Is BJ’S Harassing you for payment? Stop Collection Harassment!
Is BJ’s repeatedly calling you about a payment? Have you asked BJ’s to stop contacting you, yet the calls continue? If so, you may be entitled to compensation under the Telephone Consumer Protection Act (TCPA).
Congress enacted the TCPA to protect consumers from unwanted and harassing phone calls, including robocalls and automated dialing systems used without consent. In many cases, the law requires offending companies not only to stop calling but also to pay statutory damages to consumers they harass. If BJ’s continues to contact you after you’ve requested they stop—or if they are using automated or prerecorded calls, you may have legal options.
Credit Card Debt and Store Card Collections
Credit card debt often arises when payments are missed on store-branded credit cards. Many retail credit cards are issued and managed by Comenity Bank, including cards for stores such as:
Abercrombie & Fitch, Ann Taylor, Apple Seed’s, Bed Bath & Beyond, Crate & Barrel, Eddie Bauer, Fashion Bug, Victoria’s Secret, and others.
If you fall behind on payments, collection calls may follow. However, even original creditors and their agents must follow federal law when attempting to collect a debt.
Who Is BJ’s?
BJ’s Wholesale Club Holdings, Inc., commonly referred to as BJ’s, is an American membership-only warehouse club chain operating primarily on the East Coast of the United States and in the state of Ohio. BJ’s offers bulk groceries, household goods, electronics, and other retail products to its members.
The BJ’s Credit Card is issued and serviced through Comenity Capital Bank, which may handle billing, collections, and customer communications related to the card.
Is BJ’s Harassing You for Payment? Stop Collection Harassment!
There are several ways companies like BJ’s may harass consumers or violate the law. The TCPA strictly limits when, how often, and by what methods a company may contact you. It also restricts the use of automatic telephone dialing systems and prerecorded messages without prior express consent.
Some of the key TCPA requirements BJ’s must follow include:
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Companies must maintain a Do Not Call list and honor a consumer’s request not to be contacted again.
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Marketers and creditors may not send unsolicited robocalls, prerecorded voice messages, or automated calls without prior express consent.
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Consumers must be given a clear and easy way to opt out of future robocalls during any automated call.
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Callers must identify themselves and clearly disclose the company on whose behalf the call is being made.
Failure to follow these rules may entitle consumers to statutory damages, even if no financial loss occurred.
Know Your Rights Under Federal Law
If BJ’s or its agents continue calling you after you’ve asked them to stop, use robocalls without consent, or fail to properly identify themselves, those actions may violate the TCPA and other consumer protection laws. In many cases, consumers may recover damages per call or message, in addition to attorney fees and court costs.
You do not have to tolerate repeated, unwanted calls.
CONSUMER RIGHTS LAW FIRM, PLLC
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. Rather than suffer alone, contact a legal professional to stop the BJ’s harassment.
If you are interested in learning more about how to safeguard yourself and prevent even more BJ’s phone harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
check out a link for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
FAQs
Is BJ’s allowed to keep calling me after I ask them to stop?
No. If you request that BJ’s stop calling you, they must honor that request. Continuing to call after being told to stop may violate the Telephone Consumer Protection Act (TCPA).
Can BJ’s use robocalls or automated dialing systems to contact me?
BJ’s may not use automated dialing systems or prerecorded voice messages without your prior express consent. Unauthorized robocalls may violate the TCPA.
What types of calls from BJ’s are considered harassment?
Harassment may include repeated calls, calls made using autodialers, prerecorded messages, calls without proper identification, or calls made after you have opted out.
Does the TCPA apply to store credit cards like the BJ’s Credit Card?
Yes. The TCPA applies to companies and banks collecting on store credit cards, including those issued through Comenity Capital Bank.
Can BJ’s call me at any time of the day?
No. Calls made at unreasonable hours or in excessive frequency may be considered unlawful, especially if automated systems are used.
What should I do if BJ’s keeps calling my phone number by mistake?
If BJ’s continues calling after being informed they have the wrong number, those calls may violate federal law and you may have legal rights.
Do I have to answer calls from BJ’s about a debt?
No. You are not required to answer collection calls, especially if they are unwanted or unlawful.
Can I receive compensation for BJ’s phone harassment?
Yes. Under the TCPA, consumers may be entitled to statutory damages for each unlawful call, plus attorney fees and court costs.
How can I make BJ’s stop calling me?
You can revoke consent, request placement on their Do Not Call list, or seek legal help to enforce your rights under the TCPA.
Who can help me stop BJ’s phone harassment?
A consumer rights attorney can help stop the calls and determine whether you are entitled to compensation under federal law.
