Do you have a Buckle store credit card that is past due? Are debt collectors calling and harassing you for money? You should know that there are state and federal laws that protect you against creditor harassment. Even if you are behind on payments, you have rights.
Your Buckle credit card account is owned by Comenity Bank. If your payments are past due, they may call you to try to collect. When this happens, you need to reach out to a consumer protection lawyer. Attorney Paul Mankin is here when you need trusted legal advice about your debt. Call Law Office of Paul Mankin, APC at 800-219-3577.
Who Is Buckle?
Buckle, Inc. is an apparel store with more than 450 retail locations in 42 states. The company was founded as a men's clothing store in 1948 as Mills Clothing in Nebraska. Today, Buckle offers clothing for men, women, and children. They are best known for their denim and casual apparel options.
Buckle has a rewards program that offers benefits to members. It is free to join Buckle Rewards. For every $1 spent, you can get 1 point in the Buckle Rewards program. For every 300 points, you earn a $10 reward through the program. You can also take part in bonus points events.
People who own a Buckle Credit Card can become part of the Premier and Premier+ Rewards programs at Buckle. When you get a Buckle credit card, you are automatically enrolled in the Premier Rewards Membership program. Benefits include earning two points for every $1 spent at Buckle when you use your Buckle credit card. You can also get free standard ground shipping on orders of $99+ when you use your Buckle credit Card.
If you spend $1,000 or more with your Buckle credit card annually, you can become a Premier+ Rewards Member, which has additional benefits. Premier+ members earn three points when they use their Buckle credit card. They also get standard ground shipping free with all orders when they use their Buckle credit card.
Why Is Comenity Bank Calling About My Buckle Credit Card?
Although you may have received your credit card through the Buckle store, your account is owned and managed by Comenity Capital Bank. If you fail to make on time payments on your Buckle account, Comenity Bank will try to recover the debt. They will begin by making calls and sending letters to your home. However, they may also hire a third-party debt collection agency to try to collect the money they believe you owe.
Even if you are behind on your payments, Comenity Bank and the third-party collectors do not have a right to harass you. If they do violate your consumer rights, they may owe you compensation. Attorney Paul Mankin can review your situation and help you make the calls stop. Call 800-219-3577 to schedule a consultation of your case.
How Does Comenity Bank Violate Consumer Rights of Buckle Credit Card Holders?
Comenity Capital Bank and other debt collectors often violate the consumer rights of Buckle credit card holders like you. There are state and federal laws that protect you from that harassment, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California's Rosenthal Fair Debt Collection Practices Act (RFDCPA).
Creditors often violate the rights of consumers by:
- Using inappropriate, obscene, or abusive language on phone calls
- Threatening to use violence to collect debts
- Calling repeatedly or an unreasonable number of times
- Threatening a lawsuit when they do not intend to file one
- Calling extremely early (before 8:00 a.m.) or late (after 9:00 p.m.)
- Discussing debt with unauthorized parties
Despite being sued for violation of consumer protection laws, Comenity Bank continues to harass debtors on a daily basis. In fact, the Federal Trade Commission (FTC) reported that it receives more than 200,000 complaints against creditors annually.
Consumer Protection Laws in the United States
There are state and federal laws that protect consumers who owe money to creditors like Buckle and Comenity Bank. The two primary federal laws are the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).
- FDCPA – This federal law protects against the unfair collection practices of creditors. Violations should be reported to the FTC. Under the FDCPA, you can get statutory damages if you have been harassed.
- TCPA – Marketers and creditors using telephones must follow this federal consumer protection law. This law also allows the Federal Communications Commission (FCC) to regulate the national Do-Not-Call List.
One state law that protects consumers is California's Rosenthal Fair Debt Collection Practices Act (RFDCPA). It forces creditors to operate with fairness and honesty towards debtors. Under the RFDCPA, you can get statutory compensation as well as emotional damages for harassment by debt collectors.
How Much Is My Buckle Credit Card Harassment Lawsuit Worth?
You can get money compensation from debt collectors who violate your consumer rights. However, the exact value of your case depends on several factors, including:
- The extent of the creditors' legal violations
- The number of times they violated laws
- Your actual damages
Under the FDCPA, you can get up to $1,000 in statutory compensation when debt collectors harass you. The RFDCPA also allows you to get statutory damages and money for emotional distress. In fact, some California consumers have received up to $300,000 because of extreme harassment situations. Creditors may also be required to pay your attorney fees and court costs.
Contact a Buckle Credit Card Harassment Lawyer for Help
If you have been harassed by Comenity Bank or a third-party collection agency about your Buckle credit card debt, you need to contact a consumer rights attorney right away. Even if you are behind on payments, you have a right to be treated with respect.
Attorney Paul Mankin understands consumer protection law. He knows that Comenity Capital Bank frequently violates state laws and federal regulations. You can get compensation for the harassment you have endured. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a case consultation.