Comenity Bank Phone Calls

Creditors like Comenity Bank cannot harass you over a debt.  You have rights under the law.  We will stop the harassment once and for all.

THE BEST PART IS…

If Comenity violated the law, you will get money damages and Comenity will pay our fees and costs.  You will not pay us a penny for our time.  Plus, some of our clients also receive debt relief and cleaned up credit reports.  You have nothing to lose!  Call us today at 888-572-0176 for a free consultation.

Who is Comenity

Comenity is the bank behind most of your favorite brand’s credit cards.  Comenity is headquartered in Columbus, OH.  Comenity has about 50 million card members at hundreds of retail stores.  For example, Comenity backs the following retails store credit cards: Abercrombie & Fitch Credit Card, Ann Taylor, Bed Bath & Beyond, Crate & Barrel, New York & Company, Pottery Barn, Victoria’s Secret, West Elm, and hundreds more.  According to its website, “Comenity Bank and Comenity Capital Bank have been connecting customers to the brands they love for more than 30 years.”

Comenity Bank’s Address, Phone Number, and Contact Information

Comenity’s mailing address is PO Box 182273, Columbus, Ohio 43218.  Comenity’s main phone numbers are 800-675-5685 and 855-506-2496.  Comenity’s website is https://about.comenity.net/  You can also contact Comenity through its website at https://about.comenity.net/contact

Phone Numbers Used By Comenity Bank

Comenity likely uses hundreds of phone numbers it uses to call consumers.  Here are a few phone numbers Comenity may be calling you from:

Comenity Bank Lawsuits

If you want to know just how unhappy consumers are with Comenity Bank, take a look at the number of complaints consumers have made online. Nowadays, most original creditors, credit card companies, etc. have arbitration clauses, which means that if you have a complaint against that company, you must file your claim in arbitration. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by the banks and big businesses. While it can be difficult to get a fair chance in arbitration, the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary.

Comenity Bank Complaints

The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls.  Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long.  You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line.  You can get $500 per call if Comenity violates the TCPA.  Have you received a message from Comenity that sounds pre-recorded?  Or, maybe the message you received from Comenity is cutoff at the beginning or the end?  These are tell-tale signs that the message is pre-recorded.  If you have these messages on your cell phone, you may have a TCPA case against Comenity.

The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts.  If Comenity took unauthorized deductions from your bank account, you may have an EFTA claim.  Comenity, like most collection agencies, wants to set up reoccurring payments from consumers.  Imagine how much money Comenity gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month.  If you agreed to this type of reoccurring payment, Comenity must follow certain steps to comply with the EFTA.  Did Comenity continue to take electronic payments after you said stop?  Did Comenity take more money from your checking account than you agreed to?  If so, let’s talk about your rights under the EFTA.

The Fair Credit Reporting Act (“FCRA”) works to ensure that no information reported to your credit report is false.  In essence, it gives you the right to dispute those inaccuracies that you find on your credit report.  We handled a lot of cases recently where Comenity reported debt on a consumer’s credit report.  Comenity likely reports on credit reports to obtain greater leverage over the consumer.  If Comenity is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report.  This is commonly known as pay for delete.  You pay Comenity, and they delete the debt from your credit report.  Even if Comenity is not on your credit report, maybe the original creditor is.  If you pay off the debt to Comenity, then the original creditor, and Comenity, should accurately report this on your credit report.

Several states also have laws that provide its citizens an additional layer of protection.  For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country.  If you live in NC, and you’re harassed over a debt, you may get $500.00 - $4,000.00 in damages per violation.  We work with a local counsel in NC.  Our NC clients have received some great results in debt collection harassment cases.  If you live in NC, and Comenity is harassing you, you have tons of leverage to get a great settlement.

HOW CAN WE USE THE LAW TO HELP YOU?

We will use state and federal laws to immediately stop Comenity debt collection.  We will send a cease and desist letter to get the harassment to stop the same day.  If Comenity violates the TCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages.  For example, under the FCRA, you can get up $1,000.00 in damages plus actual damages.  The FCRA has a fee-shift provision.  This means, Comenity pays our attorney’s fees and costs.  If you have a TCPA case against Comenity, we will handle it based on a contingency fee.

THAT’S NOT ALL…

We have helped hundreds of consumers stop phone calls from Comenity.  We know how to stop the harassment and get you money damages.  ONCE AGAIN, you will not pay us a penny for our time.  We will help you based on a fee-shift provision and/or based on a contingency fee. That means, Comenity pays our attorney’s fees and costs.

What If Comenity Is On My Credit Report?

Based on our experience, Comenity may credit report.  That means, Comenity may mark your credit report with the debt they are trying to collect on.  In addition to Comenity, a third-party debt collector may be on your credit report for the debt you originally owed to Comenity.  For example, if you owe Comenity, and Portfolio Recovery Associates is also collecting on the debt, both Comenity and Portfolio Recovery Associates may have separate entries on your credit report.  This is important because you will want both parties to update your credit report if you pay off the debt.

THE GOOD NEWS IS…

If Comenity is on your credit report, we can help you dispute it.  Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes.  Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them.  My office will help you pull your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision.  This means, the credit reporting agency pays your attorney’s fees and costs.  Therefore, you will not pay me a penny for my time.  We have helped dozens of consumers fix inaccurate information on their credit reports.

Complaints against Comenity

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Comenity.  Below are some complaints from the Better Business Bureau (“BBB”) and various consumer websites.  Comenity is not accredited by the BBB.  However, the BBB gives Comenity an “A-” rating.  Despite its “A-” rating, there are over 1700 complaints on the BBB.Here are some of the many BBB reviews and complaints regarding Comenity:

1.  “This bank handles the credit cards that Woman Within issues to buy clothes on the credit. I have been trying for months to straighten out            errors in my statement with very little response from them. I finally got them to refund some of the charges ($64.00) but still will no acknowledge that I have... two payments that they have said my banks returned "unable to locate". This is not true. I made a$60.00 payment from one bank and another $20.00 payment from another bank. These have been charged against my accounts with these banks. When they refunded me the $64.00 my records indicated that I owed them $44.60 and I paid it. They still won't credit my two payments and added another $37.00 charge against my account."

2.  “I have been paying on this bill sent Oct 2015 and I miss one payment. But I made it up August 2016 but my bill keep coming up more and more. I think I have paid this amount of $444 out by now.  I would like to know when my payment will end.”

3.  “On December 27, 2017, I contacted Comenity LLC regarding my Marathon credit card account. The account was seriously past due and I was attempting to make payment arrangements. I was informed by the representative that I was eligible to make arrangements in a hardship plan. I made a payment of $100... And set up direct payments in the amount of $30 to be paid each month for a total of 12 months. I was told that after making three payments on time that any late fees on the account would be removed. The down payment was accepted and on January 21, 2018, the first monthly payment was deducted. On January 25, 2018, I received an email stating that the account had been charged off and sent to the legal team. When I called today to inquire as to why the account was charged off and being sent to collections, I was told that the arrangements were not valid as they were made one day after the monthly billing cycle closed and that the original representative could not see that in the computer at the time of my call. I would not have set up arrangements nor made such a large payment if I had known the account was being sent to collections.”

Out of 80 reviews on Yelp, Comenity only received a 1 star rating. Here is a snippet of the reviews on Yelp:

1.  “RUN!!! They are not BBB accredited and they have over 90% negative feedback rating! They are notorious of harassment, unethical business practices, and one of the major contributors of lowering your credit score within months!”

2.  “This is the worst company to do business with.  I had a Talbot Charge Card which they service.  I disputed a charge, they gave me a balance to resolve it and then they did not stand by their word.  Never do business with them.”

3.  This bank is the true form of crooks. They lock your card account, so you are not allowed to make a payment through the website and force you to call the customer service line, then force you to pay a $9 charge to make a payment over the phone. Nothing continuing screwing over your customers. I opened a clothing store credit card, because it's the only way to get coupons or deals. I bought a $40 bra... that has now cost me over a 150.00. I will close this card and will never do business with your bank again...Stay away!!! It is not worth it... they will rob you blind.

Cases We Have Handled Against Comenity

I THINK YOU’LL AGREE WITH ME WHEN I SAY…

Threats and harassment by collection agencies can be pretty intimidating.  Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs.  Here are some of the cases we’ve handled against Comenity:

Randy v. Comenity: In or around March 2016, Comenity began placing collection calls to Plaintiff on his home telephone number. Comenity is attempting to collect on an alleged debt originating with Plaintiff’s mother, Julia. Comenity is attempting to collect on an alleged debt from a Pier 1 Imports Credit Card. In or around March 2016, Defendant placed a collection call to Plaintiff’s home telephone number and spoke with Plaintiff. During this aforementioned conversation, Plaintiff requested that Comenity cease all collection calls to his home telephone number. On several occasions, Plaintiff has spoken with Comenity and told Comenity to stop calling him. Defendant violated §1788.11(d) of the Rosenthal Fair Debt Collection Practices Act by placing telephone calls to Plaintiff repeatedly and continuously to annoy Plaintiff after Plaintiff requested the calls to stop. We stopped the calls and helped our client under the Rosenthal Act. We got our client a favorable result.

Meryl v. Comenity Bank: One of our clients who lives in North Carolina could not get Comenity to stop calling her. She called us and asked, “how do I get Comenity to stop calling me? We’ve helped thousands of consumers, so we knew exactly what to do. Within a day or so, the calls stopped, and our client was thrilled. We also pursued a case against Comenity based on the North Carolina Debt Collection Act.  , North Carolina General Statutes § 75-50, et seq. (“NCDCA”). Comenity started calling our client’s landline telephone in approximately November 2017. Comenity’s agents called approximately four (4) to six (6) times per day varyingly looking for our client. Comenity called our client regarding her two Comenity accounts, Woman Within and Pier 1. Comenity’s agents frequently call from 614-754-4136, 614-212-5286, 913-312-5191, and 614-754-4135. These are all Comenity’s telephone numbers. Comenity also calls from unavailable phone numbers. On or around November 07, 2017, our client requested that Comenity’s collector cease calling her landline telephone number. Despite our client’s request, Comenity continued to place harassing calls to Plaintiff’s landline.  Like most of our cases, we stopped the calls, and resolved our client’s case favorably.

Shanika v. Comenity: Our North Carolina clients claimed Comenity would not stop calling her. So, we went after Comenity Bank based excessive and harassing phone calls. Comenity was attempting to collect on debt(s) originating from New York and Company. Comenity called our client from 855-334-4198. This is one of Comenity’s telephone numbers. We argued Comenity called after our client said stop, called excessively, and threatened legal action against our client.  We stopped the calls, helped our client with the underlying debt, and got our client a great result.  She did not have to pay us a penny either.  Plus, we took care of everything in a matter of months.

Here’s What Our Clients Say About Us

Agruss Law Firm, LLC, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 120 five-star reviews on Google. Here’s what some of our clients have to say about us.“Michael Agruss handled 2 settlement for me with great result and he handled it quickly. He also settled my sister case quickly and now her debt is clear. I highly recommend Michael.”“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”“Agruss law firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Comenity Sue Me?

Yes.  Comenity can sue you.  Comenity can hired a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs.  If you’ve been sued by Comenity, do not ignore the lawsuit.  You may have defenses.  If you ignore the lawsuit, default will be entered, the default judgment, and then Comenity may seek to garnish your wages.  The moment you received notice of a lawsuit, contact a lawyer right away.  You can even represent yourself pro se.  If Comenity has threatened to sue you, or has sued you, call us.  We can help.

Can Comenity Garnish My Wages?

Yes, if Comenity has a judgment entered against you.  If Comenity has threatened to garnish your wages, or is currently garnishing your wages, contact our office right away.

Comenity Settlement

If you want to settle a debt with Comenity, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Comenity remove it from my credit report?
  5. If I pay this debt, will the third-party debt collector remove it from my credit report?
  6. If I pay this debt, will I get something in writing from Comenity confirming the payment and settlement terms?

These are not the only things to consider when dealing with banks and creditors over debt.  We are here to help you answer the questions above, and much more.  Whether it’s harassment, settlement, pay for delete, or any other legal issue with Comenity, the folks at Agruss Law Firm are here to help you.

Share Your Complaints About Comenity Below

Post your complaints about Comenity.  Sharing your complaints about Comenity will help other consumers know what to do when Comenity starts calling. Sharing your experience may help someone else.

HERE’S THE DEAL!

If you are being harassed by Comenity over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls.  Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee.  That means, the collector pays your attorney’s fees and costs.  You won’t pay us a penny.  We have settled thousands of debt collection harassment cases.  Let us help you today.  Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

Related Articles

See all of the phone numbers that Comenity may be calling from.

How It Works


You have rights

Robo-callers and debt collectors may be violating the law


We stop the calls

We make sure this number never harasses you again


You get money

Up to $1,000 for harassment, and $500-$1,500 for illegal robocalls


You don't pay a dime

The other side pays our fees and costs.

We serve our customers nationwide

Hear from our clients

We are listening.

Submitted Complaints

I have victory secrt acc and they charge me for there mistake it not fair and inblavebal it is shame who this bank operate

Michael Agruss Headshot

Hi Najiyah, this sounds like a common complaint that we receive regarding Comenity Bank. Luckily, you came to the right place. We have resolved countless other consumers' issues with Comenity and we can resolve yours too. But first, I would like to get some more information from you to see if we can help. Please let me know if you would like to speak on the phone or if you have any further questions. Thanks, Mike.

They obtained a default judgement without serving me. Found out when the sheriff came to collect on a writ of execution. I have minimum social security so they have nothing. However I own my home that is valued under the homestead. I don't want to go bankrupt if possible, so I am preparing to file a motion to dismiss. I find they have served my daughterinlaw. They claim to have served her twice but did so only once, which was rejected because my son had an attorney let them know they had the wrong Joe. I have seen the court record online and will get the full thing when I go to town. I believe it makes it clear they are in the wrong and may have violated my sons rights and mine! Sorry about the lengthy story. Thank you Joe

Michael Agruss Headshot

Hi Joe, this must be stressful for you. I would like to speak with you about your situation to get more details on this judgement. Comenity has troubled many consumers in the past so we may be able to help you. Please give me a call if you are interested or have any questions. Thanks, Mike.

Got a letter from Comenity stating Full Beauty credit card refused because of credit freeze. Did not apply for credit card with Full Beauty.

Michael Agruss Headshot

Hi Dean, Comenity has sent this type of erroneous letter to other consumer that we have helped in the past. Have you told them that you do not have a credit card with that company? Please call me if you have any questions, we can help. Thanks, Mike.

My wife and I qualified for a $ 16000 credit line with Comenity at Tile Shop in Tampa, FL and made an initial purchase of $ 2459.48 on 2/23/2019 from Tile Shop Tampa, through Tyler. We selected the Interest free promotion for 18 months. We received our first statement of the purchase from Comenity in mid March with a due date of 4/20/19 for the purchase. We made the payment and after making the payment, also made some smaller purchases from Tile Shop, all under 18 month interest free program through Comenity. We received our April Statement in mid April with a due date of 5/20/19. On the second statement, Comenity had charged us interest on the initial purchase of $ 2459.48 at a rate of 29.9 %. The interest had not been deferred on the larger purchase only on the two smaller purchases we had made. We called both Tyler at Tile Shop and a Comenity representative, and explained the situation. We saw that our smaller purchases of $ 200 and $ 300 had been put on interest deferred for 18 months, but not the very large initial purchase. Comenity opened "an investigation". We received a letter from Comenity in May indicating that it could take up to 3 months. I just now called today, 7/23 to ask about the status of said investigation, spoke with a supervisor who wouldn't identify herself and was told our appeal was denied. I asked why and was told it was because "the back office" indicated that the dispute took place after 70 days from the initial purchase on 2/23/2019. My wife and I weren't aware that that the purchase had been miscoded and didn't reflect the 18 months, no interest program until we received our April statement, due 5/20/19, showing interest had been charged, in error and that's when we immediately brought it to Comenity's attention 70 days after the purchase occurred. This company, Comenity, is deceptive, fraudulent and unethical. What person in their right mind does interest deferred on small purchases of $ 200 and $ 300, but not on the largest purchase of almost $ 2500? Now, I'm stuck because they have the ability to ruin my credit rating, I have to pay the whole amount of $ 2459.48 with interest, before they'll even accept payments toward the interest deferred amounts of only $ 200 and $ 300, not doing so damages my credit rating and credibility and I am not a thief. What company hides behind a 70 day window to correct an error that we, my wife and myself, didn't make because it took us longer than 70 days to discover an error had been made by Comenity in how they coded the initial purchase. It's shameful that a credit card company would be so shallow and such a bottom dweller that they would sucker customers in like that. Right is right, to this point I've been patient, I'll be patient no longer. I've already sent, tonight, written complaints to the FDIC and our own State Attorney's office. I've cancelled every store credit card underwritten by Comenity, just because of Comenity. Did you realize that they have an "F" rating from the Better Business Bureau?? I didn't think that was possible. I'm not the type of individual that will simply accept this from a company and look the other way while a company puts the screw to me. I'd like to explore the opportunity to sue Comenity for deceptive business practices and punitive damages. This is fraud, pure and simple and the fact that they wouldn't correct the matter when I have the original paperwork from Tile Shop showing they put the $ 2500 in as the promotion, is an intentional tort on their behalf to better their bottom line by charging interest when the promotion clearly indicates it should be deferred.

Michael Agruss Headshot

Hi Gerard, I would certainly be frustrated with what is going on if I were you. Luckily, you came to the right place. Comenity has harassed many consumers in the past. We have resolved dozens of cases against Comenity for other consumers, and we can help you, too. Please give us a call so we can see how we can help you. Thanks, Mike.

Comenity offered a payment arrangement on my smile generation card because i had been laid off from my job. I have had these payments taken automatically from my account every month and have never missed one. I did tell them not to call me, then started receiving calls from family members that Comenity is calling them to get me to call. They have decided that their payment arrangement is no longer acceptable and charged off my account and will turn it over to collections unless i make a new arrangement changing the amount from $40-$220 a month. this is crazy!! and how can they legally harass my family when they are not on this account?

Michael Agruss Headshot

Hi Amy, this definitely sounds like debt collection harassment to me. Comenity should not be calling your family nor should they be calling if you told them not to do so. These violations are due to the Fair Debt Collection Practices Act and you can be compensated for this harassment. Please give us a call if you have any questions and are interested in our help. Thanks, Mike.

Hi, I owe Comenity bank (LOVELOFT Mastercard) they call me repeatedly all day long. They have called my place of work, they have called my sister, and my parents twice. I called and asked them to stop calling my family. I also sent a secure message on their site asking them to stop and they called my parents again. They have my correct phone number and address - there is no need for them to reach out to anyone else.

Michael Agruss Headshot

Hi Laura, you are right, they should not be reaching out to your contacts. Comenity should not be calling third parties according to the Fair Debt Collection Practices Act. Also, they should have stopped after you told them to stop. Did you call telling them to stop as well? Please give us a call with any questions you may have. Thanks, Mike.

I have a credit card through them thrust I got at Victoria’s Secret and I’ve been trying to pay it off but with my car and having a job that doesn’t pay much I don’t get paid much but they keep harassing me and calling multiple times a day.

Michael Agruss Headshot

Hi Emily. Have you called them to tell them to stop calling you? This may be harassment under the Fair Debt Collection Practices Act, but I want to get more information from you to learn more about your situation. Give us a call and we can help you. Thanks, Mike.

Comenity Bank offers a joke of a heartship program that I am in so much need , they threw me out of the program while I was paying faithfully just cause I was late on a payment for few days . I tried working with them an they still reported me to the credit bereau even after paying them , the credit an payments they kept it an never put it back in my account , they call me every day harrasing me even private calls an spoof calls. They don’t want to help me at all even after I explained my situation , the heartship program is a huge joke there isn’t any heartship at all , if they don’t get there money they throw you out of program and harass you with calls and the payments for the hardship program is still high don’t know why they even do a program is down right cruel there conditions

Michael Agruss Headshot

Hi Stephania, I'm sorry about what you are going through. Have you told them to stop calling you? And do you know if there is a live person speaking when they call you or if it is an automated voice message? For you, they may be violating the Fair Debt Collection Practices Act and/or the Telephone Consumer Protection Act, but I would like to hear more about the details of this harassment. Please let me know if you have any questions and I can see if we can put an end to this. Thanks, Mike.

I was very deceived by this company once they told me my payment was paid in full they continue to Bill me

Michael Agruss Headshot

Hi Janotta, that would definitely be an unfair collection practice. Was the payment reported paid in full or did you actually pay in full? Also, have they called you about this debt? I would like to get some more information from you. Please give us a call if you are interested in our help or if you have any questions. Thanks, Mike.

I am having the same numbers call me over an over within minutes of each other. Isn't that harassment? 9133125191 that is just one of the numbers that I'm getting calls from!

Michael Agruss Headshot

Hi Courtney, it may be harassment. Are they calling you about a debt of yours? And have you told them to stop calling you? If you told them to stop, they should have stopped - otherwise that would violate the Fair Debt Collection Practices Act. I would also like to know what they say in these calls so that I can see if we can help you. Please let me know if you have any questions. Thanks, Mike.

New dentist hooked me up with commenity. commenity bank gave dentist the whole $5000 before any treatments occured....I thought I could sue dentist....wrong dentists cannot be sued......Now I want to sue commenity for releasing all $5000 to dentist before treatment. I paid $2500 then I realize I need to sue commenity... dentist work was horrible/teeth were to big and some to small I could not close my mouth. dentist would not fix his work....had to go elsewhere

Michael Agruss Headshot

Hi Karen, I'm sorry to hear that. I do want to get more details to see if this qualifies as harassment. Please give us a call with any questions you have and to see if we can help you. Thanks, Mike.

Got a Letter from comenity capital bank PayPal saying I had applied and rejected. I did not apply for credit!

Michael Agruss Headshot

Hi Gerald. Are they harassing you repeatedly? Also, have you notified them that this was an error and to not contact you again? If they are continuously sending you letters, we may be able to help you. Please let me know if you have any questions. Thanks, Mike.

Debt Collectors From Comenity Capital Bank HealthiPlan has been calling me and leaving voice mails. I asked them to stop the calls twice. They have violated the Fair Debt Collection Practices Act and the Federal Trade Commission. They call at inconvenient times before 8 a.m. and after 9 p.m. They call all the time back to back calls. I've saved these people calls and voice mails. They have broken every law. They said the information can be put on my credit report and advised me to get a lawyer. This has been going on for months. I get calls from all these numbers: 800-675-5685 855-506-2495 720-356-3688 732-806-3199 609-400-7010 614-754-4136 614-729-9025 614-729-9031 913-312-9488 800-305-1215 Even though I block the numbers the calls still come through as restricted. This has caused me to miss many important calls like from my doctors because I turn my phone's volume off. Thank you

Michael Agruss Headshot

Hi Sandra, you are right. If they are still calling you after you explicitly told them to stop calling, they would be violating the Fair Debt Collection Practices Act. What do they say during these calls? There may also be a Telephone Consumer Protection Act violation if these calls are automated messages or systems. Please let me know if you have any questions. Thanks, Mike.

So I have a total of about 5 cards with Comenity Bank. I got a new Chase Sapphire Card and was all happy with my $15,000 limit. I've paid my cards on time every single month without any problems. Well suddenly Comenity starts dropping my limits on my cards and gets rid of Lane Bryant and HSN completely just closing the accounts that had ZERO balance on them!!!! Can you believe it??? I call them and they tell me too bad.

Michael Agruss Headshot

Hi Brandi, it sounds like a stressful situation. I would like to know more details about the situation to see if we can help you. We have resolved dozens of cases against Comenity in the past, and we can resolve yours too if I can understand it better. Please let me know if you have any questions. Thanks, Mike.

Comenity Bank has been harrasing us for a Credit Card payment of about $6,900, that we never lended from them. As a matter of fact, we have never opened any account with this bank. Somehow they reported this on the credit agencies, Equifax and Transunion. I just want to sue this fraud bank for $1M for harassment to me and my family over a credit card account that we never opened.

Michael Agruss Headshot

Hi Rahul, that would definitely be very unfair to you and your family. The Fair Credit Reporting Act allows you to dispute inaccuracies on your credit report, which sounds like the case here. It also could fall under the Fair Debt Collection Practices Act, but I would like to get to know more about your situation in terms of what they are doing and saying in harassing you. Please let me know if you have any questions. Thanks, Mike.

Comenity Bank is continuously harrassing me all day long. Telephone calls to me home and cell phone continuously. I block the calls and they call me on another number or comes in as unknown caller. They text me, send me letters. My accounts where paid. I mailed my payments out on time and they charge me late fees. I cancelled my cards and they still call over and over and over. It is completely stressing me out. I work in a critical care area of a pediatric hospital and I have to contend with this bullying and harrassment all day. Please help!

Michael Agruss Headshot

Hi Kathleen, I would also be very stressed in your position. Have you told them to stop calling? They may be violating the Fair Debt Collection Practices Act, and certainly if you told them to stop calling and they still do this. Please let me know if you have questions and would like to speak about your case in more detail. Thanks, Mike.

I have a client who has had her identiy stolen using comenity credit cards - 2x - we feel they hav enot had ade

Michael Agruss Headshot

Hi Andersen. Have they contacted this person about a debt? I would like to know more about what they have experienced in harassment so I can see if I can help. Please give us a call to discuss this further. Thanks, Mike.

I opened 2 accts. 12-16 and 12-17. I talked to the comenity rep on the phone and she gave me a due date. I inturn set my payments to draft and at $150 ove the payment for each acct. Ive been working in tx the last 2 yrs and yest my mother forwarded somemother forwarded my maill and when i opened i discovered comenity has been charging each acct a late fee since it was opened. $38.00 each acct each month since 12-16 and 12-17!

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Hi Robert, that sounds very frustrating. Comenity should have communicated that to you somehow that they would charge that fee. Please give us a call if you have any questions and we can see how we can help. Thanks, Mike.

In december of 2018;and jan 2019 i paid off the respect months purchases to victoria secrets ;in full ;in cash; in the store. I had been having problems with them straight accross the board, Victoria's secrets, store and their customer service; in mid feb 2019 i returned everything i had purchased online, for delivery promised by deccomplaints24,2018. after filing a several series of complaints by phone, and email and chat? on March 05,2019 i had a credit of 250 plus like a 75 dollar credit from customer service from feb 15, and on March 14th while at the store; my card wouldnt work, and i had checked it a week before and there was 395 dollars available of the 450 dollar revolving credit; and they lowered my available credit to 100 dollars, claiming that the credit bureas reached out to them and submitted to them that my credit had dropped drastically which was the basis for them taking my credit line down, and thereby taking the credits that were applied to my card, for purchases when the purchases were paid in full, at the end of each billing cycle. Victoria Secrets will not do anything nor will comenity bank. The only way the credit bureas claim that they reach out is in response to a credit limit increase(which i had not asked for nor did i authorize them to run my credit for any reason) as i had just purchased a new vehicle and new that my credit limits ration would be high until the other car was paid off(trade in)!

Comenity Bank/Victorias Secret is trying to collect on a fraudulent account. They allowed a cc in a VS store states way in a deceased name and ss#. They were sent the death certificate which showed the death more than a year prior to this cc they authorized and allowed to be maxed in the store. They refuse to drop this, after 6 months are only just now saying they will investigate the fraud but if they cant find fraud, will pursue the estate!

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Hi Beth, this sounds troubling. Luckily, we may be able to help you. We have handled many cases against Comenity in the past and resolved consumers' issues, and we can help you, as well. Please give us a call so we can get more information about how we can help. Thanks, Mike.

This bank is harassing my son. My name is Veronica. My sons name is Steven. My son has been threatened by these people. He’s a wreck. They were calling me everyday for months until I put a stop to the calls. Make them Stop harassing my son!

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Hi Veronica, I'm sorry you and your son are going through this. Are these calls about a debt belonging to your son? Comenity should not be calling you about a debt that he owes since that violates the Fair Debt Collection Practices Act. This stressful outcome is what we try to prevent. Please give us a call and we can help you. Thanks, Mike.

I have three credit card with Comenity bank. They have messed me up so many times. The first they put me on a payment plan and didn't actually set it up in the system so I was having automatic payemts taken out that were not covering the minimum payment. They have also stated several times that the payment they set up was the wrong amount so I was penalized for this. They told me I could make a payment later in the month when I was low on funds and that everything would be okay then called and told me they didn't know why someone told me that but I was now kicked off the program and would have to pay a deposit to get back on. Also with the contracts being invalid they are still taking money out of my account which I don't think they can legally do!

I sent back shoes with a shipping Label they provided they tired to charge me $10.00 without telling me I'm being charged Now they want me to give them $250.00 for Nothing! they have a good scam going!

I'm looking into you guys for my husband. Comenity bank keeps treating him and we want to know what are rights are. Is is on ssi and we only get one check a month so we try and pay as many bills as we can but insteand of trying to work with us they are threating him to take all his money out his account!

Jan 2018 I tried to leave a review on HSN for a lousy phone. The phone was not listed anywhere but my account. The phone was not in the HSN inventory. I called to report the missing item. The rep told me it is sold out, that's why it isn't listed. I told her sold out items remain in inventory. Later, the item appears back in HSN inventory. But, I cannot leave a review because HSN states I left a review. There is no review on my account for the phone. I checked my card account after I had made my payment. I called HSN Comenity Bank to report I couldn't log into my account. Feb 2018 I cannot log in to my account to make a payment. I called 4 times before a rep helped me get into my account. I missed the payment. Phone harassment starts, all day every 2 to 3 hours whether I make a payment or not. In 2019 Comenity Bank contacted two of my sons more than once. My sons have nothing to do with my account other than gifts sent to them, and, I believe at least one of them has an unlisted phone number. Note, regular payments are being made on my Woman Within Comenity Bank credit card during this time, as in Comenity Bank knows my location. I am sometimes locked out of my Woman Within account as well. I filed a complaint with the consumer dot gov website.

I NEEDED DENTURES. ASPEN DENTAL HAD ME APPLY FORA LOAN, NOT CREDIT CARD. I HAVE BEEN PAYING EARLY EVERY MONTH FOR OVER 2 YEARS ABOVE MT MINIUM PAYMENT. I AM NOW LIVING ON SS $622 A MONTH. I AM UNABLE TO PAY AT THIS TIME THE REMANDER OF $1497. WHAT DO I DO? WORST OF ALL I CAN'T WEAR THE DENTURES EVEN THO I HAVE HAD MANY ADJUSTMENTS. THE 125 I SEND EACH MONTH MAKES THE DIFFERNCE IN ME LIVING!

I keep getting calls from Comenity Bank asking for a name I haven't used for 40 years concerning a debt I supposedly owe Victoria Secret. The number they are calling me on has never been associated with the name they are asking for, and I have never done business with Victoria Secret. What can I do? They want to verify information, but I will not give then any fearing phishing!

Can u talk on phone? It is about a CC Acct w Stage (Comenity Bank). Tell them to leave message if I dont answer and make sure they mention Arguss law firm concerning Stage acct!

I'm constantly called by Comenity Bank for a debt that is not mine on my cell phone. They call looking for a Victoria Vickers. I have no relations and do not know a Victoria Vickers. They call my cell phone with harassing messages. I have called them back on several occasions to let them know I don't know this individual and to remove my number from their call list. I have filed a complaint with the CFPB and they have responded on 1.3.2019 advising my number was tagged do not call. None of my attempts to get the calls to stop have worked. They have also started calling my sister in law, harassing her!

I NEVER opened an account from any company relating to comenity. Moreover, the person they are leaving the message for have never used my telephone number. I receive approximately four calls every day. My telephone is on permanent Do Not Disturb because I simply can't take it.

I opened an account at Ulta to get the “deal” of multiple points. First, it’s impossible to figure out how to pay these people! Anyway, my credit limit was raised from 750 to 1100. I was in a shop one day, without my card and had to try to identify my account with my ID (I wanted those points!). Next thing I know my account is cancelled, not for lack of payment but for “other reasons. Okay. So then the phone calls start. Literally every hour. I do everything online. It’s difficult to figure out what one’s account number is (blacked out on the bill). The website is a joke etc. As of today my bill is paid in full. This company is spurious at best and just plain ridiculous at worst. I’ll use my old fashioned debit and forgo the points bonus. Shame on you Ulta for being in bed with such a sleazy operation!

Never open a credit card account with Comenity Bank. If you ever fall behind they will constantly put fees and charges on your account...even after it's closed. They tell you to call them and arrange payments but will not negotiate any payment arrangements. I tried several times to change a payment date. They would not budge. Plus be aware they report to the credit bureaus before the end of each mouth...so even if your caught up they will report you being behind. They have a license to steal and the FCC and the banking institution allows them to do it!!!! They must be owned by a group of greedy scam artists!!!

I am always getting calls that I'm behind on my payment. I make a one time payment and set up and auto payment for the due date... But somehow one always gets missed and I'm get all these charges in late fees and this is been going on for months. I have a few pictures and was wondering if this a a problem for other people!

I had HSN credit cards with credit limit $3000 (issued by Comenity bank ) for years , I always paid more than minimum on time , recently they sent me a letter said that they decide to drop my credit limit to $500 , so I was angry and decide to pay off the full balance to avoid to pay that high interest charge 28.99% . I just went to Comenity web again and found out my balance is $ -0- , and they again drop my credit limit to $100 , What a joke , Do not deal with this bank

I keep getting multiple calls from comenity bank multiple times a day. I owe the company only 170 dollars and they keep harrasing me with multiple calls daily!

This Commenity Bank is contacting my husband via his cell phone. They've called him three times in one day. Then they claim it's an urgent or seriouus matter. I do have a debt with them but don't him to be called. I don't need him to be called three times in a day saying it's urgent. This comapny has contacted me while I'm sick with the flu. I'm doing the best I can to pay them!

If you can avoid using Comenity Bank for anything I'd suggest you do so. Paid off a store card on autopay making double payments throughout the term of contract. Had a minimum payment of $27 and was paying $200.00 each month through individual $100.00 payments. Based on a technicality around where the bill cycle fell they'd been hitting me with late fees throughout the 8 months I was making payments. Customer Service hung up on me the first time I called and when I called back Account Supervisor told me there was nothing he could do. Absolute criminals. Robbed me of ~$180.00 in late fees.

Comenity bank charged an abusive sum of $1139 and other two charges of 200 and more at the same time over my 400 debt. They don't care, there is nothing you can do...!

I have paid for an item from Woman Within. I thought I had paid at the time I ordered in Sept. When I realized I had not, I paid the full amount ($23.49). They are charging me $100.00 in late fees. I do not have a credit card with them as I never received one!

I have been being harassed by commenity bank, They are calling and threatening me, calling people in my family that i don't even talk to telling them my business and how they got the phone number i have no clue. They are calling my job it has become a nu sense.

I received two letters in the mail inquiring about opening a credit card account, I have not applied and would like to look into this as I have had my identity stolen in the past, my application number is 0002002290683397310!

I'm having issues with comenity bank with a gamestop card I got. Well the issue is me and my wife paid the card off and a few months later were getting calls saying we are passed do and card was maxed out which is not the case we paid it off and putnin our safe just in case we had issues or something. Well they sent us a letter saying we need to send them a later saying basically its not ours which we did and havent heard from them in 6months and not we get a letter saying I'm getting sued and not once did I receive a call or letter so I don't know what to do!

I am getting repeated phone calls from 614-729-6083 on both my smart phone and home landline. Whenever I answer, there is no one at the other end. As far as I'm aware, I'm not behind on any of my charge accounts, nor have I received anything in the mail indicating missed payments or notifications from collection agencies. Therefore I have no clue what these calls are about.

Receiving several calls a day from Comenity bank, I never had an account with them but they are trying to get my niece that has never lived with me, I told them that and to stop calling me but the calls keep coming.

I have been receiving calls daily from comenity bank for the last 4 months. I tried blocking their calls, but they keep coming up with new numbers. I do not have a debt with them. I've told them twice in the past to stop calling here. They are asking for someone who lived here over 30 years ago. I repeatily told them, they don't live here!

I do have a debt with community, how ever the calls are excessive, they are even calling family members and leaving messages on their phones that I need to call them by a certain day or time regarding a debt, this is a personal matter and this should not be left on a phone that has not been verified to be mine or a family member.. I am totally exhausted with the excessive calls and now its starting with my family!

Robo calls. I do not answer but back in Sept I did and they were calling me trying to collect the entire amount due saying I was late etc when I was just one day late. I made a payment on Sept. 5. Next payment was due on Oct. 4, today is 10/15, I can not pay them until Friday but it is not even 30days. I have not checked my credit report. The calls however are crazy and average 3 - 4 per day from various Ohio and Kansas phone numbers. Started on the 11th and has been daily. Their fees are insane as well. Prior to September my last payment was a payoff in July. Then I made a purchase with Overstock total was $175.08. Aug/Sept (pmt)/Oct (late) and my total is $282.78, that is $107.70 in fees! Statement is asking for a $80 minimum. I have asked them before if I can change my due date to a Friday (payday) but they refuse. Statement due dates are all showing the 4th of the month but finance charges all post on the 4th!

I only answered their phone call one time by accident, Comminity Bank. At that time I did ask what the collection was for and they told me an amount and date but could not give me purchase place. I told them I have no such Gold Violen Account. She told me she would make note and transfer my call then hung up on me. I get a call at a minimum every 95 minutes EVERY single day of the week starting at 8:00 am. I have purchased two robo call blockers and they have helped but the calls continue and they have a way of sensing because they hang up on the apps. If nothing else I think I should be able to sue for mental duress. I pay for my phone and should be able to choose its use and not be harassed by people I have never even done business with. I am not a sue type person however this is ridiculous, it is interfering with my profession, my life and my mental health. I have read reviews and in my opinion these people need to go to prison for what they are doing to others. now that I gave you my phone number do not become another Commenity Bank and call me relentlessly, just help me. I guard my cell number like crazy!

my bill has been paid off but i was late at times and this has happened over three years. i was in torrid store once and charged 120,00 and they keep charging interest over interest, at one time i made monthly payment that was fine and they cancelled after three months and said they can only do automatic payments for three months. i need help i am 78 years old on fixed income and i am now a nervous wreck over this and all the phone calls from comenity anonymous & etc over 8 per day ffrom each andnumbers i ner heard of. i hope you can help me!

Many robo calls to my divorced wife, who has not used this phone # for 30 + years. You can find Karen Feezell on Google. She states that she does not owe any $ to Victoria Secret, & does not have their credit card.

Information on Comenity Bank and Comenity Capital Bank owned by Alliance Data Systems. The card services section is or was operated by Abby Kritikois and Melisa Miller--who intentionally violated the laws, collection fees, not taking fraud. CONTACT ME, I AM A VALUABLE ALLY to holding them liable, accountable and paying UP!

In June 2018 I received a bill from Blair Department store in the amount of $695.00. I have never heard of Blair Dept Store nor opened an account nor purchased anything from them, ever in my life. I filed a fraud claim with Comenity Bank. Today I received a letter from Transunion to report the investigation is complete and Comenity is sticking to the story of this being my account!

My deceased mother had a Talbots card with a $240.59 credit. On Nov. 5, 2017 I sent a letter to you requesting the credit be sent to me. I did not hear any response from you and would like to follow up. Thank you!

I have made payment arrangements regarding my past due accounts and have set up automatic payments which have been made successfully. I continue to get multiple calls daily regarding my balance anyway and have asked for them to stop calling and harassing me and they hang up on me when I ask them to stop calling

I have an account with commodity bank, I had a tough time paying back and they kept charging late fees and interest that have doubled my original debt. they call me like 10 times a day on different phone numbers, I block them because when I talk to them they harass me. They started calling my husband, and calling him on different number. Calling my mom now, and my aunt and giving them information about my debt. I do not know what to do, but this is seriously driving me crazy. I don’t answer numbers I do not know because I do not like the harassment from them. I have the extension of the lady who called my mom and aunt giving out my personal information and name!

Comenity bank and Citibank continues to call several times a day from 8am-9pm. They use different numbers and Unknow numbers as well robot calls. I’ve told them to stop calling. They won’t. Anything I can do?!

I have gotten 6 phone calls since June 20th that I refuse to answer. I let my voice mail transcribe and find they are from banks wanting me to call. They say It’s “in my best interest” to return the call. I block each call afterward but they just keep coming. I filed bankruptcy in 2013. Since then, I have had no issues. I divorced in 2015 and my ex has since passed on. I do not know if any of this involves him but I am not liable for any of his bills. All co-owned bills were dissolved in the bankruptcy. I never got any co-owned credit cards after bankruptcy. My credit report even shows that I owe nothing past due. I looked up the phone numbers on the web and see you are involved with stopping the harassment of some if not all of them. They are: 614-754-4060 614-754-4059 614-212-5292 303-255-5354 303-255-5354 614-729-5000 I am on the no call registry and have been for years. I re-registered a couple years ago to be double certain that my number was there. I have photos of the voice mail transcripts of the first 3 calls but I shut the last ones down before they could leave a message. I will let them leave messages from now on so that I can get the transcriptions. One feature of my phone that I do love. I also screen shot the pages where the phone calls show in recent calls to prove that I received them. I’m tired of them. I’m 64 years old. I got rid of a deadbeat ex and I’m trying to repair my life. My credit was excellent before he messed it up. That is why it’s not in the dumpster now. I don’t need this type of garbage to have to overcome next. I have life-lock to help keep my identity safe and several sites say they will notify if anyone uses my social security number. I’m just tired of all the negative in the world and want to retire quietly. Please help me get this stopped before I do in the next few months if possible!

They gave me a 3 month autopsy payment plan, then rescinded it after 2nd n time payment with no explanation, now calling and sent 4 threatening voicemails. I talked to them and the guy wouldn’t answer my questions hen hung up on me. Now they claim it’s 4 payments behind and they sent a settlement letter when account isn’t closed. I emailed them for answers and got automated, canned response to call them.

We are just a number these days and nothing more than a number to a bank or any company as a matter of fact. Last month I made a payment to this bank in error. I contacted them the same day the payment was electronically transferred to have the transaction reversed. They said they didn't have my bank information to do that, I worked at a bank and I think you can reverse a electronic submission without the receiving party have your bank information it just simply goes back to where it originated. Nevertheless I was left with 3 options lose the payment, have the amount return to me or use the charge card to absorb the credit amount. So I left the decision up to the bank and how they want to handle it. I told them I didn't have their credit card any longer so they would have to re-issued me a card or they could return the amount by check so they say they would send me a check. They told me it would take around 14 days to issue the check. I checked my credit card account and the return was issued on 6/5 as of today I haven't receive the refund. I have contacted this bank a couple of times and the only information I have been give is the most famous line in the world. "THE CHECK IS IN THE MAIL." I realize this was my error but if I owed this bank a payment and I was late I don't think it would take them almost a month to access me a penalty for non-payment. We are nothing more than a number for these bank, no one is held accountable for there actions anymore so they do as they please.

I've been receiving robocalls from Comenity 614-729-6086. I recently also found out that they have been calling my father's office, which they probably found the number online since we have the same name (I have never provided any number other than my personal cell). They also gave information to my sister about the purpose of the call and and the amount they were trying to collect which I am pretty sure is against the FDCPA here in Florida. They frequently also call through an unknown number. How can we stop the harrasment and get compensated?!

I owe comenity on several accounts and have worked out a repayment plan with them using their hardship program. There were some accounts they could not put on the hardship program. They have been calling my son, my daughter in law and just the other day called my 85 year old Mother in Law telling her that I gave them her number as a backup number which is totally false. I don't even know her phone number. I have told them not to call my friends or my relatives and have provided them with a number to call me at and told them it is to be the ONLY number they should call me on. What can I do? How can they continually call my relatives? I thought that was illegal unless they didn't know where I was but I have told them how to contact me. Oh and they call my home and cell phone probably 30-50 times a day. Lilli Anderson

I live in SC and I am getting numerous calls from Comenity Bank saying I need lawyer, harassing me, and just called my 70 year old mother. I don't know how they got her #. Can I get any help living in SC?!

I'm having massive issues with Comenity Bank. I've had several accounts with them, all of which I've fallen behind on due to different circumstances and they're calling me from multiple numbers up to 40 times a day. Yesterday I had a voicemail saying my situation with them was going to change severely if I didn't call them back by 6:30, unfortunately I was working and was unable to call them back. I'm not sure what to do about it all!

I constantly get calls from this Comenity person. they keep calling my business number even though i have nothing to do with them and have a great credit score of over 800!

Issues with Comenity Bank dba Smile Generations Credit Card are as follow: Every monthly payment due I try to make the payment on or before the due date of the 16th of the month. The Smile Generations Credit Card site locks me out every time I try to make a payment. The site will not allow back in until after the due date, in which I have contacted customer service to unlock the site and they simply tell me I'm using the wrong username and they cannot unlock the site until one hour after a lock out, thus giving me a $45.00 a month late fee. I have told customer service I will be seeking legal counsel on the matter and they simply state, "Comenity Bank encourages its customers to seek legal help and bring forth legal action, as it is welcomed". All in all they are adding unnecessary late fees to my account, when I prefer to pay via the web for convenience. I'm seeking all legal avenues against Comenity!

Yes this bank is harassing my son. My son has been threatened by these people he’s a wreck. They were calling me everyday for months until I put a stop to the calls. Make them Stop harassing my son!

Comenity bank is calling me 6-20 times a day and it’s harrassing. I’ll pay off the credit card when I can. I have proof it’s them, they left a recorded voicemail on my phone by the number that calls up to 20 times a day!

I have an account with Torrid which is serviced by Comenity Bank. I make my payments when I log into Torrid to pay the bill..It registers and says thank you for your payment. When I check my bank a week later the payment is not there and Comenity says i made no payment and charges a late fee and interest . This happens fairly consistently .the payment registers and then vanishes . they say I closed the browser after paying too soon so it can't go through which is crap. My balance won't go down even after making payments.

So comenity shows up on the caller id they call aggressively and when answered they dont reaspond it scares the heck out of my kids they think its a burglar seeing if someone is home, i try to explain to them but there children they dont understand if you can help thankyou very much 6 times an hour is Harassment and very unnerving!

Comenity Bank refuses to remove a hard credit inquiry from my credit report. The inquiry was completed online and not by me, for apparently what I was told was a Meijer credit card. Thus far, I have been told on three different occassions, since October 2016, that this would be removed from my credit report. Today, I was told that I would, once again, have to contact each credit agency to dispute the item on my credit report. I have done this twice, and each time, they say the information they report is correct. I've had this problem ongoing and other companies have gladly removed the information once they see the misinformation in the application, including that the person many times uses his own address. I was allowed to speak with a supervisor, who stated he would send the information to all three credit bureaus, today and that it would take 45 days to be removed. If it isn't removed, what can I do?

I have been getting harassing calls from comenity bank about a debt that I owe. They call me multiple times a day from different numbers, and "unknown" numbers. I cannot stop "unknown" numbers from ringing on my phone, so my phone has been ringing while I am at work and it's causing me stress. I have no proof that they are the ones calling since they are calling from an unknown number. I have answered to them before though so I do know it is them I have spoken with them about my financial hardships right now, and now they are threatening me with a lawsuit and telling me that I need to get a lawyer. I'm not sure what to do I would appreciate contact on this issue. Thank you!

comenity bank, rude and harassing me over a bill thats 4 days late. I live in NC and im interested in the comments that said tey can be penalized for harassment- plus im on the Do not call list!

I am receiving threatening and harassing calls from Comenity Bank regarding my three credit cards. They said they won't stop calling until I settle my debt, and they won't accept my proposed payments!

I am constantly being harassed by Comenity Bank regarding my three credit card accounts. They will not work out a payment plan with me, and they have threatened me with lawsuits.

Hi Megan, I'll let you know how to get Comenity to stop calling you and your parents. Once you tell Comenity to stop calling, under the law, the calls should stop. If they do not, then you and your parents may have a case under various state and federal laws. I handle debt collection harassment cases and robocall cases on a fee-shift provision and/or contingency fee. Either way, I do not get paid unless you get paid. So, you have nothing to risk. I'll call you to further discuss your rights and options on the phone. Thanks, Mike.

Hi Gordon, I can stop the calls to you and your mother. That's terrible Comenity Bank is harassing your 85-year-old mother. Comenity Bank does back Tog Shop credit cards. I'll stop the calls ASAP. When we talk on the phone, or through e-mail, just let me know the numbers that Comenity calls you from. That will help me. Thanks, Mike.

Hi Amanda, I can certainly help you stop these calls. I can also help you with the identity theft issue you're going through. If these bills collectors are robocalling you on your cell phone, you may be able to get $500 in damages per call under the <a href="https://www.agrussconsumerlaw.com/practices/robocalls/" rel="noopener" target="_blank">Telephone Consumer Protection Act</a>. If any of these debts are on your credit report, I can hep you dispute the and get them removed under the <a href="https://www.agrussconsumerlaw.com/practices/credit-report-problems/common-credit-report-errors/" rel="noopener" target="_blank">Fair Credit Reporting Act</a>. Let's further discuss your situation on the phone. I'll call you. Thanks, Mike.

Hi Deborah, I'm sorry to hear you are going through this type of harassment from Comenity. Calling is one thing, but threatening for you to get a lawyer is another thing. I can help you stop the calls once and for all. Let's go over your options on the phone. Thanks, Mike.

Hi Melanie, I am not surprise Comenity is calling you 7-10 times per day. I've helped dozens of consumers who've complained about similar collection tactics by Comenity. I can help you stop the calls. I can also see if Comenity violated any state or federal laws in its attempt to collect this debt from you. Let's discuss your rights and options on the phone. I'll call you. If I do not connect with you when I call, please call me at 888-572-0176 or e-mail me at [email protected] Thanks, Mike.

Hi Lucille, I can help you stop the calls. You should send Comenity Bank (the bank that backs your Woman Within and Full Beauty credit cards) a letter asking them to close your accounts, enter into a payment plan (even if it's a nominal amount), and ask them to stop calling you. I can help you send this letter. I can also discuss your rights under the law with you on the phone. You may be able to pursue a case against Comenity for robocalls or excessive calls. Thanks, Mike.

Hi Martin, it sounds like Comenity Bank, which backs Victoria's Secret, either hired <a href="https://www.agrussconsumerlaw.com/portfolio-recovery-associates-stop-debt-collection-harassment/" rel="noopener" target="_blank">Portfolio Recovery Associates</a> or sold your debt to Portfolio Recovery Associates. I'm familiar with Comenity and PRA. Let's discuss your rights and options under the law. Even if Comenity and PRA did not violate the law, I can help you try to settle this debt for a reasonable amount. Thanks, Mike.

Hi Janie, I'm sorry to hear about your medical issue. I bet Comenity could care less and that's why they are blowing up your phone. Does Comenity call you on your cell phone? If so, and if you've told them to stop calling, you could have a case under the Telephone Consumer Protection Act (TCPA). The TCPA deals with robocalls to cell phones. If you live in a state that protects you from original creditors, then you may have a case for excessive calls. For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country. If you live in NC, and you’re harassed over a debt, you may get $500.00 – $4,000.00 in damages per violation. I'll call you so we can discuss your rights and options under the law. Thanks, Mike.

Hi Nicole, You are protected under federal laws, and possible state laws (depending on where you live), when it comes to Comenity. I bet the 6 calls from the blocked number was Comenity. Comenity Bank is one of the most highest calling companies I've ever seen. They've called my clients over 8 times in a single day. I can help you stop the calls. I can also see if you have a case under various debt collection harassment laws. Thanks, Mike [email protected]

I have been receiving phone calls from comenity about a bill that is late. Yesterday, I got a few strange numbers. I didn't answer and they didn't leave a message. Today, I got 6 calls from a blocked number. When I finally answered, they declared themselves to be comenity. He even said my bill is over a month late. This is a fallacy and deceptive. My bill was due on 11/12 and today is 11/22. They have been calling me for at least 3 days. The total for today being 8 times.... for a measly 10 days late! When I told the man that I was displeased with the amount of calls I had received in one day, he tried to say he was with debt collections and didn't have to take customer service issues.

I have a couple of credit cards with comenity bank. I was paying them on time and for some reason never received a bill at my address so I must have missed payment. they added these unbelievable fees. I am having a difficult time right now with medical bills and I explained and said I can pay part of it but am having a difficult time agent said you owe it and after I made a payment they start calling all day from 9: am until 8:00pm. Using different phone numbers so I had to turn off answering machine it jammed my voicemail. I am senor lady and its making me ill. Don't know what to do. I appreciate anyway you could help me. Thanks, Janie!

I had a small account at Victorias secret I used to buy about $250 worth of items..yet every month i made payments they had some new "Fee" or interest change and the amount never went down. Then I made a large payment ( to a $200 balance as it NEVER went down much despite $50 and $60 payments ) and right after the large payment it went right back to $250...I then became very ill and explained to them if I was late it was due to treatment and recovering etc but that I had made a payment and actually made more...then the aggressive calls started ..and continued even after i explained I always made payments and would catch up in few weeks.then no more calls...now a company called Portfolio recovery keeps calling and writing saying i owe $620+ ?? But they will do a SIF for a 1 time Offer of $430. I told them good luck as I had paid most of it when they stopped taking my calls and my account disappeared from the site..now over a year later they call with acrued interest when there was no Way to pay or get info... They need to be brought down and every penny i paid over the $250 given back...They are Scum buckets!

I got behind on my Woman Within &amp; Full Beauty accounts because I am unemployed but looking for work. They start calling me before 9AM every day on their unavailable line then they call me on an Ohio number, Colorado, etc numbers. I have asked them to close my accounts but they won't do it so the late charges can keep adding up. I owe them approximately $400 on one and $500 on one!

I have been receiving about 7 to 10 phone calls a day from comenity bank. Yes i know i owe on my credit cards with them but i also am a single mom of 3 kids. Their needs come before anything else. It is to the point that when i can afford to pay i will make arrangements by phone but as soon as i miss the next one or any other reason they are calling daily now. As early as 8am till after 9pm... I am to point i want to shut off my phone for good because of the calls. However i dont due to if my kids need me. Any help or advice would help!

They keep calling and harassing. I am one payment behind! They call all hours early morning and late at night. They threaten for me to get a laywer! It's insane!

January 2017 I had my identity stolen. So I spoke to community bank because I have three credit cards for them explain to them that my knee was stolen I was trying to work on it. I have not got that accomplished yet so therefore I can’t pay nothing on the bill getting 30 calls a day for these three bills I told them I would talk to them as soon as I can get something straightened out and are they just keep calling over and over and over. Please let me know what has been to do to get them stopI explained I would pay them as soon as I got the money!

I am getting about 10 calls a day from the comenity bank for bill that has been paid. Anyway to stop these calls. If I give you my number you wont call it like the comenity bank? 10 timesa day. Have them send me an email and then I give them my phone number Spanish Fork, Utah I can provide the details in the morning, but comenity is actually harrasing my 85 yr old mother. I made a mistake and included phone number on a letter we sent them showing her bank statement that shows she paid the bill. The company was the Togg Shop. Sorry I am typing on my phone!

Hi there, I am having massive issues with Comenity Bank. I owe them a little bit of money, but they have been constantly harassing me now for over a month. Several unknown and OH area calls a day on my cell phone, and the final straw was when they contacted my parents and were harassing them. Is there anything I can do to make these calls stop?? The money I owe is not enough to be harassed over. Not like I am thousands of dollars in debt to them. I think Total between my 2 cards I owe maybe $400. It's not that I don't want to pay, but life happens and I have been unable to pay for a couple months. I don't want to keep being harassed and I don't want them calling my family! Please help!!!'

I hate them so much. If I happen to be a day late I've already received 5 calls from them. They have taken payments from my account that never got authorized. I used to mail in payments until they kept charging me late fee because my mail would some how always show up the day after my payment was due even tho I sent it a couple weeks before. I can't wait until this debt is paid off and never ever again will I deal with them.

I have 3 clothing apparel credit cards through Commenity. I haven't been able to make payments in awhile since I am disabled and I know I owe the money. However they call 100+ times a day from "unknown number" since I blocked all the other numbers they kept calling me from. It's non stop. Today my boyfriend's parents got a message from them trying to get ahold of me! How the hell do they even get that information? I am afraid they are going to start harassing them now as well. Are they legally allowed to call random people in my life about MY debt!? This crazy.

I have multiple Comenity Bank cards and due to job loss last year I fell behind. The calls are NON STOP and from a hundred different numbers!!

I Lost My Baby in September and was unable to go back to work for awhile. I called to try to work with my credit card companies before the bills were even due and let them know of my hardship and they couldn't do anything for me and they have been nothing but harassing ever since. I just received a threatening phone call today from one of the women that works there telling me that she would take an action that would directly affect me if I didn't call her immediately and they also call numerous times a day even from an unavailable phone number as well as a OH phone number. I don't deserve to be harassed I can't do anything about the debt right now and they refuse to work with me.

I have 2 accounts that are covered by comenity and I did get behind because "life happens" but not by very much. Try call at lease twice a day AND on sundays! They call my cell phone and my home phone. They even have it blocked so is shows up Private so I answer. Very sneaky.

I have 2 accounts with Comenity bank, VS and Lane Bryant. I have got behind on my payments as Winter bills are much higher than summer. It is Sunday, January 8th, so far I have received 13 calls today and it's only 3:35pm. They start at 9 am and don't stop until 9 pm. I thought there were laws in place as to how many times a day they can call you?

This number calls at least once a day and very often more than that, they never leave a message. My friends and family combined don't call as much as this number does and its been going on for months. My wife and I are here along with my service dog and its becoming very uncomfortable.

Comenity Bank and Victoria Secret. I am receiving non stop calls from them and now getting private caller calls about Victoria Secret and Comenity. I closed my account with a $0 and now they are saying my balance that I owe them is 1,500 and I know that is not true cause I closed my account after I paid them the balance. I am now in a pickle on what to do to get them off my back because I never opened another account with Victoria Secret and I don't want to send/pay them anything that I don't owe them. I feel like its a fraudently company that owns the company that issues the charge card. Please give me some suggestions on what I should do. It sounds like I am not the only person that is having issues with this company.

I currently have 3 cards with Comenity Bank. They call non-stop. I make monthly payments but they continue to call me. Lately they have been calling my husband and mother non-stop too. They aren't listed on the accounts neither is their phone numbers but some how they got them. I get text messages. They keep pulling my credit report. This month they reported that I fell behind on all accounts even though all payments went thru on their due date.

I opened a Loft Store credit card for a purchase of $7+. I already had the MasterCard, but was told in store if I down graded to the store card I could merge the two accounts and pay off my bill in store. When I found out this wasn't actually the case, I spoke with a comentiy respesentative who cancelled my store card and transferred the balance to the already opened MasterCard balance. A month past, and I got a call saying that my Loft store card was past due. I called Loft to straighten this out and was informed the card was never cancelled, but they would happily do it now, and removed the now late fee associated with my account. Which seemed fine until the next month when I received more phone calls saying my account was now 2 months past due, and now I owe over $50 in late fees. I called, yet again, and was told again that for some reason the card was never cancelled and that they would process that now and remove the late fees and I even PAID the $7 that was supposed to be transferred to the MasterCard. I was assured by the respresentative that she documented everything and that this absolutely would not happen again. And yet, it keeps happening! 5 months in a row now I've received calls telling me I'm past due and that I owe $100 in late fees and I have no idea how to handle this situation. The stress alone of going through each individual call and having to explain everything from the beginning is so frustrating! ! Is this something you've encountered before?

i have had a change in professions and my family has went down to one income i have been unable to make my payments on time or in some cases at all to Comenity Bank so for the last month or so they call me every couple hours seven days a week I understand i have a debt with them but to me this is right

I have an outstanding debt that I have recently made payment,and yet they call me all day sometimes 2x in an 1/2 hour! I am annoyed!!

Hi Tammy, we can help you stop the calls immediately. Comenity backs your Victoria's Secret credit card. Comenity is relentless with its calls. You're not the only one on this page complaint about harassing phone calls on a Victoria's Secret credit card. But, you've come to the right place. I'll discuss your options with you on the phone. At the very least, I will get the calls to stop today. Thanks, Mike.

Hi Shruti, You are not the first person I've heard this story from regarding Comenity. Comenity banks over 100 retail stores' credit cards. It seems like consumers frequently have problems with Victoria's Secret credit cards. It's nuts that after spending $85 dollars Comenity claims you owe now owe $600 when the issue was all Comenity's fault. I can certainly help you. If Comenity is call you, I'll stop the calls. I will also help you resolve the underlying debt. We'll discuss your rights and legal options on the phone. Thanks, Mike.

I never wanted to open a case with Comenity Bank but they talked me into it via Victorias Secret. My first and only purchase was in February 2014 in Panama City Florida, the day I opened my card. It was for $85. They told me that making payments would be easy, that I could make them in store, online, cheque, etc even with me being Canadian. That wasn't the case at all. I waited and waited for my card, which had my account number on it so that I could pay my bill. They harassed me with high amounts of calls daily, every time I picked up I would say the same thing: Sent me a card in the mail or figure out a way to get my account number to me (they cant tell me it over the phone) and I will make a payment today. It was 85 dollars that's nothing, I had no reason to not pay it. One day they called and I spoke to a supervisor, she realized instantly that this was an issue on the banks side and offered to waive any interest (obviously since it was their fault) and gave me a 25 dollar voucher. The day I got my card was the day I sent in a payment for $60.(85-25= 60) Now fast forward to 2016 they are saying the voucher doesnt exist and they have closed my account and sold is to a debt collector. The balance? $600. I have no idea how on earth that is allowed and what to do. I filed a dispute and didn't hear back. I followed up and they said there was nothing that they could do since they sold the account and closed it.

I did have a Victoria secret account about 5 to 6mths ago. I lost my job and was not able to make payments I told them I would start as soon as I get back on my feet. They have been calling everyday all day since starting at 8 am even on sundays. I get at the least 10 calls per day from 2 different numbers. I just got a job my phone continue to ring through out the day into the night. I lost it one day and screamed at them I was on lunch break they just call right back. Is there anything I can do about this type of harassment? Please help

Hi Amy, do you have a credit card through Comenity? The last time I checked, Comenity issued over 150 retail store credit cards. I've actually never seen a bank so many credit cards. The calling and hanging up seems annoying. They should just tell you why they are calling you. If Comenity has the wrong number, they should remove you from their telephone system. I will help you get to the bottom of this. Thanks, Mike.

Hi Shelby, this sounds like a nightmare. I'm not sure why Comenity would threatened to sue you over some a small debt. Also, it seems counterproductive to sue you over a debt you are trying to pay. Finally, the fact that Comenity called your dad is outrageous. I've handled several cases against Comenity. I'm not surprised that they called you so may times a day. I've handled these types of cases where companies call people hundreds of times over small amounts of debt. Either way, I'll help you stop the calls, and I'll explain the law to you. You may have a case under the TCPA. Thanks, Mike.

I had a lane Bryant credit card with comenity bank. Only $150 credit limit. Opened my account beginning of 2015. Diligently made $50 monthly payments even though my minimum payment was never more than $30something. I lost both of my jobs in June 2015. I haven't made any payments in seven months. But I never received any mail saying anything about collections. I went into a Lane Bryant Store to pay whatever I owed and the employee told me they would reopen my account within the next few days and contact me when it's open. Two days later, a guy calls my dad's cell.... never once has he called my phone, emailed me, or sent any letters to me. But he calls my dad and tells him I'm being sued and that I need to get a lawyer fast and to have him (my dad) tell me to call this guy back. The very next day, this guy calls my work's store phone 4 times to harass me saying "ms. baker, someone will be in today to collect for your lane Bryant credit card". and telling my coworke r who answered one of the four times that I am going to be sued. Still, this person has never once called my personal phone. And called my dad two more times. Moreover, from May until September I received anywhere from 6-30 calls every day from 919, 614, 720, etc. I answered maybe two calls, and both times the person calling sounded like a telemarketer so I hung up. Sounded like someone trying to steal information from me or something. It's not everyday anymore, but even up thru last month, one the few days they called from several different numbers, they would call ten times within a few hours. They are trying to scare me at my work and with my family. To the point of I'm freaking out at work because constantly worrying that any new face is going to be whomever this dude is sending to collect money and because he was so rude and treated me like shit, that they are going to humiliate me in front of my coworkers and customers. And he's harassing my dad calling him multiple times while he's at work. Over a credit card with only $150.00 limit on it. Every month they charged me $30 late fee, $2.72 interest.... they charged me up the ass every month so that even though I was paying more than the minimum balance, it never seemed to make much of a difference.

Hi Elba, If Comenity is calling you on your cell phone over a debt you do not owe, you can bring a case against Comenity based on the Telephone Consumer Protection Act ("TCPA"). Under the TCPA, Comenity cannot place robocalls to your cell phone unless you gave them your cell phone number. I see this situation often where a company blows up a consumer's cell phone over a debt not owed. I will help you stop the calls, and do my best to get you money damages for the harassment you experienced with Comenity under the TCPA. Thanks, Mike.

Hi Brian, This does not surprise me that Comenity left you 30+ voicemail messages. The consumers I've helped against Comenity have received dozens of calls from Comenity. When your wife spoke with Comenity, did she tell them to stop calling? Also, if the credit card in your wife's name? If so, Comenity it's possible Comenity should not have been calling you on your cell phone in the first place. We'll discuss your rights on the phone. Thanks, Mike.

Hi Melody, When you sent Loft / Comenity a letter, did you tell them to stop calling? If so, and the calls continued on your cell phone, you have a case under the Telephone Consumer Protection Act. The TCPA allows you to recover $500 for every robocalll Comenity made to your cell phone without your permission. We can further discuss your rights on the phone. Thanks, Mike.

Hi Rossi, I can help you with this crazy situation. Have you told Comenity to stop calling? If not, we will let them know you want the calls to stop. Once Comenity knows you want the calls to stop, Comenity can no longer place robocalls to your cell phone. If they do, you can sue them for damages for $500 per call. Let's further discuss your rights on the phone. Thanks, Mike.

All the sudden 2 wks ago i started getting calls from this company. When i would answer, they would hang up and when i would call back some kid would answer

Hi Mary Beth, if Comenity is calling you on your cell phone about a debt you do not owe, you can sue them for violating the Telephone Consumer Protection Act ("TCPA"). The TCPA protections consumers from robocalls to their cell phones. Under the TCPA, you could be entitled to $500 per call. Plus, we handle these cases on a contingency fee. That means, we do not get paid unless you get paid. I will call you to discuss your rights. At the very least, I will get the calls to stop. Thanks, Mike.

Hi Laura, Comenity is aggressive when they call. I'm not surprised that Comenity called you 10 times in a single day. Comenity backs several stores' credit cards including J.Jill. I can help you stop the calls. Plus, you may be entitled to $500 per call under the Telephone Consumer Protection Act. I will discuss your rights on options with you on the phone. Thanks, Mike.

Today I checked my voicemail and had nearly 30 voicemail messages from 913 &amp; 614 area codes which correspond to what's on my caller ID. My wife has spoken to them long ago to let them know that they will be paid on 7/22/16.

I have been getting calls from comenity nonstop today about my jjill card that is not even a month overdue, now they have slapped so many laye fees and penalties on it just since June, that my bill has doubled in the amount and I have been making the payments. The bill for this month is not even due yet but I have gotten at least 10 calls today, which I ignored they have left no messages nor have I received anything in the mail. This harrasement has to end.

Comenity bank keeps constantly calling me. Over and over...all day and into the night. I don't know what they want, I haven't even heard of them. I have asked that they stop but it just goes on and on with no break.

These random people from Comenity kept calling me over and over for collection as I'm in under debt after I already paid off a 3DS game in full and portions of a PS3 system which I was unable to finish months ago from GameStop, joining their PowerUp Rewards Credit Card program by force, and I'm annoyed by these calls showing up on my phone as I had to block them. I don't need to owe more than $200 for these items with late fees on them that they charged me, personally. Is there way to end this crazy situation?

I have been in a dispute with Loft / Comenity bank since August of 2014. They claim I charged $7.00 worth of merchandise which I did not. I paid the $27.00 in December just so they'd stop calling, but they did not. I have been charged over $220.00 in interest although I should have a zero balance. I receive about fifteen calls a day from them. I have written letters to both companies, and neither will agree to take off the late fees despite having no signature on file for the $7 purchase I never made. They did however credit me the initial $7 purchase. So how can I owe late fees for a purchase I never made...

These people keep calling over and over again, and the thing is that I myself do not owe them anything. A friend of mine used my phone number as the contact number to get just about $160 worth of items and tried to make a payment online and was told they do not accept these types of payments. I have no idea what is going on with this but they are so annoying. My phone has rang about 15 times a day everyday and it is just completely annoying. I want these people to stop calling my home. I do not personally owe them anything.