* cases been ruled a privacy breach. You may have cause to sue even as someone not alleged to owe.

On this page I see I haven't yet linked to my essay for "not me" cases. It details a wise step before warming up a lawsuit.
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls

What about when they call at 11 pm asking for someone who does not own the phone. I told them I have had this number for three years and that is not my name- take this number off the list. But they still call. The only thing that has made it 'go away' is saving the number to my contacts and sending to voicemail. I don't even notice they call most of the time.

Save the number to your contacts as xxxSpam then edit the contact to send directly to voicemail.

UNKNOWN CALLER, UNWANTED-UNSOLICITED CALL.

You are an idiot -- plain and simple! Why should anyone go through all that worthless B***S*** you just recommended! Just simply do not answer the phone and ignore it! Eventually, one of two things will happen: either you will give in and answer, or they will stop calling -- period! End of story!

Whatever "credit card protection" you mean is really not applicable. FNCB has violated your SiL's rights, meaning you should look to state and federal law for relief. Here's my breakdown:

- Blabbing that your relative has a debt -- VIOLATION of FDCPA
- "probably a reference" ... Yeah, references called Accurint, Chex Systems, public records, and other databases used routinely by skip tracers -- Misleading or false statement, violation likely
- Bullying your daughter, trying to drill her for details -- possible violation. This one takes some study, since spouses of alleged debtors can talk about a partner's debt. BUT they can't be abused or lied to or cursed at any more than another person.

Handing over SSN is a common way of authenticating an alleged debtor in order to speak freely, but not the only way. Usually the collector has a bunch of data points which will work fine. All said, neither of you gals are the man they want, and no one is obligated to surrender any information a debt collector "demands".

Have the hunted man put this bunch on written notice. Make them validate and restrict contact. Keep taking notes on anything they do. If your SiL has a good case he can sue for little or nothing paid upfront.

FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

Have you seen other comments here? They'd like some money from you or a stranger who is alleged to owe some moldy debt. I'm guessing you're experiencing excess call abandonment from a predictive dialer, no doubt cranked up too high so the phone jockeys won't be a waste of oxygen.

See prior comments for various notes on your rights.

I see my stock advice for "not me" cases is not linked on this page, so here 'tis again:

http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls