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. Comenity Bank and Comenity Capital Bank are both part of Bread Financial, which is responsible for issuing and managing store credit cards like the Forever 21 card. Bread Financial also oversees debt collection and credit card management, sometimes using third-party agencies to recover owed amounts.
According to Forever 21’s website, Forever 21 is the 5th largest specialty retailer in the United States. Forever 21 is considered one of the major retailers in the United States, with stores across the country.
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.
When using credit cards in stores, it is important to consider the security and encryption at the point of sale to protect customer information. Some stores have been affected by data breaches due to being unable to implement proper encryption on their point of sale systems, which can lead to unauthorized charges on customer accounts.
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 and creditors contact you regarding your Forever 21 payment
According to the FDCPA, you can place restrictions on how the collector or creditor contacting you over your Forever 21 credit card contacts you. Both debt collectors and creditors, such as Comenity Bank, must follow these rules when attempting to collect debts. 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 or creditor 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 or creditor 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 or creditor to stop contacting you. It is still very active and you can get sued.
• You can request that all communications from the creditor or debt collector be sent by mail to maintain a written record.
The Fair Debt Collection Practices Act also prohibits debt collectors and creditors 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 or creditor 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 or creditor 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 and creditors 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.
If a creditor or debt collector violates your rights during the debt collection process, you may have legal recourse.
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. Comenity Bank calling consumers is a common debt collection practice, and these calls may come from a dedicated collection line. Comenity Capital Bank, another entity under Bread Financial, may also be involved in calling consumers to collect debts. 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
Consumers may be hit with late fees or other charges as a result of these harassing calls. If you have experienced harassment or unfair debt collection practices, you may be entitled to recover money as compensation, including damages for emotional distress or statutory awards.
Introduction to the Issue
Receiving harassing phone calls from debt collectors like Comenity Bank can quickly turn into a daily source of stress and anxiety for consumers. While laws such as the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) are designed to protect consumers from unfair debt collection practices, some debt collectors still use aggressive and abusive tactics to collect debts. These tactics can include repeated phone calls, threats, and other forms of harassment that make it difficult for consumers to manage their finances and personal lives. If you’re facing this kind of debt harassment, it’s important to know that you have rights and options. Legal action is available to help you stop harassing phone calls and hold debt collectors accountable for violating fair debt collection practices. Understanding your protections under these laws is the first step toward regaining control and seeking the assistance you need to protect yourself from further harassment.
Understanding Harassment
Debt harassment isn’t just about the number of phone calls you receive—it’s about the tactics debt collectors use to pressure you into paying. This can include being called at unreasonable hours, receiving multiple calls in a single day, or being subjected to abusive or threatening language. Some debt collectors, including those working for Comenity Bank, may use auto-dialers to make repeated calls, making it feel impossible to escape the constant contact. The FDCPA specifically prohibits debt collectors from using harassing, oppressive, or abusive tactics to collect debts, such as calling with the intent to annoy or harass, or using threatening language. If you’re aware of these behaviors, you can take steps to protect yourself and seek assistance. Remember, you have the right to demand that debt collectors stop harassing you, and you can pursue legal remedies if they continue to use these unfair tactics.
Causes of Harassment
Several factors can contribute to debt harassment, especially when debt collectors are determined to collect debts at any cost. The use of auto-dialers and other automated technology allows companies like Comenity Bank to make repeated calls to consumers, often without regard for the time of day or the number of previous contacts. In some cases, debt collectors may resort to abusive or threatening language, including making threats of violence or arrest, in an attempt to intimidate consumers into paying. Additionally, some collectors may pursue debts that are not valid, have already been paid, or are outside the statute of limitations, which only adds to the frustration and stress for consumers. Being aware of these factors can help you recognize when you are being subjected to unfair debt collection practices and empower you to take action to stop the harassment.
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!
Stopping Harassment
If you’re experiencing debt harassment, there are concrete steps you can take to protect yourself and stop the unwanted calls. Start by keeping a detailed record of every call and contact from debt collectors, noting the date, time, and what was said. This documentation can be crucial if you need to take legal action. Next, send a written cease and desist letter to the debt collector, formally requesting that they stop contacting you. If the harassment continues after your request, you may have grounds to file a lawsuit for violations of the FDCPA and TCPA. For immediate assistance, consider reaching out to a law firm that specializes in debt harassment cases. Legal professionals can guide you through the process, help you file the necessary paperwork, and ensure your rights are protected every step of the way.
Seeking Legal Help
Don’t let debt harassment from Comenity Bank or any other debt collector take over your life. If you’re receiving harassing phone calls or being subjected to unfair debt collection practices, it’s important to seek legal help as soon as possible. A law firm experienced in debt harassment cases can provide the assistance and support you need to stop the calls, protect your rights, and pursue compensation for any damages you’ve suffered. They can explain your rights under the FDCPA and TCPA, help you gather evidence, and represent you in court if necessary. Take the first step toward ending the harassment—contact a law firm today for immediate assistance. You can call (877) 700-5790 to discuss your situation and find out how to stop harassing phone calls from Comenity Bank and other debt collectors for good.
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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