Whether the debt is yours or not, we’re here to help!
If you are receiving harassing phone calls from 720-456-3686, you may be dealing with Comenity Bank. Many consumers report excessive calls, automated messages, and aggressive tactics from this number.
The Fair Debt Collection Practices Act (FDCPA) and Telephone Consumer Protection Act (TCPA) protect you from harassment. Whether you owe the debt or not, Comenity Bank must follow the law. If they violate your rights, you may be entitled to up to $1,000 in statutory damages per violation.
Who Is Comenity Bank
Comenity Bank is a financial institution that provides private-label credit cards for major retailers, including Victoria’s Secret, Bath & Body Works, PINK, and Ulta Beauty.
If you have a store credit card, Comenity Bank likely services your account. When payments become past due, they may contact you directly or hire third-party collectors. Understanding who is calling from 720-456-3686 helps you recognize your rights.
Is Comenity Bank a Scam
Comenity Bank is not a scam – they are a legitimate financial institution. However, if you believe their collection tactics feel aggressive, harassing, or violate federal law, you have legal protections. Many consumers report receiving excessive automated calls, threats, or misleading statements from Comenity or collectors working on their behalf. If their behavior crosses legal lines, you can take action regardless of whether you owe the debt.
Other Comenity Bank Phone Numbers You May Recognize
Comenity Bank uses multiple phone numbers to contact consumers. If you receive calls from any of these numbers, it may be Comenity:
Common Comenity Bank numbers:
- 720-456-3686
- 720-456-3687
- 877-475-3483
- 614-754-4056
- 614-754-4132
- 303-255-5349
- 303-255-5352
- 303-255-5354
- 614-212-5293
- 913-563-5511
- 913-563-5510
- 614-729-6087
- 614-729-5609
- 614-212-5292
- 614-754-4060
- 888-393-7162
- 303-209-2049
- 614-729-9031
- 855-497-8174
- 614-754-4136
- 800-695-2912
- 614-534-2516
This is not a complete list. Comenity may use other numbers not listed here. You may also receive calls from unknown numbers that belong to Comenity Bank or their collection partners.
How to Know If 720-456-3686 Is Violating Your Rights
If you believe calls from 720-456-3686 have crossed legal boundaries, recognizing the violations helps you protect your rights. The FDCPA and TCPA require Comenity to follow specific rules.
Federal law prohibits:
- Excessive calls: Calling repeatedly with intent to harass
- Calls outside legal hours: Before 8 a.m. or after 9 p.m. without permission
- Automated calls after you said stop: Each call may entitle you to $500 under TCPA
- False threats: Threatening legal action without authority
- Lying: Misrepresenting debt amount or identity
- Third-party contact: Discussing your debt with others without permission
- Ignoring cease requests: Calling after you sent written notice to stop
If 720-456-3686 has used any of these tactics, you may have grounds to take legal action.
How to Stop Harassment from 720-456-3686
If you believe 720-456-3686 is harassing you, federal law gives you specific rights and actions you can take.
- Request validation: Demand written proof of the debt including amount, original creditor, and verification you are responsible.
- Dispute the debt: If you believe it’s wrong, dispute it in writing within 30 days of first contact.
- Stop the calls: Send a written cease-and-desist letter via certified mail telling Comenity to stop all phone contact. Explicitly state “Stop calling me using automated dialing systems.”
- Document everything: Keep detailed records of every call including date, time, frequency, and what was said. Save voicemails.
- File complaints: Report violations to the (CFPB), Federal Trade Commission, or your state attorney general.
- Sue for violations: You can file a lawsuit for up to $1,000 per FDCPA violation and up to $500-$1,500 per TCPA violation.
- Get legal help: Contact Consumer Rights Law Firm at (877) 700-5790 for immediate assistance. You pay nothing out of pocket.
How Consumer Rights Law Firm Stops 720-456-3686 Harassment
Consumer Rights Law Firm, PLLC focuses on protecting consumers from debt collection harassment, including calls from Comenity Bank and 720-456-3686.
We help by:
- Reviewing all call records and documentation for FDCPA and TCPA violations
- Investigating whether Comenity provided proper debt validation
- Identifying specific violations including excessive calls, automated calls after you said stop, and threats
- Building cases based on documented harassment patterns
- Pursuing maximum compensation including statutory damages and attorney fees
- Stopping the harassment while protecting your rights
You pay nothing out of pocket. If we prove violations occurred, Comenity pays your attorney fees. The other side pays all costs. Call (877) 700-5790 for a free case evaluation.
Meet 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. His main areas of practice include 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. He fights for people who have had their rights violated and need guidance through the stressful times of debt collection. If you are receiving harassing calls from 720-456-3686, Attorney DePetrillo can help you understand your rights and hold Comenity Bank accountable.
Frequently Asked Questions About 720-456-3686
1. Who is calling me from 720-456-3686?
720-456-3686 is typically used by Comenity Bank to collect debts on store credit cards they service.
2. How can I stop calls from 720-456-3686?
Send Comenity Bank a written cease-and-desist letter via certified mail. After receiving it, they can only contact you to confirm cessation or notify you of legal action.
3. Can I get compensation if 720-456-3686 violated my rights?
Yes. You may recover up to $1,000 per FDCPA violation and up to $500-$1,500 per TCPA violation, plus attorney fees.
4. What if they keep calling after I said to stop using automated calls?
Each automated call after you told them to stop may entitle you to $500 per violation under the TCPA.
5. Can Comenity call my family or employer about my debt?
No. Discussing your debt with third parties without your consent violates the FDCPA.
6. How can Consumer Rights Law Firm help me?
We document violations, stop harassment, and pursue compensation under the FDCPA and TCPA. Call (877) 700-5790 for a free consultation at zero cost to you.
Call (877) 700-5790 now for immediate assistance with harassment from 720-456-3686.
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