Yes, trigger leads have gotten insane! They are totally beyond the control of your bank, but the consumer thinks you are responsible.
Our lenders are doing everything they can to pro-actively educate our applicants about them, but it stinks. Consumers have to take action themselves to opt-out of prescreening and getting on the Do-Not-Call list.
The FDIC is aware of it... see page 8 of the Spring 2023 Consumer Compliance Highlights.