How to Fight Back Against Credit Card Spam Mail

How to Fight Back Against Credit Card Spam Mail

Except for the mosquito, there has never been a foe more despised than the pre-screened—yet unsolicited—credit card offer. They’ve been tormenting the public and their mailboxes for far too long, and it’s time to retaliate. The Fair Credit Reporting Act, which authorises credit bureaus to send prescreened offers, also empowers you to stop them: The option to opt out. You can opt out of receiving these unsolicited offers by visiting OptOutPrescreen.com.

Method 1 Getting Rid of Credit Card Offers

1. Visit https://www.optoutprescreen.com/ for more information. OptOutPrescreen.com is a website operated by the four major credit reporting agencies in the United States: Equifax, Experian, Innovis, and TransUnion. They are collectively to blame for all of the annoying “pre-screened offers” that have been clogging up your inbox.

That’s correct. Until now, credit reporting agencies have happily sold your information to any loan shark willing to pay a few dollars.

2. At the bottom of the page, click the big blue button. You will be directed to the opt-out page. When you arrive at the opt-out page, you’ll see three options at the bottom. Choose the one in the centre. It should say “Five-Year Electronic Opt-Out.” At the bottom of the screen, press the “submit” button.

If you want to opt out permanently, go all the way to the bottom and select “Permanent Opt-Out By Mail.”

OptOutPrescreen.com warns you at the top of the page that you will be asked for sensitive personal information such as your Social Security number, date of birth, name, and address. Furthermore, they are unusually forthright about it. Given that credit reporting agencies already have all of that information, it appears to be a ploy to scare away the private.

3. Fill out the form. After clicking “submit” on the previous page, you should have been directed to a form where you can enter your information in order for them to remove you from their lists.

You are not required to provide your date of birth or Social Security number, even if they ask.

When you’re finished, click “Confirm.” You’re ready to go. It may take a few weeks for you to be completely removed from their system, but you’re on your way to a clean mailbox once more. For the next five years, at the very least.

4. Print the following form. If you want to opt out indefinitely, you must print the form on the following page. Sign, date, and finish it. Put it in the mail and address it to the indicated address.

Method 2 Taking Action if the Offers Keep Coming

1. Speak with the company directly. This was most likely the first thing you tried. Give it a shot if you haven’t already. It is not guaranteed to work because banks do not compile their contacts’ names themselves. Instead, they simply use the names provided by the credit reporting agencies and send mail to those addresses.

Nobody would blame you if you didn’t want to mess with this again, but you might get a little more traction if you tell the bank that you’re thinking about filing a complaint with the Consumer Financial Protection Bureau (CFPB) or the Better Business Bureau (BBB).

Make sure to contact the bank that issued the offer rather than the credit card company. Even if Acme Bank is offering you a Visa credit card, Acme is still making the offer and is thus responsible for the mail.

2. Complain to the Consumer Financial Protection Bureau. The Consumer Financial Protection Bureau, established in 2010, is the Federal agency charged with regulating the financial industry’s practises affecting consumers. If you are receiving credit card offers and have already opted out using OptOutPrescreen.com, it is possible that a bank is violating the Fair Credit Reporting Act. If this is the case, they must be reported.

It is simple to file a complaint with the CFPB. To begin, go to http://www.consumerfinance.gov/complaint/#credit-card, read the process description at the bottom of the page, and then click “credit card” at the top. Simply follow the on-screen instructions from there.

3. Complain to the Better Business Bureau. The Better Business Bureau (BBB) is a non-profit organisation funded by merchants and businesses to standardise and certify best practises in dealing with customers. The BBB also rates businesses based on how closely they adhere to the standards.

When you’re ready to begin working on your complaint, go to https://www.bbb.org/consumer-complaints/file-a-complaint/get-started and follow the steps. You will not require any additional information. Simply provide the name of the company you’re dealing with and a description of the steps you’ve already taken to find a solution.

4. Contact your state’s consumer protection office. Individual states have consumer protection offices, similar to the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB). The procedures for filing complaints at the state level are typically similar to those at the federal level, though they may differ slightly.

State consumer protection offices can be found at https://www.usa.gov/state-consumer-protection.

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