Getting harassed over your DSW credit card payments?
When you are approved for and given a DSW credit card, you step into a legal contract with DSW/Comenity bank.
If you end up missing due payments on your DSW Comenity card, then DSW has the right to hire a debt collector to contact you and try to collect the debt from you. This debt collector also has the right to contact you to pay your DSW credit card debt.
If you’re on the other end of all of this, it is pertinent that you understand how and why things are the way they are so that you can approach debt collectors wisely.
Debt collection is a job. And a debt collector gets paid when they successfully recover debt from someone. So, the debt collector calling about a delinquent DSW payment is just trying to make money. This explains the desperation and effort seen in most debt collectors’ escapades.
It’s okay for a debt collector to call you if they remain on the right side of the law. But when they begin to harass, stress, and threaten you, they’re violating your rights and need to be stopped.
You do not have to endure terrible things like threats, use of profane and obscene words, endless calls, calls to your neighbors or friends, or calls at odd hours of the day.
All of these and more are some debt collection tactics that debt collectors employ, and they all count as harassment.
You have rights that protect you and you can file complaints with the FTC, CFPB, or your state’s attorney general if you want to stop the debt collector.
About DSW credit card
DSW credit card (Designer Shoe Warehouse) is an ideal credit card for people who love footwear. It makes it simple for them to save whenever they purchase new shoes.
The DSW Comenity card allows you to earn about 2-3X points on each dollar spent on DSW payments, whether on or offline. They also grant up to $50 in signup bonuses.
The DSW visa credit card is issued by Comenity Bank and can be accessed by individuals with a good credit rating (630 and above).
The DSW card is said to have potentially lower than average purchase APRs, multiple credit card perks, no annual fee, and travel accident insurance.
DSW visa holders can also earn rewards on their purchases. To manage your DSW visa credit card, visit comenity.net/dsw.
Phone number for DSW: 1-866-379-7463
810 DSW Drive; Columbus, Ohio 43219
How to File a Complaint With the FTC or your state’s Attorney.
Amongst the many options available to you to explore when you’re being harassed by a debt collector is Filing a complaint with the FTC.
If the debt collector contacting you over your DSW Comenity card keeps harassing you with phone calls, you may want to consider reporting their company line by filing a complaint with the Federal Trade Commission.
When writing your complaint, be sure that the following are in it:
- The name of the original creditor you owe.
- The name and address of the debt collector calling you to pay a DSW credit card debt.
- The times and days you have communicated with them.
- The names of any witnesses present at these calls.
- Full details about the original creditor – DSW/Comenity bank
- Dates and times of all communications
- Copies of other documents and materials (written communications, recording of conversations, call log of the debt collector, etc.)
Filing a Complaint With Your State’s Attorney-general is another option you have.
This is a great idea, and an effective way to handle the debt collectors harassing you to pay a DSW credit card debt.
Keep copies of the complaint for yourself. You can also send a copy to the collection agency and the original creditor.
The debt collector may even agree to settle the debt for a lower amount if you withdraw the complaint. This is not certain, but it can happen.
However, whether they do so or not, it’s still a great outcome for you because the harassment gets to stop.
Nevertheless, these agencies deal with countless cases of harassment daily, and to expedite the process, you may want to reach out to a consumer rights attorney who can sue the collector on your behalf and recover you the sum of $1000 in statutory damages alone.
Are you getting calls from an DSW 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 DSW credit card phone number. You may be a victim of robocalls from the DSW. The list above is not all the numbers that DSW uses. The calls can be from different phone numbers and still be DSW calling you. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. Contact our office right away so that we can stop the harassment you may be receiving from a DSW credit card phone number over a DSW credit card debt.
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.