Unfortunately the reality is A) filing a complaint is an exercise in futility as the National Do-Not-Call Registry law has no bureaucratic/technological teeth behind it, and B) the numbers calling are apparently easily changed, so call blocking is a perpetual cat-n-mouse game that likely will never end. What DOES have a chance of putting these folks out of business is to make their actual business model impossible to maintain through grassroots guerilla action. What I like to do with these CC-interest rate scum is to waste as much of their time as possible. I generally have to go find my card (could take a minute or two...), s l o w l y read the (totally BOGUS, of course...) numbers that I make up on the spot or have written down for such occasions. When they come back invalid, read them again, changing a number (say a 3 to an 8...). Repeat as long as possible. Bonus points for getting a mention of the NDNCR in before they get antsy and hang up. I like "Hey, I just noticed that my bank's phone number on the back of the card reads '1-800-National Do Not Call Registry' - does that mean anything?" Soon they'll be so sensitized to being punked that they will start hanging up on actual marks who may ask an innocent question or two - then they are done...
The other problem is if you have a PayPal account, they changed their privacy policy and now sell your information. If you don't like it, you have to close your PayPal account. There is no opting out of that. They don't care if you like it or not!