Express Next credit card harassment. Stop the calls
Are you dealing with Express Next credit card harassment and wondering how to handle the calls? You have rights that protect you from Express Next collection harassment or any other debt collection harassment.
The Fair Debt Collection Practice Act forbids Express Next credit card debt collectors from harassing, oppressing, or abusing you or anyone else they contact concerning a debt.
It is a written federal rule that debt collectors (and this includes the ones now calling you for Express credit card payment) cannot:
- Call you repeatedly intending to annoy, harass, or abuse them when they answer the phone.
- Communicate using profane and obscene language.
- Threaten you with harm or any other form of violence.
- Publish your name in an attempt to defame you.
- Refuse to disclose their identity or lie about their identity when they call.
All of these are actions the FDCPA strongly frowns against. It is illegal for debt collectors calling about an Express Next debt, or any debt to do these to you. If you have been experiencing any of the above, your rights have been violated and you can submit a complaint to the Consumer Financial Protection Bureau, or better yet, call a consumer rights attorney at 877-700-5790.
Who is Express Next?
Founded 42 years ago in 1980 as Limited Express, the American fashion retailer Express Next caters mostly to young women and men.
Express Next operates 500+ stores in Ohio in the United States, Puerto Rico, Mexico, Costa Rica, Panama, El Salvador, and Guatemala. The company has its headquarters is in Columbus, Ohio. You can manage your Comenity card by visiting comenity.net/express.
One Express Drive Columbus, OH 43230 USA
How to respond to a debt collector’s call
It’s never a good time for Express Next debt collectors to call, and the temptation to ignore or hide from the calls will be strong. However, the best thing to do is get mentally prepared and tackle the calls.
Debt situations are unique, but the steps below will work whenever you receive a call about your Express Next credit card debt and every other debt collection call.
The first thing to do when the Express Next Credit Card debt collector calls is to get as much information from them as possible. Ask questions about the following:
- The name of the person you’re speaking with.
- The collection agency’s name, address, and phone number.
- The name of the original creditor owed (even if they mentioned Express Next before, you can ask again for clarity).
- The amount owed
- Verification that the debt is yours (demand that they send this in writing).
The next thing to do is try to identify the Expressnext credit card debt.
If it’s a debt you actually owe, you can contact the Express Next Card debt collector later to discuss a payment plan that works for you.
If the Express Clothing credit card debt is an old debt that is several years old, you may want to find out if it has exceeded your state’s statute of limitations and if you can no longer be sued over the debt before you even verbally agree to owing the debt or make a payment plan. You can contact an attorney at 877-700-5790 to know what law is applicable in your state.
In the case where you are not sure you owe the Express Fashion credit card debt, send a letter to the debt collector requesting a formal written verification of the debt. This debt verification should include information about the original creditor – Express Next – (the name and address, the amount you owe, and proof that the debt is yours).
If after everything you realize that the Comenity Bank Express card debt is actually not yours, send a written notice to the debt collector letting them know that the debt is not yours and you would like them to stop contacting you about it.
One important thing to do through these processes, whatever your situation may be is to document everything properly. Keep copies of your letters and letters from the debt collector calling you to make an Express credit card payment as well.
Remember that debt collection harassment is illegal, and you should never have to go through it. Contact an A+ accredited attorney at 877-700-5790 for more information.
Are you getting calls from an Express Next 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 Express Next phone number. You may be a victim of robocalls from the Express Next. The list above is not all the numbers that ExpressNext uses. The calls can be from different phone numbers and still be Express Next calling you. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. Contact our office immediately if you need help dealing with the collector calling you about your Express Next card.
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.