If you’ve fallen behind on your payments to your Bed Bath & Beyond credit card, you may be receiving call after call to pay the debt. You’re in a stressful situation and the creditor doesn’t need to make it worse with harassment. Bed Bath & Beyond credit card accounts are handled by Comenity Capital Bank, which is known to violate consumer rights.
If you are the target of harassment by Bed Bath & Beyond, Comenity Bank, or a third-party collection agency, you should contact a debt defense lawyer right away. Law Office of Paul Mankin, APC is here to protect your rights and get the creditors to pay for their illegal actions. Call today at 800-219-3577 for a case consultation.
How Does Bed Bath & Beyond Violate Consumer Rights?
Bed Bath & Beyond’s credit card company, Comenity Bank, frequently violates consumer rights by harassing debtors who owe money. Even if you are behind on payments, you have rights. The Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) protect debtors from companies like Comenity Bank and Bed Bath & Beyond.
A debt collector 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
Companies like Comenity Capital Bank and third-party collectors frequently violate the TCPA, FDCPA, RFDCPA, and other regulations. According to the Federal Trade Commission (FTC), they receive more than 200,000 complaints annually by debtors who have faced harassment by creditors.
If any creditor has used these tactics against you, you should contact a debt lawyer right away. Attorney Paul Mankin will review your case and ensure your rights are protected. Call 800-219-3577 for a case consultation.
The FDCPA Protects Consumers and Allows Compensation
The Fair Debt Collection Practices Act (FDCPA) regulates the actions of creditors towards debtors. Violations of this federal law should be reported to the Federal Trade Commission (FTC). The FDCPA prohibits abusive, deceptive, and unfair debt collection practices by companies like Comenity Bank. It also allows you to get monetary compensation if you’ve been harassed by a creditor or your rights were violated in some way.
You Can Also Get Money Under California’s Consumer Protection Laws
The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is a California law that protects consumers. It attempts to force creditors to treat debtors fairly and honestly. The RFDCPA also allows debtors whose rights have been violated to collect monetary compensation. However, this law provides the potential to get money for emotional distress in addition to a statutory amount.
The TCPA Controls Actions of Telephone Marketers
The Telephone Consumer Protection Act (TCPA) addresses the actions of telephone marketers, which may include Comenity Bank and Bed Bath & Beyond. Under this law, the Federal Communications Commission (FCC) can make regulations protecting the rights of consumers. It also allows the FCC to create a Do-Not-Call list preventing harassing phone calls by telemarketers.
Why Is Comenity Bank Calling Me About My Bed Bath & Beyond Credit Card?
Bed Bath & Beyond is an American-based retail store that operates in the United States, Puerto Rico, Canada, and Mexico. They sell home goods for the bedroom, bathroom, kitchen, and dining room, as well as novelty items often seen on TV.
The Bed Bath & Beyond credit card is actually a line of credit offered through Comenity Bank. If you fall behind on payments, Comenity Capital Bank or their third-party collection agencies will likely contact you. These entities are known for harassing actions and often violate the rights of consumers.
How Does Bed Bath & Beyond Violate Consumer Rights?
Comenity Bank and their third-party collectors often violate state and federal laws when collecting debts for Bed Bath & Beyond. Their actions are illegal and can result in compensation for the consumer. Some of the actions Comenity Bank takes that violate these laws 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
Some of the communication by Comenity Capital Bank and their debt collectors are made by “auto-dialers” or “robocallers.” Automated messages and recorded voice messages are typically used in robocalls. You may be transferred to a live person, but you won’t likely be given the option to opt out of those calls. These calls often amount to harassment when they come day and night. Comenity Bank and the third-party collection agencies should pay for their violations of consumer laws.
How Much Money Can I Get for a Bed Bath & Beyond Credit Card Lawsuit?
If you’ve been harassed by creditors because of your debt to a Bed Bath & Beyond credit card, then you may be able to get compensation. State and federal laws allow you to get money for statutory damages (a specific amount detailed in the law), legal fees, and emotional distress. However, the exact amount you can get depends on the specific details of your case, including:
- How severely the creditor violated the laws
- How many times the creditor violated the laws
- Your other damages
You can get up to $1,000, court costs, and attorney fees under the FDCPA. However, California’s consumer protection law, the RFDCPA may allow you to get even more. It provides compensation for emotional distress caused by harassing creditors. Some consumers have even been awarded up to $300,000 for emotional distress.
You won’t have to pay attorney fees and court costs when you win your case. The defendant is typically ordered to pay those in a debtor harassment case.
A Bed Bath & Beyond Credit Card Harassment Lawyer Can Help
It is illegal for creditors and collection agencies to harass debtors. They should pay for these violations. Bed Bath & Beyond credit card, Comenity Bank, and their third-party collectors are known offenders.
If you’ve been targeted by these entities, you should contact a debtor defense lawyer to protect your rights. You can even get money to compensate you for your stress and other damages. Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation and get legal advice.