Getting calls about your Boscov’s credit card debt?
Are you facing harassment from a third-party collector over your Boscov’s credit card? Do you feel threatened and harassed whenever you get off the phone?
Note that the law is on your side, and debt collectors are not allowed to act disrespectfully simply because they are trying to get you to pay off the debt you have incurred on your Boscov’s credit cards.
This law is called the Fair Debt Collection Practices Act (FDCPA) and is codified as 15 U.S.C. § 1692 –1692p. This law ensures that you never have to face the unfair and harassing practices usually meted out by debt collectors in their bid to get consumers to pay Boscov’s bill.
Who Is Boscov’s?
Boscov’s is a family-owned department store chain operating across multiple states, including Pennsylvania, New York, New Jersey, Maryland, and Ohio.
The Boscov’s store credit card is issued by Comenity Capital Bank, not Boscov’s directly. When accounts fall behind, collection activity may be handled by third-party debt collectors.
| Detail | Information |
|---|---|
| Company | Boscov’s Department Store |
| Address | 4500 Perkiomen Ave, Reading, PA 19606 |
| Customer Service | 1-800-755-6391 |
| Card Issuer | Comenity Capital Bank |
What Debt Collectors Are Allowed to Do
Not every call is illegal. Here’s what collectors can legally do when collecting a Boscov’s credit card debt:
| Action | Allowed? | Notes |
|---|---|---|
| Request payment | Yes | Must be respectful and truthful |
| Contact you by phone, mail, or email | Yes | Unless you revoke consent |
| Sue you for the debt | Yes | Only within the statute of limitations |
| Attempt collection after the statute expires | Limited | Cannot threaten legal action |
| Sell or transfer the debt | Yes | Debt may change collectors |
Important: If you’re sued and ignore the summons, the court may issue a default judgment, which can lead to wage garnishment or bank levies.
Known Boscov’s Credit Card Phone Numbers
Consumers frequently report calls from the following numbers:
| Reported Phone Numbers |
|---|
| (610) 779-2000 |
| 800-755-8030 |
| 800-284-8155 |
| 800-755-7872 |
| 800-755-6391 |
This list is not exhaustive. Collectors often rotate numbers or use spoofed caller IDs.
If the calls feel excessive or threatening, document everything.
What To Do If the Calls Feel Harassing
| Step | Why It Matters |
|---|---|
| Request debt validation in writing | Confirms the debt is legitimate |
| Keep a call log (dates, times, numbers) | Evidence for complaints or lawsuits |
| Send a cease-communication letter | Forces most collectors to stop |
| Do NOT admit the debt casually | Could reset legal timelines |
| Speak with a consumer rights attorney | Protects you from costly mistakes |
Where to File Complaints (Authoritative Agencies) 2026
If you believe a collector crossed the line, report it:
| Authority | What They Handle |
|---|---|
| FTC | Illegal debt collection practices |
| CFPB | Consumer financial complaints |
| State Attorney General | State-level enforcement |
| BBB | Pattern tracking (not enforcement) |
Filing complaints helps regulators identify repeat offenders and strengthens your legal position.
Final Takeaway
Owing a Boscov’s credit card balance does not give debt collectors permission to harass you. Federal law protects you from abuse, deception, and intimidation—regardless of your financial situation.
If the calls feel aggressive, misleading, or nonstop, take it seriously. You may be entitled to compensation, and in many cases, the calls can be stopped legally.
Managing debt is key to financial health, and your Boscov’s Credit Card account should be no exception. To manage debt effectively, make timely payments and maintain a low credit utilization ratio, as high balances can harm your credit score.
Comenity Capital Bank provides convenient payment options—online, by phone, or by mail—to help you manage your debt easily. You can also use the Boscov’s website to set up automatic payments, ensuring that you never miss a payment and helping you avoid late fees.
Consumer Rights Law Firm, PLLC
Consumer Rights Law Firm, PLLC helps clients facing harassment from debt collectors, including through phone calls and other communication methods.
Call us to learn how you can stop robocalls from the American Kennel Club.
Success Stories
- Matthew was so helpful. This company was amazing. We were being hassled up to 10 times a day for a bill that was less than $1000. The person who had our account was nasty and EXTREMELY unprofessional. I sought out help from Consumer Rights Law Firm and within 45 days we had relief. So grateful to Matt for his help and professionalism. He kept us informed with every step and fulfilled everything that he said. Very grateful. Thank you
- I had an excellent experience with this law firm and want to give a special shout-out to Matthew for his outstanding work. From the very beginning, Matthew was professional, knowledgeable, and genuinely committed to helping me understand my rights. He communicated clearly every step of the way, answered all my questions, and made a stressful situation much easier to handle. Thanks to his dedication and expertise, I felt supported and confident throughout the process. I highly recommend this firm—especially Matthew—to anyone in need of top-notch consumer rights representation!
- I am incredibly grateful to Consumer Rights Law Firm, especially Scott. Initially, I was skeptical because I’m always cautious, but they never asked for any money and were upfront with all the details. I didn’t pay a dime, and the matter was quickly resolved. When Scott called to tell me it was resolved, my response was, “Wow! That was fast!”. I felt relieved. Scott is extremely professional and knowledgeable, making this process so easy. They followed through with everything we discussed, and it was all done in a short period of time. I can’t thank them enough for resolving this matter. I highly recommend Consumer Rights Law Firm.
FAQs
Q1: Does Boscov’s have a credit card?
A1: Yes, Boscov’s offers a store-branded credit card issued by Comenity Capital Bank for use at Boscov’s locations and online.
Q2: Is Boscov’s Comenity Bank?
A2: No, Boscov’s partners with Comenity Capital Bank, which issues and manages their store credit card for customer purchases and payments.
Q3: What credit score do you need for a Boscov’s credit card?
A3: Generally, a fair to good credit score (above 640) improves your approval chances for a Boscov’s Comenity credit card.
Q4: Getting calls about your Boscov’s credit card debt?
A4: If you’re receiving frequent or threatening calls about your Boscov’s debt, you may be experiencing illegal harassment under FDCPA.
Q5: What is the FDCPA and how does it help me?
A5: The Fair Debt Collection Practices Act protects you from harassment, threats, or abuse by third-party collectors like those calling for Boscov’s debt.
Q6: Can debt collectors sue me for Boscov’s credit card debt?
A6: Yes, they can sue you if you default, though they cannot threaten lawsuits if the debt is beyond the statute of limitations.
Q7: What should I do if Boscov’s sold my debt to a third party?
A7: Ask for written proof of debt and keep all agreements. Third-party collectors must legally validate any debt they attempt to collect.
Q8: Can I negotiate my Boscov’s credit card debt?
A8: Yes, you can negotiate with third-party collectors to pay a reduced amount. Always get the agreement in writing for protection.
Q9: What are common harassment tactics by debt collectors?
A9: Repeated calls, abusive language, false identity claims, and threats of violence or lawsuits are all common but illegal under FDCPA.
Q10: What are Boscov’s credit card phone numbers linked to harassment?
A10: Known numbers include (610) 779-2000, 1-800-755-8030, 1-800-284-8155, 1-800-755-7872, and 1-800-755-6391. These may relate to robocalls or debt collection attempts.
