Stop Comenity Bank Debt Collection Harassment Phone Calls

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Table of Contents

How to Stop Debt Harassment from Comenity Bank

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 at 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, or 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.

Is Comenity Bank charging you late fees? 

Have you ever paid your bill over the phone with a live agent and were still charged a late fee when you were on time? If you feel as though they are charging you late fees and you should not be held responsible, then call us now at (877)700-5790.

Are they calling you many times per day? If you are frustrated, then call and speak to one of our intake specialists.

Are you having issues with settling disputes with Comenity?  If any of these issues are happening, feel free to contact our office now.

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 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 phone harassment have become very common among consumers who owe unsettled debts to the company. Pone 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 Bank debt collection, there have also been several allegations of scams, financial crimes, and breaches of laws such as the TCPA by the agency.

Bread Financial Contact:

PO Box 182273, Columbus, Ohio 43218

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 however, advises Forever 21 cardholders to pay their bills on time to prevent fees for late-payments and damages to their credit score.

  • 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 customers to score special financing points at the time during which they’re purchasing jewelry. Although the card offers enticing benefits, it operates based on deferred interest, which can be quite expensive.

  • Ashley Stewart card:

Ashley Stewart is a plus-sized clothing brand with special store credit cards. 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 the credit card include: When you spend 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 four times a year. The powered woman within the 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 insider credit card. 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.

  • Ulta card:

If you enjoy shopping at Ulta Beauty, then you can get either the Ultamate Rewards card, the Mastercard, or the Rewards credit card, offered by Comenity Bank. The credit card 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 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.

  • 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 Bread Financial 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

  • Victoria Secret Card:

By using the Victoria’s 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 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, a 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 they keep calling, you should know that it is within their right to contact you over the repayment of a debt you owe. Harassment does not include:

  • Sending you notifications to remind you about your debt.
  • Robocalls that you have consented to.
  • A debt collection representative is 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 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 at 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 the bank be directed to your attorney, or sending them a cease-and-desist, ordinarily should stop the harassment, however, it even after doing all the above, harassment often doesn’t stop. It could be that the debt collection agent is contacting you because you have 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 they send 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 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?

The 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. They are 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 phone harassment from an unknown number, then it is very likely that you may be a victim of scam calls. Often, individuals and fraudsters who are not affiliated in any way with the bank will call up unsuspecting people and try to get them to make a 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 phone calls.

  • Why is Comenity bank calling me when I do not owe them?

If you are on the receiving end of debt collection calls, but you do not remember incurring any debts, with a creditor or any of its affiliated merchants, then you may be falling victim to one of the many reported bank scams. To avoid 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 phone calls you have been receiving.

Comenity Bank/ Bread Financial 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, 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, 720-456-3768, 614-729-9041, 720-456-3768, 800-695-0019, 614-729-9041, 614-534-5420, 801-438-8379, 614-534-2547, 877-475-3483, 888-865-0828, 614-754-4060, 720-456-3745, 855-957-3119, 913-677-8323, 913-677-8324, 614-729-6088, 303-255-5109, 720-728-3218, 614-212-7504, 614-754-4074, 913-312-0548, 614-212-5166, 614-212-7056, 913-312-5098, 913-563-5523, 913-677-8323, 913-677-8324, 913-563-5507, 614-729-5385, 208-719-3279, 614-729-9021, 913-312-0990

If the answer is yes, then you are receiving calls from the phone numbers above. You may be a victim of Bank phone harassment.  The list above is not all the numbers that Bread Financial uses. The calls can be from different phone numbers and still be the bank calling you. Cardholders might also receive text messages from these numbers in relation to collecting credit card debt. Stop the automated calls and unsolicited text messages. 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 the Bank from calling you illegally. No one should live with 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 Phone Harassment, call us at (877)700-5790 for immediate assistance.

More about Comenity Bank 

Debt collection is a pretty uncomfortable place to be in. If you are currently receiving 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 scam. You can call them to verify the authenticity of the calls you are receiving or call us at (877)700-5790 to stop their harassment. If they keeps calling, then you should know that calls 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 scams. Why are they calling me? You may be asking. Well, they 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 the 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 the 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 this Bank sue? This is yet another question that may be on your mind. You should know that they 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 action against you. Stopping 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.

If you are not sure of the name of the collection agency that is contact you than feel free to visit our List of Collection Agencies in the United States

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 Bread Financial, 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 them before it is 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 them, 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

Comenity Bank harassment
Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.