Think Twice Before Putting Your Mobile Number on an Application

Calls to Your Cell Phone Require Consent

The Telephone Consumer Protection Act (TCPA) requires callers that use automated dialing equipment to get consent before calling a consumer’s cell phone. If you list your cell phone number on a loan or credit card application, this implies that you are giving consent for the bank or lender to contact you on this number.

Revoke Consent

Even if you listed your cell phone number on a credit or loan application, you always have the right to revoke consent to contact you to stop unwanted calls.

Send a letter through Certified Mail, Return Receipt to the bank, collection agency, or telemarketer that is calling your cell phone. Retain a copy of this letter for your records. If you don’t have a street address, send a message via email or text. Otherwise, tell them verbally.  Make a note of the date and time, name of representative, and details of your conversation.

Seek Legal Help

If you continue to receive calls on your cell phone after requesting they stop, you may be able to bring a lawsuit against the caller. The TCPA permits consumers to recover $500 – $1500 for each call placed without the consumer’s permission. Contact a consumer rights lawyer to discuss your options.

Register with the National Do Not Call Registry

You can also register your home phone and cell phone numbers with the National Do Not Call Registry to help stop unwanted calls to your personal numbers. The National Do Not Call Registry is managed by the Federal Trade Commission.

To submit your number to the National Do Not Call Registry:

        Phone: 888-382-1222


In the future, think twice before you put your mobile number on an application. If there is a sentence or clause in an application that says you ‘give permission’ and you don’t like the wording, simply strike a line through it and place your initials next to the line.