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Are you experiencing Trek Credit Card collection harassment?

Have you been enduring harassment from debt collectors over your Trek credit card?

Has a debt collector been calling to tell you that your Trek bikes credit card debt is in collections? Are the calls getting excessive and you’re wondering what exactly it means for your Trek card debt to be in collections?

Your debt may go into collections when your original creditor has tried many times but repeatedly failed to get you to make payments. The debt collection agency will then step up the efforts to contact you, and you’ll start receiving calls and letters, sometimes persistently from them.

Here’s a timeline of what to expect when you’re late on your Trek credit card payment:

Days 0-30:    Your creditor contacts you to tell you that your Trek card payment is past due. You may also be charged a late payment fee.

Days 31-60:     Your creditor reports your missed Trek card payment to the major credit bureaus. This can cause your credit score to drop between 90 to 110 points.

Days 61-90:     After missing two Trek credit card payments, you may be charged a penalty APR on the credit card debt.

Days 91-120:     Your creditor may now involve a debt collection agency and also report a default from the Trek Comenity bank card on your account. This may drop your credit score by another 50 points.

Days 120+:     By now, your Trek Comenity card debt is likely in collections. The Trek credit card debt collector may threaten to take you to court and garnish your wages, depending on the laws in your state.

Allowing your Trek bikes credit card debt to go into collections can have a devastating effect on your credit score, but the level of the drop will also depend on how many other negative pieces of information exist on your credit history. If you have a great credit history, your Comenity Trek credit card debt may lead to a score drop of as much as 150 points. This is definitely not good for your financial life.

The Trek Comenity Bank card collection account can stay on your credit report for up to seven years. You can negotiate a Trek bike payment plan with the debt collector. However, paying off such debt won’t necessarily improve your credit score. This is because some lenders still make use of older scoring models when assessing your eligibility for credit. Unlike the new scoring methods, older scoring methods keep a record of negative collection information even if the debt has already been paid off.

You should reach out to us at 877-700-5790 if you’re having problems making sense of the details of your Trek credit card debt, or if you are being harassed by a debt collector.

About the Trek credit card

The Trek credit card is a great card for bikers to pay for and purchase their new bike easily. The option for monthly installments is also available for cardholders. The Trek Credit Card can be used at any Trek bike retailer but not for online Trek store purchases.

This Trek finance option also provides bikers with a range of opportunities regarding how they make their purchases.

Can you make a Trek Credit Card application?

No. You cannot apply for the Trek credit card because the program ended on December 6, 2021. For existing cardholders, remember to never grant anyone access to your Trek credit card login details for security reasons.

Instead of reading just Trek credit card reviews, visit for more information about your Trek card or Treks website

Contact Information

Trek credit card phone number: 920-478-2191

Address: 801 W. Madison St, Waterloo, WI, United States, 53594

Your rights during the collections process

Even though you owe the Comenity/Trek card debt and should definitely pay the money you owe on your Trek credit card, you still have rights when it comes to how the collectors requesting a Trek Comenity card payment can behave during their collection process.

One of the important laws under the FDCPA stipulates that the Trek bikes credit card debt collector is required to send you a debt validation letter about the debt within five days of contacting you.

This letter must detail the amount owed, the name of the original creditor, and how you can dispute the Trek Comenity bank card debt if you don’t agree with it (you have 30 days to challenge or dispute the debt in writing).

The federal laws also give you certain rights like the right to request that the Trek credit card debt collector stops contacting you. You can make this request in writing. It is called a cease-and-desist letter and the Trek credit card payment collector is only exempted from this requirement when they need to inform you of an impending lawsuit or tell you that they’re stopping efforts to contact you or collect your debt. Nevertheless, this does not take away the fact that you still owe the debt and will be required to pay.

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect individuals like you from unfair and deceptive practices by debt collectors. This law only applies to third-party debt collectors and covers most debts, other than business debts. It also sets forth rules for how and when a debt collector can contact you.

According to the FDCPA, the Trek card debt collector is not allowed to:

  • Call you after and before the hours of 9 p.m. and 8 a.m. respectively.
  • Contact you at a location you’ve told them is inconvenient, like your workplace.
  • Harass or threaten you with violence, use obscene language, or excessive calls and contact as a method to try to get you to pay up.
  • Falsely threaten to arrest you, take legal action, or repossess your assets such as a car or home.
  • Deceive you by claiming to be an attorney or government representative.
  • Lie to you about your debt or how much you owe.
  • Add extra interest, charges, or fees against what is allowed in your state or specified in the contract with your creditor.
  • Garnish or threaten to garnish your wages without a court order.
  • Sue you for a time-barred debt that has exceeded the statute of limitations in your state.
  • Inform third parties about your debt unless it’s your spouse, guardian, or attorney

If the Bicycle credit card debt collector violates any of these rules or any laws that apply to debt collection in your state, report their behavior to the Federal Trade Commission, Consumer Financial Protection Bureau (CFPB), your state’s attorney general, or better still, contact a personal consumer protection attorney at 877-700-5790. Its free if you have a valid case of debt collection harassment.

Facing harassment from a verified Trek Credit Card phone number?

Are you receiving any harassing phone calls from any of these numbers?




(262) 567-1021

336 724 9688

+1 920-478-2191

If the answer is yes, then you are receiving calls from a known Trek Credit Card phone number. You may be a victim of harassment over the debts on your Trek Credit Card. The list above is not all the numbers that Trek uses. The calls can be from different phone numbers and still be Trek calling you. Cardholders might also receive text messages from these numbers in relation to collecting a Trek credit card debt. Contact our office right away to get the best team of consumer protection attorneys on your side.

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 the harassment from Terk, call us at (877)700-5790 for immediate assistance or visit our website at