Protecting your privacy, your time, and your peace of mind are important. We want to help you make sure you’re in control of the communications that come your way around credit, debt, and your personal finances in general.
To help you take control of these communications, we’ve already covered multiple topics:
Today, we’re going to add to the list and talk about opting out of SMS text communications
There are laws to protect you from unwanted SMS text messages. The Telephone Consumer Protection Act (TCPA) prohibits businesses from using automated equipment to contact you without your written consent. This part of the law was written to target auto-dialers and robocalls, but it applies to SMS texts as well.
Violations of the TCPA carry fines of $500 to $1,500 per violation, so companies that send thousands of texts could stack up huge fines if they aren’t careful to avoid texting people without consent.
In addition to the TCPA, the CAN-SPAM act, the California Consumer Privacy Act, and guidelines from the Cellular Telecommunications Industry Association (CTIA) make sure that any entity sending marketing texts knows to obtain consent and to have clear policies in place to be removed from text marketing lists.
This means any text message you get as part of a marketing or business campaign should include some language like “reply STOP to quit receiving text messages” or “would you like to continue to receive text messages? Reply YES or NO”.
The most common way to stop receiving texts from an automated system is to reply with the word STOP.
Some businesses also allow other phrases, like QUIT, OPT-OUT, Unsubscribe, cancel, etc. Unless the entity texting you directs you to use one of those phrases, your best bet is to use the word STOP.
Also remember that you can file a complaint with the FCC about unwanted texts the same way you’d complain about unsolicited phone calls.
Be aware that these laws don’t apply consistently to every type of company. Nonprofit organizations and political campaigns aren’t necessarily bound by these laws, but they should still honor requests to opt out of text communications.
It’s important to remember that the guidelines from the CTIA aren’t legal restrictions, but the consequences of violating their policies can be severe. If an exempt charity is sending you unsolicited texts and doesn’t honor your request to stop sending you messages, they may not be fined under the TCPA, but by violating CTIA guidelines, they may lose their cellular account.
The CTIA is made up of the cellular carriers you use for texting, like AT&T, Verizon, etc.
The way to report unwanted spam texts to your carrier is to forward the content of the message to 7726.
This spells the word SPAM on your phone number pad. Your carrier may also then ask you to confirm the phone number you got the unwanted text message from.
This step is especially important for unsolicited spam, where the sender never asked for consent to send you messages. This is the equivalent of email spam, where the sender is unknown, and likely will be impossible to enforce the TCPA against (because they sent the messages from outside the US). The best you can do against these spammers is to let your carrier know so they can block their ability to send text messages.
If you’re using an iPhone, you can block texts from a sender by following these steps:
If you use an Android device, you can block texts using the following steps
On Samsung phones, the process is similar:
On your Android smartphone, you can block messages from unknown senders to avoid getting messages in the first place. This limits your messaging to only those numbers you have added to your contacts list. Be aware that this may block messages you might want to receive if you haven’t added the sender to your contacts.
On an iPhone, you can filter unknown senders:
Then, incoming messages from unknown senders won’t create an alert and they will be filtered. You can still see them in the messages app if you select “< Filters” in the top left corner of the screen.
Other messaging apps that don’t use SMS texting, like Whatsapp, Facebook Messenger, Telegram, etc. will have their own methods for blocking unwanted messages. Depending on the app you use, check the support websites for that service to find steps to block unwanted messages.
Any texts you get that you didn’t authorize should be considered highly suspect. This is especially true if they don’t offer steps to opt-out or stop receiving future messages.
Your best bet is to assume any such message is a scam, and any interaction you have with them could leave you vulnerable. Your best bet is to report, block, and delete the message thread.
If you need help with your housing situation, debts, or credit, reach out for assistance. Don’t wait for someone to contact you, and don’t respond to unsolicited texts. Contact a nonprofit organization like Credit.org so you know you’re dealing with someone you can trust.
