Getting calls over an unpaid Fullbeauty Credit Card debt?
Have you been getting calls from debt collectors about your Fullbeauty credit card debt? Are the calls frequent and annoying, insisting on an immediate Fullbeauty credit card payment?
A federal law that protects consumers from debt collection harassment was enacted in 1978; this law is called the federal Fair Debt Collection Practices Act (FDCPA).
This law came into existence when the number of complaints about debt collection harassment became too many to be considered reasonable. According to the FDCPA, the people protected by its laws are consumers – individuals allegedly or truthfully obligated to pay a debt taken out for personal purposes, such as the purchase of a house or car.
This means that whether or not you actually owe on your Comenity Fullbeauty credit card, the FDCPA protects you from Fullbeauty credit card collection harassment.
The FDCPA forbids all forms of debt collection harassment. If a debt collector calls you repeatedly, demanding Fullbeauty credit payment, threatens you, harasses you, or uses profane and obscene words when speaking to you, they have violated Section 806 of the FDCPA.
Furthermore, if they directly or indirectly call you a criminal or say they will get you arrested over a delinquent Fullbeauty credit card payment, it is a lie and a violation of Section 807 of the FDCPA.
You can sue for violation of your FDCPA rights and get up to $1,000, court costs, and attorney fees.
What is the Fullbeauty Credit Card?
Founded in 1901 in New York, FullBeauty Brands Operations, LLC (sometimes called Beauty Full) features online and catalog retail brands for plus size women’s apparel, big & tall men’s apparel, and home goods. In October 2015, Fullbeauty Brands was purchased by Apax Partners, and still offers apparel for women ranging from sizes 12 to 44.
Remember that you should never share your Fullbeauty credit card login details with any stranger that calls you over the phone, as you may be falling victim to a scam.
1-915-225-4970 (International Support).
1 New York Plaza, New York, NY 10004
Why is a collection agency calling me over Fullbeauty credit card payment I do not owe?
Has a debt collector been calling you over a Fullbeauty credit card debt you do not owe?
There are some possible reasons for this:
They may be calling the wrong number.
This can happen if the previous owner of the phone number you now use incurred a Fullbeauty Credit debt. The debt collector may think you’re that person.
Another way this can happen is through an error from data entry. If one or two digits are mistakenly changed, the whole number is changed and it becomes another person’s number, in this case, yours. This is why it becomes doubly important to demand a verification letter from the collector contacting you about a Comenity/Fullbeauty credit card debt.
They may have you confused with someone else.
If you coincidentally share the same name with another individual or even a family member who has a Comenity Fullbeauty credit card debt, debt collectors could mix things up and call you instead of that individual for a Fullbeauty credit card payment.
The FDCPA forbids debt collectors from telling third parties about another individual’s debt.
If the debt collector intentionally discusses your debt with someone or someone’s Fullbeauty credit card debt with you, they have violated the FDCPA.
They may not realize that the debt has already been paid
Debt collectors may not realize that you have settled the debt either with the creditor or with a different debt collector. The debt may also have been discharged in bankruptcy.
Whatever their reason may be, you should not have to keep dealing with collection calls asking for a Fullbeauty credit card payment you don’t owe. You have the option of disputing the debt.
According to the FDCPA, within the first five days of the debt collector’s call, they must send you a written notice containing information about the debt and how you can dispute it if you don’t accept it.
Once the Fullbeauty credit card debt collector sends you the notice, you have 30 days to dispute the debt. You can do that by sending the collection agency a written dispute of the Comenity Fullbeauty credit card debt and your reason for the dispute.
Immediately you dispute a debt, the debt collector must instantly stop contacting you and reverse every collection action against your account (this includes notifying every credit reporting agency they may have contacted about the debt, that the debt has been disputed) until the debt is verified.
We continue to handle different cases for clients who have experienced debt collection harassment. If you’re currently experiencing debt collection harassment or you’re being called continuously for a debt that you do not owe, you may be entitled to compensation under federal law. Call us today for a free, no-obligation consultation.
Are you getting calls from an FullBeauty credit card phone number?
1 (800) 400-5527
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 FullBeauty credit card phone number. You may be a victim of robocalls from the FullBeauty. The list above is not all the numbers that FullBeauty uses. The calls can be from different phone numbers and still be FullBeauty calling you. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. Contact our office right away if you are getting harassing phone calls from a FullBeauty credit card phone number.
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.