Comenity Bank Complaints : Stop Phone Call Harassment And Robocalls

Many consumers bring up complaints about harassing robocalls
HELPLINE

Comenity Bank, Comenity Capital Bank, or Comenity LLC is a financial services company which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

Who is Comenity Bank?

Comenity Bank offers consumer credit through a variety of retailers and well-known companies. Comenity Bank’s in-house collections and billing departments have received a number of consumer complaints alleging financial crimes. If you have been contacted by Comenity Bank, Comenity Capital Bank, or Comenity LLC, make sure you know your rights before responding.

According to the Better Business Bureau, Comenity Bank has been in business 29 years and was founded in 1989. Their website boasts of connecting an astounding fifty million cardmembers with over one hundred of their favorite retailers, including well-known brands such as Victoria’s Secret, Pottery Barn, and Abercrombie.

According to their website, the most important thing Comenity Bank does is “providing each of our 50 million cardmembers with the highest standards of service,” with their “award-winning Care Center representatives.” Yet according to the Better Business Bureau, Comenity Bank “has failed to resolve underlying causes of a pattern of complaints.”

Comenity Bank offers credit cards through a variety of well-known retailers. Their website assures clients that their accounts are secure and that fraud complaints are investigated and quickly resolved. They offer a variety of convenient payment methods, including at the register of the store issuing the card.

How Many Complaints are there against Comenity Bank?

Since June 2015, the Consumer Financial Protection Bureau (CFPB) has logged over 649,546 complaints against Comenity Bank, ranging from attempting to collect a debt not owed to false statements and representation to refusing to resolve a problem with a return or transfer. The BBB’s profile page for Comenity Bank lists 1939 complaints from the last three years,with 847 closed over the last twelve months. Nearly all (1537) complaints were related to billing/collection issues, with a significant portion (369) related to problems with product/service. Of the 396 customer reviews, 381 are negative. Justia lists at least 24 cases of civil litigation that name Comenity Bank as a defendant.

How Much Does It Cost To File A Lawsuit Against Comenity Bank?

Absolutely NOTHING. Here are some Sample Cases filed in Federal Court

In 2017, in Pennsylvania District Court, Plaintiff “Renee B” filed a complaint against Comenity Bank alleging their collection practices violated the TCPA(Telephone Consumer Protection Act), which limits the use of robocalls and automatic dialing systems employing recorded messages. According to Comenity Bank, the plaintiff consented to these calls when she signed the credit card agreement. However, the calls continued after Plaintiff contacted customer service rescinding permission. Plaintiff was seeking up to $1500 per call. In June 2018, the case settled for an undisclosed amount following arbitration.

In 2012, a class action lawsuit titled Couser v Comenity Bank was filed in the Southern District of California court also alleging violations of the TCPA. Plaintiff was receiving up to four daily robocalls from Comenity Bank regarding a debt owed by her mother. Plaintiff informed Comenity Bank they had the wrong number and asked them to stop calling her on numerous occasions, to no avail. In her complaint, Plaintiff stated that she does not owe a debt to Comenity Bank, nor under any circumstances did she give them her phone number or permission to contact her. This class action was settled by Comenity Bank for an as yet undisclosed amount.

Contact Information

Comenity LLC
3100 Easton Square Place
Columbus, OH 43218-6232
Telephone: (614) 729-4000

Comenity Bank Calling You?

Understanding Your TCPA Rights

The federal Telephone Consumer Protection Act (TCPA) is a law that prohibits telemarketers, banks, debt collectors, and other companies from using an autodialer or robocalls to call you either at home, or on your cell phone without your consent.

The rules of the TCPA and of the Fair Debt Collection Practices Act (FDCPA), administered by the Federal Trade Commission (FTC), control telephonic collection practices. The federal Consumer Financial Protection Bureau (CFPB) enforces the rules and regulations of both Acts.

These laws also provide individuals with a means to seek monetary damages in court. For instance, the TCPA provides monetary compensation to consumers who can prove harassment. In the case of willful harassment, this compensation can be increased three times. As a result, entities can be fined up to $500 if case harassment is proved. In case willful violation is proved, this compensation can be up to $1500.

Ready to Stop the Calls from Comenity Bank? Your phone harassment checklist:

These robocalls are prohibited:

  • Calls made without your prior written consent to the business
  • Calls to a residential line listed on the “Do-Not-Call Registry”
  • Calls by telemarketers and debt collectors between the hours of 8 a.m. and 9 p.m.
  • Calls that do not provide the name of the caller, identify the business behind the call and provide a contact phone number or address
  • Calls that do not provide an automatic opt-out mechanism
  • Calls that violate the law, such as making misrepresentations or threats

To spot potential Comenity robocalls, listen for signs like these:

  • A silent pause between when you answer the call and when the caller begins to speak
  • An audible click just after you answer the call
  • A prerecorded message instead of a live person on the other end
  • A hang-up after you answer

To prepare for a TCPA lawsuit, there are certain steps you can take to strengthen your case:

  • For each suspected robocall, make a note of the date and time of the call, the caller’s name, and their contact information.
  • Describe the contents of any prerecorded message, or of the conversation you had if you spoke to a live representative.
  • Save copies of any relevant cell phone call logs, voicemails, text messages, and cell phone bills.
  • Keep a copy of any letter or online contact you send to the caller that asks them to stop calling.

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW

What Our Clients are Saying

“Lemberg Law has been great in handling my harassment case . They got the robocalls to stop when I was unable to get my number taken off the company’s list on my own. I highly recommend this law firm to anyone having an issue with pushy bill collectors harassing you”

“Was getting harassed by phone calls. Looked for an attorney that could help online and found Lemberg Law.  They took care of everything and kept in contact with me just the right amount. Never expected anything would come of it but they did all the work and it relieved a lot of stress in my life!”

“Lemberg Law was a great choice. They really helped me with my situation. They were very professional and answered any questions I had and responded to my calls and emails. I would definitely use them again and recommend them to others.”

Can You Help Stop Comenity Bank Harassment?

Chances are we can. Call us to today and we’ll tell you how we can help.

11 COMMENTS
  • Mark B

    On the phone with Comenity Bank as I type this. I had the call escalated to a senior executive. My card was an Eddie Bauer which I paid timely from each statement, in most cases paying the balance off. I did not receive a statement for April and in May I did get one and I had a balance of $62.00. In addition, they assessed a late fee of $26.00. I told the young lady on the phone I would pay the $62.00 over the phone but I would not pay the late fee. I told her to cancel my card and write off the late fee.

    They cancelled my card as requested but failed to delete the late fee. In June I received a statement swing the 26.00 late fee, a $1.00 interest charge on the late fee and another late fee. They now say I owe them $56.00. I explained that 1. you cannot assess interest on a late fee and 2. you cannot add a late fee to another late fee as that is compounding. I was told they could not delete the late fee because the account is closed and although they should have deleted the late fee, they can’t now. I wanted to know how they could not delete a late fee but add another one plus interest if it is closed; they had no answer. I am on hold right now waiting to speak with a higher up to see if they can get this resolved.

    I am a Certified Expert Witness in Commercial and Consumer Credit and told them even though this is s small amount, I will take this matter all the way through to civil action if necessary and report this to the FTC, both in violation of compounding, illegal interest charges and violation of the FDCPA. Someone has to stand up to them. I told them if this is reported into my credit file, I would double down and sue them for actual and punitive damages for violating the Fair Credit Reporting Act (FCRA). Have now been on hold for over 30 minutes.

  • Marko

    I have received 2 phone calls in the last 3 months stating I owed money, also stating that if I do not have attorney to help with this problem. First I never of heard of this bank nor do I have ever gotten a credit card out it. It has non stop harrassment.

  • Maria M

    I was late on a bill and called them to pay over the phone. I requested if they can waive the late fee and penalty and told them it is important for me not to have any late payment on my record since I was purchasing a house. The Customer Service person agreed to waived the late fee and penalty since it was my 1st time. Thinking that was resolved since I never purchase anything after that, I received a statement that shows a balance again for a late fee and penalty. I called them and was told that because I called after the due date last time, I was being charged for that eventhough there is no purchases and they never mentioned anything during that call. Since I am concerned about my credit and this Customer Service Person was obnoxious, I went ahead and paid the late fee and penalty I thought that was it, but I got another statement again with a late fee and a penalty fee. I have had it with Comenity/Overstock. They are leeching off of people like me and I refuse to be taken advantaged of. I am writing them a letter and copying the BBB, FTC, CFPB, CA State Attorney General’s Office and hoping a law firm will file a class action lawsuit against them for this type of practices.

  • Randy L

    Constant calls despite declining offers 83 calls in a thirty day period with as many as 8 call in a single day

  • Antoinette H

    Comenity has been calling my father and my in-laws, non stop leaving messages for me. I’m not even sure how they got these numbers. They call all day several times a day, and the last rep I spoke with was extremely rude

  • John Cantu

    Sick of comenity’s daily ‘calls’ addressing alleged creditor by first name, but caller addressing self by Mr or Ms. Too disrespectful, general tone is condescending and threatening and rude.

  • Shari

    I have a HSN card that goes through Comenity bank. I have received over 300 calls since the beginning of November from numerous numbers. They even called me on my Facebook messenger. I was on a hardship program due to being disabled. What are my options? That’s not to exclude hundreds of emails. I’m fed up! I’ve been very sick for about 6 months. They have literally stressed me out.

  • Herbert Riede

    I have told Comenity to stop calling my work as I am not allowed to accept calls, and they have been leaving messages at the switchboard and my extension repeatedly since.

    They are calling multiple times per day.

    I prefer email and very often do not have access to service during business hours.

  • Christine Fletcher

    I had a Mandee store card through Comenity Bank for over 5 years and have paid on time for all of those 5 years, I have gotten numerous credit increases because of my on time payments. A few months ago, I went to the store to get a few outfits and get to the register, I am all tallied up and she tells me they no longer take the Mandee’s card. How ludicrous, how don’t you take your own store card. To add insult to injury, They have ruined my credit stating that I haven’t paid in 120 days. I just did the dispute. I have never paid late so I am really interested in getting a class action suit going. I either pay online or in person at the store. This bank is shifty at best and I won’t sit back and let this ruin my credit. I worked to hard to build myself up to have them try to tear me down. This is horrible business practice. Trying to steal money from consumers is not going to fly.

  • Gail

    Comenity called my adult son two days after I made a payment. They left a voicemail indicating the debt had escalated…and added additional confidential information that was against FDCA. They’ve called me so many times, and I’m making payments each month on the debt (I have email receipts and bank statements).

  • Donna Whitaker

    I believe that Comenity is doing other unsavory practices. The will often do inquiries on your credit and then drop your credit line after creating an order or making a purchase or making a large payment on your credit card. Each time they do this it drops a persons credit score and causes a chain reaction with other credit cards.

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