Harassment over your Bj’s credit card?
Getting incessant phone calls about your Bj’s credit card?
If you’re deep in debt and are now on the receiving end of a seemingly incessant string of phone calls, voicemails, and harassing notices from a third-party debt collector over your Bj’s Mastercard, you don’t need to lose hope.
Yes, nobody likes to be in a situation where they can’t make their Bj’s credit card payment several times until the debt is eventually sent to an agency for collection. If you can, we advise you to avoid having the debt being sent to a collection agency at all costs, as collection agencies are notorious for their collection antics, and the incessant calls you may receive at the most inconvenient only make the situation feel more daunting.
Being aware of your rights in the context of debt collection is a big step in the right direction. The FDCPA protects the rights of consumers like you from the harassing behavior of debt collectors trying to get you to make a Bj’s credit card payment.
If you feel harassed during your conversation with a debt collector, be sure to contact an A+ accredited attorney to get a better view of your current situation. Call 877-700-5790 today.
Who is BJ’s?
Operating out of Westborough, Massachusetts, BJ’s Wholesale Club Holdings, Inc., is a warehouse club chain known as BJ’s Wholesale Club that offers memberships to individuals. BJ’s satisfies all of a consumer’s household needs, from paper towels to TVs. BJ’s membership is required to access many of the club’s benefits, including eligibility for the BJ’s credit card. To manage your BJ’s card, visit comenity.net/bjs. Only a BJ’s member can apply for and use the BJ’s credit card, which is issued in partnership with Capital One.
BJ’s Contact Information
25 Research Drive, Westborough, MA 01581
Tel: (800) 257-2582, 774-512-6799
Fax :774-512-6859
Credit Card Features and Fees
If you’re considering applying for a BJ’s One Mastercard or BJ’s One+ Mastercard, it’s important to understand the features, fees, and rewards these cards offer to BJ’s members. One of the standout benefits is that both cards come with no annual fee, making them an attractive option for those looking to maximize value without extra costs. However, keep in mind that BJ’s membership fees are still required, ranging from $55 to $110 per year depending on your chosen membership level.
Redeeming your rewards is simple and flexible. Once you’ve accumulated at least $10 in rewards, you can redeem them at BJ’s Wholesale Club, whether you’re shopping in-store, online, or using the BJ’s app. Rewards can be used toward merchandise, membership fees, or other eligible BJ’s services, giving you multiple ways to save. Another advantage is that your rewards won’t expire as long as your credit card account remains open and in good standing.
In addition to earning rewards, cardholders can take advantage of exclusive discounts on gas purchases at BJ’s Gas locations. Depending on your membership level, you can save 10 cents or 15 cents per gallon, and these discounts can often be combined with other promotions. However, it’s important to note that while you can enjoy these gas discounts, propane and gasoline purchases themselves do not earn rewards.
By understanding the features, fees, and rewards associated with the BJ’s One Mastercard and BJ’s One+ Mastercard, you can make informed decisions that help you earn rewards, save on purchases, and get the most out of your BJ’s membership.
What are my rights when dealing with debt collectors?
The Fair Debt Collection Practices Act (FDCPA) is a law that protects the rights of consumers throughout the process of debt collection. According to the FDCPA, a debt collector must not:
- ➡️ Use or even threaten to use physical force during the collection of your Bj/Comenity bank card debt.
- ➡️ Hassle you to make a payment or suggest acquiring more debt to settle this one
- ➡️ Furnish you with deceptive or misleading information
- ➡️ Give an unauthorized third party any information about your Bj’s/Comenity bank debt
- ➡️ Publicize your name or personal information in an attempt to shame you into paying up your debts.
- ➡️ If you are not sure of the name of the collection agency that is contacting you than feel free to visit our List of Collection Agencies in the United States
Debt collectors are also prohibited from carrying out these harassing actions with your spouse, parent, co-signor, or anyone else who can know about the debt. Make a formal complaint with the FTC or CFPB if a creditor or debt collector acts in a harassing or abusive way towards you. You may also contact a qualified attorney at 877-700-5790.
What are a debt collector’s rights when contacting me about my Bj’s credit card?
- ➡️ A debt collector is within their right to ask you to pay your Bj’s credit card debt.
- ➡️ A debt collector may contact you when it is necessary to do so and when it is within the ethical boundaries given for communication between consumers and debt collectors.
- ➡️ A collector may contact you to make arrangements for repayment.
- ➡️ A collector may contact, or even sue you if you haven’t held up your own end of an agreed repayment plan.
- ➡️ A collector is within their rights to review a payment plan after an agreed period of time
- ➡️ If they have been tasked to do so by your original creditor, they may inspect or recover mortgaged goods.
- ➡️ A debt collector is within their right to report your debt to a credit reporting agency.
- ➡️ If you have any additional questions than please visit our FAQ page: FAQ | Consumer Rights Law Firm PLLC (consumerlawfirmcenter.com
Are you getting calls from a Bj’s credit card phone number?
1 (800) 257-2582
(800-257-2582)
774-512-6799
(877) 832-4888
(844) 268-8093
from any of these numbers?
If the answer is yes, then you are receiving calls from a known Bj’s credit card phone number. You may be a victim of robocalls from the Bj’s. The list above is not all the numbers that Bj uses. The calls can be from different phone numbers and still be BJ’s 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 we can start the process to stop the Bj’s credit card phone number from calling you.
CONSUMER RIGHTS LAW FIRM, PLLC
If you’re being harassed over your BJ’s credit card debt, you’re not alone. Federal consumer protection laws are in place to protect you from aggressive calls, misleading statements, threats, and unfair collection practices. Debt collectors must respect your rights and follow the law.
At Consumer Rights Law Firm PLLC, we help consumers stop harassment related to BJ’s credit card collections. Our attorneys understand debt collection laws and work to protect you from illegal or abusive behavior. Since 2010, we’ve helped thousands of clients regain financial peace and hold collectors accountable — and we proudly maintain an A+ rating with the Better Business Bureau.
If you’re facing harassment over a BJ’s credit card, call (877) 700-5790 for immediate help or visit our website to get started.
Success Stories
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I had such amazing time working with Scott and the Consumer Rights Law Firm! They got me a swift and really well planned out settlement as I hit a rough financial situation. They also guaranteed me that I would never be asked for any money out of my pockets! Thank you so much Consumer Rights Law Firm!⭐⭐⭐⭐⭐
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Amazing! My experience was very quick and easy and I got a nice settlement in no time. Also, their word was kept as far as not paying any fees. Zero out of pocket, and great settlement in return. 5 stars!⭐⭐⭐⭐⭐
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Matt and Derek worked as a team to get me a fair and adequate solution for my concern. They kept me updated throughout the whole process and answered any questions I had. I would highly recommend them.⭐⭐⭐⭐⭐
Frequently Asked Questions
1. Can debt collectors harass me over my BJ’s credit card debt?
No. Harassment, threats, or abusive behavior are illegal under federal law.
2. What counts as harassment for BJ’s credit card debt?
Repeated calls, threats, abusive language, or calling late at night can be considered harassment.
3. Can collectors call me multiple times a day about BJ’s credit card debt?
No. Excessive calls meant to pressure or annoy you are prohibited.
4. Can a collector threaten me with arrest over BJ’s credit card debt?
No. Threats of arrest or jail for credit card debt are illegal.
5. Can debt collectors contact my family about my BJ’s credit card?
They cannot discuss your debt with family members, friends, or coworkers.
6. Can I ask the collector to stop calling me?
Yes. You can request communication in writing or ask them to stop contacting you.
7. Do I have the right to ask for proof of the BJ’s credit card debt?
Yes. You can request written debt validation within 30 days.
8. Can BJ’s credit card debt be sold to third-party collectors?
Yes, but those collectors must still follow all debt collection laws.
9. What should I do if a collector lies about my BJ’s credit card debt?
Misleading or false statements are illegal, and you may have legal options.
10. How can I stop BJ’s credit card debt harassment permanently?
A consumer rights attorney can help stop illegal collection practices and protect your rights.
