The excitement of applying for a mortgage can quickly turn into frustration when spam calls start pouring in. These unwanted calls can be a nuisance, disrupting your daily life and causing unnecessary stress. But do you know that you have rights as a consumer to stop these spam calls? In this article, we will explore the reasons behind these calls, the laws that protect you, and the steps you can take to put an end to them.
Why Do You Receive Spam Calls After Mortgage Application?
When you apply for a mortgage, you are required to provide your contact information, including your phone number. This information is often shared with third-party companies, such as mortgage brokers, loan officers, and other financial institutions. These companies may use automated dialing systems to call you, offering their services or promoting their products. Additionally, some companies may obtain your phone number from public records or purchase it from lead generation websites.
The National Do Not Call Registry: Your First Line of Defense
The National Do Not Call Registry is a database maintained by the Federal Trade Commission (FTC) that allows consumers to add their phone numbers to a list of numbers that telemarketers are prohibited from calling. By registering your phone number on this list, you can reduce the number of unwanted calls you receive. However, it's essential to note that not all calls are covered under the National Do Not Call Registry. For example, calls from companies with which you have an existing business relationship or calls that are exempt under the law, such as those from non-profit organizations or surveyors, are still permitted.
Fighting Back Against Spam Calls: Know Your Rights
As a consumer, you have the right to stop unwanted calls. The Telephone Consumer Protection Act (TCPA) and the Federal Trade Commission's (FTC) rules prohibit companies from making unwanted calls to consumers who have opted out of receiving such calls. Here are some of your rights under the TCPA:
- Opt-out: You have the right to opt out of receiving calls from a company at any time. Companies are required to provide a clear and conspicuous opt-out mechanism, such as a toll-free phone number or an email address.
- Do Not Call List: As mentioned earlier, you can add your phone number to the National Do Not Call Registry to reduce unwanted calls.
- Company-specific opt-out: If you have an existing business relationship with a company, you can opt out of receiving calls from that company specifically.
What to Do If You Receive Unwanted Calls
If you receive unwanted calls, there are steps you can take to stop them:
- Answer the call and opt out: If you answer the call, you can ask the caller to remove your number from their call list. Make sure to get a confirmation email or a reference number to prove that you have opted out.
- Report the call: You can report unwanted calls to the FTC by filing a complaint online or calling 1-877-FTC-HELP (1-877-382-4357).
- Use call-blocking apps: There are several call-blocking apps available that can help you block unwanted calls.
- Contact your phone service provider: Your phone service provider may offer additional features or services to help you block unwanted calls.
Gallery of Mortgage Application Spam Calls
What is the National Do Not Call Registry?
+The National Do Not Call Registry is a database maintained by the Federal Trade Commission (FTC) that allows consumers to add their phone numbers to a list of numbers that telemarketers are prohibited from calling.
How do I opt out of receiving unwanted calls?
+You can opt out of receiving unwanted calls by asking the caller to remove your number from their call list or by reporting the call to the FTC.
What are my rights under the TCPA?
+Under the TCPA, you have the right to opt out of receiving calls, add your number to the National Do Not Call Registry, and report unwanted calls to the FTC.
If you're tired of receiving spam calls after applying for a mortgage, it's time to take action. By knowing your rights and taking the steps outlined in this article, you can stop unwanted calls and protect your personal space. Remember to always report unwanted calls to the FTC and use call-blocking apps to help you stay safe from spammers.