Have you been getting incessant calls from debt collectors over your delinquent Zales outlet debt?
If you have fallen behind on your Zales credit card payment, your account may have been transferred to a debt collector who now has the job of calling you to recover the debt. Unfortunately, the number of instances of debt collection harassment is on the rise. Debt collectors don’t even try to be your friend.
If the Zales credit card debt collector is harassing you, don’t be intimidated. Although debt collection harassment is wrong, it is not uncommon, and it can be dealt with. A frustrated consumer may encounter difficulties when trying to resolve disputes, especially if a store manager provides misleading information or fails to address their concerns.
If the debt collector asking you to pay Zales credit card is using unlawful, deceitful, and corrupt practices in their debt collection process, they are harassing you, and you should not be silent about it. For example, one consumer reported being asked to pay a redacted amount that was not clearly explained by the debt collector.
To protect you from debt collection harassment over your delinquent Zales card payments, the Fair Debt Collection Practices Act (FDCPA) was enacted with strict guidelines dictating what the Zales credit card debt collector may and may not do to you when attempting to collect the Zales credit card debt.
The Comenity/Zales credit card debt collector is allowed to call you only between the hours of 8 a.m. and 9 p.m. When they do so, they must let you know that they’re a debt collector attempting to collect a Comenity bank Zales credit card debt from you.
The diamond card debt collector cannot harass you and must stop calling you after you have sent them a cease-and-desist letter (a written letter asking them to stop calling you).
As a consumer, it is expedient that you be aware of your rights regarding debt collections, even before you have debts. This will improve your chances of dealing with harassment from debt collection agencies and negotiating effectively. For instance, a frustrated consumer faced aggressive collection tactics after questioning a redacted amount on their account.
If you are being harassed by a third-party collector making demands about your Zales Outlet credit card, reach out to us at 877-700-5790 for immediate assistance.
Who is Zales outlet?
Founded in 1924, the Zales Jewelers store has grown from a single store selling cameras, jewelry, and appliances to a major international jewelry corporation. Zales is one of the prominent jewelry chains Zales owned by Signet Jewelers, a leading jewelry company.
Zales the diamond store is now in over 700 locations and has become one of the largest fine jewelers in retail shopping malls across North America and Puerto Rico. The division includes Kay, Jared, and Zales, each operating their respective outlets across North America.
With the Diamond card, you can make purchases in a Zales stores or online at zales.com.
The Zales Comenity credit card is issued by Comenity Bank and you can find more information about it or access your Zales Comenity login page here comenity.net/zalesoutlet.
To find out more information about making a Zales credit card payment, go to their website or visit the Zales pay my bill page.
Remember to keep your Zales outlet credit card login details secure. Do not volunteer that information to anyone calling you and claiming to be a debt collector, even if they are legitimate.
Contact Information
Zales phone number: 1‐800‐311‐5393
Address: 901 W. Walnut Hill Ln. Irvine, TX 75038
Is Zales Outlet contacting you over an old Zales credit card debt?
If the Zales card debt collector or any other debt collector is calling you about an old debt, take out time to find out what the statute of limitations in your state is. Find out when it’s okay to file a debt collection lawsuit against the collector contacting you about your Comenity bank Zales card.
Generally, the statute of limitations begins from the last time payments are made, or the last time the account was used (either through promising to make payments, making arrangements to pay, or even acknowledging the debt).
The actual date the statute of limitations begins depends on factors like the type of debt involved and the laws of the state you live in or the state indicated in your loan agreement. Any prior agreement regarding arbitration or dispute resolution may affect your legal options in these situations.
Reach out to an attorney in your state, or the DA’s office to find out the statute of limitations that applies to your situation.
A debt collector or creditor may still be able to sue you for a debt whether the statute of limitation has come to an end or not. In some cases, a mutual agreement between you and the creditor may be required to select an arbitration administrator or to modify dispute resolution procedures.
If this happens to you, you may use the statute of limitations as a defense otherwise, the debt collector or creditor may be able to get a verdict against you even when the debt is unenforceable. Certain claims may be governed by common law, or may be subject to modification if they conflict with applicable law.
You may still get debt collection calls and letters after the statute of limitations has elapsed. You must understand that a statute of limitation doesn’t erase your debt. It only places a limitation on how far a collector can pursue the debt. Other provision in your credit agreement may outline additional rights or obligations beyond those discussed here.
You can call us at 877-700-5790 for more information and expert advice.
Your Rights: Consumer Protection Against Debt Collection Harassment
When dealing with debt collectors over your Zales credit card or any account from major jewelry chains like Zales, Kay Jewelers, or Sterling Jeweler, it’s crucial to know your rights under federal law. The Fair Debt Collection Practices Act (FDCPA) was designed to protect consumers from unfair, deceptive, or abusive debt collection practices. This means that debt collectors must follow strict guidelines when contacting you about your Zales Outlet account or any other credit card debt.
If you’re contacted by a debt collector, they are required to identify themselves and disclose that they are attempting to collect a debt on behalf of Comenity Capital Bank, the issuer of your Zales credit card. They cannot use threats, abusive language, or misleading statements, and they must respect your privacy and your right to request that all communication stop. If you feel overwhelmed by calls or letters, you can send a written cease-and-desist letter, and by law, the debt collector must honor your request.
It’s also important to review your credit card agreement carefully, as it outlines the terms for purchases, cash advances, other fees, and your rights as an authorized user. Understanding your agreement helps you protect yourself from unexpected charges or changes in your account information. If you notice errors on your credit report—such as accounts you didn’t open or incorrect payment histories—contact a credit reporting agency immediately to dispute the information. This is especially important in cases of identity theft or fake accounts, which have been issues in the jewelry industry according to reports from sources like the Wall Street Journal.
In recent years, Signet Jewelers, the parent company of Zales, Kay Jewelers, and Sterling Jeweler, has come under investigation by watchdog agencies and the (CFPB) for their in-store credit practices, payment protection products, and even illegal sales processes. These investigations, sometimes prompted by frustrated consumers or the York State Attorney General, highlight the need for vigilance when applying for store cards or credit at jewelry chains. Always review your credit application, birth date, social security number, and other personal details for accuracy, and never sign anything you don’t fully understand.
If you’re struggling to make payments or facing aggressive collection tactics, you have the right to seek help. Contact Comenity Bank or a reputable credit counseling agency to discuss your options. You can also file complaints with the FTC, CFPB, or your state Attorney General if you believe your rights have been violated. Keeping detailed records of all communications with debt collectors—including dates, times, and the names of the other party—can help protect you in case of a dispute.
Remember, you have the right to obtain credit and use your Zales credit card without fear of harassment or abuse. By staying informed about your rights, understanding your credit practices, and knowing how to protect yourself, you can confidently manage your accounts and address any issues that arise with debt collectors or jewelry companies. If you have questions about your credit card agreement or need assistance, don’t hesitate to reach out to a consumer protection attorney or a trusted credit counselor.
Understanding fair debt collection practices when dealing with Zales Outlet
