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.
Debt Recovery By Comenity Bank
Debt recovery isn’t always carried out by the organization to whom money is owed. Sometimes, third parties get involved in debt collection, especially if deputed by the organization to which debt is owed. When a third-party debt collector gets involved, it may include aggressive collection methods.
Luckily though, the law has the consumer covered in this case.
Debt-Collection Related Call Harassment
Ever experience rushing to pick up your phone call late in the night, only to realize it’s a bill collection call for an overdue bill you cannot even remember? Did you know it is illegal to call consumers late in the night for the purpose of debt collection?
The Telephone Consumer Protection Act (TCPA) of 1991 that regulates the use of automated calling equipment as well as unsolicited phone calls, has specified certain behavior as harassing. This includes the following practices:
- Calling consumers after 9 pm and before 8 am.
- Not identifying themselves as debt collectors, nor the entity on whose behalf the call is being made.
- Calling consumers using automated dialing equipment.
- Leaving messages regarding the debt with friends and family of consumers.
- Not bothering to verify whether the debt is a valid one or not.
- Calling incessantly; calling even after being requested not to contact.
- Abusing and threatening consumers; forcing them to sell assets to pay off debt.
- Threatening consumers with legal action where it is not applicable.
These and other practices that can lead to consumers feeling threatened, anxious, and harassed.
Calls made using autodialers are also illegal and can be stopped. How can you identify and stop an autodialer call? If you hear music upon receiving the call before being connected to a human being, you were probably contacted using an autodialer. The TCPA also governs the use of autodialers and debt collectors are liable for penalty if they continue.
Some Helpful Tips To Stop Autodialer Calls from Comenity Bank
- Get in touch with a professional TCPA lawyer to help you stop collection calls.
- Start maintaining a record of these calls and note any communication you make with the company making the recovery call.
- Write to the company requesting them to stop and maintain proof of the written communication.
About Us
Legal Rights Advocates, PLLC is a law firm that helps 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 Comenity Bank, call us at (855) 254-7841 for immediate assistance.
