# No more making payments by telephone? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [November 30, 2015, 6:51pm UTC](https://boards.straightdope.com/t/no-more-making-payments-by-telephone/739045 "2015-11-30T18:51:15Z")\ **Posts on this page:** 2\ **Page:** 1
**Author:** ![Senegoid](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/senegoid/32/6606_2.png) [@Senegoid](https://boards.straightdope.com/u/Senegoid)\ **Post date:** [November 30, 2015, 6:51pm UTC](https://boards.straightdope.com/t/no-more-making-payments-by-telephone/739045/1 "2015-11-30T18:51:15Z")
Does anybody have any knowledge, or opinions, or speculations, about this? I just saw this article today: [Phone Fraud Gets Harder as FTC Bans Payment Methods Favored by Crooks](http://www.nbcnews.com/business/consumer/phone-fraud-gets-harder-ftc-bans-payment-methods-favored-crooks-n471401) on NBC News web site. TL;DR: The FTC has banned telemarketers from using three particular methods of requesting payment by phone, which are commonly used by telemarketing fraudsters to rip people off. One of the banned methods involves asking for someone’s bank account and routing numbers, by which the fraudster can create an electronic check and clean out the mark’s bank account. It’s a bit unclear from the article if such electronic checks (created by a third party, not the bank account owner), given only the account and routing numbers, are now banned across the board, or only when done by telemarketers. But wait! This is a common method for making perfectly legitimate payments. For example, I can pay my credit card bills with just a phone call this way. It’s unclear from the article if that is now banned, but it sort of sounds like it. (Otherwise, how are legitimate pay-by-phone cases to be distinguished from fraudulent pay-by-phone cases, and who makes that decision, and when?) Anybody else heard anything about this? Know anything about it? Or, read the linked article and have an opinion on what it’s actually saying there? ---
**Author:** ![Senegoid](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/senegoid/32/6606_2.png) [@Senegoid](https://boards.straightdope.com/u/Senegoid)\ **Post date:** [November 30, 2015, 7:00pm UTC](https://boards.straightdope.com/t/no-more-making-payments-by-telephone/739045/2 "2015-11-30T19:00:53Z")
A bit of additional clarification: The article seems to state that these payment methods may no longer be used by _telemarketers._ The logic is that only fraudulent telemarketers, not honest ones, request payment by these methods. But my questions still stands: Who decides what cases are honest and which aren’t? And how? When such a check is submitted to a bank, how does the bank know if it’s an honest request that they should pay? If I pay a bill by phone, how would the bank know if it was originated by a telemarketer, or by someone I have an existing business relationship with? That’s why I wonder if payment by phone is just banned across the board, even though the article doesn’t say that. ETA: From the article: > [@](#): > > “Con artists like payments that are tough to trace and hard for people to reverse,” said Jessica Rich, director of the FTC’s Bureau of Consumer Protection. “The FTC’s new telemarketing rules ban payment methods that scammers like, but honest telemarketers don’t use,” she said in a statement. > > Susan Grant, director of consumer protection and privacy at the Consumer Federation of America (CFA), notes that the banned payment methods previously made it possible for telemarketing con artists to steal people’s money before they realized they’d been swindled. > advertisement > > “They get the money very quickly, they can get it in cash and they can get it essentially anonymously,” Grant said. “Also, consumers don’t have any dispute rights with these forms of payment to get their money back once they realize they’ve been scammed.” Really? 😕 :eek: Does this say that if there is some billing error or similar mistake, even when I make a legitimate bill payment, that I have no recourse to have that corrected (other than to complain to the biller and trust them to be honest and competent in giving me some kind of adjustment)?