Are you past due on your Fullbeauty credit card account? The frequent calls from Comenity Bank and debt collectors may rise above the level of annoyance. These companies are known for harassing consumers and violating their rights in an attempt to collect a debt.
If your consumer rights have been violated by Fullbeauty or Comenity Capital Bank, you may be able to collect compensation for your damages. Attorney Paul Mankin can help you stop the calls and move forward with life. Call the debt harassment lawyer at Law Office of Paul Mankin, APC at 800-219-3577 for a case consultation.
You Have Rights Against Creditor Harassment
Debt collectors may harass and abuse you in many ways. Their unfair treatment causes unnecessary stress that violates your consumer rights. There are state and federal laws that protect debtors like you, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California's Rosenthal Fair Debt Collection Practices Act (RFDCPA).
Fullbeauty credit card, Comenity Bank, and other debt collectors may not:
- 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
If these regulations are violated, then Comenity Bank may have to pay you money for your damages. The company is frequently sued for violating the TCPA, FDCPA, RFDCPA, and other regulations. Other debt collectors do too. In fact, the Federal Trade Commission (FTC) reports more than 200,000 complaints annually by consumers who were harassed by creditors.
Attorney Paul Mankin is a compassionate debtor defense attorney who protects consumers whose rights have been violated. If you've faced creditor harassment, call attorney Mankin today at 800-219-3577 for a case consultation.
Federal Consumer Rights Protections Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers. It prohibits abusive, deceptive, and unfair debt collection activities by creditors like Fullbeauty and Comenity Bank. Violations of the FDCPA should be reported to the FTC. Consumers who are harassed may be able to get compensation for their damages.
The RFDCPA Allows Consumers to Collect Compensation for Harassment
The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is a California law that allows consumers who have been harassed to collect even more compensation than federal law provides. Under this law, you can get damages and compensation for emotional distress if you've been treated unfairly or with dishonesty. Under the RFDCPA, creditors are expected to respect the rights of debtors.
The TCPA Prohibits Harassment by Telemarketers
The Federal Communications Commission (FCC) creates regulations that apply to telephone marketers. The Telephone Consumer Protection Act (TCPA) gives the FCC the power to prohibit telemarketer harassment of consumers. The government agency also coordinates a national Do-Not-Call list provided for by the TCPA.
What Is Fullbeauty?
FullBeatuy Brands Operations, LLC, also called Fullbeauty or Beauty Full, was founded in 1901 in New York. It is now owned by Apax Partners. Other stores under the Fullbeauty name include OneStopPlus, Swimsuits for All, Ellos, KingSize, Brylane Home, Catherines, Roman's, June + Vie, Intimates for All, Active for All, Shoes for All, and Women Within. The retail store offers online and catalog sales of plus size women's clothing from sizes 12 to 44. They also offer big & tall men's apparel and home goods items.
Why Is Comenity Bank Contacting Me About My Fullbeauty Credit Card?
Comenity Bank is the owner of Fullbeauty credit lines, including the Full Beauty credit card and Fullbeauty Platinum credit card. The Fullbeauty credit card offers rewards for consumers who use it at participating stores.
If you fall behind on payments to your Fullbeauty credit account, then Comenity Bank may call you to collect on that debt. However, they do not have a right to harass you. Comenity Capital Bank and their debt collection agencies often use unfair and illegal tactics to get money from debtors, and they should be held accountable.
Violations of Consumer Protection Laws by Comenity and Fullbeauty
Full Beauty credit card collectors like Comenity Bank and their collection agencies often violate consumer protection laws. Some of the regulations they often 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
These creditors may use “auto-dialers” or “robocallers” to contact debtors. This involves automated voice messages or phone recordings to reach out to consumers who are behind on payments. When the debtor answers, they may be transferred to a live person. However, they will not likely be given an opportunity to opt out of the robocalls. These tactics are illegal, and violations of state and federal laws should be reported to the appropriate government agencies.
How Much Can I Get for a Fullbeauty Credit Card Harassment Case?
If you've been harassed by creditors, you may be able to get compensation from Comenity Bank. The exact amount of money you can get for your Fullbeauty credit card harassment case depends on:
- How severely they violated the law
- Number of times they acted illegally
- Your actual damages
You can get up to $1,000 under the FDCPA. This federal law also lets you get money to pay for attorney fees and court costs. California's RFDCPA also allows you to get money for your debtor harassment case, which may include statutory damages, attorney fees, court costs, and emotional distress. In fact, some California cases for emotional distress have resulted in awards of up to $300,000 for the consumer.
A Fullbeauty Credit Card Harassment Lawyer Is Ready to Help
If Comenity Bank is harassing you, the calls may be coming day and night. You want to make them stop right away. That's why it's important to call a debt defense attorney as quickly as possible.
Attorney Paul Mankin knows how to make the calls stop. He can also help you get compensation if your rights have been violated.
Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a consultation of your case.