Comenity Bank Phone Harassment Violations
Are you receiving debt recovery calls from Comenity Bank and wondering how to stop the harassment stemming from these? Comenity Bank Phone Harassment is could be construed as a violation of the TCPA, Telephone Consumer Protection Act.
First of all if you have taken a loan from them and are unable to pay it back, creditors are within their rights to initiate action for debt recovery. However, this recovery needs to follow rules and there are certain practices that debt collectors are prohibited from following.
What constitutes debt harassment?
If your creditors’ calls are worrying you and causing distress and trauma, then you are facing harassment. There are also specific actions that are not allowed and if the creditor is indulging in them, it constitutes harassment.
This behavior includes:
To begin with contacting you at any time of the day, including late night or early morning. Visiting you at places you have not allowed access to, such as your workplace or residence.
Making threats of harming you in person or abusing you over the telephone verbally.
Threatening you with legal action which may not be applicable to your case at all.
Misrepresenting the truth about your debt; intentionally providing you with false ‘information’ regarding the debt you owe.
Passing on information about your debt to another person; informing the person who answers the phone or your door about your debt. Leaving a message regarding details of your debt with friends, relatives or neighbors.
Not informing you that the responsibility of collecting your debt has been handed over to a debt collection agency.
Another violation would be communicating about your debt on social networks like Facebook.
Producing paperwork that implies that your debt is now a police or court matter.
Suggesting ways in which you can pay off the debt, including selling your home or taking on another line of credit.
Posing as an officer of the court. Misrepresenting their identity.
Apart from the above, debt collectors, including collection agencies, are prohibited from using false or deceptive practices, including:
Above all threats to have you arrested or to take away your property for fulfilment of the debt.
Indulging in unfair practices, such as depositing a post-dated check before the due date.
Trying to collect an interest or fee over and above the debt you owe, if this amount is not sanctioned by the law.
In the case of a bank loan, it also constitutes harassment if the collection agents are using bank numbers to make phone calls for debt recovery.
How to stop this harassment from
Fortunately, there are rules in place to stop debt harassment from causing trauma and distress. As a consumer, you need to know what you can do to help stop it. As a result The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) has been put into place to regulate collection practices and ensure consumers are not harmed.
The FDCPA says that harassment in any form is unacceptable, while the TCPA regulates the use of automated equipment to make robocalls and send text messages. Like the FDCPA, the TCPA also protects the rights of the consumers in the face of debt-related harassment. To understand the FDCPA and the TCPA better, you need to know the legal details; a task best entrusted to a lawyer. Furthermore, if you are facing Comenity Bank Phone Harassment for a debt you have defaulted upon, you need to contact a legal professional who can guide you on its details better and also help you find a way to stop it.
Facing harassment from these Comenity Bank numbers?
(614) 729-6090, (303) 255-5349, (303) 255-5352, (303)255-5354, (614) 212-5293, (913) 563-5511, (720) 456-3687, (913)563-5510, (614) 729-6087, (614) 729-5609.
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 a professional to understand debt harassment laws better and to stop Comenity Bank from contacting you illegally.
Why a professional?
The FDCPA does not protect all kinds of debts. Further, there could be a thin line between what is legal for the debt collectors and what constitutes willful harassment. A professional can help you navigate the different aspects of your debt better and also help you deal realistically with the issue of harassment, thus:Addressing your distress directly and helping reduce the stress faced.
Helping you understand your rights better. Armed with knowledge, you can face your creditors better.
Providing you a helping hand in the form of informed support in the area of debt 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 Comenity Bank Phone Harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
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