Do you have a Victoria’s Secret Angel credit card? If you answered yes to this question than that store credit card is actually from a company called Comenity Bank. In essence, Comenity Bank provides store credit cards for a great deal of large retailers across the country. Although this is a valuable service in concept, Comenity Bank has been known to charge incredibly high interest rates that are typically higher than many other banks that offer credit cards to their customer base.
In addition, and perhaps an even worse offense is the fact that Comenity Bank has been know to instruct their team of debt collectors to use underhanded tactics when attempting to collect a debt from customers that have fallen behind on their monthly payments. The good news is that the Federal Government has made it illegal for debt collectors, collection agencies, and lawyers to make harassing phone calls. If you are being violated by Comenity Bank, there is something that you can do about it. You have rights even if you owe a debt that is in past due or collections status.
If representatives from Comenity Bank call you on a constant and continues basis, you are certainly not alone. In fact, they have been known to make these unwarranted phone calls to consumers upwards of 10-15 times a day, day in and day out. Comenity Bank debt collectors will also call you from multiple numbers in order to trick you into thinking that you are receiving a call from another person or party. Here are just a few of the hundreds of phone numbers that Comenity Bank may be calling you from…..
800-675-5685
800-305-1215
800-695-1788
888-332-4728
855-506-2495
913-312-9488
720-356-3688
732-806-3199
609-400-7010
614-754-4136
614-729-9025
614-729-9031
614-729-6040
614-729-4000
They do this so that you will pick up the phone. The bottom line is that if they can get you to pick up the phone it greatly increases their chances of convincing you to start making payments on a payment plan. In some cases, consumers will pay off the entire balance just to get Comenity Bank collection agents to stop calling even if they cannot afford it. The good news is that you may actually be able to stop those harassing phone calls from Comenity Bank. Start by requesting that they no longer call you.
If Comenity Bank is working with a third party collection agency, they must stop calling you by law if you request it. You can back this up by sending a letter requesting them to stop any further contact. Make sure to send the letter by certified mail. Keep in mind that although the collection agency can no longer contact you directly, you still owe the debt. That means they may very well take you to court in order to collect it. If you have taken the steps as listed above, and are still receiving calls from a collection agency that is contacting you about a Comenity Bank related debt, you should consider taking legal action in order to stop the harassing phone calls.
If you feel that you are being treated unfairly by Comenity Bank or any other creditor or collection agency, the good news is that you can do something to stop it. Your days of those harassing phone calls, letters, emails, and text messages can be over. You just need to go about it the right way. Your Legal Rights Advocates is a 5 Star Nationally ranked consumer based law firm that specializes in helping consumers who are experiencing Debt Collection Harassment, Social Security Disability issues, and a whole lot more. Please call us today for more information at 855-254-7841 or visit our website. We look forward to working with you.
