Are You Receiving Harassing Phone Calls For Your American Home Account?

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

This field is for validation purposes and should be left unchanged.

Are You Receiving Harassing Phone Calls for Your American Home Account?

Are you receiving harassing phone calls for your American Home Account and wondering how to stop the harassment stemming from these? Have you asked agents of American Home to stop calling, yet they continue to call you? Wish there was a way to make the calls stop? Congress enacted Telephone Consumer Protection Act, (TCPA) to stop harassing phone calls from companies like American Home. In many cases, the offending companies are required to pay damages to those who were being harassed.

The American Home Credit Card is managed through Comenity Capital Bank. To obtain this card, customers must apply and meet specific eligibility requirements.

Credit card debt can arise when you miss out on payments for credit cards, including store cards issued by Comenity Bank for places like Abercrombie & Fitch, Ann Taylor, Apple Seed’s, Ashley Stewart, Barney’ New YorkBed Bath & Beyond, BJ’s, Big Lots, Catherines, Crate & Barrel, Eddie Bauer, Fashion Bug, Pier One Imports, Victoria Secret, Wayfair etc. It is important to keep your payment documents in order to avoid issues with your American Home Account.

Who is American Home and what is a service contract?

According to their website, American Home has been committed to making your shopping experience convenient and affordable since 1936. Our team lives in New Mexico and understands the variety of lifestyles New Mexicans love to live. American Home’s team of buyers travel to all the major markets to find just the right products. We offer hundreds of Bedrooms, Dining Rooms, and Living Rooms to choose from in addition to the largest rug department in the state and a wide selection of unique and globally curated accessories and art. Please note that any service contracts or warranties offered are separate from the original product warranty provided by the manufacturer. In addition to our wide variety of products, American Home also provides professional services to ensure customer satisfaction and support, highlighting our commitment to reliable and successful claim resolution. We shop the local competition and the internet to ensure we offer the lowest prices guaranteed.

The American Home Credit Card is managed through Comenity Capital Bank.

What happens when your American home furniture credit card debt gets transferred to a debt collector?

As an esteemed customer, when you owe debts on your American furniture credit card, they will often try to resolve the issue with you directly without involving a third party, however, if the issue gets out of hand, and you are incredibly late on your American furniture warehouse credit card payments, they may transfer your debt to a collection agency.

As we mentioned earlier, original creditors like American Home don’t necessarily want to bring in a third-party debt collector; they are only left with this choice when it becomes clear that you are unwilling or unable to resolve the debts you have amassed on your American furniture credit card. When this happens, American Home will either transfer your debt to a third-party agency for collections (upon which they earn a commission), or sell it to them for pennies on a dollar. This way, the collection agency will turn a profit if they are able to recover the full debt amount from you.

If you are way behind payments on your AFW credit card, then we advise that you act sooner, rather than later, as remaining behind on your American furniture warehouse payments can lead to serious consequences like lawsuits and wage garnishment. You are responsible for any outstanding balances and any associated costs not covered by warranties or agreements.

Nevertheless, regardless of the amount you owe on your Comenity American home card, there are certain things that third-party debt collectors cannot do in the process of collecting a debt. They are listed below.

What Debt Collectors are prohibited from doing

Under the FDCPA (the rule which protects consumers like you from unscrupulous practices engaged in by debt collectors), a collector trying to recover your American furniture warehouse credit card debt cannot do any of the following:

  • Threaten you with violence, corporal harm, arrest, or jail time
  • Use harassing, obscene, and profane language
  • Falsely imply that the non-payment of your home furnishings credit card makes you a criminal
  • Threatening to repossess or other seize your property without first going through the proper court proceedings
  • Causing your phone to ring unnecessarily by making anonymous or repeated phone calls with the intent to annoy, harass, or abuse.
  • Failing to disclose their name and details about the debt they want to recover.
  • Failing to disclose your American furniture warehouse financing options, such as the fact that you may dispute a debt you do not agree with and the collections will be halted until the collector is able to prove the debt is valid and yours.

If you have faced harassment over your American home furniture credit card debt in any of the ways listed above, now may be the best time to get in touch with an attorney.

An attorney will help you gain a clear understanding of the situation, your rights, and any compensation you may be entitled to. Reach out to an A+ accredited attorney now at 877-700-5790.

Are You Receiving Harassing Phone Calls For Your American Home Account?

There are several ways companies like American Home harass consumers and violate the law. In addition to these concerns, it is important to note that service contracts offered by American Home are distinct from any warranty provided by the manufacturer or home builder. These contracts are available for both existing and new home purchases. For New Jersey residents, the service contract is a separate agreement and not part of the manufacturer’s or home builder’s warranty, and special terms may apply for New Jersey residents.

The TCPA limits when and how often a company like American Home can call. The TCPA also bans the use of automatic dialing systems.  Some of the key parts that American Home must follow when making calls are below:

  • Companies must maintain a “Do Not Call” list and honor any request from a consumer to not be called again.
  • Marketers may not send unsolicited advertisements by auto-dialer, prerecorded voice message, or fax to anyone without prior express consent.
  • Customers must be able to opt out of future robocalls during a robocall.
  • Calling without identifying themselves or without revealing the identity of the person or company on whose behalf they are making the calls
Identifying Legitimate Calls

Protecting your home and your peace of mind starts with knowing how to identify legitimate calls from your service contract or service warranty provider. When you receive a call claiming to be from your home warranty company, always check your account details to verify if the caller is a registered service provider. Visit the official website and find the customer service contact information—legitimate companies will have their details clearly listed. If you’re unable to confirm the caller’s identity or the information doesn’t match what’s provided on the website, contact the customer service department directly. Taking these steps helps you protect your account and ensures you’re not falling victim to harassing or fraudulent calls.

Taking Action Against Harassing Calls

If you suspect a call is harassing or unauthorized, it’s important to take immediate action to protect your account and your home. Start by keeping a detailed log of each call, noting the date, time, and what was discussed. This record can be crucial if you need to report the harassment to authorities or your home warranty provider. Visit the provider’s website and click through to find resources on how to block unwanted calls and secure your account access. By staying vigilant and documenting every incident, you can protect yourself from further harassment and ensure your home and personal information remain safe.

Preventing Future Harassing Calls

Preventing unwanted calls is key to protecting your life and home from unnecessary stress. Sign up for the national do-not-call registry and make sure your phone number is registered with your home warranty or service contract provider. You can also request a separate schedule for when you’re available to receive service-related calls, making it easy to avoid disturbances during your personal time. By taking these proactive steps, you’ll enjoy a more secure and easy experience with your home warranty provider, knowing you’ve done everything possible to protect your home and maintain your peace of mind.

American Home Phone Numbers 

Are you receiving any harassing phone calls from any of these numbers?

614-754-4136800-695-2912614-534-2516, 614-729-3989, 720-456-3679, 720-456-3744, 720-456-3742, 720-456-3741, 720-456-3740, 720-456-3711, 720-456-3682, 855-497-8173, 614-212-7532, 612-212-7530

844-271-2816, 720-728-3217, 614-212-7500, 877-475-3483, 913-577-5000

If the answer is yes, then you are receiving calls from a known American Home phone number. You may be a victim of American Home Phone Harassment.  The list above is not all the numbers that American Home uses. The calls can be from a different phone number and still be American Home calling you.  Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt.

Stop the automated calls and unsolicited text messages. Comenity Bank Phone Harassment is a violation of the Telephone Consumer Protection Act which would be illegal. Regain your peace of mind while ensuring the debt collectors pay for their willfulness.

Contact our office right away so we can start the process to stop American Home from calling you illegally. No one should live with the harassment!

About Us

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.

If you are interested in learning more about how to safeguard yourself better from American Home Phone Harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com

Check out this link for more information:

https://consumer.ftc.gov/articles/debt-collection-faqs

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.