Harassment over your Children’s Place credit card?
Are you being harassed by debt collectors over your Children’s Place credit card?
Debt collection harassment refers to when a debt collector resorts to bullying, threatening, coercing, intimidating, abusing, or browbeating a consumer in an attempt to get them to pay up their debts.
Harassment can occur in different ways but usually, it happens over the phone directly to the consumer. Debt collection harassment over your Children’s Place Credit Card Payment could also come in the form of the debt collector talking to your neighbors, family, friends, or co-workers about your debt.
If you owe payments on your Comenity Children’s Place credit card, they may hire debt collectors who are allowed to call you up in an attempt to get you to pay up your debt. They can contact you concerning your delinquent Children’s Place payment and recover the money from you. However, they’re not allowed to use threatening or deceptive means to do so.
According to The Consumer Financial Protection Bureau (CFPB), more than 163,000 consumer complaints about debt collection were received in only two years. It’s been said by the Federal Trade Commission that no other industry has received that many complaints.
Debt collectors from collection agencies are hired to chase and collect different kinds of debts, usually debts relating to medical bills, but it is not limited to this. They can be hired to collect mortgage payments, shopping credit card loans, student loan debt, auto loans, and other forms of personal loans.
If a debt collector is calling you regarding your Comenity Children’s Place card, do not be caught off guard. It is not strange. But if the calls about making a Children’s Place credit card payment turn into harassment, you need to put a stop to it.
You can tell the debt collector to stop harassing you because you’re aware of your rights under the FDCPA and how it prescribes that debt collectors recover a Children’s Place Payment.
If the harassment continues, then you may sue the collector in court and recover statutory damages of $1000 in addition to what is determined to be your actual damages.
Who Is Children’s Place?
Children’s Place is amongst the top specialty apparel companies that offer accessories and clothes for kids with sizes 4 to 16 (for big kids), sizes 12 months to 5 years (for toddlers), and sizes 7 lbs to 12 months (for babies). It was founded in 1969 and now operates over a thousand stores in the United States, Puerto Rico, and Canada.
The store offers the “My Place” rewards for frequent shoppers who desire to save on purchasing outfits for their young ones. The My Place Rewards Credit Card grants cardholders the opportunity to earn points on every purchase made on their Children’s Place card.
The “My Place” rewards card can only be used to purchase Children’s Place merchandise. To manage your Children’s Place credit card, you can visit comenity.net/childrensplace.
500 Plaza Dr, Secaucus, NJ 07094, USA.
What if the harassment doesn’t stop?
Letting the debt collector that is contacting you about your due Comenity Children’s Place credit card payments know that you’re aware of your rights and will not succumb to bullying may stop them. Other times, you may have to go as far as sending a cease-and-desist letter to them asking not to be contacted further.
However, some notorious debt collectors may not stop even after these. It gets worse if you do not respond to their validation notice giving you 30 days to let them know if you owe the debt or would like an official verification of the debt. If you do not respond, they will resume calling you non-stop.
If you have employed every trick in the book to stop the Children’s Place Credit Card debt collector from harassing you and they all end up futile, then you might want to consider taking legal action.
Before you take legal action, it is advisable that you first file a complaint about the harassment with your local attorney general’s office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).
After this, you may proceed to sue the debt collector harassing you over a Children’s Place payment. If you have sufficient proof of damages such as monetary damages and lost wages, your lawsuit should be aimed at collecting damages and you may be awarded up to $1,000 in statutory damages alone.
Take note that the debt collector harassing you over a Children’s Place Payment can also sue you in their attempt to collect the debt. Never ignore a lawsuit summon if it comes, else the court will never get to hear your side of the story.
If you’re suing the debt collector solely for harassment, then ensure you have concrete proof that they have violated your rights under the FDCPA.
The proof may include documentation of the calls and the times you received them, recorded phone calls (although laws in most states say you must advise a caller before recording them), saved voicemails or messages, and written correspondence (a cease-and-desist letter, for example).
Another great trick is to reach out to the debt collector or creditor before going legal, asking them to negotiate a settlement. They might reduce the amount they will accept to avoid a court hearing.
Are you getting calls from a Children’s Place credit card phone number?
Are you receiving any harassing phone calls from any of these numbers?
If the answer is yes, then you are receiving calls from a known Children’s Place credit card phone number. You may be a victim of robocalls from the Children’s Place. The list above is not all the numbers that Children’s Place uses. The calls can be from different phone numbers and still be Children’s Place calling you. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. Contact our office right away to put an end to the harassment you may be facing over your Children’s Place credit card payment.
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.