Facing harassment over your AKC credit card?
Do you owe money on your AKC credit card? Are you receiving threats or harassing messages from debt collectors, demanding that you settle the debts on your American Kennel Club credit cards?
Debt collection harassment is defined as the act of forcing, intimidating, coercing, threatening, or manipulating a consumer into paying off a debt that has gone into delinquent status. This heinous act is carried out by debt collectors who often use the telephone as a weapon to oppress, harass, and bully; and even though they often employ the telephone as a means of communication and debt collection harassment, the harassment could come through various other means of communication, such as letters, texts, faxes, and even emails.
When you pass the AKC credit card preapproval and approval process, you enter into a legally binding contract with American Kennel, and whichever debt collector they hire is legally permitted to recover the money you owe on your American Kennel Club credit card. What they are, however, not permitted to do is use harassing, threatening, or deceptive methods to do so.
Evidently debt collection is on a rise, despite these laws; in less than a year, the Consumer Financial Protection Bureau (CFPB) recorded more than 160,000 consumer complaints concerning harassment from debt collectors. No other sector is recorded to have received that number of complaints.
As roughly 77 million Americans are currently in debt (the figure being worsened by the devastating effects of the Covid-19 pandemic), collection agencies continue to chase medical, student, auto, and mortgage debts, and best believe, they do not always do this in the most ethical of ways.
You may be one of the persons counted in this statistic, however, what you may not know is that a federal law called the Fair Debt Collection Practices Act (FDCPA) exists to protect your rights in the context of debt collection by defining exactly what a debt collector can and cannot do in the process of debt collection.
If you suspect that your rights have been violated, you should reach out to a certified attorney at 877-700-5790 to discuss your options and secure the financial compensation you are entitled to recompense for the harassment you endured over your late AKC Comenity credit card payments.
Who is American Kennel Club?
Established in 1884, American Kennel Club is the premier authority on all topics affiliated with dogs.
They provide a reliable resource for dog lovers and encourage families to adopt dogs as companions.
In partnership with their affiliated organizations, they advocate for the health and well-being of dogs, the rights of dog owners; and focus on informing the public about ways to own a dog responsibly.
The AKC rewards visa card is owned by the company and managed by Comenity Capital Bank. To find out your AKC credit card application status, or manage your AKC visa card, visit comenity.net/akc.
AKC phone number & contact information
8051 Arco Corporate Drive, Suite 100. Raleigh, NC 27617-3390
A summary of the laws that protect you against harassment
Signed into law in 1977, the laws we are about to explain have been amended many times to accommodate new developments in communication, such as texts and emails. This signifies, beyond the shadow of a doubt, that the FDCPA is committed to keeping abreast with new ways to protect your rights from debt collection harassment.
If the money you owe on your AKC visa credit card is no longer being pursued by the company’s internal collection team but has rather been transferred to a third-party collector, then you are covered by the FDCPA laws, as these laws apply only to third-party debt collectors, and not original creditors.
The following are debt collection laws outlined by the FDCPA:
- A debt collector may not use threats of violence or other criminal means to scare a consumer into paying up a debt
- A debt collector may not insult you over the collection of your AKC visa debt
- A debt collector may not say that they represent a government agency
- A debt collector may not furnish you with deceitful information on the amount or legal status of your American Kennel Club visa debt
- A debt collector may not imply that the non-payment of your AKC credit card means you are a criminal or that you will go to jail
- A debt collector may not call you excessively over only one debt, or cause your phone to ring outside the hours of 8: am – 9: pm.
Do any of this sound familiar? If yes, then you may just be getting harassed in the process of paying your AKC credit card debt. You should send a cease-and-desist letter, or better still, get in touch with an attorney at 877-700-5790 for a no-obligation consultation.
Are you getting calls from an AKC phone number?
Are you receiving any harassing phone calls from any of these numbers?
If the answer is yes, then you are receiving calls from a known AKC phone number. You may be a victim of robocalls from the American Kennel Club. The list above is not all the numbers that American Kennel Club uses. The calls can be from different phone numbers and still be AKC calling you. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. Contact our office right away so we can start the process to stop American Kennel Club from calling you when they shouldn’t.
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication.