Is Big Lots Harassing You?
Is Big Lots Harassing You? Are you receiving debt collection calls from Big Lots/Comenity Bank and wondering how to stop the harassment stemming from these calls? Have you asked agents of Big Lots to stop calling, yet they continue to call you? Wish there was a way to make the calls stop? Congress enacted Telephone Consumer Protection Act, (TCPA) to stop harassing phone calls from companies like Big Lots. In many cases the offending companies are required to pay damages to those who were being harassed.
Who is Big Lots?
According to Wikipedia Big Lots!, Inc. is an American retail company headquartered in Columbus, Ohio with over 1,400 stores in 47 states. The Big Lots Credit Card is managed through Comenity Capital Bank.
If you are getting calls demanding payment for your Big Lots credit card, then it is EXTREMELY important to first determine who is calling.
The calls may be from the Biglots credit card internal collection department, or it may be from a third-party collection agency.
You may receive calls from a third-party collection agency because Big Lots is allowed to either transfer or sell the debt to a third party; this does not mean that you will no longer be contacted for repayment. It is very important to know which among these two is calling so that you may know what laws exist to protect your rights in your respective situation.
After you have ascertained who is calling to collect the debt, you then need to take the following steps to end harassment:
- Get evidence
- Speak to the collector
- Sue, or report them to a professional body if the harassment persists.
We will now take each point one after the other
In order to support your harassment claim, you will need to provide sufficient evidence this can include the following:
- Keeping a record of the number of calls and visits (date and time included) .
- Keeping a record of conversations either through writing or recording
- Keeping a record of all letters and documents you have received
- Getting statements from people who can bear witness to the harassment
Speaking to collector
In writing, inform the collector that you are aware of your rights and ask for the harassment to stop. You may also let them know how you wish to be contacted henceforth and point out that harassment is a criminal offence and you intend to take further action if it doesn’t stop.
You can get your lawyer to send this on your behalf or send it yourself via certified mail with a return receipt included. If you do not have a lawyer representing you, you can contact our team of A+ accredited attorneys at 877-700-5790.
Suing or reporting the collector to a professional body
If the harassment persists, then you can sue the collection agency for harassment. You are guaranteed statutory damages of $1000 in addition to actual damages if you prove a valid case of harassment. What’s more, you won’t need to pay us a dime if you hire us to represent you and win.
You may also report them to the CFPB, which may be a slower and more drawn-out process, as the CFPB responds to thousands of complaints against debt collectors every day.
Is Big Lots Harassing You?
There are several ways companies like Big Lots harass consumers and violate the law. The TCPA limits when and how often a company like Big Lots can call. The TCPA also bans the use of automatic dialing systems. Some of the key parts that Big Lots must follow when making calls are below:
- Companies must maintain a “Do Not Call” list and honor any request from a consumer to not be called again.
- Marketers may not send unsolicited advertisements by auto-dialer, prerecorded voice message, or fax to anyone without prior express consent.
- Customers must be able to opt-out of future robocalls during a robocall.
- Calling without identifying themselves or without revealing the identity of the person or company on whose behalf they are making the calls
Big Lots Phone Numbers
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 Big Lots phone number. You may be a victim of Big Lots Phone Harassment. The list above is not all the numbers that Big Lots uses. The calls can be from a different phone numbers and still be Big Lots 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 Big Lots from calling you illegally. No one should live with the harassment!
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.
If you are interested in learning more about how to safeguard yourself better from Big Lots Phone Harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
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