
The latest debt-reduction robocall I received got me thinking. What would happen if I engage the next opportunity instead of just hang up?
I did a quick scan of online threads and conversations, hoping to find some good techniques to use. All I found were prank call videos, lists of various ways to announce the intended recipient's untimely death, red-faced rants and warnings. The only bit of useful information I came across was the idea that a telemarketer's time wasted by your conversation is time taken away from other potential fraud victims.
That's good enough for me, but what else can I get out of it?
I've already registered my number with the national
Do Not Call Registry, so the only ones that still come through clearly are not legitimate outfits -- and therefore are
asking to be seriously fucked with.
I want to be careful, however. I don't know the level of sophistication of the person that will eventually emerge from behind the requisite recorded greeting message. If I play it wrong, I could actually make things worse for myself. This is what I wasn't able to find online: How do you know how far you can really go?
I stop far short of yelling and violence. Finding ways to irritate the person on the other end of the line might be fun for some people, but I could care less. I'm equally uninterested in games you can play to see if you can get them to hang up first. I'm interested in bigger fish. My aim is three-fold: find out how much information they have about me, get as much information as I can about them, and report everything I can get to the
FTC.
I start with the assumption that they might know my name, number and city of residence, but that's probably it. The rest is pure improvisation.
TM: Robo-greeting.
ME: !
TM: More robo-greetings.
ME: Waiting patiently...
TM: "...push one to find out more."
ME: Push one.
TM: Hi, there! How would you like to see your monthly credit card bills cut in half?
ME: Hi, who's this?
TM: This is
Name of Company.
ME: No, what's your name? I like to know who I'm talking to.
TM: This is Paul.
ME: Hey, Paul. How's it going tonight?
TM: Not too bad, how about you?
(Establish a friendly tone and get the caller to relax a little.)
ME: Yeah, I heard your pitch on the recorded greeting, and I'm totally on board. I can't believe you guys called me today. It's... I mean... I can't tell you how much I need this right now. I'd really like to sign up.
TM: That's great! Let me just get some information from you. Is this Jason Herrboldt?
ME: Who? No, this is Mitch Walker. Do I still qualify?
TM: Mitch Walker? Sure, let's see if we can set you up.
ME: Oh, Jesus. You have no idea. I've been juggling balances, my APRs are through the roof, and I don't know what the fuck I'm going to do.
TM: Yeah, that's why we're calling. So just to verify, do you have, say, more than $20,000 in debt?
ME: Yes.
TM: And are you making more than $35,000 a year?
ME: Sure.
TM: And how many credit cards are we talking about?
ME: Hang on. Shit, where's my wallet? I have three credit cards, if you can believe it. Jesus. What the fuck happened to these pants?
TM: Your, uh...
ME: Yeah, I totally got splashed by a bus on my way home tonight. I had to change as soon as I walked in the door, and now I can't find my wallet. This fucking weather. Hope it's better where you are.
(The call can really only go one of two ways at this point. A savvy TM would know that I am fishing and would throw up a wall and just relentlessly pellet me with questions. Here's hoping it goes the other way.)
TM: Yeah, It's pretty bad here, too.
ME: You guys in Toledo?
TM: No, we're in... wait, where are you?
ME: Toledo. Aren't you calling from Toledo?
TM: No, we're in California. So we can get that APR down to zero percent for you right now, if you...
ME: Totally! I mean, I keep switching them around, trying to get a lower rate. But you know how it can be.
TM: Right, so you can...
ME: Where is it? Dammit.
TM: ...lower annual rates with no minimum balance transfer...
ME: Listen, my cell phone battery is almost dead. Can we move this along?
TM: Sure, can I just...
ME: No, I mean my phone is almost dead. How can I reach you if we get disconnected?
TM: Do you have another number I can reach you at?
ME: No, this is my only phone. It's just that, if we get cut off I want to make sure I can still get that one-time low offer.
TM: I can't give out our number...
ME: Why not? Isn't there a number for your front desk there? If we're going to do business I need to know that I can reach you in the future. If I can't get you I want to at least get someone in your department. Don't you want my credit card information?
(This is the nuclear option.)
TM: Oh, sure. If you want to...
ME: Because I'm ready to sign up right now, and I know you guys need a down-payment.
TM: How many...
ME: I just need to know how it's going to appear on my statement. My wife watches our credit cards very closely, and I need to tell her what to look for.
TM: This is
Name of Company, but we're not the bank you'll be doing business with.
ME: Right. So... shit. Seriously, I'm about to lose you. I've got my credit card information ready to go, but I want to make sure I don't lose you.
TM: OK, you can call our main number at 888-888-8888.
ME: There it is. I found my phone charger. I'm ready to go. My credit card number is... Are you ready?
TM: Yes, go ahead.
ME: Wait, did you say lower interest rates for a whole year?
At this point my only hope would be to keep the TM in a guessing maze long enough to give at least one hard working American a chance to eat dinner in peace. If it actually works, I will have confused the caller about my name and city of residence, forced them to cast doubt on the screen prompts before them, and gained the following information about their outfit:
- The name they are currently doing business as
- The first name of the person calling me
- The city they are calling from
- The number they are calling from
- Their pitch