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Legal Action Taken Against Credit Companies Using Predictive Dialers for Scam

Indianapolis, Ind.,  has a lot more going on than just cleaning up after this year’s Superbowl, as five separate lawsuits were filed last week against phony credit service companies that were placing robocalls to consumers using both auto and predictive dialers.

According to Fox News, the Indiana Attorney General’s Office reported that unlucky consumers all over the country were being forced to deal with incoming calls from “Rachel at card member services,” which promised reduced interest rates on credit cards after paying a large fee. This initiated investigations on both the federal and state levels into the use of illegal robocalls. 

Teaming up to protect consumers from these costly scams, General Greg Zoeller revealed the attorney’s office had taken legal action against Consumer Credit Group (CCG) in Florida, the company behind the “Rachel” robocalls.

“The ‘Rachel’ dialer service provides leads to companies like Consumer Credit Group to generate business,” Zoeller said in a statement. “We hope this lawsuit translates into fewer robocalls to Hoosiers, but this will not be a cure-all. We believe there are numerous illegitimate companies that are paying for leads from the ‘Rachel’ callers. However, we will continue our aggressive efforts to find the source of the ‘Rachel’ calls and the companies that profit from them while victimizing Hoosiers.”

After a consumer received the call from “Rachel,” and they were then transferred to a live operator who claimed to work for CCG. However, a majority of these individuals had previously signed up for Indiana’s “Do Not Call” registry, which makes these unwarranted telemarketing calls against the law.

The Attorney General added that his office had received around 14,148 ‘”Do Not Call” complaints and out of those, 6,900 of those complaints were made in regards to calls received from credit card service companies. In fact, the office received 13 complaints against CCG specifically, and five of those victims ended up shelling out around $4,500 in the scam.

Some of the companies that have lawsuits now pending include Consumer Credit Group and Proactive Planning Solutions of Arizona, Debt Zero of California Clear, and One Advantage of Maryland and Credit Arbitrators of Texas.

Although predictive dialers were leveraged for these robocalls, this situation is a unique occurance. Typically this innovative dialer technology is utilized to get an important message out about a company or inform members of an organization about an important event. In the insurance business, SpitFire, a major provider of predictive dialers, can help increase growth rates and add millions to an Insurance agency’s bottom line. Insurance companies in most cases offer a complete suite of Insurance and financial products, thus selling many different types of insurance. So, in order to reach a large amount of people in a small amount of time and let them know all about the ins and outs regarding Long-Term Care Insurance, Group Healthcare, Defined Benefit Plans, 401ks, Deferred Compensation, Commercial Insurance, Life Insurance and Auto and Property Insurance and Insurance marketing solutions, they utilize predictive dialer solutions.

Edited by Tammy Wolf
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What Are Related Definitions You Should Know?

Related definitions that you should know as you increase your understanding of predictive dialers include:

Dialer: generic term for any computer-driven device that places outbound calls and connects the answered calls to an agent or operator.

Agent: telephone professional to whom a predictive dialer sends the ready call.

Predictive Dialer: Predictive dialing was introduced for the purpose of increasing efficiency within calling centers. They are computer based system that automatically dial groups of telephone numbers, and then passes live calls to available agents. The SpitFire Enterprise dialer utilizes sophisticated algorithms to speed up and slow down the call rate based on, number of available agents, number of available lines, the campaign’s average call time and other statistical information.

Quick Connect: Quick Connect allows your agents to log in one-to-one with a phone line. This option is great for B2B purposes, especially when your agent needs to be on the phone line through the entire call.

Fixed Dialing: Fixed Dialing gives your call center manager the power to manually set the volume of calls. The software will then automatically dial a predetermined number of lines per agent. Fixed dialing is ideal for political campaigns, charity campaigns, and other situations drop call ratios are not a factor.

Auto dialer: makes thousands of calls screening for busy signals, no answers, fax machines while detecting answering machines/voicemail and delivers pre-recorded messages. SpitFireX Auto Dialer is a low cost solution for voice broadcasting.

How Do Predictive Dialers Work?

Predictive dialers use complex mathematical algorithms that calculate, in real time:

  1. the number of available agents
  2. the number of phone lines available
  3. the probability of reaching a human being at a specific number
  4. the time between calls required for optimum agent efficiency
  5. the length of typical agent/customer or
    debtor conversations
  6. the average length of time agents require to wrap up after a call

SpitFire Enterprise Predictive SEP is a fully blended call center solution that supports unlimited lines, agents, and campaigns. Its greatest strength is in its flexibility: multiple campaigns can be set up, viewed, and changed with the click of a button. With easy options for customization, data and dispositions can be catered to each campaign. In addition to our user-friendly interface, SEPhighlights full customer data and combines multiple campaigns on one screen. All the information your agents need is accessible at a glance, freeing their energy to focus on what matters: the calls.

Keep It Simple with SpitFire Fully Integrated Call Center Software

Our greatest priority is making your call center run smoothly, and we do that by developing software that is intuitive and easily integrated with your current systems. SEP works seamlessly with most CRM applications and long distance carriers, making it the simplest and most cost-effective solution for your call center.

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Benefits of Using a Predictive Dialer

  1. Manages the process of dialing tens of thousands of calls or tens of millions of calls in its lifetime.
  2. Detects the result of the call, as an example: no answer, busy, fax, bad number, answering machine without any presence of human expertise. Consequently saving time by only transferring calls which are voice connects to the agents locally or remotely.
  3. Using predictive dialer increases the productivity of the company by drastically increasing the time agents spend on the phone talking to actual customers or prospective clients.
  4. Predictive dialer users get the ability to organize and better manage the client information, no lost notes scribbled on pieces of paper. The database used by the dialer organizes the calling structure.
  5. The most significant task done by the predictive dialer is to predict, which means always making an effort to get a live call to the available agent with the shortest amount of wait time. This is achieved by self learning algorithms within the predictive dialer to increase or decrease the dial ratio per agent, logged into the system.
  6. Inbound call can be better dealt with by allowing the customers to wait on hold in an IVR system, or a way to leave a message they'd like a callback while the agent is busy talking with other customers.
  7. Most important benefit of a predictive dialer is it reduces expenses for your company over a period of time since you do not need to buy and deploy a complex and sometimes extremely expensive PBX system. Your company will experience return of investment (ROI) in a period of six to twelve months.
  8. A predictive dialing system can effortlessly fit into your companies existing infrastructure since it is software controlled.
  9. The call routing logic and the contact management is all included in one software package. Your call routing logic implemented as per your specifications. Since it is a software package it can easily be upgraded even if you are located remotely with the help of internet.
  10. Provides an added cost effective method of managing the client database by giving the user of the predictive system ability to rework your database on previous call results.

    1. only redial records which were busy, no answers and answering machines
    2. Delete records which are bad numbers, disconnected numbers or operator intercepts
  11. Do a real time look up against the do not call database saving the predictive dialer user from accidentally calling people who have enrolled in the do National not call registry. This saves the company from lawsuits and others risks conforming to all legal statutes and FCC complaints.
  12. Provides progressive dialing capabilities like call blending which means handling inbound and outbound call at the same time.
  13. Provides ability to integrate call recording devices and call monitoring interfaces which helps call center supervisors to train agents and users and improve their customer support skills.
  14. Easy to setup and learn the predictive dialer logic and software tools.

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