Is Peebles credit card calling you about a past due account? Have you asked them to stop but they continue calling your home and work? Peebles and their credit card provider Comenity Bank are known for using illegal debt collection tactics against consumers like you.
You have rights against harassment and unfair treatment by creditors like Peebles and Comenity Bank. If you’re being abused by a collection agency, you should immediately contact Law Office of Paul Mankin, APC. Our debt harassment lawyer will help you stop the calls. Call us at 800-219-3577 for a case consultation.
Your Rights Against Creditor Harassment and Abuse
Being in debt is bad enough. You don’t need the stress caused by repeated calls and harassment by creditors and debt collectors like Comenity Capital Bank and Peebles credit card account. You have rights under the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).
Creditors who are collecting debts are not allowed to:
- 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 Capital Bank and other creditors are often sued for violating debtors rights under the TCPA, FDCPA, RFDCPA, and other state and federal regulations. In fact, the Federal Trade Commission (FTC) reported that each year they receive more than 200,000 complaints from consumers about illegal harassment by creditors.
If you’ve been treated unfairly because of your past due Peebles credit card account or any other debt situation, then you should contact a debtor defense attorney right away. Attorney Paul Mankin will protect your rights. Call today at 800-219-3577 to schedule a consultation of your case.
Debtor Protections Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects debtors who owe money to creditors. It prohibits abusive, deceptive, and unfair collection practices. Violations of the FDCPA by Peebles or Comenity Bank should be reported to the FTC. You may be able to collect compensation under the FDCPA if you’ve been treated unfairly.
California Protects Debtors Against Unfair Treatment
The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is a California law that protects debtors in the state against unfair collection practices. It requires creditors to treat debtors with fairness and honesty, while respecting their consumer rights. The RFDCPA also allows debtors who have been treated poorly to collect compensation. However, it expands damages to allow for emotional distress.
The TCPA Requires Compliance of Telemarketers
The Telephone Consumer Protection Act (TCPA) also protects consumer rights in a different way. It allows the Federal Communications Commission (FCC) to make regulations controlling telephone marketer actions, including Peebles credit card and Comenity Bank. The FCC may also coordinate a national Do-Not-Call registry that consumers can join.
What Is Peebles?
Peebles is a retail department store that was founded in 1891. It is now owned by Stage Stores, Inc. The company has more than 125 stores located mainly in the easter and upper-midwestern United States. It offers trendy clothing for the whole family, as well as accessories, beauty supplies, footwear, and housewares.
In 2020, Peebles filed for Chapter 11 bankruptcy. It announced that it would liquidate all stores. However, the Peebles website indicates that the store is “coming back – bigger and better than ever!”
Comenity Bank Owns Peebles Credit Card Accounts
Although you may think you have a credit card from Peebles, the credit line is actually owned and managed by Comenity Capital Bank. If you fall behind on payments, Comenity or its third-party collection agencies will call you to try to collect on the debt.
Comenity Bank does not have a right to harass you even if you owe them a debt. If they violate your rights by using illegal debt collection tactics, they can be held accountable. You may be able to get compensation for your damages, including the stress they make you endure.
Common Violations of Consumer Rights by Comenity Bank and Peebles
Debt collectors like Comenity Bank often violate consumer rights while trying to recover debts. Their management of Peebles credit card accounts is no different. They often violate state and federal laws in the following ways:
- 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
Comenity Bank and other debt collectors also use “auto-dialers” or “robocalls” to contact consumers. A robocall typically begins with an automated message or voice recording. You may then be transferred to a live person. However, you won’t likely be given an opportunity to opt out of these auto calls. These debt collection tactics are illegal and should be reported to state and federal government agencies that protect consumer rights.
How Much Money Can I Get for My Peebles Credit Card Harassment Case?
If you are harassed by a debt collector like Comenity Capital Bank, then you can collect compensation for your damages. However, the exact amount you can get depends on several factors, including:
- How severely they violated the law
- Number of times they acted illegally
- Your actual damages
Under the FDCPA, you can get up to $1,000 in statutory damages. You can also get money for attorney fees and court costs. California’s RFDCPA allows consumers to get compensation as well. However, you can get even more money for emotional distress. In some California cases, consumers have received up to $300,000 for emotional distress.
A Peebles Credit Card Harassment Lawyer Can Help You
Harassment by creditors can cause many problems in your life. You may be facing embarrassment if others find out you owe debt, and your stress level is likely through the roof. Don’t let collectors like Comenity Bank and Peebles credit card continue to abuse you.
Attorney Paul Mankin can help you get the compensation you deserve if you’ve been harassed. He can help you move forward with life.
Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a consultation of your c