Are You Receiving Harassing Phone Calls From Comenity Bank About Your Forever 21 Account?
Are You Receiving Harassing Phone Calls From Comenity Bank About Your Forever 21 Account?
Have you asked Comenity Bank to stop calling, yet they continue to call? You may be entitled to damages under the Telephone Consumer Protection Act. Congress enacted the Telephone Consumer Protection Act, (TCPA) to stop harassing phone calls from companies like Comenity Bank. The TCPA requires in many cases that the offending companies not only stop the call but also pay damages to those they 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, Bed Bath & Beyond, BJ’s, Big Lots, Crate & Barrel, Eddie Bauer, Fashion Bug, Victoria Secret, etc.
Who is Forever 21?
According to Forever 21’s website, Forever 21 is the 5th largest specialty retailer in the United States.
A customer from Toronto named her daughter Tiev Forever Golding because she almost had her baby in a Forever 21 store. Once the child’s passport expires, they plan to legally change her first name to “FOREVER”.
The average FOREVER 21 store is 38,000 square feet, the largest is approximately 162,000 square feet and the original FASHION 21 store is only 900 square feet.
FASHION 21 rung up $700,000 in sales in its first year. The prior three businesses that occupied that building failed within the first year.
Even with the company’s tremendous growth, it still remains a family-owned business.
How does the FDCPA protect you?
You are in charge of how debt collectors contact you regarding your Forever 21 payment
According to the FDCPA, you can place restrictions on how the collector contacting you over your Forever 21 credit card contacts you. They are not allowed to call with the intent to harass, annoy, or abuse you, call you outside the hours prescribed by the FDCPA, and at your place of employment (especially if you have told them not to).
To put this in easy-to-digest points, the debt collector contacting you over your F21 credit card repayment can’t:
• Cause your phone to ring before 8 a.m. or after 9 p.m.
• Call you at your place of employment, especially when you ask them not to
• Bypass your attorney and send communications directly to you
• Reveal sensitive details about your debt to unauthorized third parties,
• The debt collector contacting you over your Comenity bank Forever 21 card must respect your cease-and-desist letter if you send one to them. Note that your Forever 21 bill doesn’t automatically disappear just because you ask the collector to stop contacting you. It is still very active and you can get sued.
The Fair Debt Collection Practices Act also prohibits debt collectors trying to get you to pay by phone from using any harassing, offensive, or abusive practices while making efforts to collect the debt.
To this effect, the debt collector contacting you over your Forever21 Comenity card payment cannot:
• Use harassing, abusive, or profane language
• Threaten you with violence, arrest, or jail time
• Cause your phone to ring repeatedly with the intent to annoy or harass you
• Place anonymous phone calls to you
• Publicly shame or defame your character.
If the debt collector has no actual proof of the debt but instead resorts to abusive, threatening, and harassing tactics, you may be dealing with a scammer. Block the number and report the caller to the FCC.
In addition, the Fair Debt Collection Practices Act states that the debt collector contacting you over bill payment must be truthful throughout the debt collection process.
They cannot lie to you about:
• Who they are
• The amount you owe
• The status of the debt (if it has exceeded the statute of limitations)
• The consequences for not paying the debt
Even though debt collectors cannot lie, they are allowed not to say anything. To get credible information about the debt and what your options are, it is best to get in touch with an attorney for legal help. You can call an A+ accredited attorney at 877-700-5790.
To get the Forever 21 Comenity bank phone number, reach the Forever 21 credit card customer service, apply for a card, learn about Forever 21 rewards, or make any other inquiries, visit Comenity.net/Forever21.
Are You Receiving Harassing Phone Calls From Comenity Bank About Your Forever 21 Account?
There are several ways companies like Forever 21 harass consumers and violate the law. The TCPA limits when and how often a company like Forever 21 can call. The TCPA also bans the use of automatic dialing systems. Some of the key parts that Forever 21 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
Forever 21 Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
614-212-7500, 614-754-4136, 800-695-2912, 614-534-2516, 720-728-3217, 844-271-2816, 614-729-6086, 614-754-4132
If the answer is yes, then you are receiving calls from a known Forever 21 phone number. You may be a victim of Forever 21 Phone Harassment. The list above is not all the numbers that Forever 21 uses. The calls can be from a different phone number and still be Forever 21 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 Forever 21 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 Forever 21 Phone Harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
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