There are some exceptions to the TCPA. Per the FCC, emergency alerts, charity calls, political calls, payment reminders, and calls that are purely informational are allowed to auto-dial or auto-text your phone.
While some account-related notices are authorized, banks, mortgage or student loan companies, and other debt collectors are still not allowed to harass you over the phone. Even if you have an outstanding account with an institution, it is still possible for them to unlawfully contact you under the TCPA code.
Reach out to The Lyon Firm online or by calling (513) 381-2333 for a free consultation to discuss the legal options in your specific situation.