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#1095770 - 12/11/08 05:25 PM Collection call from cell phone
HR Banker Offline
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Joined: Oct 2002
Posts: 1,027
Is there a problem with a loan officer making a collection call to a past due customer from their personal cell phone? Do all collection calls have to come from the bank's phones?

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General Discussion
#1095804 - 12/11/08 05:48 PM Re: Collection call from cell phone HR Banker
David Dickinson Offline
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David Dickinson
Joined: Nov 2000
Posts: 18,762
Central City, NE
I'm not aware of any restriction like this. Ensure the LO is complying with the Fair Debt Collection Practice Act.
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David Dickinson
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#1095841 - 12/11/08 06:06 PM Re: Collection call from cell phone David Dickinson
ktac MITCH Offline
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ktac MITCH
Joined: May 2005
Posts: 1,813
Giant side of TX
Just my 2cents - With the debtor having caller ID & never answering a call from The Bank . . . . Sometimes you have to call from a # other than the bank in order to get them to even talk to you.
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#1095845 - 12/11/08 06:08 PM Re: Collection call from cell phone David Dickinson
rlcarey Online
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rlcarey
Joined: Jul 2001
Posts: 79,651
Galveston, TX
Since the LO is collecting the bank's debt, while complying with the FDCPA is a good idea, that only applies to third party collectors. Review your State laws, as those will govern direct collectors of debt.
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#1096167 - 12/12/08 12:38 AM Re: Collection call from cell phone rlcarey
Andy_Z Offline
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Andy_Z
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Posts: 27,503
On the Net
While I don't believe that using a private cell violates any fairness rules, I personally wouldn't want my number on their caller ID.

I used to have an unlisted number just because of this. And still a couple of times a month, years ago when I was collecting, my dad who lives nearby would call and give me messages of folks who called him, looking for me. Yes, with my last name if you find another person with it, we have to be related.
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