Is Comenity Bank Harassing You Over Past Due Debt?
Before you plan to pay back your Comenity debt as a result of their harassing phone calls, press your claim against Comenity for those harassing calls. Do not blindly acknowledge that you owe any sort of debt. Claims under the Fair Debt Collection Practices Act can be pressed in Federal Court and you will never have to pay our law firm to bring this claim.
The Fair Debt Collection Practices Act is a law that is designed to prevent debt collectors such as Comenity from harassing and abusing debtors and their families in America. Hire us as your lawyers in your debt collection harassment case against Comenity! We represent debtors for free! Imagine suing Comenity for those harassing calls, and making Comenity pay our attorney’s fees.
What is Comenity Bank?
Surely you’ve heard of Comenity Bank. If you don’t remember opening a Comenity Bank Credit Card, think back to whether you’ve opened a store credit card at any of the following stores:
- Bank Victoria’s Secret (VS)
- Wayfair
- Capital Bank
- Bank BJs
- Torrid
- Big Lots
- Ulta
- Lane Bryant
- Overstock
- Kay Jewelers
- Gamestop
- Bealls
- Sephora
- Buckle
- New York and Company
- Forever 21
- Zales
- Playstation
- Pottery Barn
- Children’s Place
- Express
- Carter’s
- Ceasers
- Woman Within
- Mastercard
Comenity LLC
3100 Easton Square Place
Columbus, OH 43218-6232
Telephone: (614) 729-4000
Know more here
Comenity Bank is a major credit card company that offers credit card services for all the above (and more) retail stores. Your card probably looks to be store-branded, but flip it over and you’ll probably see the word “Comenity” on the back somewhere, or perhaps it’s competitor, Synchrony, which is functionally similar. Comenity has over 30 million consumers who have a line of credit with it through its store credit cards.
Thousands of people that have incurred debt with Comenity are the unfortunate victims of Comenity’s predatory debt collection practices. It is important to know your rights under the Fair Debt Collection Practices Act (the “FDCPA”) so that you know what your recourse is when this happens to you. The FDCPA provides consumers a legal remedy when Comenity engages in abusive debt collection practices. The FDCPA makes some of these practices illegal and allows for consumers to sue Comenity in Federal Court for violating the act.
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The Fair Debt Collection Practices Act
Comenity either attempts to collect debts from consumers directly or through third-party debt collectors. Debt collection harassment and deceptive practices can come in the form of phone harassment and even through deceptive collection letters. If Comenity hires a third party debt collection agency in an attempt to collect a debt from you, be sure to know that it is illegal for the debt collection agency to do any of the following:
- The fair debt collection practices act forbids debt collectors from calling consumers at odd hours. Typically, a debt collector cannot call you early in the morning (before 8am) or late at night (after 9pm).
- The debt collector is forbidden from disclosing your debt to anybody but you. If they tell anybody else about your debt, they have violated the FDCPA. This doesn’t mean that a debt collector can call others to look for you, but they cannot disclose to them that it is with regard to a debt.
- The debt collector must candidly tell you that they are a debt collector and that they are attempting to collect a debt and must disclose who the original creditor is.
- A debt collector has a duty to send you validation of the debt if you request it.
- A debt collector cannot pretend to be a Court or a federal authority.
- A debt collector must stop calling you if you tell them to cease calls in writing.
- A debt collector cannot threaten legal action or lie to you to pressure you into paying the debt.
- A debt collector cannot attempt to collect debt discharged in bankruptcy.
- A debt collector must not make excessive phone calls.
- A debt collector may not call you at work if they know that your employer does not approve of debt collection phone calls.
- A debt collector may not use profane language or threaten you with violence.
- A debt collector may not make misrepresentations to you to try to trick you into paying the debt.
- There are also dozens of laws under the FDCPA that debt collectors have to abide by in mailing a collection letter to debtors. We offer free reviews of collection letters that you deem harassing or deceptive to evaluate whether it violates the law. You could be entitled to money damages!
Has Comenity’s Deceptive and Abusive Debt Collection Practices Caused You Emotional or Physical Distress?
If a debt collector that is attempting collection on behalf of Comenity uses any of the above abusive, unfair, or deceptive practices in attempting to collect a debt, then they are in violation of the FDCPA and you can press your claim in federal court for such a violation. You may be able to sue and recover money damages if the violation caused you any of the below:
- Physical distress – stress related heart problems, migraines, headaches. A lot of consumers face this, if you go to a doctor for treatment for this, be sure to keep all relevant documents.
- Emotional distress – stress, loss of sleep, if your relationships with loved ones is suffering.
Statutory damages
The FDCPA states that a consumer can recover “up to $1,000” in a lawsuit to press an FDCPA claim. The actual amount will vary on a case-by-case basis, and there is no guarantee of recovery.
Haseeb Legal LLC will represent you at no cost to you!
Have you been receiving harassing calls? If you are a victim of Comenity’s deceptive debt collection practices, either by Comenity directly or through a third-party debt collector, be sure to call us. We will represent you AT NO COST TO YOU. You will not have to pay us! Hold Comenity and its debt collectors accountable.