by Paul MankinCar Warranty Denial Disputes
Car warranty disputes can be a complex and frustrating issue for many consumers who feel defrauded by car dealers. With an array of warranties, coverage limits, and exclusions to navigate, it is crucial for buyers to arm themselves with knowledge about their rights and the best course of action when faced with such challenges.
This post will take a deep dive into the details of car warranties, as well as how to effectively talk with dealerships about your worries. Additionally, we will explore options for contacting warranty companies directly and seeking legal assistance through lemon law attorneys in Los Angeles.
Furthermore, we will discuss reporting non-compliant dealerships to consumer protection agencies like California DMV or FTC’s Bureau of Consumer Protection. Finally, you’ll learn valuable tips on preventing future car warranty disputes by researching reputable dealerships and ensuring transparency in warranty agreements.
Understanding Your Warranty
Before taking action, understand your warranty’s terms and conditions, including coverage, duration, and limitations, to determine if the dealership should honor it.
Types of warranties: manufacturer vs. extended warranties
Manufacturer warranties cover defects in materials or workmanship, while extended warranties offer additional protection beyond the original warranty.
Coverage duration and mileage limits (examples)
- New vehicle limited warranty: 3 years or 36,000 miles (whichever comes first)
- Powertrain limited warranty: 5 years or 60,000 miles (whichever comes first)
- Rust-through/perforation limited warranty: up to 6 years with no mileage limit
Common exclusions in used car warranties
Common components subject to wear-and-tear, such as tires, wheels, brake pads, rotors, wiper blades and the battery may not be covered under a used car warranty.
Review your warranty agreement carefully and ask questions if anything is unclear to handle disputes with a dealership.
Communicating With The Dealership
Got a warranty issue? Talk to the dealership, but be professional and bring documentation to back up your claim.
Gathering necessary documents
Get your warranty agreement, repair estimates, and other paperwork in order before approaching the dealership.
Contacting customer service representatives or managers
Attempt to address the issue with customer service personnel, but be prepared to contact higher-level personnel if necessary.
Keeping detailed notes during conversations
- Write down names, titles, dates, and key points discussed during each interaction.
- Keep a record of phone calls or emails exchanged between both parties.
- Recording phone conversations may be helpful, but make sure it’s legal in your state.
These steps will help streamline communications and provide evidence if legal action becomes necessary.
Contacting The Warranty Company Directly
When the dealership refuses to cooperate despite evidence supporting your claim, it’s time to contact the warranty company directly for assistance.
Locating Contact Information for Warranty Providers
Locate the contact information for your warranty provider in the agreement or on their website.
Presenting Relevant Documents When Speaking With Company Representatives
Present all relevant documentation related to your case when speaking with representatives from the warranty company.
Requesting Intervention From Higher Authorities Within The Organization
- Request intervention from higher authorities within the organization if initial conversations do not yield satisfactory results.
- Escalate matters through various levels of management until an appropriate resolution is reached.
- Direct communication between representatives from both parties can resolve outstanding disputes more efficiently.
By working directly with the warranty company, you can potentially bypass dealership roadblocks and find a resolution to your dispute more quickly.
Get Legal Help from Lemon Law Attorneys in California
When it comes to major defects in your car that can’t be fixed, obtaining legal counsel from knowledgeable lemon law attorneys with expertise in consumer protection regulations is the way to go.
California Lemon Law Eligibility Criteria
California lemon laws protect consumers who have purchased or leased a new or used vehicle (if certified pre-owned or dealer provides a warranty) with significant defects that are covered under warranty and can’t be repaired after a reasonable number of attempts.
- The defect must impair the use, value, or safety of the vehicle.
- You must have given the manufacturer/dealer a reasonable opportunity to repair the defect (multiple repair attempts).
- The problem must persist despite these efforts.
Find Reputable Lemon Law Attorneys in California
Research online, read reviews, ask for recommendations, and consult local bar associations’ directories to find qualified lawyers specializing in lemon law.
Build a Strong Case Against Non-Compliant Dealerships and Manufacturers
Gather all relevant documents, keep a detailed log of all repair attempts, obtain expert opinions, and work closely with your lemon law attorney to develop a solid legal strategy.
- Gather all relevant documents such as purchase agreements, warranties, repair orders, and correspondence with the dealership.
- Keep a detailed log of all repair attempts, including dates, problems encountered, and any costs incurred.
- Obtain expert opinions from independent mechanics to support your claim.
- Work closely with your lemon law attorney to develop a solid legal strategy.
By taking these steps, you can significantly increase your chances of winning a warranty dispute against dishonest dealerships and protecting your rights as a consumer.
Reporting to Consumer Protection Agencies
When all else fails, it’s time to take action and report your car warranty dispute to the California DMV or FTC for further investigation.
Filing a complaint with the California DMV involves gathering all relevant documentation and contacting their Investigations Division via phone or website to submit your complaint and supporting documents.
Filing a complaint with the FTC’s Bureau of Consumer Protection can be done through their Complaint Assistant website, enabling you to detail your experience and potentially initiate legal action against non-compliant dealerships.
By taking action, one can raise recognition of the matter and may possibly result in lawful measures against dealerships that are not adhering to regulations.
Preventing Future Warranty Issues
Don’t get stuck with a lemon – take these steps to prevent future warranty disputes when buying a used car from a dealership.
Research Reputable Dealerships
Find a dealership with a solid reputation by reading reviews and asking for recommendations from friends and family.
Request a Pre-Purchase Inspection
Get an independent mechanic to inspect the car before you buy it to avoid any hidden damages or problems.
Ensure Clear Warranty Terms
- Know Your Warranties: Understand the differences between manufacturer and third-party warranties.
- Review Coverage Details: Make sure you know what’s covered and what’s not.
- Negotiate Terms: Don’t be afraid to ask for better coverage or a longer duration.
- Get It in Writing: Ensure all warranty terms are clearly outlined and agreed upon in writing.
By following these steps, you can avoid auto fraud and have a stress-free car-buying experience.
FAQs in Relation to Car Warranty Disputes
How to Dispute a Car Warranty Denial
If you have been defrauded by a car dealer, it is important to know how to dispute a car warranty denial. The first step is to gather all necessary documents, including the warranty agreement and repair estimates. Next, communicate with the dealership’s customer service representatives or managers, keeping detailed notes during conversations. If you are unsuccessful, contact the warranty company directly and present relevant documents. If needed, seek legal assistance from lemon law attorneys and report to consumer protection agencies like the California DMV or the Bureau of Consumer Protection.
What to Do If Your Warranty Is Not Honored
If your warranty is not honored, try resolving the issue with the dealership and/or manufacturer by discussing it with their management team. If this fails, contact your warranty provider directly and request intervention from higher authorities within their organization. You may also consider seeking help from lemon law attorneys in the Los Angeles area for legal advice on building a strong case against non-compliant dealerships.
What Are 5 Common Acts That Void Your Vehicle’s Warranty?
- Misuse of vehicle: racing or off-roading
- Lack of maintenance: failure to follow manufacturer-recommended services
- Tampering/modifications: unauthorized changes affecting performance or safety
- Fraudulent odometer manipulation: altering mileage readings
- Sustaining damage due to accidents/natural disasters (e.g., flood)
What Voids a Car Manufacturer’s Warranty?
A car manufacturer’s warranty can be voided by misuse of the vehicle (such as racing), lack of proper maintenance according to recommended schedules, unauthorized modifications/tampering affecting performance/safety, fraudulent odometer manipulation, or sustaining severe damage through accidents/natural disasters like floods. It is essential to follow the manufacturer’s guidelines to maintain warranty coverage.
Conclusion
Dealing with Car dealer or manufacturer Warranty Disputes
Don’t let a warranty dispute leave you stranded – know your warranty and communicate with the dealership or warranty company directly.
If things get sticky, consider seeking legal assistance from reputable lemon law attorneys in the Los Angeles area or reporting to consumer protection agencies.
Prevent future warranty issues by researching reputable dealerships, requesting pre-purchase inspections by independent mechanics, and ensuring transparency in warranty agreement terms.
If you believe that you purchased a lemon or the dealer and/or manufacturer is not honoring your vehicle warranty, contact the Law Office of Paul Mankin at 1-800-219-3577 for a free case evaluation.
by Paul MankinDid A Car Dealer Sell You A Vehicle That Has Been in an Accident?
Prior accident-damaged vehicle lawsuits are a critical area of focus for car buyers who have been defrauded by unscrupulous dealers. These legal actions help protect consumers from the financial and safety risks associated with purchasing a previously damaged automobile. In this comprehensive blog post, we will delve into the complexities surrounding accident-damaged vehicle lawsuits.
We will discuss the importance of avoiding such vehicles due to their reduced resale value, increased risk of malfunctions, compromised appearance, and weakened structural integrity. Furthermore, we will examine car dealers’ obligations regarding accident damage disclosure and how failure to comply can lead to fraudulent behavior.
In addition to identifying material vehicle accident damage that should be disclosed by dealerships, we will also explore strategies for proving dealer knowledge about pre-existing collision damage in court cases. Finally, our discussion on seeking legal assistance for accident-damaged vehicle cases highlights the importance of consulting specialized auto fraud attorneys and determining entitlement to monetary compensation.
The Importance of Avoiding Prior Accident-Damaged Vehicles
It is crucial for consumers to avoid purchasing accident-damaged cars and trucks due to several reasons. These vehicles often have reduced resale value, are more prone to malfunctions and costly repairs, may have ruined factory paint jobs that affect appearance, and potentially weakened structural integrity making them less safe.
Reduced Resale Value Due to Detectable Damage or Vehicle History Reports
Accident-damaged vehicles typically have a lower resale value because the damage can be detected either visually or through vehicle history reports. Buyers are generally willing to pay less for a car with a known history of accidents compared to one without any incidents.
Increased Risk of Malfunctions, Defects, and Expensive Repairs
Cars involved in accidents might develop various issues over time as a result of the collision. For example, damaged electrical systems could lead to malfunctioning components or even complete system failures. Moreover, the costs of mending these cars may not be clear initially, yet could be costly in the long run.
Compromised Appearance from Aftermarket Paint Jobs Wearing Differently Over Time
A vehicle’s factory paint job is designed specifically for its make and model. When an accident occurs and bodywork needs repair followed by repainting with aftermarket materials, this new layer will likely wear differently than the original finish over time resulting in an uneven appearance which further decreases its value.
Weakened Structural Integrity Affecting Overall Safety
- Dented frames: A car’s frame plays an essential role in maintaining its overall structural integrity during crashes. Accident damage can weaken the frame, making it less effective in protecting occupants during future collisions.
- Compromised airbags: If a car has been involved in an accident where the airbags deployed and were not replaced or repaired correctly, this could pose a significant safety risk to passengers. A properly functioning airbag system is vital for reducing injuries during crashes.
- Damaged seatbelts: Seatbelts are designed to keep passengers secure during accidents; however, if they have been damaged or improperly repaired after a crash, their effectiveness may be compromised. Ensuring that all seatbelts function as intended is crucial for passenger safety.
In lawsuits involving vehicle collisions, it is necessary to pursue damages from the driver responsible for the accident. Insurance companies may try to minimize the amount of compensation paid out, so it is crucial to have a car accident lawyer or attorney on your side. They can help gather evidence such as repair estimates, medical records, police reports, and lost wages to build a strong case and recover the compensation you deserve.
At Law Office Paul Mankin, APC, we help car buyers who have been defrauded by car dealers. If you have been sold an accident-damaged vehicle, contact us today to schedule a consultation with one of our experienced attorneys.
Key Takeaway:
Avoid purchasing accident-damaged vehicles as they have reduced resale value, are more prone to malfunctions and costly repairs, may have ruined factory paint jobs that affect appearance, and potentially weakened structural integrity making them less safe. Accident damage can weaken the frame of a car affecting its overall safety during future collisions. In car accident lawsuits, it is crucial to recover damages from the driver who caused the accident with evidence such as repair estimates, medical records, police reports, and lost wages gathered by a car accident lawyer or attorney on your side.
Car Dealers’ Obligations Regarding Accident Damage Disclosure
In the state of California, car dealers are legally obligated to disclose any known material facts about the vehicles they sell. This includes information about prior accident damage that could affect a vehicle’s value, safety, or performance. Failure to disclose such information constitutes fraud and is illegal in auto transactions.
Legal requirement for disclosure of known material facts on vehicles sold:
- California law mandates that car dealerships must be transparent with potential buyers regarding any significant issues related to the cars and trucks they offer for sale.
- This obligation extends not only to new vehicles but also used ones where previous accidents may have caused substantial damage.
- If a dealer knowingly conceals this type of information from a buyer and represents to the buyer that the vehicle was not in a prior accident, it can lead to severe legal consequences including fines and penalties as well as liability for damages suffered by the defrauded consumer (source).
Fraudulent behavior when lying about prior accident damage:
- Lying or providing false information about a vehicle’s history is considered fraudulent activity under California law.
- If you suspect that your car dealer has misled you regarding past collision damage during your transaction process, consulting with an experienced car accident attorney can help determine if there are grounds for pursuing legal action against them.
Importance of asking specific questions with witnesses present:
It’s important to ask specific questions about a vehicle’s history, including any prior accidents, when purchasing a car. Having witnesses present during the transaction can also be helpful in case of any disputes that may arise later on.
Identifying Material Vehicle Accident Damage
When assessing a used vehicle, any significant accident damage should be taken into consideration as it could affect the performance and safety of the car. To qualify as “material,” vehicle accident damage must be significant enough that a reasonable purchaser would consider it when deciding whether or not to buy the car or truck. In this section, we’ll explore how significant accident damage can affect your buying decision.
Frame/Unibody Construction Damage Considered Material
A damaged frame or unibody construction is one of the most critical issues you should look for in an accident-damaged vehicle. This type of damage can compromise the structural integrity of the car, making it less safe in case of another collision. Moreover, repairing such damages can be expensive and may not always restore the vehicle to its original condition.
Front-End Suspension Issues Indicating Serious Accidents
If a vehicle has front-end suspension problems, there’s a good chance it was involved in a serious car accident. Damaged suspension components can lead to poor handling and increased tire wear, which could result in further accidents down the road. It’s crucial to have these issues addressed before committing to purchase.
Expensive Repair Costs Revealing Severity Of Past Incidents
- Dented body panels: While minor dents might not seem like much cause for concern initially, they can indicate more severe underlying issues that may require costly repairs.
- Cracked windshields: A cracked windshield is not only a safety hazard but also an expensive repair, especially if it’s part of a larger pattern of damage from an accident.
- Bent wheels or axles: Bent wheels or axles can be signs of significant collision damage and may lead to alignment problems and uneven tire wear. Repairing these components can be quite expensive.
Current Operational Impacts Like Misaligned Wheels
If you notice any operational issues during your test drive, such as misaligned wheels or poor handling, this could indicate previous accident damage. Be sure to ask the dealer about any concerns you have and consider having the vehicle inspected by an independent mechanic before finalizing your purchase decision.
In summary, being aware of material damages in used vehicles is crucial for making informed decisions when purchasing a car. By identifying potential red flags like frame/unibody construction damage, front-end suspension issues, expensive repair costs, and current operational impacts like misaligned wheels – you’ll ensure that you’re getting the best possible deal on a safe and reliable vehicle.
Key Takeaway:
When buying a used car, it’s important to look out for material vehicle accident damage that could affect the car’s performance and safety. Material damages include frame/unibody construction damage, front-end suspension issues, expensive repair costs like dented body panels or cracked windshields, and current operational impacts such as misaligned wheels. Identifying these red flags can help you make an informed decision when purchasing a safe and reliable vehicle.
Proving Dealer Knowledge About Pre-existing Collision Damage
In cases involving undisclosed collision-damaged vehicles, proving dealer knowledge is possible by leveraging California’s civil discovery rules. Used car dealers are experts in inspecting and valuing used cars, so if they sell an accident-damaged vehicle without disclosure, it can be inferred that they either knew or should have known about the damage.
Dealers’ Expertise in Evaluating Used Vehicles
Car dealerships employ professionals who specialize in evaluating the condition of used vehicles before putting them up for sale. These individuals conduct thorough inspections to identify any issues with a vehicle’s mechanical components, paint job, and structural integrity. If a dealership sells a used car with undisclosed accident damage despite their expertise in assessing such vehicles, it raises questions about their honesty and ethical practices.
Using Civil Discovery Rules to Obtain Evidence of Dealer Knowledge
California’s civil discovery rules allow attorneys representing clients involved in car accident lawsuits to request documents from the opposing party during litigation. This process may uncover evidence showing that the dealership was aware of pre-existing collision damage but chose not to disclose this information during negotiations. Examples include internal repair estimates or invoices for repairs performed on damaged parts prior to selling the vehicle.
Inferring Dealership Awareness Based on Their Profession
- Prior Repair Work: If there is evidence that repair work has been done on certain areas of your car after an accident (such as mismatched paint colors), it could indicate that the dealership was aware of the damage and tried to cover it up.
- Vehicle History Reports: Dealerships often have access to vehicle history reports, which may reveal past accidents or damages. If a dealer neglected to reveal this data, they could be held accountable for their carelessness.
- Expert Testimony: In some cases, an expert witness like a mechanic or auto body specialist can testify that certain types of damage are easily identifiable by professionals in the industry. This testimony can help establish that the dealership should have known about the pre-existing collision damage.
In summary, proving dealer knowledge about undisclosed accident-damaged vehicles is possible through various means such as leveraging civil discovery rules and using expert testimony. By holding dealers accountable for their actions, consumers who were misled during car transactions can seek justice and recover compensation for any financial losses incurred due to purchasing damaged vehicles without proper disclosure.
Seeking Legal Assistance for Accident-Damaged Vehicle Cases
If you’ve purchased a collision-damaged car or truck with undisclosed material damages, seeking legal assistance from specialized auto fraud attorneys is crucial. They can help prove the dealer’s knowledge of pre-existing damage and determine whether you’re entitled to monetary recovery due to being misled during the transaction process.
Importance of Consulting Auto Fraud Attorneys
An experienced car accident lawyer can navigate the complexities of auto fraud cases and provide valuable guidance throughout the process. These professionals have in-depth knowledge about California laws related to accident-damaged vehicles, insurance companies’ obligations, repair estimates, medical records, lost wages calculations, police reports analysis, and more. Engaging an attorney specializing in this type of law boosts your prospects of obtaining recompense for any monetary losses stemming from buying a damaged vehicle.
Proving Dealership Knowledge Through Expert Legal Representation
Your chosen car accident attorney will use their expertise to gather evidence that supports your claim against the dealership. This may involve obtaining documents through California’s civil discovery rules which could reveal information about prior repairs or inspections conducted by the dealer on your vehicle before selling it to you. Additionally, they may work closely with automotive experts who can assess if there were signs indicating previous damage that should have been noticed by a competent professional.
Determining Entitlement To Monetary Compensation
- Economic Damages: If successful in proving dealership negligence or fraudulent behavior regarding undisclosed material damages, you may be able to recover compensation for economic damages such as repair costs, diminished vehicle value, and lost wages due to missed work.
- Non-Economic Damages: In some cases, you might also be eligible for non-economic damages like emotional distress or inconvenience caused by the dealer’s actions. These types of damages can vary depending on individual circumstances and are typically harder to quantify than economic losses.
- Punitive Damages: If it is determined that the dealership acted with malice or intentional misconduct in selling a damaged vehicle without disclosure, punitive damages could potentially be awarded as well. This type of compensation serves as a deterrent against future fraudulent behavior by punishing wrongdoers financially.
For the best odds of recovering damages in a car accident lawsuit, it is advisable to seek counsel from an accomplished auto fraud lawyer who has familiarity with California law and extensive experience handling similar cases. Don’t hesitate to reach out for legal help if you believe you’ve been defrauded by a car dealer when purchasing an accident-damaged vehicle.
Key Takeaway:
If you have purchased a collision-damaged vehicle with undisclosed material damages, seeking legal assistance from specialized auto fraud attorneys is crucial. An experienced car accident lawyer can navigate the complexities of auto fraud cases and provide valuable guidance throughout the process to help recover compensation for any financial losses incurred as a result of purchasing an accident-damaged vehicle. It’s essential to consult with an attorney who understands California law and has a proven track record handling similar cases.
FAQs in Relation to Accident-Damaged Vehicle Lawsuits
How Long Do Most Car Accident Settlements Take?
Car accident settlements typically take between 3 months to 2 years, depending on the complexity of the case and factors such as liability disputes, severity of injuries, and insurance company negotiations. However, some cases may settle within a few months if both parties agree on terms quickly. Learn more about settlement timelines.
Conclusion
Accident-damaged vehicles can cause significant problems for unsuspecting car buyers. From reduced resale value to compromised safety, the consequences of purchasing a damaged vehicle can be severe. However, by understanding dealers’ obligations regarding accident damage disclosure and identifying material vehicle accident damage, buyers can protect themselves from fraudulent behavior.
If you suspect that you have purchased an accident-damaged vehicle due to dealer fraud or misrepresentation, seeking legal assistance from specialized auto fraud attorneys is crucial. With expert legal representation, it may be possible to prove dealership knowledge about pre-existing collision damage and recover damages for lost wages, medical bills, property damages, and more.
If you were sold a vehicle that was in a prior accident, call the Law Office of Paul Mankin, APC at 1-800-219-3577 for a free case evaluation.
by Paul MankinAre You Receiving Harassing Collection Calls from Bed Bath & Beyond Credit Card?
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.
by Paul MankinStop Harassing Phone Calls from Lane Bryant Credit Card
Is Comenity Bank calling you about your Lane Bryant credit card? Do they call at all hours of the day and night? Have you asked them to stop, but they continue? If you are being harassed by Comenity Bank about your Lane Bryant account, you may be able to get damages to compensate you.
If you think Comenity Bank, Lane Bryant, or another creditor has violated your rights, you should contact Law Office of Paul Mankin, APC right away. Attorney Mankin spends his time focusing on protecting consumers who have been the target of unsavory creditors like Comenity Bank. He can help you. Call today at 800-219-3577 to schedule a consultation.
You Have Rights Even If You Are Behind on Payments
You may have fallen behind on making payments on your Lane Bryant account. Even if this is the case, you have rights under state and federal laws, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).
Comenity Bank cannot:
- 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
Despite these protections, many companies like Comenity Bank violate the TCPA, FDCPA, RFDCPA, and other regulations on a daily basis. In fact, the Federal Trade Commission (FTC) receives more than 200,000 complaints per year about debt collection and harassment by creditors.
If Comenity Bank has used any of these tactics against you, you should immediately contact a debt defense lawyer who can help you understand your rights. Call attorney Paul Mankin today at 800-219-3577 to schedule a consultation of your case.
What Is the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is a law regulated by the Federal Trade Commission (FTC). It became effective in 1978. Its goal is to stop abusive, deceptive, and unfair debt collection practices by many creditors, including Comenity Bank. Under the FDCPA, you can get monetary damages if a creditor violates the law and acts in a harassing manner.
What Is the RFDCPA?
The Rosenthal Fair Debt Collection Practices Act is a California law that protects consumers in the state. Its purpose is to ensure debt collectors act with fairness and honesty while respecting the rights of debtors. The RFDCPA supports the same rights as the FDCPA, but expands the ability to recover compensation for losses like emotional distress.
What Is the TCPA?
Congress passed the Telephone Consumer Protection Act (TCPA) in 1991. It amended the Communications Act of 1934. Its purpose is to stop harassing calls from telephone marketers like Comenity Bank and Lane Bryant credit card.
The TCPA gives the Federal Communications Commission (FCC), a government agency, regulatory authority under the statute. Under the law, the FCC may implement regulations and coordinate a national Do-Not-Call registry that covers nearly all telemarketers.
Who Is Lane Bryant?
Lane Bryant is a women’s clothing store chain that targets plus-size individuals. It is based in the United States and currently has nearly 500 stores in 46 states. Their main products include shirts, shorts, pants, dresses, and other apparel, including intimates and athleisure for plus size feminine people.
Why Is Comenity Bank Calling Me About My Lane Bryant Account?
The Lane Bryant store credit card is actually a Comenity Bank line of credit. Your Lane Bryan account is managed by Comenity Bank. If you fall behind on payments or don’t pay the total amount due on time, Comenity Bank may call you to try to get the money they feel you owe.
Comenity Bank is known for harassing phone calls. They often do not comply with requests to stop calling your home or work phone number. This is illegal and they may owe you damages if they break the law.
How Is Comenity Bank and Lane Bryant Violating the Law?
In addition to harassing consumers, Comenity Bank partners with third party debt collection agencies who continue to violate the law. Some key parts of the TCPA that third party debt collection agencies and Comenity Bank are violating 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 calls are made by so-called “auto-dialers” or “robocallers” which includes a prerecorded voice message. You may not even have the opportunity to confirm information with the individual on the phone. You also cannot opt out or request to be placed on their do not call list. This is illegal and Comenity should be held accountable for breaking the law.
How Much Money Is My Debt Harassment Case Worth Against Lane Bryant’s Credit Card?
You can sue a debt collector like Comenity for harassing calls about your Lane Bryant account. The amount of money you can get depends on the severity of violation of the law, including how many times they have taken illegal actions.
Under the FDCPA, you can get up to $1,000 in damages along with court costs and attorney fees. However, under the RFDCPA, you may be able to get even more. Some debt harassment cases in California have awarded as much as $300,000 in compensation for emotional distress caused by the illegal tactics of creditors.
When you file a debt harassment lawsuit under the FDCPA, you do not have to pay legal fees if you win. Instead, the defendant who violated the law will typically pay for your court costs and attorney fees.
A Lane Bryant Credit Card Harassment Lawyer Can Help
If you have a Lane Bryant credit card and have been receiving harassing calls from Comenity Bank or a third party, then you may be eligible to receive damages. You have rights, even if you have fallen behind on payments. Don’t let them take advantage of you.
We can help you stop the harassing phone calls and get money to compensate you for the stress you’ve endured.
Call Law Office of Paul Mankin, APC today at 800-219-3577 to schedule a consultation of your case.
by Paul MankinStop DSW Credit Card Harassment Today
Are you getting harassed over past due DSW credit card payments? You should know that you have rights even if you’ve fallen behind. DSW and Comenity Bank often violate those rights. If they do, they may owe you compensation for creditor harassment.
If DSW, Comentiy Capital Bank, or their third-party debt collectors are harassing you, you should immediately contact Law Office of Paul Mankin, APC. He will review your case and help you decide how to relieve the stress caused by constant calls from creditors. Call today at 800-219-3577.
Your Rights Against Credit Card Harassment by DSW Credit Card
Credit card debt is stressful, especially if creditors are calling you day and night. However, there are state and federal laws that protect consumers from harassment and other unsavory behavior by creditors. The Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) provide you with protections against creditors like DSW and Comenity Bank.
When collecting a debt, Comenity Bank 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
Your rights are clear. Despite this, companies like Comenity Bank and DSW collection agencies violate the TCPA, FDCPA, RFDCPA, and other regulations. The Federal Trade Commission (FTC) reported that they receive more than 200,000 complaints annually from consumers about debt harassment and rights violations.
If DSW credit card or Comenity Bank violated your consumer rights, you should immediately contact a debtor defense lawyer. Attorney Paul Mankin fights for his clients and helps them get the compensation they deserve. Call 800-219-3577 for a debt harassment case consultation.
The FDCPA Protects Consumers Against Harassment
The Fair Debt Collection Practices Act (FDCPA) regulates the actions of creditors, prohibiting abusive, deceptive, and unfair debt collection. Violations of this law should be reported to the Federal Trade Commission (FTC). Creditors like Comenity Bank have had to pay compensation to consumers under the FDCPA for their harassment and violation of consumer rights.
The RFDCPA Prohibits Debtor Harassment in California
The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is a California law that prohibits harassment of consumers. It was enacted to force creditors to act with fairness and honesty. Creditors are expected to respect debtor rights, even if they are owed money. The RFDCPA allows consumers to collect compensation if they have been harassed. It also allows damages for emotional distress.
The TCPA Regulates Telephone Marketer Actions
The Telephone Consumer Protection Act (TCPA) is a federal law that prohibits violation of the public’s rights by telephone marketers like Comenity Bank and DSW. The Federal Communications Commission (FCC) makes relevant regulations under this law to protect consumer rights. It also manages a Do-Not-Call registry that must be respected by telemarketers.
Why Is Comenity Bank Calling Me About My DSW Credit Card?
DSW, which is often called Designer Shoe Warehouse, offers shoe brands for the entire family. They have nearly 550 stores in the United States and Canada. DSW is a branch of Designer Brands, which also operates Camuto Group and The Shoe Company/Shoe Warehouse.
The DSW credit card is a line of credit managed by Comenity Capital Bank, which handles all payments and collections of debt. If you don’t make a payment, Comenity will attempt to collect the debt or they will engage a third-party collection agency to call you.
Comenity Bank and their third-party collectors often violate consumer rights by using harassing tactics. They violate state and federal laws, and they can be held accountable by paying you monetary damages.
Consumer Rights Often Violated by DSW Credit Card
DSW credit card debt is collected by Comenity Capital Bank and their third-party collectors. Those entities often violate state and federal laws. Some of the most common illegal actions taken by Comenity 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
Comenity Bank and other debt collectors may use “auto-dialers” or “robocallers” to communicate with debtors. If you receive a phone call that begins with a voice message or automated message, it’s likely a robocall. You may be transferred to a live person. However, you’re not likely to receive an option to opt out of these calls. Robocalls are often used to harass when they occur repeatedly day and night.
How Much Money Can I Get If I Sue DSW Credit Card?
If Comenity Bank and third-party collection agencies violated your consumer rights, then you may be able to get compensation. State and federal laws allow you to get money; however, the exact amount depends on several factors, including:
- The severity of law violations
- Times laws were violated
- Your specific damages
You can get $1,000 in statutory damages (as determined by the law) under the FDCPA for debtor harassment. The FDCPA also allow you to get money for attorney fees and court costs. California’s RFDCPA also allows you to collect compensation for statutory damages, legal fees, and emotional distress. In fact, some consumers whose rights were violated have received as much as $300,000 in damages for emotional distress.
The defendants in your debtor harassment case are required to pay for your attorney fees and legal costs. That means you won’t have to pay for the case when you win.
Contact a DSW Credit Card Harassment Lawyer
You have rights that DSW, Comenity Bank, and debt collection agencies must respect. If they do not, you can get compensation for your stress and other damages. However, these cases can be difficult, and the defendants will fight back.
You should contact a debtor defense lawyer if you’re being harassed, or you think your consumer rights have been violated. Attorney Paul Mankin is here to listen to your story and help. Call Law Office of Paul Mankin, APC at 800-219-3577 to get solid legal advice about your past due credit cards.
by Paul MankinMake the Harassing Phone Calls from Comenity Bank Children’s Place Credit Card Stop
You likely applied for a Children’s Place credit card to cover purchases for your loved ones. Now you may be behind on payments and receiving calls from the creditor day and night. Have you asked them to stop, but they continue? You have rights. You may be eligible for monetary compensation due to creditor harassment.
If Children’s Place credit card or their account manager Comentiy Bank is harassing you, you should immediately contact Law Office of Paul Mankin, APC. These companies will try to take advantage of you and violate your rights. Call today at 800-219-3577 for a case consultation.
Consumer Rights Against Harassment by Children’s Place Credit Card
Debt can cause a lot of stress, especially if you get behind. You don’t need the creditor harassing you constantly. There are state and federal laws that protect you, even if you have fallen behind. The Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) work to protect consumers from creditors like Comenity Bank and Children’s Place credit card.
It is illegal for Comenity Bank 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
Consumer protection laws make it clear that you have rights. However, companies like Comenity Bank and third-party collectors consistently violate the TCPA, FDCPA, RFDCPA, and other regulations all the time. In fact, there are more than 200,000 complaints to the Federal Trade Commission (FTC) every year about harassment and unfair treatment by creditors.
If your creditor rights have been violated by Children’s Place or Comenity bank, you should contact a debtor defense lawyer right away. Attorney Paul Mankin is ready to fight for you. Call 800-219-3577 for a consultation of your specific case.
How Does the FDCPA Protect Consumers?
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates creditors. Violations of consumer rights should be reported to the Federal Trade Commission (FTC). This law prohibits abusive, deceptive, and unfair debt collection by creditors like Comenity Bank. The FDCPA does allow consumers to get monetary compensation if you are being harassed by a creditor or your rights are otherwise being violated.
California’s RFDCPA Also Protects Consumers
The Rosenthal Fair Debt Collection Practices Act (RFDCPA) was enacted by California lawmakers to protect consumers. It imposes restrictions on creditors and works to make them act with fairness and honesty. The goal is respect for debtor rights. The RFDCPA also allows damages for debtors who have been harassed. However, it expands the ability to get compensation for emotional distress.
Telephone Marketers Must Comply With the TCPA
The Telephone Consumer Protection Act (TCPA) prohibits harassing behavior from telephone marketers, including Comenity Bank and GameStop in some cases. The Federal Communications Commission (FCC) has authority under the TCPA to make regulations protecting consumers’ rights. It also allows the federal agency to organize a Do-Not-Call registry that must be followed by telemarketers.
Children’s Place Offers Credit Cards Through Comenity Bank
The Children’s Place is one of several brand names that may accept the Children’s Place credit card, including PJ Place, Gymboree and Sugar & Jade. These companies sell clothing for babies, toddlers, and young children. They’ve recently expanded to providing some coordinating adult clothing.
The Children’s Place credit card is a line of credit offered by Comenity Bank. Your account is not handled by the store at all. Instead Comenity Capital Bank manages all payments and collections of debt. If you fall behind or don’t make a full payment on time, then the bank or a third-party collector may call you to get money they think you owe.
Comenity Bank is known for using harassing tactics to collect debts for The Children’s Place credit card. They do not always follow consumer protection laws. The debt collection practices Comenity Bank uses are often illegal and they may owe you monetary damages if they violate your rights.
Consumer Rights Violated by The Children’s Place Credit Card
The Children’s Place credit card debt is collected by Comenity Bank and third-party collectors. These entities often violate state and federal laws by harassing debtors. Some of the illegal actions taken by Comenity Bank and others 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
Debt collector calls may be made by “auto-dialers” or “robocallers.” If you answer the phone and there is a recorded voice message or automated message on the line, it’s likely a robocall. You may be given the option to transfer to a live person; however, it’s not likely you will be allowed to opt out of those calls. You may continue to receive them repeatedly in a harassing manner – at home and at work. Comenity should be held accountable for breaking the law.
What Is My Debtor Harassment Case Worth Against Children’s Place?
You may be able to collect compensation against Comenity Bank and their third-party collection agencies. If you’ve been harassed or your rights were otherwise violated, you can get monetary compensation under state and federal laws. The exact value of your case depends on the severity of law violations, times the law was violated, and your damages.
The FDCPA allows you to collect up to $1,000 as well as court costs and attorney fees in cases like these. However, you may be able to get even more under the RFDCPA. California’s consumer protection laws allow you to get money for emotional distress caused by the creditors. In some cases, debtors have been awarded up to $300,000.
When you win a debtor harassment case, you don’t have to pay legal fees. The defendants will pay your attorney fees and court costs.
A Children’s Place Credit Card Harassment Lawyer Can Help
If you’re being harassed by The Children’s Place credit card, Comenity Bank, or their third-party collection agencies, you should contact a debtor defense lawyer to protect your rights. You may be able to get money to compensate you for damages and emotional distress.
Attorney Paul Mankin will compassionately listen to your situation and make the calls stop. Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation with a legal professional.
by Paul MankinHow You Can Stop Harassing Phone Calls About Your Forever 21 Account
Are you past due on your Forever 21 credit card account? If so, you may be receiving debt collection calls from Comenity Bank or one of their third-party agencies. If you ask them to stop and they continue, you may be able to get compensation for their debtor harassment.
Forever 21, Comneity Bank, and their debt collection agencies are known to harass consumers and violate state and federal laws. If you’re receiving repetitive calls from these entities, you should immediately contact Law Office of Paul Mankin, APC. Call our debt defense lawyers at 800-219-3577 to schedule a case consultation.
Attorney Paul Mankin Will Protect Your Rights
Credit card debt can cause significant stress. You don’t need the creditor calling day and night to harass you. There are state and federal laws that protection consumers’ rights, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).
Debt collectors like Forever 21 and Comenity Bank 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
Despite these laws, Comenity Bank and their third-party collection agencies are known to violate the TCPA, FDCPA, RFDCPA, and other regulations. In fact, the Federal Trade Commission (FTC) reported that consumers make more than 200,000 complaints annually about debt collection tactics and harassment by creditors.
If your rights have been violated regarding your Forever 21 account, you should immediately contact a consumer rights attorney who can provide you with solid legal advice. Attorney Paul Mankin is a trusted negotiator and litigator who will stand up for you. Call 800-219-3577 to schedule a case consultation.
Protecting You Against Harassment with the FDCPA
Attorney Paul Mankin knows how to use the Fair Debt Collection Practices Act (FDCPA) to get compensation for his clients. This law protects consumers against abusive, deceptive, and unfair debt collection practices by creditors like Forever 21 and Comenity Bank. Violations of this law should be reported to the FTC.
California’s RFDCPA Allows You to Get Even More Compensation
California’s consumer protection law, the Rosenthal Fair Debt Collection Practices Act (RFDCPA), focuses on making debt collectors respect the rights of debtors by acting with fairness and honesty. This law allows for damages similar to federal laws; however, it expands the ability to collect money for emotional distress.
The TCPA Prohibits Harassment in Telephone Marketing
In some cases, the Telephone Consumer Protection Act (TCPA) may apply to creditors like Comenity Bank. This federal law prohibits telephone marketers from harassing consumers. The Federal Communications Commission (FCC) has authority under the TCPA to implement regulations regarding telemarketers. It also allows the FCC to coordinate a national Do-Not-Call registry.
What Is Forever 21?
Forever 21 is one of the largest retail stores in the United States. They sell clothing focused on the whole family, including shoes and accessories. Forever 21 has more than 540 locations globally, and consumers can also shop online.
Why Is Comenity Bank Calling Me About My Forever 21 Account?
The Forever 21 credit card, also called Forever Rewarded, is actually a line of credit offered by Comenity Capital Bank, which is part of Bread Financial. When you fall behind on Forever 21 payments, Comenity Bank will try to collect that debt by calling you and sending letters via mail. Comenity Bank may also use third-party collection agencies to collect debts on their behalf.
Comenity Bank and the third-party collectors they use often harass consumers in an attempt to collect a debt. They may continue to call you after you request that they stop, or they may threaten legal action without actually intending on filing a lawsuit. These tactics are illegal, and Comenity Bank may owe you money if they violate your consumer rights.
How Do Comenity Bank and Forever 21 Violate Consumer Protection Laws?
Comenity Bank and Forever 21 are required to comply with state and federal laws when collecting a debt. Even if you are behind on payments, you have rights that should be respected. Some regulations Comenity Bank frequently violates 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 debt collectors may use “auto-dialers” or “robocallers” to contact you. If you answer the phone and hear a voice message or recorded statement, then it’s likely a robocall. You will not likely be given an opportunity to opt out of those auto-dialed calls. Comenity Bank’s illegal practices are violations of your rights, and they should be held accountable.
Can I Get Money If Comenity Bank and Forever 21 Violated My Rights?
If your rights have been violated by Comenity Bank and Forever 21 credit card, then you may be able to get compensation. The exact value of your case depends on several factors, including:
- Severity of violation of the law
- How many times they have acted illegally
- Your actual damages
You can get up to $1,000 for debtor harassment under the FDCPA. The defendants will also have to pay your attorney fees and court costs under federal law. California’s RFDCPA can help you get even more for emotional distress. Some cases in California have resulted in damages of up to $300,000 for consumers who were harassed by creditors.
Are you worried about how much a debtor defense attorney costs? You won’t have to pay legal fees in a debt harassment lawsuit when you win. Instead, the defendant creditor is required to pay for attorney fees and court costs.
A Forever 21 Credit Card Harassment Lawyer Can Help You
Have you fallen behind on your Forever 21 credit card account? Is Comenity Bank or a third-party collection agency harassing you? You may be able to get compensation for your damages and the stress you’ve endured.
Attorney Paul Mankin can help you make the phone calls and harassment stop. Find out how a debt harassment lawyer can help you get the compensation you need to move forward.
Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation.
by Paul MankinHow to Stop Harassing Phone Calls from GameStop Credit Card
If you have a GameStop credit card and Comenity Bank is calling you day and night, you may be able to get damages to compensate you. Have you asked them to stop, but they continue to harass? Even if you are behind on payments, you have rights.
If Comenity Bank, GameStop, or another creditor is harassing you or otherwise violating your rights, you should immediately contact Law Office of Paul Mankin, APC. We know that companies like Comenity Bank try to take advantage of people like you. Call today at 800-219-3577 to schedule a consultation.
Your Legal Rights When GameStop is Harassing You
Being in debt is hard enough without a creditor constantly harassing you. You’re likely stressed out and unsure about your rights. There are state and federal laws that protect consumers 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).
Comenity Bank is not permitted 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
Although consumer protection laws are clear, companies like Comenity Bank and their third-party collectors violate the TCPA, FDCPA, RFDCPA, and other regulations all the time. According to the Federal Trade Commission (FTC), every year more than 200,000 people complain about debt collection and harassment by creditors.
If you’ve received calls about your GameStop PowerUp Rewards Credit Card and Comenity Bank is harassing you, you should immediately contact a debtor defense lawyer. Attorney Paul Mankin is here to help you understand your rights. Call 800-219-3577 to schedule a case consultation.
The FDCPA Protects You Against Harassment
The Fair Debt Collection Practices Act (FDCPA) is a federal law overseen by the Federal Trade Commission (FTC). Violations of its regulations should be reported to the FTC. The FDCPA works to stop abusive, deceptive, and unfair debt collection practices by creditors like Comenity Bank. Under the FDCPA, you can get monetary damages if a creditor is harassing you or otherwise violating the law.
State Laws Protect You Also: The RFDCPA
The Rosenthal Fair Debt Collection Practices Act (RFDCPA) is a California law that imposes restrictions on creditors. It attempts to make debt collectors act with fairness and honesty in order to respect the rights of debtors. The RFDCPA allows for damages in a similar manner as the FDCPA; however, it also expands the ability to collect compensation for emotional distress.
Telephone Marketers Are Guided By the TCPA
The Telephone Consumer Protection Act (TCPA) works to stop harassing phone calls from telephone marketers, which may include Comenity Bank and the GameStop credit card. This federal law gives the Federal Communications Commission (FCC) authority to implement regulations addressing the rights of consumers. It also allows for the coordination of a national Do-Not-Call registry that applies to nearly all telemarketers.
About the GameStop PowerUp Rewards Credit Card
The GameStop credit card allows consumers to shop in-store and online with credit so that they can pay over time. If a consumer purchases multiple items in an order, each shipment created may result in a separate credit plan with minimum purchase requirements and individual interest charges. The credit card also offers PowerUp Rewards, which issues credits or points that can be used for future purchases. The GameStop PowerUp Rewards credit card is issued by Comenity Capital Bank.
Why Is Comenity Bank Calling Me About My GameStop Account?
You might think you have a credit card form GameStop, but in reality, it is a store-specific line of credit issued by Comenity Bank. Your GameStop account is managed by Comenity Capital Bank. If you fall behind or don’t pay the total amount due on time, Comenity Bank may call you to get the money they feel you owe.
Comenity Bank and their third party collectors are known for using harassing tactics to collect on past due accounts. They may not comply with your requests to stop calling at work or to communicate with you via mail only. These practices are illegal, and they may owe you damages if they violate your rights.
Comentiy Bank and GameStop Credit Card Frequently Violate Laws
Comenity Bank often partners with third party debt collection agencies to attempt to collect a debt. Both entities frequently violate state and federal laws. Some key parts of these regulations that Comenity Bank violates 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 these calls are made by “auto-dialers” or “robocallers.” If you receive a call with an voice message or recorded statement, it’s likely an automated call. You may be transferred to a real person. However, in some situations, you are not given an option to confirm information with an individual on the phone. Additionally, you are not likely given an option to opt out of these calls or be placed on their do not call list. These are illegal tactics and Comenity Bank should be held accountable for breaking the law.
How Much Can I Get for My Harassment Case Against GameStop Credit Card?
You can sue Comenity Bank and their third-party collectors for harassing you about your GameStop credit account. The value of your case depends on several factors, including:
- Severity of violation of the law
- How many times they have acted illegally
- Your actual damages
Under the FDCPA, you can get up to $1,000, court costs, and attorney fees for a creditor harassment case. However, California’s RFDCPA may allow you to get even more. Some cases have resulted in damages of up to $300,000 for emotional distress caused by the creditors’ violations of consumer rights.
You don’t have to pay legal fees in a debt harassment lawsuit if you win. Instead, the defendant creditor will have to pay court costs and attorney expenses.
A GameStop Credit Card Harassment Lawyer Can Help You
If you have a GameStop credit card and Comenity Bank or a third-party collection agency have been harassing you, then you may be able to get financial compensation. You have rights, even if you are not up to date on your account.
Attorney Paul Mankin can help you stop the harassing phone calls and get money for the stress you’ve faced.
Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation.
by Paul MankinAre You Getting Harassing Calls About Your Fullbeauty Credit Card Debt?
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.
by Paul MankinYou Can Stop Harassing Phone Calls About Your Forever 21 Account
Are you past due on your Forever 21 credit card account? If so, you may be receiving debt collection calls from Comenity Bank or one of their third-party agencies. If you ask them to stop and they continue, you may be able to get compensation for their debtor harassment.
Forever 21, Comneity Bank, and their debt collection agencies are known to harass consumers and violate state and federal laws. If you’re receiving repetitive calls from these entities, you should immediately contact Law Office of Paul Mankin, APC. Call our debt defense lawyers at 800-219-3577 to schedule a case consultation.
Attorney Paul Mankin Will Protect Your Rights
Credit card debt can cause significant stress. You don’t need the creditor calling day and night to harass you. There are state and federal laws that protection consumers’ rights, including the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).
Debt collectors like Forever 21 and Comenity Bank 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
Despite these laws, Comenity Bank and their third-party collection agencies are known to violate the TCPA, FDCPA, RFDCPA, and other regulations. In fact, the Federal Trade Commission (FTC) reported that consumers make more than 200,000 complaints annually about debt collection tactics and harassment by creditors.
If your rights have been violated regarding your Forever 21 account, you should immediately contact a consumer rights attorney who can provide you with solid legal advice. Attorney Paul Mankin is a trusted negotiator and litigator who will stand up for you. Call 800-219-3577 to schedule a case consultation.
Protecting You Against Harassment with the FDCPA
Attorney Paul Mankin knows how to use the Fair Debt Collection Practices Act (FDCPA) to get compensation for his clients. This law protects consumers against abusive, deceptive, and unfair debt collection practices by creditors like Forever 21 and Comenity Bank. Violations of this law should be reported to the FTC.
California’s RFDCPA Allows You to Get Even More Compensation
California’s consumer protection law, the Rosenthal Fair Debt Collection Practices Act (RFDCPA), focuses on making debt collectors respect the rights of debtors by acting with fairness and honesty. This law allows for damages similar to federal laws; however, it expands the ability to collect money for emotional distress.
The TCPA Prohibits Harassment in Telephone Marketing
In some cases, the Telephone Consumer Protection Act (TCPA) may apply to creditors like Comenity Bank. This federal law prohibits telephone marketers from harassing consumers. The Federal Communications Commission (FCC) has authority under the TCPA to implement regulations regarding telemarketers. It also allows the FCC to coordinate a national Do-Not-Call registry.
What Is Forever 21?
Forever 21 is one of the largest retail stores in the United States. They sell clothing focused on the whole family, including shoes and accessories. Forever 21 has more than 540 locations globally, and consumers can also shop online.
Why Is Comenity Bank Calling Me About My Forever 21 Account?
The Forever 21 credit card, also called Forever Rewarded, is actually a line of credit offered by Comenity Capital Bank, which is part of Bread Financial. When you fall behind on Forever 21 payments, Comenity Bank will try to collect that debt by calling you and sending letters via mail. Comenity Bank may also use third-party collection agencies to collect debts on their behalf.
Comenity Bank and the third-party collectors they use often harass consumers in an attempt to collect a debt. They may continue to call you after you request that they stop, or they may threaten legal action without actually intending on filing a lawsuit. These tactics are illegal, and Comenity Bank may owe you money if they violate your consumer rights.
How Do Comenity Bank and Forever 21 Violate Consumer Protection Laws?
Comenity Bank and Forever 21 are required to comply with state and federal laws when collecting a debt. Even if you are behind on payments, you have rights that should be respected. Some regulations Comenity Bank frequently violates 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 debt collectors may use “auto-dialers” or “robocallers” to contact you. If you answer the phone and hear a voice message or recorded statement, then it’s likely a robocall. You will not likely be given an opportunity to opt out of those auto-dialed calls. Comenity Bank’s illegal practices are violations of your rights, and they should be held accountable.
Can I Get Money If Comenity Bank and Forever 21 Violated My Rights?
If your rights have been violated by Comenity Bank and Forever 21 credit card, then you may be able to get compensation. The exact value of your case depends on several factors, including:
- Severity of violation of the law
- How many times they have acted illegally
- Your actual damages
You can get up to $1,000 for debtor harassment under the FDCPA. The defendants will also have to pay your attorney fees and court costs under federal law. California’s RFDCPA can help you get even more for emotional distress. Some cases in California have resulted in damages of up to $300,000 for consumers who were harassed by creditors.
Are you worried about how much a debtor defense attorney costs? You won’t have to pay legal fees in a debt harassment lawsuit when you win. Instead, the defendant creditor is required to pay for attorney fees and court costs.
A Forever 21 Credit Card Harassment Lawyer Can Help You
Have you fallen behind on your Forever 21 credit card account? Is Comenity Bank or a third-party collection agency harassing you? You may be able to get compensation for your damages and the stress you’ve endured.
Attorney Paul Mankin can help you make the phone calls and harassment stop. Find out how a debt harassment lawyer can help you get the compensation you need to move forward.
Call Law Office of Paul Mankin, APC at 800-219-3577 to schedule a case consultation.