Victoria’s Secret offers customers the option to shop using the Comenity Bank Angel credit card. Unlike a Visa or Amex card, this is a store card and can be used only for purchases at the Victoria’s Secret store. Like certain credit cards that give consumers rewards, this one also provides rewards such as sign up bonus, annual gifts, and fixed amounts on certain purchases. Apart from the Comenity Bank, other banks that offer store credit cards include Barclay’s and Bank of America.
However, like any other credit card, Victoria’s Secret Angel Credit Card can also leave consumers vulnerable to debt recovery related harassment calls.
Harassment from store credit card
The Angel credit card is backed by Comenity Bank , a company that offers several credit cards, including numerous store cards. While it can be easy to get a credit card from the bank, it may not be as easy to bring the debt recovery process to a stop if you fall behind on your payments.
The following are messages from users of the Victoria’s Secret Angel Credit Card who faced call harassment related to debt recovery.
“…Account was sent to recovery dept. The reps are rude and nasty. Being nasty isn’t going to make me pay any faster. They need not to harass clients and threaten them about account going to an attorney. The reps are unprofessional and some yell and interject. …” ~ Angela; January 2017
“…but their employees are rude, condescending, call multiple times/day (not just you, the card holder, but your family members, too), and then make up excuses why they’re allowed to do this,…” ~Anna; January 2017
“…Comenity continues to call me on a daily basis, 10x a day some days…” Yanna; November 2016
What is considered harassment?
Even if debt recovery is not illegal by itself, the following practices can be seen as harassment:
- Getting calls after 9 pm and before 8 am
- The caller does not identify himself or herself. They do not talk about the purpose of the call or reveal on whose behalf the call is being made
- Getting calls from automated dialers or robocallers
- Getting fax communication or advertising material over fax
- Receiving any news of an overdue debt or loan from someone else who was communicated the details by someone from Chase
- Getting incessant calls even though your number is registered on the national Do Not Call registry
What can you do to stop these calls?
The Telephone Consumer Protection Act (TCPA) has been put into place to protect consumers from the harassment and annoyance that can result from misuse of telephone communication. As a result, one of the easiest ways to stop harassment resulting from insistent calls related to your Victoria’s Secret Angel Credit Card would be to report them to the authorities.
Under the TCPA, you can get monetary compensation of up to $500 per violation. In the case of willful harassment, you can sue for three times the monetary compensation, adding up to $1500 per violation.
What you can do
To ensure quick resolution to your problem, start maintaining a record of the calls you receive for the purpose of recovering debt from the store credit card. Next, ensure you talk to a legal professional about the situation and discuss options open to you. This will help you deal with the harassment in an informed manner while the professional can assess whether the calls are a willful violation or not. Remember, willful violation carries a higher penalty.
Finally, your legal help will provide you with a definitive direction to the legal recourse available.
Stop these harassing calls now.
Getting calls insistently from these numbers: 913-563-5523, 614-212-7506 and 303-255-5104?
Getting messages related to your overdue debt from friends and relatives?
Feeling traumatized but helpless as to what can be done to stop the harassment caused by debt recovery calls on the Victoria’s Secret Angel Credit Card?
You can put a stop to it immediately, and with a single phone call. We will help you recover dues for the trauma and harassment suffered.
About Us
Legal Rights Advocates , PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Our team of attorneys, over the years, has helped countless clients get protections from debt collection practices that are deemed as unlawful and illegal under the TCPA.
If you are interested in learning more about how to stop harassment faced due to debt recovery efforts by the Comenity Bank related to Victoria’s Secret Angel Credit Card, call us at (855) 254-7841 for immediate assistance.