When filling out an application for a loan or credit card, many consumers list their cell phone number along with their name, address, and other personal information. Listing a cell phone number on the application implies that the consumer is giving consent for the bank or lender to make contact with them on this number.

You can revoke consent to receive calls or text messages on your cell phone. A letter should be sent to the caller stating that they no longer have permission to make contact to your cell phone.

Sometimes a company buys a list of cell phone numbers, or "captures" your cellphone number if you call in for some reason. Neither of these constitutes legal permission to computer dial (or leave a recorded message on) your cell phone.