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Stop Comenity Bank Phone Harassment

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Legal Rights Advocates, Inc.
Legal Rights Advocates, Inc.
433 Google reviews
Rocio Estrada
Rocio Estrada
When Mark said, “ I’m looking into it right away”, he means just that. His actions matched his words. Very professional! Straight forward! Highly, highly recommend. Greatly appreciate them! Thanks again!
Eber Hays
Eber Hays
Mark was awesome and super accommodating. I called him multiple times, and he walked me through what steps I should take to verify information related to a possible debt collectors harassment. Should I ever have any further issues like this in the future I'm definitely going to be giving him a call back.
Patrick Kelley
Patrick Kelley
Mark was extremely helpful, knowledgeable and professional. Things were handled quickly and I'm glad I called them to help me. Highly recommended.
Willson Soth
Willson Soth
Working with Mark was the best experience of my life. Very knowledgeable and always make me feel secure and have a piece of mind. He help with my father case and it’s always a fast response. He always follow up with you and explain in depth with you. Highly recommended.
Lisa SuccessMindset (44&lovinit)
Lisa SuccessMindset (44&lovinit)
Are you having issues with collection agencies? Call Legal Rights Advocates! They are courteous, efficient , and go above and beyond. Thank you all so much!
Madeline Moore
Madeline Moore
LRA went above and beyond to manage my case. Mark and the team communicated promptly and effectively between parties and handled business exceedingly well. There is always an open line of communication, and any doubt or uncertainty was diminished. Mark is a “to-the-point” advocate for his clients, while working tirelessly handling claims. Fear never arose during my case because of the dedication and authority this team provides. I was made well aware of the legalities, processes, and provisions. I would recommend this team to ANYONE going into an advocacy battle. This is the team you want, to have your back! Executed the case tremendously well. Kudos to this group! Mark’s professionalism is unmatched.
Ricky Bell
Ricky Bell
Good morning I want to share my experience with default Mark who answer my email took the time heard my complaint from beginning to end and saw that it was a solution I haven't met him personally to talk with him on the phone he was more than professional just want to say thank you Mark
Cathy Rogers
Cathy Rogers
Mark was knowledgeable, prompt and courteous. He worked confidently and diligently on my case. I definitely recommend this firm and will contact them again should the need arise.
Cassie Cloyd
Cassie Cloyd
Wow! Im super impressed with Mark Gazda! I was getting 8-10 phone calls a day from a debt collector for MONTHS all on different numbers and it was severely affecting my ability to apply for jobs and even use my phone. I contacted the Legal Rights Advocates, Inc. and was matched with an incredibly knowledgeable member who not only helped me settle my debt but also won my case for me!! The settlement i got was well above my expectations and im super thankful for Mark Gazda for taking care of this major stressor in my life, he was friendly and so so helpful!

Stop Harassing Collection Calls From Comenity Bank

Approved under the consumer protection act, the Fair Debt Collection Practices Act (FDCPA) protects your rights against unfair, abusive and deceptive collection behavior.

FDCPA violations by Comenity Bank may include:

Call more than 5 times in one day

Calling before 8am or after 9pm

Use any abusive or obscene language

Contact any third party stating you owe a debt

Violence threats or any intent to harm you

Ask to pay more than what is owed

Make false or misrepresenting claims

Legal threats that you'll be arrested

We're Ready To Fight For You

If Comenity Bank has made any violation to the FDCPA, these can result in favorable decisions such as:

Cash Compensation

Receive up to $1,000 in compensation.


Trade line deletion

Removal of negative reporting to credit

Debt Waiver

You will be paid in full amount

Cease and Desist

All communication from collector to consumer

Who is Comenity Bank?

Comenity Bank offers credit card financing, including for retail stores such as Victoria’s Secret and brands like Virgin America. When shoppers fall behind on their payments to credit cards issued to them, it can lead to a debt pile-up. When companies, including Comenity Bank, attempt to recollect their dues from consumers, it can result in situations that eventually end in trauma or harassment for the consumer.

Is Comenity Bank Charging You Late Fees?

Have you found yourself in a situation where you diligently paid your bill over the phone through a live agent, only to be hit with an unexpected late fee despite being on time? If the frustration of unwarranted late fees from Comenity Bank is a scenario you’re facing, we’re here to help you navigate through it.

When faced with such circumstances, it’s essential to understand your rights as a consumer. Comenity Bank’s practices need to align with fairness and transparency. If you firmly believe that you’ve been wrongly subjected to late fees, call us at (855) 254-7841 to discuss your situation and explore potential solutions.

We are committed to advocating for your rights and ensuring that you are not held responsible for unjust late fees.

Why Is Comenity Bank Calling You?

If Comenity Bank is calling you, it’s essential to handle the situation calmly and responsibly. Follow these steps to address the situation:

  1. Verify the caller: Before providing any personal information or discussing your account, verify that the caller is genuinely representing Comenity Bank. Ask for the representative’s name, company, and a callback number.

  2. Gather information: If the call is about an unpaid debt or a credit card account, request details about the account in question. This includes the account number, outstanding balance, due date, and any associated fees or charges.

  3. Know your rights: Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA), which protects consumers from harassment and abusive debt collection practices. Debt collectors are prohibited from using threatening or abusive language, calling at unreasonable hours, or contacting you at work if you’ve requested them not to do so.

  4. Request written communication: If you prefer to communicate in writing, you can request that Comenity Bank send you information about your account through mail or email. This provides a written record of all correspondence and can help you better manage and address the situation.

Is Comenity Bank a Scam?

No, Comenity Bank is not a scam. It is a legitimate, FDIC-insured bank that provides branded credit cards for many of America’s most recognized retail stores.

While Comenity Bank is indeed a legitimate financial institution, some consumers have reported aggressive and persistent debt collection practices that could be seen as harassment. These practices include frequent phone calls at all hours, sometimes several times a day, and attempts to collect debts that have been paid off, are disputed, or are not recognized by the consumer.

Can Comenity Bank Sue Me or Garnish My Wages?

As a bank and credit card issuer, Comenity Bank does have the legal right to take certain actions to recover unpaid debts. This can include filing a lawsuit against a debtor. If Comenity Bank wins the lawsuit, they may be able to garnish your wages, depending on the laws of your state. Wage garnishment means a portion of your earnings will be withheld by your employer and sent directly to Comenity Bank until your debt is paid off.

However, it’s crucial to note that the Fair Debt Collection Practices Act (FDCPA) provides consumers with certain protections against aggressive and unfair debt collection practices. If you believe Comenity Bank has violated the FDCPA in its attempts to collect a debt from you — for instance, by threatening you, calling at all hours, or failing to verify the debt — you have the right to fight back.

Comenity Bank Phone Numbers

Comenity Bank may be calling you from all different phone numbers. When a consumer fails to pay back the credit amount owed, they can be called by the bank to recover the money.

Some of the numbers Comenity Bank may use are:

What Should I Do If I Receive Harassment Calls from Comenity Bank?

  1. Keep a record of the call: Make a note of the date, time, and content of the call. If possible, record the conversation or take notes during the call. This will be helpful if you need to take legal action later.

  2. Send a cease and desist letter: Send a written request to Comenity Bank asking them to stop contacting you. This can be done by mail or email. Once Comenity Bank receives your letter, they are legally obligated to stop contacting you.

  3. File a complaint: If you feel that Comenity Bank has violated the Fair Debt Collection Practices Act (FDCPA), you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general.

  4. Using Call Blocking Features: In case you keep receiving calls from Comenity Bank, consider utilizing call blocking options to prevent them from contacting you. Numerous phone service providers have call blocking capabilities, enabling you to block specific numbers from calling your line. 

  5. Contact a lawyer: A lawyer who specializes in debt collection harassment can provide legal representation and guidance throughout the process of filing a case. They can also help you understand your rights and options under the FDCPA, and advise you on the best course of action.

What if I Have Already Settled My Debt with Comenity Bank and They Keep Calling?

Creditors can be tenacious, and settling a debt with them doesn’t always guarantee an end to their collection efforts. It’s crucial to comprehend the reasons for ongoing calls and explore the available options to put a stop to them.

Unraveling the Motivation Behind the Calls

Once a debt is settled with a creditor, they usually update their records to indicate the current status of the account. However, this might not always halt the calls, as creditors might continue to make them for various reasons, such as:

  1. An oversight in updating the account status.
  2. A delay in relaying the updated information to their call center.
  3. A change in the account status that necessitates further action.
  4. An error in verifying the settlement.

A Closer Look At Comenity Bank Store Credit Cards

Comenity Bank offers a wide range of store credit cards catering to various consumer preferences. These cards are associated with popular retail brands and often provide enticing rewards and discounts. In this article, we’ll dive into some of the most popular store credit cards offered by Comenity Bank, outlining their unique features and benefits. However, it’s essential to exercise caution and thoroughly understand the terms and conditions before applying for any credit card.

  1. Victoria’s Secret Credit Card: The Victoria’s Secret Credit Card is perfect for loyal customers, providing rewards for purchases made at Victoria’s Secret and PINK stores. Cardholders can enjoy birthday gifts, exclusive offers and promotions, and even a PINK Credit Card for frequent shoppers. However, be aware of the high interest rates and limited use outside of Victoria’s Secret and PINK stores.

  2. Forever 21 Credit Card: Fashion enthusiasts can benefit from the Forever 21 Credit Card, which offers rewards and discounts for purchases made at Forever 21. Perks include a 20% discount on the first purchase, birthday discounts, and exclusive offers and promotions. Cardholders should pay their bills on time to avoid late payment fees and potential damage to their credit score.

  3. Express Credit Card: The Express Credit Card is designed for those who frequently shop at Express Department Store. It provides rewards and special credit offers, as well as exclusive promotions and discounts. However, the card’s utility is limited outside of Express stores.

  4. Zales Diamond Card: Jewelry lovers can take advantage of the Zales Diamond Card, which offers special financing options for purchases made at Zales stores and online. The card includes exclusive promotions and discounts, but operates on deferred interest, making it potentially costly.

  5. Ashley Stewart Credit Card: Plus-sized fashion brand Ashley Stewart offers a Comenity Bank-powered credit card, providing rewards and discounts for its customers. Perks include a 20% discount on the first purchase, birthday discounts, and exclusive promotions and discounts. However, usage is limited outside of Ashley Stewart stores.

  6. Woman Within Credit Card: The Woman Within Credit Card is offered exclusively for purchases made at FullBeauty brand stores. Cardholders can enjoy bonus rewards, birthday discounts, free shipping events, and more. Be aware of its limited use outside of FullBeauty brand stores.

  7. Torrid Credit Card: Torrid shoppers can make the most of their shopping experience with the Torrid Credit Card, which offers rewards and exclusive offers for purchases made at Torrid. Perks include easy bill payments and exclusive promotions and discounts. However, the card has limited utility outside of Torrid stores.

  8. Ulta Beauty Credit Card: Beauty enthusiasts can opt for the Ulta Beauty Credit Card, offering rewards for purchases made at Ulta Beauty. Cardholders can enjoy the Ultamate Rewards card, Ultamate Rewards Mastercard, birthday discounts, exclusive offers, and promotions. Applicants must be over 18 years old, and the card comes with high interest rates and limited use outside of Ulta Beauty stores.

  9. Total Rewards Credit Card: Ideal for travelers and entertainment lovers, the Total Rewards Credit Card offers rewards and discounts for stays at over 40 resort casinos across the US and Canada. Cardholders can offset the cost of their stay, but should be cautious of the high variable APR for balance transfers and cash advances, as well as late payment and returned payment fees.

  10. Wayfair Credit Card: Previously offered by Comenity Bank, the Wayfair Credit Card is now powered by Citi Bank. This card provides rewards for purchases made at Wayfair, Joss & Main, AllModern, Birch Lane, and Perigold. It offers special financing options and exclusive discounts, but its utility is limited outside of these stores. Be sure to check the current terms and conditions, as they may have changed with the transition to Citi Bank.

  11. Big Lots Credit Card: Big Lots shoppers can benefit from the Big Lots Credit Card, offering special financing options and rewards for purchases made at Big Lots stores. However, the card’s use is limited outside of Big Lots, and high-interest rates can quickly accumulate debt if not managed carefully.

While Comenity Bank’s store credit cards offer an array of rewards and discounts, it’s crucial to consider factors such as high interest rates, limited use and rewards, hidden fees, and low credit limits before applying. Always review the terms and conditions, interest rates, fees, and rewards associated with each specific card to make an informed decision and find the card that best suits your needs and spending habits.

Stop Debt Harassment Calls From Comenity Bank

Legal Rights Advocates, PLLC is a law firm that helps clients who are facing debt harassment and looking for ways to bring a stop to it. Our team of attorneys, over the years, has helped countless clients understand the process better, act against it as needed, and win largely successful outcomes.

Call us at (855)254-7841 for immediate assistance with our free services to put a stop to the harassment from Comenity Bank!

What Our Clients Are Saying

Legal Rights Advocates, Inc.
Based on 390 reviews
powered by Google
Levi PainterLevi Painter
04:38 28 Apr 23
Adam did a great job handling my case. Was able to get the loan dropped and now owe nothing. This company was very professional and did exactly what they said they would. Almost to good to be true!! Didn't actually believe it until I saw what they can do with my own 2 eyes. They really harrased me and kept calling over and over again. Stand up for your rights and let Adam handle your case!!!Did show up on my credit report as 4 missed payments which I did not expect because the loan was completely dropped but I am more than happy to take the hit on my credit report.
Marathon Lodge323Marathon Lodge323
15:13 19 Apr 23
The firm has been very supportive throughout the process. Adam Jeffery has communicated with me on a regular basis to keep me updated. It was a long time coming but everything turned out wonderful in the end. Thank you so much to legal rights advocates
Renee PonceRenee Ponce
19:57 23 Mar 23
Mark and Legal Rights Advocates were amazing! To begin with Mark returned my call from the website on a Sunday! In less than 2 weeks they had prepared a letter for the company on my behalf and in less than 6 weeks ALL my issues with the credit card company that was harassing me for the last year were solved! This included getting a financial bonus and making sure the credit bureaus correct my credit score! Mark was completely professional and had exceptional follow-up! VERY impressed! Thanks again!
Kendra LesleyKendra Lesley
22:40 06 Feb 23
I definitely recommend Legal Rights Advocates. I was being harassed by my credit card company they were calling a minimum of 10 times a day on the hour even ever half hour at times. Only after getting advice from Mark G on what to say to my creditors the calls stopped. Mark G is very helpful and friendly. I especially like how he follows up to make sure you aren’t having issues with your creditors.
Nick GalangNick Galang
16:46 09 Dec 22
Thank you Mark Gazda for your advice. You went above and beyond from what I initially expected, took the time to listen to my problem and also how to deal with the problem. He was very professional, communication is amazing, readily available. I'd definitely recommend him to anyone I care about!! He actually cares about his clients and You can tell it's genuine even the sincerity in his voice, he was comforting after being threatened by a collection agent. Thank you again for making my day better.
Charlene RiceCharlene Rice
05:27 16 Sep 22
When I had problems of scammers, Legal Rights Advocates was always there for me.They are always by my side when scammers were phishing for my money. They gave me timely advice on how to deal these scam crooks. I highly recommend them. So if you are having problems being harassed by scammers and robocalls, they will give you great advice. And you will have relief after taking to them. One of the best! Mark really helped me about dealing with threatening scam phone calls. He is truly a professional.He’s always by my side through thick and thin. I highly recommend.
17:20 08 Sep 22
Gathering all information needed and keeping me posted on each step of the way made my experience exemplary.I’m thankful I found my way to Legal Rights Advocates and will refer them to anybody needing their services.
Kimberlee TrainerKimberlee Trainer
22:03 21 Aug 22
Arelys was very kind and willing to work hard for me. I was able to get through to her with questions regarding my case. She later transferred to another department and Adam stepped in. He was very professional and always available anytime I had questions. He did a great job helping to bring my case to a positive closure. I am very thankful for this group of people who helped walk me through a very difficult time in my life. I highly recommend their services and thank you so much Adam.
Marie DavisMarie Davis
22:42 09 Aug 22
I needed assistance with qualifying for my Social Security disability benefits. I reached out to Legal Rights Advocates, and I am so glad I did. They were experts at navigating through the Social Security Disability maze! They provided the representation and guidance I needed. I was approved for my disability benefits! I could not have done it without the help of Legal Rights Advocates. I would highly recommend their services if you need help getting your disability benefits.
Rae JorRae Jor
19:55 05 Aug 22
I was forced to pay something in full, with false threats of me going to court if it’s not paid that same day, being told I was accused of fraud, etc. I kept trying to call the accusing company after seeing a post of people getting scammed with false threats of court. I accidentally called Mark because of what Google showed me as I was searching for that company. He asked me about the company and were specific things happening to me, I said yes confusingly. He told me what the accusing company did was illegal. He took on my case, emailed me documents, and a little over a month he got my fees and everything else waived by winning the case because what happened to me was wrong. It also caused A LOT of hardship having to pay the accusing company $1300+ instantly out of pocket the day I got the threats. Mark has also got me $500 back on top of everything being waived. I’m impressed, I’m thankful, I didn’t have to come out of pocket for ANYTHING and let me add I’m not even in the same state as him. He was also very friendly, knowledgeable and checked in with me to keep me updated. I would recommend him to anyone who was in the same situation as I when it came to a loan company making threats if I didn’t pay in full that day. I do know if it ever happens again, who I can call 😃

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