If you are receiving harassing phone calls from Comenity Bank about your Forever 21 credit card, you may be entitled to damages under the TCPA and FDCPA. Whether you owe the debt or not, Comenity must follow federal law.
Who Issues the Forever 21 Credit Card
Comenity Bank and Comenity Capital Bank (part of Bread Financial) issue and manage the Forever 21 store credit card. When payments become past due, Comenity Bank may contact you directly or use third-party collectors.
Forever 21 Phone Numbers Used by Comenity Bank
If you receive calls from any of these numbers, it may be Comenity Bank calling about your Forever 21 account:
- 614-212-7500
- 614-754-4136
- 800-695-2912
- 614-534-2516
- 720-728-3217
- 844-271-2816
- 614-729-6086
- 614-754-4132
This is not a complete list. Comenity may use other numbers not listed here. You may also receive text messages from these numbers about your Forever 21 credit card debt.
How to Know If Comenity Is Violating Your Rights on Your Forever 21 Account
Federal law prohibits specific behaviors when collecting debts on your Forever 21 credit card.
Comenity Bank cannot:
- Call before 8 a.m. or after 9 p.m. in your time zone
- Call your workplace after you told them to stop
- Use harassing, abusive, or profane language
- Threaten violence, arrest, or jail time
- Call repeatedly with the intent to annoy or harass
- Make anonymous phone calls
- Publicly shame or defame you
- Discuss your Forever 21 debt with unauthorized third parties
- Continue calling after you sent a cease-and-desist letter
- Use automated dialing systems without your consent
Comenity Bank must:
- Identify themselves and the company they represent
- Be truthful about the debt amount and status
- Maintain a “Do Not Call” list and honor requests
- Provide debt validation when requested
- Allow you to opt out during robocalls
If Comenity violated any of these rules while collecting on your Forever 21 account, you may have grounds to sue.
What You Can Do If Comenity Violates the Law on Your Forever 21 Debt
If you believe Comenity Bank has violated your rights while collecting your Forever 21 debt, federal law gives you specific protections.
- Document everything: Keep detailed records of every call, including date, time, what was said, and the phone number used. Save voicemails and text messages.
- Send cease-and-desist: Write to Comenity Bank via certified mail telling them to stop calling about your Forever 21 account. Note that your debt does not disappear, but you must stop most contact.
- Request debt validation: Demand written proof that the Forever 21 debt is yours, the amount is accurate, and Comenity has the right to collect it.
- File complaints: Report violations to the (CFPB), Federal Trade Commission (FTC), or your state attorney general.
- Sue for violations: You may recover up to $1,000 per FDCPA violation and up to $500-$1,500 per TCPA violation, plus actual damages and attorney fees.
- Get legal help: Contact Consumer Rights Law Firm at (877) 700-5790 for immediate assistance at zero cost to you.
How Consumer Rights Law Firm Stops Forever 21 Harassment
Consumer Rights Law Firm specializes in helping clients facing harassment from debt collectors about Forever 21 accounts and other store credit cards.
We help by:
- Reviewing all call records and documentation for TCPA and FDCPA violations
- Investigating whether Comenity provided proper debt validation for your Forever 21 account
- Identifying specific violations, including excessive calls, automated calls, 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 about harassment on your Forever 21 account.
What to Watch Out For: Scams vs. Legitimate Collection
If a collector has no proof of your Forever 21 debt but uses abusive, threatening, and harassing tactics, you may be dealing with a scammer.
Warning signs of scams:
- Refusing to provide debt validation
- Threatening immediate arrest or jail
- Demanding payment via gift cards or wire transfer
- Using extreme profanity or threats of violence
If you suspect a scam, block the number and report the caller to the FCC. For legitimate Comenity Bank contact about your Forever 21 account, visit Comenity.net/Forever21.
Frequently Asked Questions About Forever 21 Comenity Harassment
1. Can Comenity Bank call me about my Forever 21 account?
Yes, if you owe a debt. However, they must follow TCPA and FDCPA rules, including time restrictions and prohibitions on harassment.
2. How many times can Comenity call me about my Forever 21 debt?
There is no specific limit, but repeated calls with intent to harass violate federal law. Document excessive calling patterns.
3. Can I stop Comenity from calling about my Forever 21 account?
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. What if Comenity keeps calling after I said stop?
Each call after you sent a cease-and-desist may violate the FDCPA. Document every call and contact an attorney.
5. Can Comenity use automated calls for my Forever 21 debt?
Not without your prior consent. Automated calls without consent violate the TCPA and may entitle you to $500-$1,500 per call.
6. Will my Forever 21 debt go away if I stop the calls?
No. Stopping harassment does not eliminate the debt. You may still be sued, but collectors must follow federal law.
7. How can Consumer Rights Law Firm help with my Forever 21 harassment?
We document violations, stop illegal calls, and pursue compensation under the FDCPA and TCPA. Call (877) 700-5790 for a free consultation.
Call (877) 700-5790 now for immediate assistance with harassment about your Forever 21 account.
Visit www.consumerlawfirmcenter.com to learn more about protecting yourself from Forever 21 phone harassment.
