☎️Debt collectors calling about your Buckle credit card?
Are debt collectors calling you day and night over your unpaid Buckle credit card debt?
Have debt collectors been calling you endlessly over your Buckle Credit Card? If you have fallen behind on your Buckle card payment for some time, Buckle may decide to employ the services of a debt collector to help collect the Buckle credit card payment. Falling behind on your Buckle credit card payments can lead to accumulating balances that may incur additional interest charges.
After the devastating blow that the COVID-19 pandemic dealt to the world, more and more people are getting into debt daily. The Comenity Bank Buckle credit card is issued to their customers, and if you have collected one of those and fallen behind on payment for one reason or the other, then they may start taking steps to get the money from you. Using your Buckle credit card for cash advances can also lead to higher interest rates and additional fees.
If you fall behind on your buckle payment, then Buckle has every right to call you or to hire a debt collector to do so. What they do not have the right to do, however, is to harass you. The Buckle rewards program allows cardholders to earn points for purchases, which can be redeemed for various rewards.
If the debt collector hired by them is beginning to take things too far and you feel violated, then maybe your rights have been violated. You can reach out to a certified attorney at 📲877-700-5790. You do not need to keep enduring harassment due to a late Buckle credit card payment.
Introduction to Buckle Credit
Buckle credit is a type of credit card offered by Community Bank to customers of Buckle, a popular clothing retailer. They allow customers to earn rewards points for every dollar spent at Buckle stores or online. Cardholders can also enjoy exclusive benefits, such as free shipping and special discounts. However, like any other credit card, Buckle credit card debt can become a problem if not managed properly. It’s essential for cardholders to understand their rights and responsibilities when it comes to debt collection and credit reporting.
About the Buckle credit card
The Buckle Credit Card Account allows Buckle fans to earn rewards whenever they make purchases at Buckle stores or on the website. Cardholders receive points for every dollar spent, helping them accumulate valuable rewards.
Cardholders should be aware of the various fees associated with the Buckle credit card, including annual fees and late payment fees.
Buckle was founded in 1948. It began as a men’s clothing store called Mills Clothing in Kearney, Nebraska. Over the years, Buckle has evolved and today, they operate more than 450 retail stores in 42 states that offer various casual clothing for men, women, and children. They offer denim too.
To enjoy your Buckle credit card and fully utilize the rewards given, users have to be regular Buckle shoppers. Buckle Credit Card Accounts are issued by Comenity Bank
Contact Information
- 📌Address: Buckle, Inc. 2407 W 24th Street, Kearney, NE 68845
- ☎️Tel: 800-607-9788
Understanding Comenity Bank
Comenity Bank is a financial institution that issues and manages credit cards for various retailers, including Buckle. Comenity Bank is responsible for collecting debt from customers who have fallen behind on their payments. However, Comenity Bank must comply with federal laws, such as the Fair Debt Collection Practices Act (FDCPA), which protects consumers from harassment and abuse by debt collectors. Comenity Bank may use third-party debt collectors to collect debt, but these collectors must also follow the FDCPA guidelines.
A summary of the FDCPA
The Fair Debt Collection Practices Act (also called the FDCPA) is a federal law that protects you from harassment from debt collectors trying to get buckle credit card payment from you.
This law was created to protect your rights as a consumer in the debt collection world. The FDCPA dictates what a debt collector may and may not do to you during debt collection.
Lawmakers enacted this federal law in 1977 and amended it in 1996 to address the growing number of consumer complaints about aggressive and unethical debt collection practices. Under the FDCPA, consumers can claim statutory damages of up to $1,000 if a debt collector violates their rights.
According to the FDCPA, “A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.” Having a lawyer can help you navigate the complexities of debt collection and protect your rights.
It further gave clear examples of what counts as harassment. Before we state them, you must understand that this does not apply to the original creditor. If Buckle is calling you themselves about the payment you owe, this law does not apply to them. But if they hire a debt collector who begins to call you on their behalf, then this is for them. In addition to federal laws, state laws can provide additional protections against debt collection harassment.
A debt collector may not do any of the following to you:
- 👉Engage in the use of violence, threats, or another criminal method to harm a person, their reputation, or property
- 👉Use obscene, abusive, or profane language when communicating.
- 👉Lie about their identity (False representation). Claiming to be an attorney or law enforcement officer, state or federal government, or their representative.
- 👉Tell you misleading information about the amount you owe or the legal status of your debt.
- 👉Imply that you will be arrested or imprisoned for your debt
- 👉Call your phone too many times daily
If the debt collector asking for a payment has done any of the above to you, they have violated your rights, and one of the many options available to you is to send them a letter letting them know that you feel harassed.
Debt Collection Process
The debt collection process typically begins when a customer fails to make payments on their credit card account. Comenity Bank may send letters or make phone calls to the customer to collect the debt. If the customer still fails to pay, Comenity Bank may hire a third-party debt collector to take over the collection process. Debt collectors may use various tactics to collect the debt, including sending letters, making phone calls, or even filing a lawsuit. However, debt collectors must follow the FDCPA guidelines and respect the consumer’s rights.
Consumer Rights and Credit Card Debt
Consumers have rights when it comes to credit card debt and debt collection. The FDCPA protects consumers from harassment and abuse by debt collectors. Consumers have the right to dispute debts, request validation of debts, and stop debt collectors from contacting them. Consumers also have the right to sue debt collectors for violating the FDCPA. Additionally, consumers can file complaints with the Federal Trade Commission (FTC) or their state’s attorney general if they believe a debt collector has violated the FDCPA.
Are you getting calls from a Buckle credit card phone number?
- ☎️1-866-230-0418
- ☎️1-800-695-1788
- ☎️800-607-9788
- ☎️(800) 626-1255
- ☎️(888) 427-7786
Are you receiving any harassing phone calls from any of these numbers?
If the answer is yes, you receive calls from a known phone number. You may be a victim of robocalls from the Buckle. The list above is not all the numbers that Buckle uses; the calls can be from different phone numbers and still be them calling you. Cardholders might also receive text messages from these numbers about collecting a debt. The Telephone Consumer Protection Act (TCPA) protects consumers from unwanted robocalls and automated messages from debt collectors. Contact us right away to stop the harassing calls you may be getting from a Buckle credit card phone number.
If a debt collector has contacted you in violation of the TCPA, you may have legal recourse to protect your rights.
Filing a Complaint Against a Debt Collector
If a consumer believes a debt collector has violated the FDCPA, they can file a complaint with the FTC or their state’s attorney general. Consumers can also file a lawsuit against the debt collector for damages. To file a complaint, consumers should gather evidence of the debt collector’s violations, including letters, phone records, and witness statements. Consumers should also keep a record of all interactions with the debt collector, including dates, times, and details of conversations. By filing a complaint, consumers can hold debt collectors accountable for their actions and protect their rights.
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 want to learn more about how to stop harassing calls from Buckle, call us at 📲(877) 700-5790 for immediate assistance. Alternatively, you can visit our website to explore more resources and support.
