How to Stop Debt Harassment from Comenity Bank
Do you find yourself caught up in a debt collection nightmare with Comenity bank? Are you currently receiving debt recovery calls from Comenity Bank and wondering how to stop the harassment stemming from these? Comenity Bank Phone Harassment could be construed as a violation of the TCPA, Telephone Consumer Protection Act, and also of the FDCPA. A court of law may find they violated your rights under the TCPA, the FDCPA, or both and have them pay statutory damages to you. First of all, if you have taken a loan from your original lender 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 engaging in.
Who is Comenity Bank?
With Headquarters in Columbus, Ohio, Comenity bank is one of the major credit card companies in the United States today. The company offers both credit and debit card services to over 93 retail stores across America using largely store-branded credit cards. Most people who have credit scores lower than what is averagely required may still be easily able to acquire a store-branded comenity bank credit card. With a clientele of over 150 retailers, this institution has been connecting consumers to their favorite retailers for over 30 years. Since the company has an in-house collection and billing department, Comenity bank debt collection harassment and comenity bank phone harassment have become very common among consumers who owe unsettled debts to the company. Comenity bank phone harassment is also recorded by consumers who have unsuccessfully sent the company a cease-and-desist letter. Besides the horrors faced by many consumers dealing with Comenity bank debt collection, there have also been several allegations of scams, financial crimes, and breach of laws such as the TCPA by the agency.
Comenity Bank Contact
PO Box 182273, Columbus, Ohio 43218. Website: https://comenity.com/
Common Comenity Bank Store Credit Cards
Forever 21 Credit Card:
The Forever 21 credit Card powered by Comenity allows consumers to earn rewards and put those rewards toward future purchases. As Forever 21 credit cardholder, you get 20 percent off your first regular-priced purchase when you open a credit card account, a $5 reward for every 300 points earned (costing $100), three points on every $1 spent at Forever 21, a $10 birthday discount, a 21 percent off discount twice a year and access to exclusive offers and promotions available only to cardholders. Comenity bank, however, advises Forever 21 cardholders to pay their bills on time to prevent fees for late payments and damages to their credit score.
Comenity Bank Express card:
Express Department Store is a store that is best known for clothing and accessories for young women and men. When you shop at the Express Department store with the Comely Bank Express credit card, you can take advantage of special credit offers and claim rewards offered by the company.
Zales Diamond card:
The Zales Diamond Card issued by Comenity bank is a standard store credit card that can be used in all Zales stores across the country and online. The card makes provisions for all Zales customers to score special financing points at the time during which they’re purchasing jewelry from Zales. Although the card offers enticing benefits, it operates based on deferred interest which can be quite expensive.
Comenity bank Ashley Stewart card:
Ashley Stewart is a plus-sized clothing brand with special store credit cards offered by Comenity Bank. The perks of getting this card include -20% off the first purchase you make with your newly acquired credit card. -20% off purchases on your birthday. -Exclusive credit card-only promotions and discounts. -Being the first to get notified about sales and special events.
Woman within Credit card:
This card is offered by Comenity Capital Bank, and can only be used at stores owned by the FullBeauty brand, Benefits of the Woman Within credit card include: – When you spent at least $25, you get $10 off on your current order plus a $10 bonus reward on your first billing statement. – If you have kept your card active in the last 12 months, you get 20% off and double points every time you spend on your card during your birthday month. – You get 2 points for every $1 spent, and a $10 reward certificate for every 400 points you earn. – If you have spent up to $75 on your cars, you get free shipping events 4 times a year – The Comenity-powered woman within card allows you to make purchases and pay in 90 days.
Comenity Bank Torrid card:
As a Torrid shopper, you are now entitled to enjoy certain rewards and exclusive offers with the Torrid Insider credit card issued by Comenity Bank. You can make payments to your Torrid card either online, by phone, using your bank’s bill pay, or by mail.
Comenity Bank Wayfair card:
You may have already noticed that there are significant changes underway for the Wayfair credit card, the first being that it is no longer being offered by Comenity Bank. The Wayfair credit card is now being offered by Citi bank.
Comenity Bank Ulta card:
If you enjoy shopping at Ulta Beauty, then you can get either the Ultamate Rewards card, the Ultamate Rewards Mastercard, or the Ultamate Rewards credit card, offered by Comenity Bank. The Ultamate Rewards Mastercard is the credit card offered to Ulta Beauty by Comenity bank and it can be used at any Ulta Beauty and anywhere else that Mastercard is accepted. However, applicants must be over the age of 18 to be granted this card. Once your Comenity-powered Ulta card is approved, you earn one extra point for each dollar you spend at Ulta Beauty, double points for every dollar spent at ulta.com, and one point for every $3 spent anywhere Mastercard is accepted.
Comenity Bank Total rewards card:
Regardless of whether you plan to visit Las Vegas in the near future or not, the Total Rewards Visa Credit card offered by Ceasers Entertainment and powered by Comenity bank can help offset the cost of your stay in over 40 resort casinos across the United States and Canada. However, balance transfers and cash advances have a high variable APR of 27.24%, and late payment and returned payment fees could cost you up to $38 each
Comenity Bank Victoria secret card:
By using the Comenity bank Victoria Secret card, you are automatically provided with an easier way to pay your bills. All you have to do is provide a checking account and fill out the required fields with all the required information. The bank also makes provisions for loyal Victoria’s Secret customers to get the PINK Credit card.
What constitutes Comenity Bank debt collection harassment?
If your creditors’ calls are stressing you out 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:
- Debt collectors are prohibited from 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.
- Debt collectors cannot make threats of harming you in person or abusing you over the telephone verbally.
- Debt collectors cannot threaten you with legal action which may not be applicable to your case at all.
- They are also not allowed to misrepresent the truth about your debt; intentionally providing you with false ‘information’ regarding the debt you owe.
- Third-party debt collectors are prohibited from 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 unauthorized persons.
- Your original lender or third-party agent must inform you that the responsibility of collecting your debt has been handed over to a debt collection agency.
- Communicating about your debt on social networks like Facebook is strictly prohibited
- Falsifying paperwork that scares you into believing that your debt is now a police or court matter is an offense.
- Debt collectors should not suggest ways in which you can pay off the debt (including selling your home or taking on another line of credit) without your permission.
- Debt collectors are prohibited from misrepresenting their identity by posing as an officer of the court.
- They are not allowed to issue threats to have you arrested or to take away your property for the fulfillment of the debt.
- Debt collectors are discouraged from engaging in unfair practices, such as depositing a post-dated check before the due date.
- Debt collectors cannot collect interest or fees that are above the debt they 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.
What does NOT count as harassment from Comenity bank debt collection?
Since we cannot classify all your interactions with comenity servicing LLC as comenity bank harassment, it is important to also let you know what is NOT classified as debt collection harassment. Under the law, Comenity bank debt collection agency can make reasonable efforts to collect what you owe them, provided that they do not abuse, threaten or harass you in the process. So, if Comenity keeps calling, you should know that it is within their right to contact you over the repayment of a debt you owe. Comenity bank harassment does not include:
- Sending you notifications to remind you about your debt.
- Comenity bank robocalls that you have consented to.
- A debt collection representative calling to discuss the status of your debt.
- Visiting your address at a reasonable time of the day or sending letters via mail.
- Taking legal action against you over your failure to respond.
How to stop calls from Comenity Bank
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 prevent yourself from going through the emotional trauma of unfair debt collection. As a result, The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) have been put into place to regulate collection practices and ensure consumers are not harmed. The FDCPA states 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 be familiar with all the legal processes; a task best entrusted to a lawyer. Furthermore, if you are facing Comenity Bank Phone Harassment for a debt you have defaulted upon, you should contact a legal professional who can guide you through the entire debt collection process and ensure that your rights are respected.
How to write a Cease-and-Desist letter
Writing a cease and desist letter is a skill that requires specific knowledge and due to the technicalities involved, we usually advise that you hand the process over to a qualified consumer rights attorney to do it on your behalf. Nevertheless, technology and the internet of things have made it a lot easier to do by providing you with information and a framework on how to go about writing a cease-and-desist letter. By the look of things, you may just be able to write a cease and desist letter by yourself, however, getting a professional to draft one up for you may be 10 times more effective, as there may be intricacies you do not know about. To write a cease-and-desist letter, all you have to do is write your name and address, write the debt collector’s name and address, the reason why you would like them to stop the harassment, and send it via certified mail. Ensure you get a return receipt as evidence that the letter has been sent. Need a professional to construct an effective cease-and-desist letter on your behalf? Call us now on 844-791-1990 to start the process.
What do you do if Comenity bank phone harassment doesn’t stop?
Asking that all your communications with Comenity bank be directed to your attorney, or sending them a cease-and-desist, ordinarily should stop comenity bank harassment, however it even after doing all the above, comenity bank phone harassment often doesn’t stop. It could be that your Comenity bank debt collection agent is contacting you because you are yet to claim your debt by responding to the 30-day validation notice they usually send after the first call, or that they didn’t get your cease-and-desist letter. It could also be that they are breaking the law and you are entitled to sue them for compensation. Usually, you have 30 days from the day you received the validation notice giving you details about your debt with Comenity servicing llc to tell them that they don’t owe the money, that it has been paid, or to ask for verification of the debt. If a Comenity servicing LLC has sent you verification of the debt without receiving a cease-and-desist letter, they may keep calling you. Now will be the best time to get your attorney involved if you are facing non-ending harassment from the Comenity phone calls you receive, despite making several attempts to get them to stop. You can reach an A+ accredited consumer rights attorney by calling (877)-700-5790.
Why hire a professional?
The FDCPA does not protect all kinds of debts. Furthermore, 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 you are likely to encounter. Armed with the knowledge that a professional consumer rights attorney provides; you will be better equipped to negotiate with your creditors better.
What if I have already settled my debt?
Comenity bank is not allowed to contact you over debts that have previously been settled or discharged in bankruptcy, neither are they allowed to misinterpret the amount that you owe in unsettled debts. If Comenity collections are calling you with information about a debt that you do not owe or that you do not remember acquiring, here are a few things that you should do:
- Inform the caller that the alleged debt has already been resolved or discharged into bankruptcy. Tell them that it may be a mix-up somewhere and politely ask that they look into it.
- You are entitled to a debt validation letter; ask for it. Comenity bank is required to send this letter to you within 5 days of their initial contact with you.
- Go through the records you have on your end to confirm if the debt actually exists, how much it is, and if it has already been resolved or settled. Examples of records to review involve old account statements and copies of canceled checks. Be sure to keep them handy as well because you may need them in court.
- Check your records with the credit bureaus. There is a high chance that if this debt exists, then it was reported to the credit bureaus.
- If you have notified the debt collector about the non-existence of the debt and all else fails, you can ask the collector to completely stop contacting you by sending them what is called a “cease and desist letter”. If you are still being contacted by Comenity collections even after sending them a cease-and-desist letter, keep track of the calls, as they may serve as evidence to take legal action against the debt collection agency or to file a complaint to the Consumer Financial Protection Bureau.
Comenity bank scams
Comenity bank calling from an unknown number
If you keep facing Comenity bank phone harassment from an unknown number, then it is very likely that you may be a victim of Community bank scam calls. Often, individuals and fraudsters who are not affiliated in any way with Comenity servicing LLC call up unsuspecting people and try to get them to make a Comenity bank payment for a debt that may not even exist. They often sound menacing and threatening, so it is extremely important to not fall for their fake Comenity phone calls.
Why is Comenity bank calling me when I do not owe them?
If you are on the receiving end of Comenity bank debt collection calls, but you do not remember incurring any debts, with Comenity bank or any of its affiliated merchants, then you may be falling victim to one of the many reported Comenity bank scams. To avoid Community bank scam calls, ask the caller to send you verification of the debt that they claim you owe or leave you alone. This should put an end to the fake Comenity phone calls you have been receiving.
Comenity Bank Phone Numbers
Are you receiving any harassing phone calls from any of these 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, 614-754-4136, 800-695-2912, 614-534-2516 800-251-1344, 913-312-9496, 901-881-9965, 650-200-1467, 866-326-0809, 202-417-2116, 360-868-6188, 303-255-5348, 800-695-2912, 614-534-2516 614-212-7500, 800-695-2912, 614-534-2516, 720-728-3217, 844-271-2816, 614-729-6086, 614-754-4132, 614-754-4056 614-534-2515, 614-212-7500, 800-695-2912, 614-534-2516, 844-271-2816, 614-729-6086, 614-754-4132, 614-754-4056 614-212-7500, 800-695-2912, 614-534-2516, 844-271-2816, 614-729-6086, 614-754-4132, 877-475-3483, 614-754-4056, 614-212-7500, 800-695-2912, 614-534-2516, 844-271-2816, 614-729-6086, 614-754-4132 844-271-2816, 614-212-7500, 913-577-5000, 614-534-2515, 614-729-6091, 614-754-4060, 614-729-5609, 614-754-4132, 801-438-8376, 208-719-3271, 303-255-5054, 614-729-7086, 614-754-4056, 614-754-4132, 614-729-5609, 614-212-5292, 614-754-4060, 888-393-7162, 303-209-2049, 614-729-9031, 855-497-8174, 800-695-2912, 614-534-2516 614-212-7500, 800-695-2912, 614-534-2516, 844-271-2816, 614-729-6086, 614-754-4132, 614-754-4056, 614-212-7500, 614-534-2515, 614-754-4137, 614-729–7086, 614-754-4060, 303-255-5054 614-212-7500, 800-695-2912, 614-534-2516, 844-271-2816, 614-729-6086, 614-754-4132, 614-754-4056, 614-212-7500, 614-534-2515, 614-754-4137, 614-729-7086, 614-754-4060, 303-205-5054 614-729-3989, 720-456-3679, 720-456-3744, 720-456-3742, 720-456-3741, 720-456-3740, 720-456-3711, 720-456-3682, 855-497-8173, 614-212-7532, 612-212-7530 , 800-695-2912, 614-534-2516, 614-729-3989, 720-456-3679, 720-456-3744, 720-456-3742, 720-456-3741, 720-456-3740, 720-456-3711, 720-456-3682, 855-497-8173, 614-212-7532, 612-212-7530 844-271-2816, 614-212-7500, 913-577-5000 614-754-4135, 614-754-4132, 614-212-5291, 913-312-3216, 913-312-9502, 720-456-3682 614-212-7500, 800-695-2912, 614-534-2516, 844-271-2816, 614-729-6086, 614-754-4132 614-212-7500, 800-695-2912, 614-534-2516, 844-271-2816, 614-729-6086, 614-754-4132 614-212-7500, 800-695-2912, 614-534-2516, 844-271-2816, 614-729-6086, 614-754-4132, 614-754-4056 614-212-7500, 614-534-2515, 614-754-4137, 614-729-7086, 614-754-4060, 303-205-5054, 208-719-3271, 801-438-8376, 614-729-9037, 800-675-5685, 855-796-9632, 888-332-4728, 888-819-1918,800-695-1788, 886.925.7109, 800.772.1413, 886.925.7109, 800-675-5685, 855-506-2496, 844-271-2552, 800 821 5744, 720-356-3688, 732-806-3199, 609-400-7010, 614-729-9025, 614-729-9031, 913-312-9488, 800-305-1215, 855-334-4198, 614-729-4000, 614-729-7670, 614-729-6040, 913-563-5522 303-255-5045, 800-695-9478, 800-220-1181, 800-854-67-55, 800-869-3557, 833-755-4354, 800-695-9583, 866-789-4961, 800-695-9583 1866-427-428,800.367.3647,800-981-7490, 888-819-1918, 1-800-675-5685, 888-245-4064, 800-695-1788, 800-376-0581,1-800-967-1398, 800-926-5393,866-907-5594, 800-695-1788, 844-271-2757, 1-844-271-2758, 877-362-7264,888-566-4353, 855-269-1622,1-844-271-2535 1-877-258-6953,1-855-567-7738, 844-271-2778, 855-506-2496, 888-621-3809, 866-308-0681, 855-617-8084, 855-603-5666, 855-567-7741, 866-832-8035, 800-995-9450, 800-395-3780, 1-866-254-9967, 888-774-8661, 855-463-6345, 800-695-5258, 866-258-0114,866-828-7755 1-888-819-1918, 866-891-3458, 1-866-843-0194, 800-387-9098, 855-408-1657, 855-266-0556, 614-729-3000, 844-271-2708, 866-507-6744, 866-810-3618, 866-507-6744, 866-810-3618, 800-201-4955, 800-767-1309, 866-512-6286, 866-284-2764, 866-283-6797, 888-252-5484 855-497-8168, 866-353-2214, 866-285-1323, 866-327-4367, 866-534-4180, 866-869-9354, 866-322-1316, 866-832-8041, 866-482-4479, 844-271-2559, 855-567-7743, 855-842-9240, 888-724-6649, 866-327-4425, 855-408-1662, 888-428-8810, 888-866-8932, 855-334-3649, 800-329-9713, 888-245-4124, 800-695-0466, 844-271-2522, 800-888-4163, 855-506-2496, 844-271-2688, 888-427-7785, 800-474-7552, 866-884-9859,1-866-907-5612, 877-756-1958, 866-308-0680, 347-374-1555, 614-754-4073, 720-456-3687, 855-437-5016, 913-312-3217, 886.925.7109, 855-408-1658,844-271-2794, 855-408-1658, 844-271-2794, 844-271-2653, 800-695-8045, 855-334-3686, 855-334-3613,866-303-5087, 888-275-2480, 888-275-2480, 866-888-1569, 800-889-0494, 800-362-8430, 855-497-8157, 1-800-695-1219, 800-304-8710, 877-851-3123, 800-367-9284, 800-723-4548, 800-252-1849, 844-271-2718, 800-767-3662, 866-234-2029, 800-217-8071, 866-807-9835, 800-695-0195, 866-283-1065, 866-522-8014, 800-927-3783, 844-271-2543, 877-206-7862, 888-724-6649, 877-287-8879 866-271-2409, 888-252-5557, 800-324-0324, 866-230-7070, 866-234-2038, 844-271-2678, 800-367-9284, 800-723-4548, 888-621-3813, 800-315-7260, 800-853-2921, 866-322-1316, 855-381-5715, 866-662-6199, 855-835-8414, 844-271-2665, 866-392-5825, 888-428-8818, 866-279-1485, 855-839-2900, 800-695-9478, 844-271-2567, 800-695-3988, 844-271-2823, 888-621-3815, 866-776-9859, 866-254-9971, 855-567-7745, 844-271-2708, 877-622-5314, 720-456-3695, 614-729-9026, 614-729-9043, 913-677-8365, 614-534-2520, 208-719-3274, 913-677-8365, 614-729-9043, 303-323-8692, 505-253-0592, 614-729-9041, 513-707-6993, 801-438-8379
If the answer is yes, then you are receiving calls from Comenity Bank phone number. You may be a victim of Comenity Bank Phone Harassment. The list above is not all the numbers that Comenity Bank uses. The calls can be from different phone numbers and still be Comenity Bank calling you. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. 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 our office right away so we can start the process to stop Comenity Bank from calling you illegally. No one should live with the harassment! 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 are currently facing harassment or are interested in learning more about how to protect yourself from Comenity Bank Phone Harassment, call us at (877)700-5790 for immediate assistance.
More about Comenity Bank
Comenity Bank debt collection is a pretty uncomfortable place to be in. If you are currently receiving Comenity Bank threats instructing you to pay up a debt that you are not sure you owe, be sure that you verify the debt to avoid a Comenity Bank scam. You can call Comenity Bank to verify the authenticity of the calls you are receiving or call us at (877)700-5790 to stop Comenity Bank harassment. If Comenity keeps calling, then you should know that Comenity Bank collections are a normal and routine part of the debt collection process. It is when they begin to harass you that they may be guilty of debt collection harassment or be a fraudster trying to pull off one of many reported Comenity Bank scams. Why is Comenity bank calling me? You may be asking. Well, Comenity collections are most likely calling you because you owe a debt that you have defaulted on and your account has been transferred to them from your original lender. If you wish to stop Comenity phone calls, then you should strongly consider sending them a cease-and-desist letter. Retaining the services of a qualified consumer rights attorney will also go a long way to help you. If you still receive unpleasant messages and phone calls from Comenity Bank collection agency even after you have told them to desist from contacting you, then you may have grounds on which to sue them for debt collection harassment. Does Comenity Bank sue? This is yet another question that may be on your mind. You should know that Comenity collections reserve the right to take you to court over the non-payment of your debts. They are, however, required to notify you of their intent to take legal actions against you. Stopping Comenity bank phone calls is very possible; the process is made miles easier with the right team of debt collection professionals on your side. Comenity Capital Bank Columbus, Ohio may be guilty of debt collection harassment.
Common Questions we get asked about Comenity Bank
Q: What do I do if I’m being harassed by a debt collection organization? A: If you are being harassed with calls from comenity bank, the first thing to do would be to confirm the legitimacy of the establishment. Once that is done, you can proceed to confirm the legitimacy of the debt claim and the interest rate on the loan. If the organization’s representative is rude, aggressive, or abusive, you can contact us to determine whether you have an actionable harassment case. Q: How many calls must I receive from Comenity Bank for it to be considered harassment? A: You do not necessarily have to receive a specified number of calls for you to have a valid harassment charge; even one or a few calls can be very intimidating. However, if a debt collection agency is incessantly calling you (especially after you have clearly expressed your wish not to be contacted again), you may have stronger proof of telephone harassment. Q: What if I’m receiving harassing text messages too? A: Aggressive or threatening text messages are also considered a form of harassment. Save evidence of any harassing text messages that you have received from Comenity bank, as you may need to present it as evidence if a court case ensues. Q: What are my rights regarding debts and debt collection practices? A: Your consumer rights are protected under Acts such as the FDCPA and TCPA. A debt collection organization is not permitted to:
- Make anonymous calls to you
- Call you at odd hours of the day
- Misinterpret the figure of your debt or interest
- Call you repeatedly, especially after you have asked them to stop.
- Threaten you with violence or jail time
- Inform the third party about your debt
Q: How do I provide evidence regarding the legitimacy of my harassment claim? A: The first step to proving your harassment claim is by knowing what does and what does not constitute a harassment claim within the confines of the law. Once that is established, it is wise to save any harassment calls you have received on your voicemail for future reference. You can find more information here. Also read: Alliant Capital Management Debt Collection Harassment Windham Professionals Phone Harassment National Enterprise Systems Harassment