Are you feeling anxious about when the next call will suddenly happen or what the folks in your house would be thinking if they knew about the debt you are overdue on? Or worse still, getting asked about ‘that overdue debt amount’ from colleagues?
Know that you are not alone.
Comenity Bank issues credit cards that can be used for retail purposes. However, when it comes to recovering the credit card bills, consumers have often faced aggressive collection tactics, including facing collection calls at any odd hour of the day and several times consistently.
What Counts as Harassment in the Guise of Debt Collection?
Collecting or recovering overdue debt isn’t harassment by itself. However, because of its potential to cause trauma, debt collection is governed by laws outlining behavior that is acceptable and actions that are not allowed during debt collection. Here are some of the practices that are illegal, for quick reference:
- Contacting consumers in the early morning hours or late night hours, after 8 pm
- Debt-related communication has to be made directly to the responsible consumer. Leaving it in the form of a message with a friend, relative, or colleague is not permissible
- Debt collectors must identify themselves and the entity on whose behalf they are attempting to contact the consumer
- Pressuring consumers to pay by selling off other assets
- Threatening legal action on consumers for non-payment of dues
- Posing as an office of court or misrepresenting their identity in any other manner
Stop Comenity Bank Harassment with FDCPA and TCPA Protections
The Fair Debt Collection Practices Act, or FDCPA as it is commonly known, outlines the above guidelines, as well as other specific practices that are illegal when carried out by debt collectors. The FDCPA also regulates third-party debt collectors, or agencies and individuals who collect overdue debt on other party’s behalf. In its efforts to curb debt collection-related harassment, the FDCPA is aided by the TCPA or Telephone Consumer Protection Act of 1991 (TCPA), which specifically regulates the use of telephones, including cell phones and mobile devices, for the purpose of debt collection. Learn more about the FDCPA and the TCPA.
Stop Comenity Bank Calls from These Numbers
Are any of the following numbers familiar? Consumers have reported harassment due to communication from Comenity Bank from these numbers. If you have been receiving comenity bank debt collection calls from any of these numbers, you have every right to stop it.
(614) 729-6090, (303) 255-5349, (303) 255-5352, (303)255-5354, (614) 212-5293, (913) 563-5511, (720) 456-3687, (913)563-5510, (614) 729-6087, (614) 729-5609.
Contact us to understand debt-related harassment and how you can put an end to it. It is important to not just stop it, but to review if you can sue for the stress and trauma caused by it. Violations to the FDCPA and TCPA guidelines are punishable by law and if proven, can result in monetary compensation being awarded to the victims as well.
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 FDCPA.
If you are interested in learning more about how to safeguard yourself better from the harassment faced from Comenity Bank, call us at (888) 692-9458 for immediate assistance.
Frequently Asked Questions
Q1: How do I stop Comenity Bank harassment calls?
You can stop Comenity Bank harassment by sending a written cease-and-desist request, documenting every call (date, time, number), and contacting an FDCPA attorney who can intervene on your behalf and pursue compensation if the law was broken.
Q2: Is it legal for Comenity Bank to call me multiple times a day?
If a third-party debt collector collecting on behalf of Comenity Bank repeatedly calls with the intent to harass, this may violate the FDCPA. State consumer protection laws may also apply to collection practices by original creditors.
Q3: Can I sue Comenity Bank for harassment?
If a debt collector violated the FDCPA or TCPA while attempting to collect a Comenity Bank debt, you may be entitled to statutory damages, actual damages where applicable, and attorney’s fees, depending on the circumstances.
Q4: How can a lawyer help me stop Comenity Bank harassment?
An FDCPA attorney can review your case for free, identify violations, send formal communications to stop the harassment, and pursue legal action if Comenity Bank broke debt collection laws.
