You need to know your rights when dealing with debt collectors. Even if you are past due on payments, they cannot harass or intimidate you. Despite the state and federal consumer protection laws, debt collectors like Comenity Bank often violate debtors’ rights when trying to get money for Woman Within credit card accounts.
If you have faced harassment from a debt collector about your Woman Within credit card, then you should immediately contact a consumer rights lawyer. Attorney Paul Mankin can make the repetitive calls stop. Call Law Office of Paul Mankin, APC today at 800-219-3577.
Who Is Woman Within?
Woman Within is a retail clothing store offering plus size options for women up to size 6x. They have been in operation for more than 50 years. Their sister companies include Roaman’s, OneStopPlus, Catherines, Jessica London, ellos, June+Vie, Eloquii, Swimsuits for All, Intimates for All, Shoes for All, Brylane Home, KingsSize, and Fullbeauty Outlet.
The clothing offered by Woman Within focuses on both comfort and value. They use elastic waistbands and soft fabrics for a smooth stretch. Woman Within frequently has sales to ensure all people can afford their clothing.
Why Is Comenity Bank Calling About My Woman Within Credit Card?
The Woman Within credit card can be used at Woman Within and sister stores. It provides several benefits when you use the card, including:
- Earning rewards every time you shop
- Getting $10 in rewards for every 200 points (1 point is earned per $1 spent)
- Free shipping up to four times per year
- An exclusive birthday offer each year
While this card can be beneficial if you shop at FullBeauty Brands like Woman Within, there are some negative aspects of it. For example, the card account is actually owned and managed by Comenity Bank. Comenity Bank and its debt collectors are known for harassing debtors who owe money.
If you fall behind on payments to your Woman Within credit card, then Comenity Bank will likely call you to collect on that debt. They may also hire a third-party debt collection agency to try to get money from you. If they are unsuccessful in collecting money, they may sell your debt to another company that has rights to get money for the debt.
How Does Comenity Bank Harass Consumers?
Comenity Bank and other debt collectors frequently harass consumers and treat them poorly when trying to collect on debts. In fact, the Federal Trade Commission (FTC) reported that it receives more than 200,000 complaints annually about illegal debt collection practices.
Some of the illegal activities Comenity Bank and others use against debtors include:
- Using abusive or obscene language on phone calls
- Falsely claiming that a lawsuit will be filed
- Calling repetitively or at unreasonable times (before 8:00 a.m. or after 9:00 p.m.)
- Discussing debt with unauthorized parties
If debt collectors like Comenity Bank have used any of these tactics against you, then you should contact attorney Paul Mankin right away. He can make the harassment stop and help you get compensation for the mistreatment. Call Law Office of Paul Mankin at 800-219-3577.
Laws That Protect Debtors
There are multiple federal laws that protect consumer rights, including the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). Most states also have similar laws that protect debtors who are dealing with debt collectors. For example, California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) applies to residents who are being harassed.
- FDCPA – This federal law prohibits harassment of debtors, even if they are past due on payments. Violations should be reported to the FTC. You can get statutory compensation if you are treated poorly by creditors.
- TCPA – This federal law primarily applies to creditors and marketers who use telephones. Violations should be reported to the Federal Communications Commission (FCC). This law also allows the FCC to operate the national Do-Not-Call List.
- RFDCPA – This is an example of a state law that mandates fair treatment and honesty towards debtors. Under the RFDCPA, you can get statutory damages as well as money for emotional distress.
How Much Money Can I Get for My Woman Within Credit Card Harassment Lawsuit?
If you file a lawsuit against Woman Within’s debt collectors like Comenity Bank, then you may be able to get compensation. The exact value of your case depends on:
- The number of times laws were violated
- The severity of legal violations
- Your actual damages
Federal laws like the FDCPA allow for up to $1,000 of statutory damages. Creditors who are guilty of harassment will also likely have to pay for attorney fees and court costs.
State laws like the RFDCPA often allow for statutory compensation as well as emotional damages. Some California plaintiffs have received as much as $300,000 for emotional distress caused by illegal actions of creditors.
How to Deal with Debt Collectors
You should never talk to the debt collectors over the phone. Don’t confirm the debt or promise to make payments. You can ask them to validate the debt via mail.
Then, you should contact an experienced debtor defense attorney. Your lawyer may be able to negotiate a lump sum settlement offer or reduced payments. In some situations, you may also be able to reduce the amount of interest or fees that have been added to your account.
Contact a Woman Within Credit Card Harassment Lawyer Today
Comenity Bank has harassed thousands of debtors who owe money. While they should be paid what is owed, they don’t have a right to treat people unfairly or dishonestly. State and federal laws protect consumers like you, even if you are behind on payments.
A consumer rights attorney like Paul Mankin can help you make the harassment and repetitive calls stop. He will contact Comenity Bank and any third-party consumers and ensure that your rights are protected. Call Law Office of Paul Mankin, APC today at 800-219-3577.