When a person calls a customer service center, they have to submit to providing a lot of information; On the contrary, when a client receives a call from a company, they tell him that they are calling from "?" company and that the person speaking is called "??" and whoever receives the call has no chance to verify which company is called, who is speaking on the other end of the phone, and if he is really a representative of that company or if he is a fraud. Clearly in the calls of the Call Centers and Debt Collectors there is a great disadvantage against the client. How to balance this issue?
The federal authority should oblige companies to 1- Display the number and name of where the call is originating on the screen of the person receiving the call, 2- Provide the number of the employee who is called, implementing a system that allows the client verify that this number does correspond to a company employee before continuing with the call 3- Allow the client to interrupt the call and return it, being able to request to continue speaking with the same representative
What does that have to do with "Equal Rights"? As to proving anything, well every company has a known, published phone number that you can call back. I'm surprised that you didn't think of that first. Debt collectors have a law that is etched in stone that they must follow. So, now your problem is solved. Hope that helps!!
Well the simple explanation is debt collectors are not allowed to discuss debts with anyone but the debtor and they must ask a lot of questions to verify you are the debtor. You can of course ask them questions in return to help figure out if it is a legitimate debt collection call or some debt scammer who got some old info. You can ask questions while explaining you are uncomfortable giving out info over the phone and would like them to mail you proof of debt or at least give you some reassurance of their legitimacy by providing info you can verify.
A legitimate debt collector should be willing to work with you to solve the debt and not try pressuring you. If they do pressure you, then most likely they are scamming or at least violating the Rules that govern debt collections.
The more I read the two lead comments, the less sense they make. That takes a talent for wooly thinking. Let's first please not confuse the varying purposes of call centers. "Clients" employ debt collectors, turning them loose on debtors.
Sure, the ambush phone call is an awkward tactic, often used unfairly, from said collectors and illegal sales callers. But headset jockeys are quite capable of dishonesty and mystery no matter which side dialed first. In response, the FDCPA and Telemarketing Sales Rule also won't handicap scores based on call origination. Leveling the power balance with a surprise caller does not demand unwritten (if not misleading) "equal rights" but defending the ones you already possess. One of them is to not participate in lopsided control of the narrative. Another is to negotiate from a position of strength.
The proposed authentication fix is asking for more magic than the unnamed "federal authority" could hope to enforce. It also laughably assumes none of that security handshaking can be simulated.
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