30943: Campaign rejected: Third-party debt collection content detected

Your A2P 10DLC campaign was rejected because it involves third-party debt collection messaging. Carrier policies prohibit A2P messaging campaigns where a third-party entity attempts to collect debts on behalf of another creditor via SMS/MMS. Third-party debt collection is heavily regulated under the Fair Debt Collection Practices Act (FDCPA) and is classified as a prohibited use case for A2P 10DLC campaigns.

• Third-party collection agency messaging: The campaign is registered by a debt collection agency that collects debts owed to other companies or creditors.
• Debt recovery solicitation: The campaign content references debt recovery, past-due account collection, or payment demands on behalf of a third party.
• FDCPA-regulated communications: The campaign involves communications that fall under FDCPA third-party debt collection regulations, including balance notifications or settlement offers from a non-original creditor.

• The rejected campaign is not eligible for resubmission. A2P 10DLC campaigns involving third-party debt collection are prohibited under carrier guidelines.
• Note that first-party debt communications (where the original creditor contacts their own customers about outstanding balances) may be permissible under a different campaign use case. Consult Twilio documentation for guidance.
• If you believe this rejection was made in error, contact support.

• A2P 10DLC Registration Guide
• Campaign Registration Best Practices