The Law Office of Paul Mankin

Are You Being Harassed About Your Ulta Credit Card Account?

Do you have an Ulta (Ultimate Rewards) credit card that is past due? Is Comenity Bank calling and harassing you to collect that debt? You have rights under state and federal laws that protect you from those illegal creditor tactics.

Ulta, Comenity Bank, and their third-party debt collection agencies are known to harass consumers like you. They think you won’t do anything to protect yourself. Don’t let them take advantage of you and violate your rights. Contact Law Office of Paul Mankin, APC and let our debt defense lawyers put a stop to the harassment for good. Call us at 800-219-3577 for a case consultation.

State and Federal Laws Give You Rights Against Creditor Harassment

Debt collector harassment can take many forms. Their abuse and unfair treatment causes stress that you don’t need when you’re in debt. State and federal laws protect consumers’ rights, 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 like Ulta and Comenity Capital Bank cannot:

  • Use harassing, abusive, or obscene language when they call you
  • Threaten you with violence
  • Make an unreasonable number of phone calls
  • Lie about the legal status of your debt
  • Threaten a lawsuit if one is not pending
  • Call you at unreasonable hours (before 8:00 a.m. or after 9:00 p.m.)
  • Inform an unauthorized party about your debt

Comenity Bank and other creditors have been sued many times for violating the TCPA, FDCPA, RFDCPA, and other regulations. Despite that, the Federal Trade Commission (FTC) indicated that there are more than 200,000 complaints annually of debt collection harassment by creditors.

If you feel any of your consumer rights have been violated, you should immediately contact a debt harassment lawyer right away. You have rights even if you’re behind on your Ulta account. Call attorney Paul Mankin today at 800-219-3577 to schedule a case consultation.

How Does the FDCPA Protect My Rights?

The Fair Debt Collection Practices Act (FDCPA) protects consumers against abusive, deceptive, and unfair collection practices by creditors. Violations of this law by Ulta Beauty or Comenity Capital Bank should be reported to the FTC. This law also allows debtors who are harassed to collect compensation for their damages.

How Do California State Laws Protect My Consumer Rights?

California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) is much like federal consumer protection laws. It works to force debt collectors to respect the rights of debtors and act with fairness and honesty. Creditors who violate the RFDCPA may be required to pay compensation to consumers, including statutory damages as well as emotional distress.

Telephone Marketers Must Obey the TCPA

The Telephone Consumer Protection Act (TCPA) allows the Federal Communications Commission (FCC) to make regulations that apply to telephone marketers. Telemarketers, which may include Comenity Bank and Ulta, may not harass consumers. The FCC also coordinates a national Do-Not-Call registry under the TCPA.

What Is Ulta Beauty?

Ulta Beauty, Inc. is an American beauty and cosmetics retail store based on Bolingbrook, Illinois. They have more than 1,200 locations throughout the United States, as well as an online presence. Ulta sells many name brand products, including makeup, nail care, skin care, hair accessories, fragrance, bath and body, and men’s collections. The store also has a store brand called the Ulta Beauty Collection.

Why Is Comenity Bank Calling Me About My Ulta Credit Card?

Ulta Beauty credit cards are actually lines of credit offered by Comenity Capital Bank. There are multiple Ulta credit cards, including:

  • Ulta Ultimate Rewards Card
  • Ulta MasterCard
  • Ulta World MasterCard

One of the main benefits of having an Ulta credit card is that consumers get rewards points for every dollar spent.

Since Comenity Bank owns these accounts, they will call consumers who fall behind on credit card payments. However, they do not have a right to harass you, even if you have missed a payment. Comenity Bank often uses illegal tactics in an attempt to collect debt, and they should be held accountable.

How Do Ulta Beauty and Comenity Bank Violate Consumer Protection Laws?

Comenity Bank often uses third-party collection agencies to recover debts for Ulta Beauty credit cards. These entities frequently violate state and federal protection laws. Some of the regulations they frequently violate include:

  • Failure to honor a “Do Not Call” request
  • Sending unsolicited advertisements by auto-dialer without consent
  • Not allowing consumers to opt out of robocalls
  • Failure to identify themselves on a call

Many debt collectors like Comenity Bank and third-party agencies use “auto-dialers” or “robocallers” to contact consumers. They use recorded statements or voice messages to get a person on the phone and then transfer them to a live person when the consumer responds. In most cases, you will not be given the opportunity to opt out of these robocalls. These actions are illegal and should be reported as violations of state and federal regulations.

How Much Is My Ulta Credit Card Harassment Case Worth?

You might be wondering how much money you can get if you’ve been harassed by a debt collector like Comenity Bank or Ulta Beauty. The exact amount depends on several factors, including:

  • How severely they violated the law
  • Number of times they acted illegally
  • Your actual damages

The FDCPA allows you to collect up to $1,000 in compensation for debtor harassment, as well as additional money for attorney fees and court costs. However, California’s RFDCPA may allow you to get more money for damages like emotional distress. Some California consumers have been awarded up to $300,000 for the distress creditors put them through.

An Ulta Credit Card Harassment Lawyer Can Help You

Falling behind on your Ulta credit card payments wasn’t the plan, and now you’re being harassed by Comenity Bank. Don’t let them continue to abuse you. You can file a debt harassment lawsuit and get compensation for your damages.

Attorney Paul Mankin can help you make the calls stop. Learn how a credit card harassment lawyer can help you move forward with life.

Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation.