Have you been receiving phone calls from Comenity Bank’s in-house collections and billing departments from any of the following numbers?
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, or 614-729-4000.
If so, they may be in violation of the Telephone Consumer Protection Act, which is also referred to as the TCPA. This is due to the fact that under the TCPA, telemarketers, banks, and debt collectors are not allowed to use either robocalls or auto dialers when attempting to contact consumers on their home phone or cell phones unless the consumers gives them consent in which to do so. In many cases, Comenity Bank’s in-house collections and billing departments simply ignores the TCPA and utilizes robo calls and auto dialers even if their customers have not given their consent.
If this is happening to you, it is incredibly important that you are aware of your consumer rights. The bottom line is that you can actually sue them in a court of law for damages, and we can help you through the entire process from start to finish. By definition, damages refer to a sum of money that the court orders the guilty party to pay you because they directly violated your rights. Under the Telephone Consumer Protection Act, violators may be liable to pay up to $500 per incident. In this situation, all of those annoying phone calls may very well be considered to be debt harassment.
So what exactly is debt harassment? In essence, debt harassment occurs when you feel that you are being abused, bullied, browbeaten, coerced, or intimidated into paying off a debt that you owe by the party or agent of the party that you owe the debt to. Typically speaking, the vast majority of debt harassment happens over the phone, which is why the TCPA comes into play in so many of these cases. That being stated, debt collectors are allowed to attempt to collect on the debt that you actually owe them. However, they are not allowed to use any methods that are considered to be menacing, or misleading to consumers.
So why do some debt collectors risk violating the law? The answer is simple. They know that the vast majority of consumers are completely unaware of their consumer rights. The bottom line is that the rotten apples in the bunch take complete advantage of people who are not in the know. However, when you do know your rights, you can do something to stop them, and that is where we can help you. You certainly do not need to continue to be a victim of debt harassment. You certainly do not need to continuously hear the phone ring and know that it is a debt collector on the other end of the line.
It is also our job to inform people across the United States that debt harassment not only exists, it is also not permitted by the federal government. The good news is each and every day more people are becoming aware of their rights. That is why the Consumer Financial Protection Bureau has received so many complaints that are related to debt collectors in recent years. In fact, the Federal Trade Commission, who is in charge of regulating fair trade in the United States, has debt collectors at the top of the list when it comes to consumer complaints.
Knowing your consumer rights is the start of the process. Actually taking action and doing something about it when your consumer rights are violated by a debt collector is the next step in the process. You can make those annoying phone calls stop, and you may very well be compensated for the problems that they caused you.
If you feel that you are being treated unfairly by Comenity Bank’s in-house collections and billing departments, please contact us immediately. Legal Rights Advocates, Inc is a consumer advocate law firm that focuses on consumer rights protection services across the Unites States. We have well over twenty-five (25) years of combined experience helping consumers that are experiencing Debt Collector Harassment, Social Security Disability issues, and a whole lot more.
LRA is truly your consumer rights advocate. We take great pride in the fact that our job is to protect you from deceptive and or abusive debt collection practices. Our goal is to assist you each and every step of the way regarding your rights for consumer protection. Please call us today for more information at 855-254-7841. We look forward to working with you.
