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.
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 York, Bed Bath & Beyond, BJ’s, Big Lots, Catherines, Crate & Barrel, Eddie Bauer, Fashion Bug, Pier One Imports, Victoria Secret, Wayfair etc.
Who is American Home?
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. 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.
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. 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
American Home Phone Numbers
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 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!
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
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