If your Alphaeon credit debt has been sent to collections, you are no longer dealing with Alphaeon directly. The debt collector handling your Comenity Alphaeon debt may use aggressive tactics to collect payment. Many consumers experience stress and frustration when facing repeated collection calls about their Alphaeon credit card debt.
Federal law protects you from harassment. Whether you owe the debt or not, collectors must follow the Fair Debt Collection Practices Act (FDCPA).
Who Is Alphaeon
Alphaeon is a healthcare financing company based in Irvine. The Alphaeon Credit card, issued by Comenity Capital Bank, helps patients finance medical and cosmetic procedures, plastic surgery, and wellness treatments.
Key Features:
- Flexible monthly payment plans
- Special financing options
- No annual fees or prepayment penalties
- Subject to credit approval
You can access your Alphaeon credit account online:
- Vision card: comenity.net/alphaeonvision
- Cosmetic card: comenity.net/alphaeoncosmetic
Keep your Alphaeon login details safe and never share them with debt collectors over the phone.
Alphaeon Phone Numbers
If you receive calls from any of these numbers, it may be Alphaeon or their debt collectors:
- 1-855-497-8176
- 1-888-819-1918
- (949) 284-4555
- (949) 260-1700
This is not a complete list. Alphaeon may use other numbers. You may also receive text messages about your credit card debt. If you are unsure whether a number belongs to Alphaeon, we can help you verify it at no cost.
Your Rights Under the FDCPA
Dealing with constant collection calls about your Alphaeon credit card can feel overwhelming, especially when you are already stressed about finances. The FDCPA protects you from harassment.
Debt collectors cannot:
- Tell anyone about your debt (except your spouse or attorney)
- Call your workplace if you told them it is inconvenient
- Call before 8 a.m. or after 9 p.m.
- Use threatening, abusive, or profane language
- Call repeatedly with intent to harass
- Contact you after you send a written cease-and-desist letter
- Lie about the debt amount or consequences
- Threaten actions they cannot legally take
They must:
- Send debt validation within five days of first contact
- Verify the debt if you request it
- Stop contacting you if you dispute the debt in writing
- Follow all FDCPA rules
If Alphaeon collectors violated these rules, you may be entitled to up to $1,000 per violation under the FDCPA. You do not have to face this alone – we can help you understand your rights at no cost.
What You Can Do to Stop Alphaeon Harassment
If Alphaeon collectors are harassing you, you have more power than you might realize.
Request debt validation: Demand written proof that the debt is yours and the amount is accurate. If they cannot verify it, they must stop contacting you.
Send cease-and-desist: Write to the collector via certified mail telling them to stop calling. They can only contact you to confirm cessation or notify you of legal action.
Document everything: Keep records of every call including date, time, what was said, and the phone number. Save voicemails and texts.
File complaints: Report violations to the Federal Trade Commission (FTC), (CFPB), or your state attorney general.
Know your payment options (if you owe the debt):
- Pay the full amount to resolve it immediately
- Negotiate a payment plan that fits your budget
- Consider debt consolidation if you have multiple debts
- Consult a nonprofit credit counseling agency for help
Never:
- Give out personal information over the phone to unverified callers
- Make promises to pay without verification
- Allow collectors to pressure you into payment plans you cannot afford
Get legal help: Call (877) 700-5790 for immediate assistance and a free case review.
About Consumer Rights Law Firm
Consumer Rights Law Firm, PLLC understands the stress that comes with debt collection harassment. We have seen how relentless calls about Alphaeon credit cards disrupt daily life and create constant worry.
We specialize in helping clients facing harassment from debt collectors in any form, including telephone communication. We have helped thousands of clients stop unlawful collection practices and hold collectors accountable.
We work on a contingency basis – you pay nothing out of pocket. If we prove collectors violated your rights, they pay your attorney fees, not you.
You do not have to face this alone. Call (877) 700-5790 or visit www.consumerlawfirmcenter.com for immediate assistance.
How We Stop Alphaeon Collection Harassment
When you work with us, we take immediate action to protect your rights.
We help by:
- Reviewing call records for FDCPA violations
- Investigating whether proper debt validation was provided
- Identifying harassment patterns and illegal tactics
- Building strong cases based on documented violations
- Pursuing maximum compensation under federal law
- Stopping the harassment while protecting your rights
Every call is documented. Every violation matters. If Alphaeon collectors have been harassing you with excessive calls, threats, or misleading statements, each violation may entitle you to compensation.
Call (877) 700-5790 for immediate assistance.
Important Notes About Alphaeon Accounts
Account Management:
- Make required minimum payments on time to avoid collections
- Review your credit plan regularly through the Alphaeon website
- Contact customer service if you are struggling with payments before the account goes to collections
After Paying Off Debt:
- Collectors should stop calling immediately
- Your credit report should be updated to reflect “paid in full.”
- Check your credit report to ensure information was updated correctly
- Keep payment confirmation for your records
If You Are Being Harassed:
- Contact us immediately at (877) 700-5790
- Do not wait until the harassment escalates
- We can help you understand your options and stop the calls
Frequently Asked Questions About Alphaeon Collection Harassment
1. Why is Alphaeon calling me about a debt in collections?
Once your Alphaeon account is sent to collections, debt collectors take over the collection process and may contact you to arrange payment.
2. Can Alphaeon collectors call my family or workplace?
They can only contact others to locate you and cannot discuss your debt with them. Calling your workplace after you told them not to violates the FDCPA.
3. Can I stop Alphaeon collectors from calling me?
Yes. Send a written cease-and-desist letter via certified mail. They can only contact you to confirm they will stop or notify you of legal action.
4. Do I have to pay a debt collector for my Alphaeon account?
If the debt is valid and within the statute of limitations, you may be legally obligated to pay. However, you have the right to request debt validation first.
5. Can Alphaeon collectors threaten to sue me?
Only if they actually intend to file a lawsuit and it is legally permissible. False threats violate the FDCPA.
6. What if the debt amount is wrong?
Dispute the debt in writing and request validation. Collectors must verify the amount before continuing collection efforts.
7. Can I negotiate a lower payment amount?
Yes. Many collectors will accept a settlement for less than the full amount, especially if the debt is old.
8. What if I did not open an Alphaeon account?
This could be identity theft or a mistake. Dispute the debt immediately and do not make any payments.
9. How long can collectors pursue my Alphaeon debt?
This depends on your state’s statute of limitations on debt collection, typically 3-6 years.
10. What can I do if collectors violate my rights?
Document the violations and contact us at (877) 700-5790. You may be entitled to compensation for FDCPA violations.
Call (877) 700-5790 now to stop harassment over your Alphaeon credit card.
Visit www.consumerlawfirmcenter.com to learn more about protecting yourself from collection harassment.
