Have you had to deal with Kingsize credit card harassment?
If you have fallen behind on your Kingsize payment, your account may have been transferred to a debt collector, especially if you haven’t made efforts to pay in up to three months. Your credit card accounts may be managed by different companies, and creditors have specific legal obligations regarding account agreements and management.
When your Kingsize credit card account gets sent to a debt collector, the debt collector now has full rights to contact you and try to collect the Kingsize credit card debt.
Debt collectors call individuals and use all kinds of collection methods just to ensure that they get the person to pay. Sometimes, these methods may even be harmful and stressful to the individual. These business practices can negatively impact consumers’ financial well-being and credit reports.
What some people do not know is that debt collectors are not sovereign. Their actions are regulated by a consumer-friendly law called the Fair Debt Collection Practices Act (FDCPA). The FDCPA is designed to protect consumers from unfair practices by creditors and debt collection companies.
The Fair Debt Collection Practices Act is applicable only to collectors working with recognized debt collection agencies and attorneys hired to collect a debt.
If the Kingsize credit card debt collector falls under this category, then they must abide by the FDCPA laws. If your rights under the FDCPA are violated, you may be entitled to seek compensation, including court costs, attorney fees, and damages.
The debt collector making attempts to collect your Comenity bank Kingsize debt has no right to threaten or harass you. If disputes are not resolved, consumers may have the right to pursue a lawsuit, but there are limitations and procedures that must be followed to initiate legal action.
Creditors and companies must respect consumer rights, and there are legal avenues available to resolve disputes and protect yourself from unlawful collection practices.
Who is Kingsize?
Established in 1920, King Size retails and focuses on clothing and footwear for tall and big men whose sizes are not easily found in other places. Comenity Bank also issues credit cards for other retailers such as Jessica London and Lane Bryant, and these credit card programs have similar features and challenges, including customer service issues and high interest rates.
If you are in the market for items of clothing from sizes 2XL to 8XL, and footwear sizes 12,13,14,15 and 16, King Size has you covered. They also stock clothing from the world’s leading clothing brands in these sizes.
You can find more information about the kingsize credit card on comenity.net/kingsize. The Kingsize credit card program allows consumers to make purchases and access special offers.
To access your King size Comenity login or make a Kingsize online payment, visit their website at kingsizedirect.com.
Contact Information
King Size credit card customer service phone number: 1-800-695-0466.
Address: PO Box 12902, El Paso, Texas, 79913, United States
Kingsize Direct Credit Card Payment Address:
KingSize Credit Card
P.O. Box 659728
San Antonio, TX 78265-9728
Understanding Your Kingsize Credit Card Agreement and Terms
When you open a Kingsize credit card account, you enter into a legal agreement with Comenity Bank. Understanding the terms of your credit card agreement is essential to protect your consumer rights and avoid unexpected issues with your account. Your agreement outlines important details such as your interest rate, payment due dates, applicable fees, and the process for disputing charges or reporting fraud.
Be sure to review your credit card agreement carefully, paying close attention to the interest rates, late payment penalties, and how your payments are applied to your balances. Knowing these terms can help you avoid unnecessary fees and keep your account in good standing. If you are unable to make a payment, contact the company immediately to discuss your options and avoid having your account reported to credit bureaus or sent to debt collectors.
Your agreement also explains your rights under federal law, including the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act. These laws protect you from unfair debt collection practices, such as excessive phone calls, auto dialer harassment, or attempts to collect invalid debts. If you receive unsolicited advertisements or phone calls you did not consent to, you have the right to opt out and request that the company stop contacting you.
If you notice any errors on your credit report related to your Kingsize credit card, or if you believe your social security number or personal information has been used fraudulently, you should dispute the information in writing and request an immediate investigation. Always keep copies of your correspondence and any forms you submit, and request a return receipt when sending important documents by mail.
By understanding your Kingsize credit card agreement and knowing your rights, you can better manage your account, avoid harassment, and ensure that any issues are resolved quickly and fairly. If you have questions about your agreement or need help dealing with debt collectors, consider reaching out to a consumer rights attorney or visiting the company’s website for more information.
What debt collection practices does the FDCPA prohibit?
The FDCPA prohibits:
- A Kingsize credit card debt collector calling at work even with prior knowledge that the client doesn’t accept such calls.
- A King size credit card collector calling before 8:00 am, after 9:00 pm, or at an inconvenient hour of the day unless there’s a prior agreement between both parties.
- The Kingsize credit card payment collector from being unjust, lacking principles, and using illegal means to collect the Kingsize credit debt.
- The collector contacting you about your Kingsize payment from using collection methods to harass, intimidate, and abuse.
In a case where you are subjected to intimidation, abuse, threats, defamation, or deception by a debt collector and you want to stop further contact, be sure to inform the collector of your intentions through writing. Write a cease-and-desist letter to the King Size credit card debt collector and make sure to always have a copy of your letter and mail the original to the debt collector. If you have a claim against the debt collector, you should submit it in writing and keep records of all documents submitted.
In cases where you’re uncertain of the validity of any information contained in the Kingsize Credit debt collector’s document, write to the debt collector to stop collection activities until all the information they sent you regarding the debt is proven to be correct. Any pending claims or disputes should be addressed promptly to avoid further collection actions.
Demand for a return receipt after sending your dispute letter through certified mail so you are aware it was officially received by the collector.
The collector has a period of 30 days to make enquiries, investigate, and determine the validity of the debt. If the investigation finds errors related to past due amounts or purchased items, you may be entitled to a refund or correction.
If the King Size credit card debt is valid, the debt collector can proceed with collection activities but in a situation where the item is invalid, further corrections must either be made or the collector must halt all collection activities. The debt collector must endeavor to inform all organizations and bureaus who received a report of the defective item listed on your credit report. When disputing charges, it is important to submit all relevant documentation to support your claim.
It is also important to note this: debt collectors can’t take your home or your earnings.
When a debt collector promises to confiscate your home or garnish your wages without an official court order, be sure to note that as an act of debt collection harassment.
Excessive calls over your Comenity/Kingsize credit card debt?
Receiving calls from any of the following numbers?
1 (800) 339-2926
1-915-225-4970
(800) 400-5527
(800) 677-0249
(915) 225-4974
(800) 846-1600
800-806-4152
1-800-695-0466
1-800-220-1181
1-800-695-1788
If the answer is yes, then you are receiving calls from a known Comenity bank/Kingsize phone number. These calls may come from Comenity Bank, its affiliates, or agents acting on their behalf. You may be a victim of harassment from the third-party collector affiliated with them. The list above is not all the numbers that Kingsize uses. The calls can be from different phone numbers and still be Kingsize calling you. Cardholders might also receive text messages from these numbers in relation to collecting a Comenity bank/Kingsize credit card debt. Some consumers have reported being contacted multiple times regarding their Kingsize credit card purchases or account status. These calls may be subject to legal restrictions depending on your location. Contact our office right away to end the harassment.
About Us
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 stop robocalls from American Kennel Club, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.
