Receiving nonstop calls from debt collectors about your GameStop PowerUp Rewards credit card debt can feel overwhelming and intimidating. You might be getting multiple calls per day, causing stress and anxiety about your financial situation.
If collectors are harassing you about your Comenity GameStop card debt, federal law protects you from abusive collection practices. Knowing your rights helps you recognize when collectors cross legal boundaries and potentially use their violations to your advantage through lawsuits or settlements.
What Is the GameStop PowerUp Rewards Credit Card
The GameStop PowerUp Rewards credit card allows users to shop in-store and online with payment plans for purchases. GameStop PowerUp Rewards Credit Card accounts are issued by Comenity Capital Bank.
The card is valid only for single transactions. When a single transaction has multiple shipments, each shipment may result in a separate credit plan subject to separate minimum purchase requirements and minimum interest charges.
You can manage your account at comenity.net/gamestop to view your balance and make payments.
Contact Information:
- Phone: 1-800-220-1181
- TDD/TTY: 1-800-695-1788
- Address: 625 Westport Pkwy, Grapevine, TX 76051
What Phone Numbers Does GameStop Use for Collections
GameStop and Comenity Bank contact consumers from multiple phone numbers when collecting credit card debts. If you received calls from any of these numbers, you are likely being contacted about your GameStop account:
This list is not exhaustive. Collectors might use other numbers not listed here. You might also receive text messages from these numbers. Document every call you receive, including the number, date, time, and what was said.
Federal Laws Protecting You from GameStop Harassment
Federal law shields you from harassment when collectors pursue GameStop credit card debt. The Fair Debt Collection Practices Act (FDCPA) prohibits specific abusive tactics.
Collectors cannot:
- Call before 8 a.m. or after 9 p.m. your local time
- Contact you at work if told your employer prohibits it
- Use harassment through repeated calls designed to annoy
- Threaten violence or use obscene language
- Falsely claim to be attorneys or government officials
- Threaten legal action they cannot or will not take
- Discuss your debt with family, neighbors, or coworkers
- Leave voicemails revealing debt details where others might hear
You have these rights even if you owe the GameStop debt. Knowing your rights helps you stay bold and unfazed by intimidating tactics collectors use.
What to Do When GameStop Collectors Call
When GameStop or Comenity Bank collectors call about your credit card debt, approach the situation cautiously and wisely. Follow these steps to protect yourself.
Decide if it is the best time to take the call. Do not answer immediately without first deciding if you want to talk and if you are prepared. Do not speak to collectors until you have learned about your rights, know what you want to do about the debt, and learned whether the statute of limitations has expired.
Speaking to collectors unprepared can lead to you reaffirming a debt that should have expired or does not exist. You are not required to answer their calls immediately.
Keep detailed records of all calls. When you take the call, create a collection log with the date and time, collector’s name, agency address, and details about what was discussed. Keep this log in your notepad or computer.
This log helps you track how often collectors call and notice when they make conflicting statements. Keep records of voicemails and messages, especially those using abusive language or threats. This evidence is crucial if you decide to sue.
Send a cease letter if you want calls to stop. If you want collectors to stop contacting you, the FDCPA allows you to send a written cease-and-desist letter. If you request they stop completely, they must do so except to serve you with a lawsuit or confirm they will stop.
Think carefully before sending a cease letter. If you want to keep tabs on the debt status or negotiate a settlement, a cease letter might not be in your best interest. However, if you are considering bankruptcy, stopping contact may be a good idea.
Tell collectors if you do not owe the debt. You do not have to pay GameStop credit card debt if you do not owe it. When collectors call, let them know you do not think the debt is legitimate and explain why.
If you have valid reasons, collectors may cease collection completely. You can also request debt validation, and they must not contact you again until they provide proof.
How to Demand Debt Validation from GameStop
To demand validation regarding your GameStop credit card debt, send a written request within 30 days of the collector’s first contact, requiring them to prove the debt is yours and the amount is accurate.
Your validation letter should clearly state you dispute the debt, demand written proof of the GameStop account and charges, and include your contact information. Send via certified mail with a return receipt.
Once collectors receive your validation request, they must stop collection activity until providing proper documentation. If they continue calling without validation, this violates the FDCPA.
Signs Collectors Violated Your Rights
Collectors violate federal law when they use illegal tactics to collect GameStop credit card debts. Common violations include:
- Calling you multiple times per day despite requests to stop
- Calling outside permitted hours
- Using abusive language or threats
- Refusing to provide their contact information
- Demanding payment without allowing you to validate the debt
- Continuing to call after you sent a cease letter
- Leaving threatening voicemails
- Discussing your debt with third parties
If you experienced any of these violations, documenting them strengthens your case. Your collection log and saved voicemails provide evidence for legal action.
Can You Sue Comenity Bank for GameStop Harassment
Yes, if Comenity Bank or their collectors violated your rights under the FDCPA, you can sue for compensation or negotiate a settlement for illegal or harassing collection practices.
Successful FDCPA lawsuits can recover statutory damages up to $1,000 per violation, actual damages for emotional distress and anxiety, and attorney fees paid by the collector. Many cases settle before trial when collectors realize they violated federal law.
You might be able to use collector violations to your advantage by either suing for compensation or getting them to agree to a settlement to avoid a lawsuit.
How to Block Comenity Bank Calls
You can block calls using your phone’s built-in blocking features or third-party call-blocking apps. Most smartphones allow you to block specific numbers that repeatedly call you.
Additionally, you can send a cease-and-desist letter to collectors demanding they stop all contact. You may also report violations to the Federal Trade Commission (FTC) and (CFPB).
Blocking calls provides immediate relief but does not eliminate the debt. Collectors might still sue or report to credit bureaus.
Removing GameStop Debt from Credit Reports
If Comenity Bank reported GameStop debt to credit bureaus and the information is inaccurate, you can dispute it under the Fair Credit Reporting Act.
Send dispute letters to all three credit bureaus, identifying specific errors, requesting debt validation from collectors, and documenting all communications. Credit bureaus have 30 days to investigate. If they cannot verify the debt, they must remove it.
How Consumer Rights Law Firm Stops GameStop Harassment
Consumer Rights Law Firm holds Comenity Bank and GameStop collectors accountable when they violate consumer protection laws. If you experienced harassment, threats, or illegal collection tactics, we can help.
Our services include:
- Investigating FDCPA violations in your case
- Stopping harassment immediately
- Communicating with collectors on your behalf
- Negotiating settlements when appropriate
- Filing lawsuits against illegal collectors
- Recovering statutory damages up to $1,000 per violation
- Obtaining compensation for emotional distress
- Ensuring collectors pay your attorney fees when you win
Most cases are handled on contingency. You pay nothing unless you win. When collectors violate the FDCPA, they pay your attorney fees.
Call (877) 700-5790 for immediate assistance or visit www.consumerlawfirmcenter.com to learn more.
Frequently Asked Questions About GameStop Credit Card Harassment
1. Why do I keep getting calls from Comenity Bank?
You are receiving calls about unpaid GameStop PowerUp Rewards credit card debts. Collectors often call frequently, but they must follow FDCPA rules or face legal consequences.
2. Does GameStop use Comenity Bank?
Yes, GameStop issues its PowerUp Rewards credit card through Comenity Capital Bank. This card allows purchases in-store and online with payment plans for single transactions.
3. What should I do when a GameStop debt collector calls me?
Decide if it is the right time to answer, keep records of calls, understand your rights, and avoid giving sensitive information. These steps protect you from harassment and financial risk.
4. How do I keep records of GameStop debt collector calls?
Maintain a collection log with the date, time, collector name, agency details, and call content. Keep voicemails or messages as evidence if collectors violate the law.
5. What is a cease-and-desist letter?
A cease-and-desist letter is a written request under the FDCPA asking collectors to stop contacting you. They must comply except to notify about a lawsuit or confirm they will stop.
6. What if I do not owe the GameStop card debt?
You can inform collectors that the debt is not legitimate. Request validation, and they must stop contacting you until they provide proof of the debt.
7. Can I sue Comenity Bank for GameStop harassment?
Yes. If collectors violated your rights under the FDCPA, you can sue for compensation including statutory damages, actual damages, and attorney fees.
