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Comment Re:How does this work? (Score 1) 29

The consumer gets their money back by law (over $50, at least). They get it back from the bank,. Getting the money back from the con artist is up to the bank. Normally, a credit card merchant sees the money in their account within a day or two. The card holder doesn't see the bill for up to a month. The only way the bank has to get money back from the con artist is to take it out of their account, which is empty long before the bank gets the chargeback.

Yeah, they need to set up new merchant accounts every month or two, with new bank accounts. This can be done easily, quickly, and generally automatically.

Comment Re:Do Not Call (Score 1) 120

I've been on it since a month or more before it first became active.

I get almost no telespam calls at all, and that was a huge improvement over the days before the list was active. It does work. It isn't perfect, but it helps a hell of a lot.

The people who ignore it are criminals in other ways, too. Virtually all robocalls and telespam calls are illegal in multiple ways.

On the other hand, once someone has committed a crime by calling you, they're the outlet for all your life's frustrations. You can let off any amount of steam you want, and there is nothing they can do about it without identifying themselves for criminal prosecution.

Comment Re:While you're at it... (Score 1) 120

That is the current state of things. There's really no technical reason why the do not call list could not be a realtime check built into the auto-dialers. If the number's on the list, the software should automatically delete it (or at least flag it). And there should be criminal penalties for selling software that does not do this.

Comment Re:While you're at it... (Score 1) 120

Put some teeth into the do-not-call list:

Upgrade callerID to use ANI or some other tech to prevent it from being spoofed or blocked; so we can find the bastards.

If you can figure out a technical way to do that without interfering with the legitimate reasons for spoofing Caller ID that works reliably, go for it. Get a patent, then lobby Congress to make its use mandatory.

Good luck on that.

Remove the exemption for charity and political fundraisers and pollsters.

The reason those exemptions exist is that SCOTUS case law suggests - very strongly - that not including them would make the law unconstitutional. So good luck with that, too. (I agree they should be illegal, too, but they're not.)

Remove the "existing relationship" loophole so that when you add your number the calls STOP unless you explicitly exempt them (And that exemption should be revocable.).

From what I read, that's been done, as of last year with the new rules from the FCC. From https://consumercomplaints.fcc.gov/hc/en-us/articles/202873880-Rules-and-Resources-for-Dealing-with-Unwanted-Calls-and-Texts:

An existing commercial relationship does not constitute permission to be robocalled or texted.

Consumers can take back their permission to be called or texted in any reasonable way. A calling company cannot require someone to fill out a form and mail it in as the only way to revoke consent.

Virtually all robocalls are illegal.

Remove the 31-day wait when a number is added (Seriously, WTF? I'm not buying a gun here. I don't need a cooling-off period.)

That is to allow time for the telespammers to get the updated list - that they are required by law to buy and honor. Make it too onerous to comply, and the law gets struck down.

And crank up the penalties for violations such that it will hurt even a SuperPAC... maybe add in some criminal penalties too.

I think existing law is actually sufficient. What's needed is to give the FCC about an order of magnitude (or two) more money for enforcement. They do go after the worst of the telespammers, and they do impose huge fines. They just don't have the resources to go after more than the very worst. So write your congresscritter and tell him to give them more money.

Comment Re:they need to work the other end (Score 1) 120

There are a small number of them, believe it or not. Convince them that they won't ever get any money from you, or that you'll just waste their time, and they will stop. Try http://fakenamegenrator.com/ (they guarantee the credit card numbers they generate are not real), and see how long you string the assholes along. It's the new 419 baiting.

Comment Re:I'm sure they will fully comply (Score 1) 120

Not only do I rarely get robo calls (or live telemarketing calls, for that matter), but last week I got a check in the mail for $55 because I filed a complaint with the FCC on one I did get from a class action lawsuit. The do not call list isn't perfect (and it won't stop the outright criminals, like the psychotic asshole pretending they're doing a survey), but it really, really helps, especially when combined with formal complaints on the violators.

Comment Re: Because independent variables are easier (Score 0) 142

I can't help but wonder if he owns stock in a company that makes biometric identification stuff, like facial recognition. Which, typically, runs about 80% accurate (which is to say, when you're looking for the 1% who are criminals, you'll get 20 false positive for every true positive, and another word for that is "useless.")

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