The Law Office of Paul Mankin

Stop Harassing Phone Calls About Your Comenity Bank Eddie Bauer Credit Card Today

Are you receiving phone calls about your Eddie Bauer credit card account? Have you asked them to stop, but they continue? It’s important for you to know that you have rights as a consumer, even if you are past due on debt payments. If creditors violate your consumer rights, they may owe you compensation for the stress they cause.

Your Eddie Bauer credit card account is actually owned and managed by Comenity Bank. If you fall behind on payments, Comenity Bank and their agents will call you to try to collect the debt. If they harass you or treat you poorly, you should immediately contact a consumer rights attorney who can make them pay for their actions. Call Attorney Paul Mankin at 800-219-3577 today.

Who Is Eddie Bauer?

Eddie Bauer, LLC is an American clothing store based in Seattle, Washington. It sells sportswear and outdoor gear for women, men, and children via retail stores, outlet stores, and online. There are more than 350 Eddie Bauer locations located in the United States, Canada, and Germany.

The Eddie Bauer credit card extends benefits to members and those who use the card. They can earn points for every dollar spent as Eddie Bauer Adventure Rewards members. They also get free return shipping on all orders purchased with the credit card. VIP cardholders get special promotions, including pre-shopping events and special sales exclusively for Eddie Bauer credit card holders.

Why Is Comenity Bank Calling About My Eddie Bauer Credit Card?

Comenity Bank is the owner of your Eddie Bauer credit card account. If you fall behind on payments, Comenity Bank will call to try to collect on the debt. They may also hire third parties to call you on their behalf. If they are not successful, they may even sell the debt to a third party for pennies on the dollar. That third party will have all the same rights to collect the debt as Comenity Bank.

It’s important for you to know that even if you are behind on payments, you have rights against harassment by Comenity Bank and third-party debt collectors. If they violate your consumer rights, you should immediately contact a consumer rights lawyer. Call attorney Paul Mankin at 800-219-3577 to review your situation.

Common Consumer Rights Violations by Comenity Bank

Even though consumers have sued Comenity Bank for mistreatment of debtors, they continue to harass debtors like you. Some of the state and federal laws Comenity bank and third-party debt collectors violate include the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Violations of consumer rights may look like:

  • Obscene or abusive language on phone calls
  • Treats of violence
  • False claims that a lawsuit will be filed
  • Repeated calling an unreasonable number of times
  • Calls that are extremely early or late (before 8:00 a.m. or after 9:00 p.m.)
  • Discussing debt with unauthorize parties

The Federal Trade Commission (FTC) reported that it receives more than 200,000 complaints about debtor harassment against creditors like Comenity Bank annually.

Federal Laws Protect Debtors Like You

There are federal laws that protect consumers who owe money to banks and other creditors. Those include the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).

The FDCPA protects consumers against unfair collection practices and harassment. Violations should be reported to the FTC, which may impose consequences on those companies. Under the FDCPA, you can get statutory compensation if you are harassed by debt collectors.

The TCPA addresses the way telephone marketers and debt collectors treat consumers. It also allows the Federal Communications Commission (FCC) to regulate the national Do-Not-Call List.

State Laws Protect Consumers Who Owe Money

Most states have consumer protection laws that mirror or go beyond federal laws. For example, California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) mandates that creditors treat debtors with fairness and honesty. Violations of the RFDCPA can result in statutory compensation and damages for emotional distress.

How Much Is My Eddie Bauer Credit Card Lawsuit Worth?

If you have an Eddie Bauer credit card and Comenity Bank or their third-party collection agencies are harassing you, you may be able to get monetary compensation. The exact value of your claim depends on:

  • The severity of the creditors’ legal violations
  • The number of times laws were violated
  • Your actual damages

The FDCPA is a federal law that allows you to get up to $1,000 in statutory compensation if you are harassed by creditors. You can also get money for attorney fees and court costs.

Many state laws allow you to get even more compensation than federal laws permit. California’s RFDCPA allows consumers to get emotional damages, which have reached up to $300,000 in past cases.

Contact an Eddie Bauer Credit Card Harassment Lawyer Today

Comenity Bank and their third-party debt collection agencies are known to harass consumers. Even after they’ve been told to stop calling, many creditors continue to contact you via telephone. They may even reach out to friends, family, and co-workers. Even if you are behind on payments, you have a right to make them stop. 

You need to work with a consumer rights advocate lawyer who understands the state and federal laws that protect you. Attorney Paul Mankin has helped countless clients who were being harassed. He knows you just want to get your life back on track and wipe your slate clean. Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a