What should I do if the DSW collector is contacting the wrong person?

If the debt does not belong to you, notify the collector in writing and request all communication to stop. Provide documentation if identity theft or an account error is involved.

Can DSW collectors threaten legal action for an old or expired debt?

Collectors cannot threaten lawsuits on debts that are past the statute of limitations, and doing so may violate the FDCPA.

Will paying a delinquent DSW credit card balance immediately stop collection calls?

Once the debt is paid or resolved, collectors must stop contacting you. Ask for written confirmation of the updated account status.

What if the DSW collector refuses to validate my debt?

If a collector fails to validate your debt after a written request, they must stop collection activities until proper documentation is provided.

Can I negotiate a settlement or payment plan with the DSW collector?

Yes, collectors often accept settlements or payment plans. Always get the agreement in writing before sending any payments.

Getting Harassed Over Your DSW Credit Card Payments?

Q: How many times can DSW collectors call me each day?

There’s no fixed safe number — calls that are repeated or continuous enough to annoy or abuse constitute harassment under the FDCPA, and you can request them to stop.

Q: When must DSW collectors identify themselves on the call?

Collectors must identify their name, the company, and that they are calling to collect a debt. They cannot misrepresent themselves or make false threats.

Q: Can DSW collectors contact my family or employer?

Debt collectors are only allowed to contact third parties to get your contact information, not to discuss the debt, and only once per person.

Q: What can I do to stop the harassment?

Document calls, then send a written cease-and-desist letter. If calls continue, file complaints with CFPB or FTC and consider consulting a consumer rights attorney.

Q: Can I sue DSW or its collector for harassment?

Yes — under FDCPA, you may be entitled to up to $1,000 in statutory damages plus actual damages and attorney’s fees for violations.

Q: Are robocalls or spoofed numbers allowed?

Automated robocalls require your consent under the TCPA, and spoofed numbers intended to mislead may violate federal law.

Q: Can DSW collectors report a delinquency to credit bureaus?

Yes — they can report past-due accounts, which may hurt your credit score. You can dispute any inaccuracies with the credit reporting agencies.

Q: What should I include in a complaint if I'm being harassed?

Include your name, account details, collector’s name, dates and times of calls, summaries of conversations, and copies of any communications when filing a complaint with the CFPB or FTC.

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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Getting Harassed Over Your DSW Credit Card Payments❓

Is DSW Credit Card calling you? Stop DSW phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. You have the legal right to stopDSW phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.

Introduction to the Issue

Debt collection is the process by which creditors or third-party agencies attempt to recover money owed by individuals or businesses who have failed to pay their debts on time. When regular billing methods are unsuccessful, creditors may either assign the account to an internal collections department or hire an outside debt collection agency to handle recovery efforts. These collectors often reach out through phone calls, letters, emails, or text messages. While the goal is to recover outstanding balances, collectors must comply with the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive, or unfair collection practices. If the debt remains unpaid, it may be reported to credit bureaus damaging the debtor’s credit score or, in some cases, lead to legal action. For this reason, it’s crucial for consumers to understand how the debt collection process works and know their legal rights when dealing with collectors.

Who is DSW Credit Card?

The DSW credit card, offered by Designer Shoe Warehouse, is issued and managed by Comenity Bank, a financial institution that partners with numerous retailers to provide branded credit cards. When cardholders fail to make timely payments, Comenity Bank initiates its debt collection process. This may involve direct communication through phone calls, emails, or letters. If these efforts are unsuccessful, the bank may engage third-party debt collection agencies to recover the outstanding balances. It’s important to note that, while debt collectors are permitted to contact consumers regarding unpaid debts, they must adhere to the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive or deceptive practices.

🏛️ DSW Address: 810 DSW Drive; Columbus, Ohio 43219

📞 Phone: 1-866-379-7463

DSW Credit Card Collection Tactics

If DSW engages in any of the following tactics, you may have a case:

🗯️ Using profanity or abusive language
⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
📞 Calling you multiple times per week
👥 Talking to others about your debt
🏢 Calling your workplace
⚖️ Threatening to sue you, harm you, or destroy your credit
⚠️ Telling you or anyone else that you’ve committed a crime
❌ Calling repeatedly for the wrong person
📝 Failing to notify you of your right to dispute the debt
💸 Trying to collect more than legally allowed

DSW Credit Card Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

📲 1-855-266-0556
📲 1-800-695-1788

If the answer is yes, then you are receiving calls from a knownDSW number. You may be a victim ofDSW phone harassment. The list above is not all the numbers that DSW uses. The calls can be from different numbers and it still be DSW Credit Card calling you. Contact our office right away so we can start the process to stop DSW from calling you illegally. Above all, no one should live with harassment!

Consumer Rights and Phone Harassment

Consumer rights are designed to protect individuals from unfair, deceptive, or abusive practices by businesses, including debt collectors. When it comes to phone harassment, the Fair Debt Collection Practices Act (FDCPA) plays a crucial role. It prohibits debt collectors from calling repeatedly, using threatening or abusive language, or contacting consumers at odd hours or after being asked to stop. Consumers have the right to request verification of the debt, dispute it, and even demand that communication be limited or halted altogether. If a collector violates these rights, the consumer may be entitled to file a complaint or take legal action. Understanding these protections empowers consumers to stand up against harassment and demand respectful, lawful treatment.

Reporting Phone Harassment

If you are a victim of phone harassment, it is essential to report the incident to the relevant authorities. This can help prevent further harassment and ensure that the company responsible is held accountable. DSW Credit Card has a team of experienced financial advisors who can provide guidance and support to individuals who have been affected by phone harassment. Their expertise and commitment to client well-being make them a valuable resource in navigating these challenging situations and ensuring that your rights are upheld.

Regulatory Framework

The regulatory framework surrounding consumer rights and phone harassment is designed to protect individuals from unfair and deceptive practices. Companies like DSW Credit Card must comply with these regulations to ensure that their clients’ rights are respected and protected. The Financial Management DSW course, offered by the University of Illinois Urbana-Champaign, provides students with a comprehensive understanding of financial management and the regulatory framework that governs the industry. This course equips future financial professionals with the knowledge and skills needed to uphold these standards and advocate for consumer 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. We have been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from DSW Credit Card call us at (877)700-5790 for immediate assistance or visit our website.

Success Stories

🏆 “I was taken advantage of by a debt collector, then I came across Consumer Rights Law Firm and dealt with Matthew, who, along with his team, exceeded my expectations in professionalism, communication, and results! They demonstrated an unparalleled dedication to my case, ensuring I was informed and involved in every decision along the way.”
🏆 “Matthew was unbelievably helpful and made me feel so much better about my situation. He helped me get rid of four of my outstanding debtors, which relieved my load so much. I highly recommend working with this firm as they definitely have your interests first and foremost.”
🏆 “They worked quickly to not only get the account removed from my credit report but also get me a settlement on top of that. I didn’t have to pay a single dime for the service. All my questions were answered thoroughly and in a very timely manner. Do not hesitate to put your trust in this law firm.”

FAQs

What counts as harassment by a debt collector for my DSW credit card?

Harassment includes repeated calls, threats, using obscene or abusive language, calling before 8 a.m. or after 9 p.m., or contacting third parties about your debt. These actions are prohibited under the FDCPA.

How many times can DSW collectors call me each day?

There is no fixed legal limit, but repeated or continuous calls meant to annoy or pressure you may be considered harassment under the FDCPA.

When must DSW collectors identify themselves on the call?

Collectors must state their name, the company they represent, and that they are calling to collect a debt. Misrepresentation or false statements are not allowed.

Can DSW collectors contact my family or employer?

Debt collectors may contact third parties only to obtain your contact information, and they are not allowed to discuss your debt. They are also limited to one contact attempt per third party.

What can I do to stop the harassment?

Document every call and send a written cease-and-desist letter. If harassment continues, you can file complaints with the CFPB or FTC or consult a consumer rights attorney.

Can I sue DSW or its collector for harassment?

Yes, under the FDCPA you may be eligible for up to $1,000 in statutory damages, actual damages, and attorney’s fees if the collector violates the law.

Are robocalls or spoofed numbers allowed?

Robocalls require your prior consent under the TCPA. Spoofed numbers intended to deceive you may violate federal regulations.

Can DSW collectors report a delinquency to credit bureaus?

Yes, past-due accounts can be reported to credit bureaus. You have the right to dispute any inaccurate information.

What is FDCPA and how does it protect me?

The Fair Debt Collection Practices Act prohibits abusive, deceptive, and unfair debt-collection practices, such as threats, harassment, and misleading statements.

What should I include in a complaint if I’m being harassed?

You should include your personal details, account information, the collector’s name, call logs with dates and times, summaries of conversations, and copies of written communications.

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.