Telemarketing · Junk Mail · Junk Faxes · Junk Databases · Junk Email · Junk Text Messages
This page covers what you can do by yourself about unwanted
telemarketing calls,
mail,
faxes,
and
email.
It also gives some background on direct marketing
and the laws governing it. (But
nothing
here is legal advice.)
Here are the headlines:
Unfortunately most companies take more than two months from the time they put your name on their ``do-not-mail'' list before their mail actually stops arriving. About five million tons of junk mail are sent in the US annually, but the journey from forest to mailbox is long and slow.
You might imagine that ``do-not-call'' lists would move faster but many organizations get other companies to do their telemarketing calls for them, and the lists of targeted numbers are typically fixed weeks in advance. On top of that, companies will take a while to get your JUNKBUSTERS DECLARATION off the Web or even longer if they have to get it from us. But if several months sounds like a long time, ask yourself if you'll be happy to get more of what they're sending you now--for the rest of your life.
If you tell a telemarketer ``take my name off your lists,'' the organization is actually required by U.S. Federal law to put your number on a list: their ``do-not-call'' list, and to keep this information in their databases for ten years. (The FCC also encourages them to ask for and store your name as well. You can refuse to tell them but they probably know it already or can find it out by using a reverse directory assistance service.)
The only choice left is whether you want to be on a company's ``don't call'' list: you're already on hundreds of lists whether you like it or not. The word ``list'' is a really a leftover from the sixties, when the number of people a marketer could contact was so small that they were recorded on pieces of paper. A state-of-the-art marketing company won't keep your name on separate lists; it will have one huge database containing everything it knows about you and everyone else who might possibly become their customer. Everything in it is available to its authorized users (and possibly even some unauthorized ones). Now that every phone number in the world can be stored on a PC, and most of them can be purchased inexpensively on CD-ROMs, the best you can hope for is to have your numbers marked ``No solicitations.'' JUNKBUSTERS DECLARE gives you a way to say that.
The answer depends on your attitude to telemarketing. Here are some ways you can handle these calls along with details on what's happening behind the scenes. The legal details are local to the U.S. but the technology of ``call centers'' has proliferated around the world.
The method described below is summarized in our
Anti-telemarketing script,
which you are welcome to print out and keep by your phones at home.
The rest of this section assumes that you don't want the company to call you again.
He is generally known in the business as a TSR, or Telephone Sales Representative. (A more cruel name also used in the industry is ``monkey-with-a-script''.) He spends most of his days attached to a chain of devices starting with an autodialer that calls numbers for him. If it's busy, it records this fact and keeps trying to get you again later. It also removes the numbers that don't work or never answer. When you pick up the phone and don't sound like a fax machine, it knows to feed you to the next available TSR.
The autodialer has far more phone lines than TSRs so if they are all talking to other people you are left to wait wondering who has called you. This practice (politely called predictive dialing by manufacturers, we call it presumptive dialing) saves the TSR's time (which the company pays for) at the expense of your time (which they don't). Some autodialers are programmed to call numbers simply to find lines that are disconnected, connected to faxes, modems, humans, or answering machines.
If you hang up as soon as you hear that telltale clicking or background chatter, they just record the time that you answered and call you again later, after you've forgotten the useless interruption. If you're lucky, you'll be put through to someone before too long.
The more technologically advanced companies
can combine the information about when you answer with
other demographic,
psychographic
and behavioral data they gather about you to help them
predict:
Companies can also buy this kind of information about you. One of four major list vendors includes a ``Connectability'' ranking, indicating on a scale of 1 to 7 how likely telemarketers are to able to get through to you.
Some companies record everything you say, but most are now required by law to tell you this first. (Though in 1996 one of the ``Baby Bells'' was still secretly tape-recording calls.) But there's nothing that says they can't take notes.
As you speak, the TSR may be typing your answers into his computer so that it can tell him what to say in response. If he sounds a little slow reading the script at times, he may just be waiting for the computer to tell him what to say next. After the call is over, the data and results can be put into a database to help make future scripts more effective on people like you.
If you sense a threat to your
privacy
here,
remember that the thing threatening it is not human.
It is just using a human's vocal chords.
Asking a question also puts you in charge, and stops the TSR from reading his script. Remember that when TSRs ask ``how are you today,'' the question that's really in their minds is ``how likely are you to buy today?'' Rather than wasting their time by describing the state of your stomach ulcer, it's probably best to ignore the question they asked and answer the one that really interests them.
When you get a telemarketing call you can ask the TSR if his employer also makes telemarketing calls for any other company. If they says yes, you can tell them never to call you on behalf of any company. You can also tell these ``bureaus'' or telemarketing service agencies individually before they call you.
The Federal Communications Commission's Web site explains how consumers can report violations of its rules and regulations. The Attorney General of your State may also be interested in acting to protect you. You can also tell the Federal Trade Commission. Their 1996 regulations provide fines of up to $10,000 for telemarketing offenses such as not telling you upfront that they're trying to sell you something.
There are U.S. Federal laws that give you specific rights of action. There are also various state laws explained below.
The federal Telephone Consumer Protection Act allows consumers to sue telemarketers for illegal calling. Most actions are brought in small claims court for $500. But the law gives them a ready-made defense, which few consumers are willing to go to the trouble of trying to overcome. If the call violates a previous Do-Not-Call request, the law allows one free violation per year. It appears easier to secure a judgment based on ``technical violations'' such as failure to provide a written policy. If you're determined to litigate, spend $10 on a booklet called So You Want to Sue a Telemarketer, available from Private Citizen, Inc. by calling 1-800-CUT-JUNK. See also the Nolo Press publications.
A few (probably less relevant) points on state laws:
Two factors control who sends you mail, and how much you get.
Reading about the amount of personal information that direct marketers
(and almost anyone)
can get may
disturb
you.
They have three basic kinds of sources of information about you:
government sources, other public sources, and existing lists.
Direct mailers perform
experiments
on you using the same methodologies as telemarketers,
but they conduct them more slowly and quietly.
The only clues that you might notice are the
two numbers above your name and address on your junk mail:
This question was once put to Ed Burnett, who wrote the book on direct mail lists cited above. He replied that it's very difficult. Merely dying, for example, is not sufficient. ``You move to a very small town and you leave no forwarding address.''
You would not want tell the U.S. Post Office your new address because they would include it in their National Change of Address service. [MoversGuide] The Post Office sells lists of movers to a large number of direct marketing companies. They not only want to make sure you don't miss out on any of their mailings, they also like to keep a history of your movements, because it tells them a lot of useful things about you. The fine print inside the Post Office's colorful Mover's Guide, which is paid for by direct marketers, claims that your new address will be given only to people and companies who already have your old address, but there are many reports that somehow this information gets resold to companies that don't. The NCOA has been criticized for many years by members of Congress, the General Accounting Office (the investigative arm of Congress), privacy advocates, and battered spouses. [Salon] The USPS has other address-correction programs with names such as as FastForward and Address Change Service. In December 2000 the Mailing Systems division of Pitney Bowes Inc. announced ForwardTrak Net, an Internet-enabled version of its ForwardTrak software, DM News reported.
Burnett goes on to say that after you move you must be careful not to buy a car, rent a home, register to vote, join a club, use a credit card, or subscribe to a magazine. If you think of how many times you have done any of these things, you'll start to get an idea of how many lists you're already on. Trying to get your name off all these lists is, in our opinion, hopeless. This is not only because there are so many of them but also because you have no way of even finding out where they are or who is responsible for maintaining them, let alone trying to persuade the owner to tell you what they have recorded about you. They're not interested in doing these things because it would cost them time and money.
Maybe you just want to reduce the amount of junk mail you get, without worrying about what's being stored about you in their junk databases. The best you can do is to get on the ``do-not-mail'' lists of companies you don't want to hear from. But companies that you do want to hear from may rent their lists to unrelated companies that you don't want to hear from. To stop this, whenever you start dealing with a direct marketing organization (for example, ordering from a catalog or donating to a charity), you may want to tell them ``Don't rent or share my name.'' Some people even have such a phrase printed on the address labels they use on their business mail. Unfortunately some companies capture and sell your name without ever talking to you, such as the courier company that someone else paid to send you an overnight letter.
You can tell organizations directly that you don't want information about you distributed or that you don't want junk. JUNKBUSTERS DECLARE now has a letter-drafting feature allowing you to produce these letters in very little time: you enter your details only once, and they are inserted in several letters ready for you to check, print and mail.
The DMA is an organization funded by direct marketing companies for their own benefit. Some people assume that its purpose is to help consumers, but their policy permitting their member companies to send ``Unsolicited Commercial Email'' (spam) is a good indication of where they stand. One of its services is selling to its member organizations lists of consumers who have ask not to get junk mail. It's not completely effective but most people get some reduction in the volume of their mail from it.
To use the DMA's Mail Preference Service (MPS), either click on the MPS link or write:
Mail Preference Service, Direct Marketing Association, P.O. Box 282, Carmel NY 10512-0282The DMA now requires you to pay a dollar, either by credit card online or by check or money order in the mail. The draft letter produced on our web site gives you an option to complain about the fee; the one on their web site doesn't.
A few days after registering you should receive a yellow postcard as an acknowledgment. It states that your name will be deleted after five years, so unless you remember to write again after that period, the DMA's members can start mailing you again. The DMA claims that ``second party requests cannot be processed,'' which we take to mean that they refuse to accept instructions from any third party you authorize to act as your agent. The canned letters we draft are sent directly from you to them; we are simply facilitating the production of your letter(s).
Most junk mailers find out about you from large companies who make it their business to have a deliverable address for as many Americans as possible. The top five sell information on about 90 million households and 140 million individuals, so the odds are that you're known to all of them. By telling these companies not to sell information about you and your household you can reduce the amount of junk you get and protect your privacy.
Write to Metromail Corp., Consumer Services, 901 West Bond, Lincoln, NE 68521 (1-800-228-4571, Ext. 4633). After 2-3 weeks you will probably receive a postcard saying ``Thank you for notifying us of your preference...'' even if you sent them a demand, not an expression of preference.
Write to Acxiom Corporation Attn: Opt-outs / Consumer Advocacy, PO Box 2000, Conway AR 72033-2000 (1-501-342-2722) They may send you another form to fill out. This unfairly burdens you, but no law stops them from making it difficult or impossible for you to stop them making money off your name.
Acxiom (ACXM) maintains a database about 175 million people in 110 million U.S. households, with hundreds of pieces of information available on each.
Write to Abacus Direct, PO Box 1478 Broomfield, CO 80038-1478 (1 800-518-4453 or 1 303-410-5294)
Abacus runs the world's largest ``co-op'' database, where about a thousand catalogers pool information on about 88 million consumers' buying behavior. Privacy advocates opposed its 1999 merger with DoubleClick
Write to InfoUSA, Attn: Product Quality, PO Box 27347, Omaha NE 68127 (1 888-633-4402)
Formerly titled American Business Information, Inc., InfoUSA (IUSA) are the owners of ProCD, a CD-ROM containing the addresses and phone numbers of most Americans.
Write to Donnelly Marketing, Inc., Data Base Operations, 416 S. Bell, Ames IA 50010 (1-515-382-5441) After a few weeks you will probably receive a letter acknowledging your ``request'' and a booklet titled Direct Marketing: Opening the Door to Opportunity, published by the DMA. Donnelly was acquired in 1999 by InfoUSA (IUSA).
Write to The Polk Company Attention: Opt-Out Coordinator, The Polk Company, 26955 Northwestern Highway, Southfield MI 48034-8455 (1-800-873-7655) After a few weeks you will probably receive a letter stating that they have ``responded to your request.'' Polk is privately held. Polk sold some of its databases to InfoUSA.
Some companies sell information for ``tracking'' individuals rather than prospecting for buyers. One that has been historically criticized over their handling of Social Security Numbers is LEXIS-NEXIS, (P.O. Box 933, Dayton OH 45401 phone 513 865-6800, fax 865-1555). It boasts a database of 300 million names and addresses, allowing anyone to get to those hard-to-find people ``within minutes.'' Their advertising copy says ``you can use whatever information you have - the name, address or social security number - to get the information you need,'' including birth dates, maiden names, and previous addresses. After widespread objections and pressure from Congress in 1996, the company offered an opt-out. In March 2005, the company introduced a new policy refusing to allow most people to opt out, and requiring burdensome documentation. They placed the onus on the individual to prove that the company's selling of data about the individual places the individual at risk of injury or death, or that the individual has already suffered from identity theft.
If you get a lot of direct mail you don't want from companies offering you money in the form of loans or credit cards, you might want to contact the credit reporting agencies who sell your name to them (along with their judgment on your credit worthiness). You can do this at https://www.optoutprescreen.com/ which describes itself as ``the official Consumer Credit Reporting Industry Opt-Out Prescreen website.'' They may ask for your date of birth, previous address, and Social Security Number. We're not convinced that a SSN should be necessary to carry out an opt-out transaction but as long as they insist on it we won't be able to assist you here, because we never want to be told private information about you, particularly something as dangerous as your SSN. If you use the draft letter produced by JUNKBUSTERS DECLARE you have to fill this information in yourself. These companies all have awful records on privacy. Suits by the Federal Trade Commission to stop illegal practices are a common event.
If you don't wish to use the combined https://www.optoutprescreen.com/ site, you can contact the companies separately.
Write to Trans Union, Trans Union Corporation's Name Removal Option, P.O. Box 505 Woodlyn PA 19094 (1-888-5OPTOUT or (1-888-567 8688)You may also want to request a copy of your credit report to check for errors (which are quite common). If you have ``opted-out'' your credit report may be marked ``Blocked for Promotional Purpose.''Trans Union's phone system records your opt-out details, which they may share with the following two companies.
Write to Equifax, PO Box 105873, Atlanta GA 30348 Equifax's brochureware boasts it ability to locate ``hard-to-find consumers'' and its ``powerful analytical tools that predict consumer behavior such as who is most likely to pay -- and when.'' Knowledge is power, and knowledge about you is power over you. Privacy advocates objected when Equifax was awarded a privacy seal by BBBOnline. [CNET]
Write to Experian, Consumer Opt Out, 701 Experian Parkway, Allen, TX 75013 (1-800-353-0809) (formerly a division of TRW, but since 1996 owned, along with Metromail, by Great Universal Stores Plc of Nottingham, UK). Experian seem to have a demanding procedure whereby they deign to let you off their system for two years, unless you fill out one of their forms or call 1-800-353-0809 (option 3), in which case they will abstain from making money selling financial information about you for a whole five years.
Of all the names sold for pre-approved credit offers, nearly half were produced by Experian. (``Think of these as ID-thefts waiting to happen,'' says Consumer Reports September 1997. Shred them or rip them up before discarding.)
In 1997 Experian introduced a new system that sells consumers access to their credit reports over the Web, which on its first day gave someone another person's credit report. For this reason the draft letter we produce tells them not to distribute your credit report on the Web. If you want to be able to obtain it in this way, delete that sentence.
Some people keep copies of a form letter near where they open their mail, to take advantage of the convenient postage-paid, pre-addressed Business Reply Envelopes (BREs) that many mail solicitations include. Others stuff all the junk that will fit into the BREs and mail them straight back. Reports are divided on whether using BREs for opt-out requests are effective: some people say a policy of always sending them back reduces volume considerably; others point to certain companies that don't process requests that arrive in them. Some companies may have come to the conclusion that an envelope containing anything other than the card marked ``Yes!'' will be an attempt to teach them a lesson about recycling.
You can refuse junk mail, but the post office usually just throws it away. The exception is First Class mail with designations such as "Address Service Requested." Here you write something like Return to Sender - Refused by addressee - Remove Name from Mailing List on the article and have it returned. No postage is required; simply give it to the postal service. Unlike BREs, the sender pays no extra postage for its return.
One author says third class mail can be refused by copying this message on a piece of paper:
Refusing 3rd Class Mail is allowed under Domestic Mail Manual Section D 042 'Conditions of Delivery'. Please ProcessThe paper should be wrapped around the articles with a rubber band and placed in the mail box. However it simply discarded by the Post Office rather than being returned.
If you have access to a fax machine, it provides an easy way to talk back to most companies. Look in the center of the catalog for an order form with your name printed on it. A fax number is usually given, often an 800 number. It may be marked ``orders only'' so you can try writing orders such as ``Stop mailing me'' and ``don't rent my name'' below your address and fax it to them, possibly along with your Declaration.
A U.S. Federal law gives you the power to stop any non-governmental organization from sending you further mail. You can download a copy or Form 1500 or ask for a copy to be mailed to you by telephoning a major Post Office in your area. Fill it out (it's very short), attach it to one of their opened letters, and lodge it at any Post Office. The form was originally intended to stop pornographic junk mail, but the Supreme Court of the United States has affirmed your right to stop any mail that you don't want. If the company continues to send you mail or sell your name they risk being prosecuted as criminals. Burnett comments that with this move ``name removal is virtually assured.'' (They will still store your name in their databases, but they are unlikely to continue renting it.)
We wish we could figure out how this law could be used to stop companies that resell information about you to others but never send you anything themselves.
Sending an unsolicited advertisement by fax is illegal in the U.S. and many other countries but a surprisingly large number are sent. One response is to fax them back a copy of the pertinent legislation. Our page of headlines on junk faxes explains other options for action. For example you can report them to the FCC; see their page on junk faxes and send a copy of the offending fax with a cover letter like this one to:
Consumer Information Bureau - TCPA COMPLAINT (UNSOLICITED FAX)The site junkfaxes.org has extensive documentation on suits against junk faxers.
Federal Communications Commission
445 Twelfth St. SW
Washington DC 20554
Using an autodialer (which almost all telemarketers almost always use) to call a number connected to a mobile phone or pager is also illegal.
The question of what to do about junk email, also called spam, is covered in many places on our site. See our headlines page.
We don't recommend sending enormous repeated messages to the spammer, because the network congestion that this can cause punishes innocent people as well. Many people have a policy of simply replying with a copy of whatever they were sent, along with a comment such as ``I did not wish to receive this. Please don't send me anything else.'' Unfortunately most spammers now use an invalid return address.
Some legal commentators have pointed out that the definition of a facsimile transmission in the Telephone Consumer Protection Act of 1991 is so broad as to include any computer with a printer and modem. If an email solicitation really considered were a fax under this Act, it would be illegal. The most convincing argument we have seen against the applicability of the TCPA runs as follows: if email messages were to be construed as a faxes, then Section 6.d.1.B would require a telephone number to be included in each one. Some counter that the header information is equivalent to a telephone number. This can probably be settled only by a court case or regulatory ruling. As far as we know the FCC has never issued a ruling on junk email, perhaps because nobody has petitioned them for a clarification.
It is not yet clear whether junk text messages are prohibited by the TCPA (whether they constitute a "call"). The FCC has so fair not given their opinion on this question. A case is being litigated. They are explicitly illegal in California and Europe.
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