614-729-9024

Yes along with the number (614) 729-9023,
they can 3-4 a day but never leave a message

This number and the same ending in 9023, call minimum 5 times each, sometimes as early as 730am, no messages.. and I've asked them to stop BC of the excessive amount.. 10 or more per day..

The company is Community, credit card I believe.. live Victoria Secret and/or Express.

This is the number for Comenity Bank. I have a Marathon card and Overstock card that are now past due. They also call from 614-729-9023.

The Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. §1962) is a federal law enacted in 1978 to protect consumers from debt collector harassment and abuse. The law clearly outlines collection practices that are considered unfair, abusive, and deceptive.

Know your FDCPA rights!
Whether you are receiving phone calls, letters, or have been sued, you have rights under the FDCPA. Even if you owe the debt and cannot pay it or dispute the amount claimed, debt collectors must comply with the law. Debt collectors are required to provide you with accurate information, produce proof of the debt upon request, and may never engage in intimidation or harassment.

Under the FDCPA, debt collectors cannot:

• Call you if you have told them to stop.
• Call you at all, once notified that you are represented by an attorney.
• Call your family, friends, co-workers, or anyone else to discuss the debt.
• Call you before 8:00 am or after 9:00 pm, unless you have granted permission beforehand.
• Call you at any time or place which is inconvenient for you to receive such calls.
• Harass you by calling repeatedly.
• When calling family or friends, collectors may only call once, and only to request information on how to locate you.
• Lie or falsely imply, in any communication, that the collector is a government agency, is serving you with papers, that you are subject to arrest, or that you have committed a crime.
• Provide untruthful information about the debt or the amount owed.
• Threaten to harm you.
• Threaten to seize your paycheck, bank accounts, or property.
• Use obscene language in communicating with you.
• Publish your name on a "bad debt list" (except to a credit rating agency).
• Fail to identify themselves as debt collectors in every communication.
• Demand your social security number, credit or debit card number, or bank account number.
• Fail to inform you that any information provided to them will be used to collect the debt.
• Attempt to collect a debt that is so old that it is beyond the statute of limitations, unless the consumer is told.

Debt collectors must give you the following information upon request:

• The amount of the debt.
• The name of the creditor to whom you allegedly owe the debt.
• A verification letter sent within five days of the first communication with the consumer.
  
  • The verification letter must explain that, unless the consumer disputes the validity of the debt (or any portion thereof) within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.
  • The letter must say that, if the consumer notifies the debt collector in writing within the 30-day period that the debt (or any portion thereof) is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. In turn, a copy of such verification or judgment will be mailed to the consumer by the debt collector.
  • The letter must say that, upon the consumer's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

https://www.ftc.gov/enforcement/rules/rulemak ... ctices-act-text

To file a complaint: https://www.ftccomplaintassistant.gov/#&panel1-1

Also file a complaint with your state's attorney general: http://consumerfraudreporting.org/stateattorneygenerallist.php
and the Consumer Financial Protection Bureau: http://www.consumerfinance.gov/complaint/

Sign up for scam alerts: https://www.consumer.ftc.gov/scam-alerts

Lots of helpful FTC links: https://www.consumer.ftc.gov/topics/credit-and-loans

One huge problem with that.  Commenity bank is the creditor and as such is not covered under the FDCPA.

Doesn't give them the right to harass people. Harassment is harassment and is illegal no matter how you slice it. :o)

There is a reason I included that last link on my post.

You are right, but there currently is no law that prevents it.  Unless you live in one of 5 enlightened states, then you can get them under state law.  You can however still file a complaint with the State AG and CFPB.  You cannot sue them under the FDCPA.  I suppose under certain conditions you might be able to get them on a TCPA violation, but there would be a lot of ifs in that one.

To the best of my knowledge all 50 states have harassment laws.

All I am doing is providing a starting point. I can't hold their hand and walk them through each step of the way. So, between the info I provided and the info you have provided, they should be able to figure it out and get the info they need for their specific situation. All we can do is point them in the direction they need to go. It's up to them what they do with the info, if they do anything.

Who Is Considered a Creditor under the FDCPA?

The FDCPA defines a creditor as the person or entity that extended you the credit in the first place (in other words, your original lender). Since the FDCPA is designed to protect debtors against third party debt collectors, it does not apply to your original creditor or its employees.

However, there is an exception to this rule. When collecting its own debts, a creditor will not be exempt from the FDCPA if it uses a different name that implies a third party is attempting to collect the debt.

http://www.nolo.com/legal-encyclopedia/what-i ... r-creditor.html

Quote:

However, there is an exception to this rule. When collecting its own debts, a creditor will not be exempt from the FDCPA if it uses a different name that implies a third party is attempting to collect the debt.

Thank you. I knew there would be an exception. I just hadn't had time to chase it down yet. I will add this info to mine. Unless you have an objection?

I have never seen a post that would indicate they are using any other name.

Called Sunday 6/26/16 at 8:22 AM!   Just called again at 12:25P.  I have perfect credit!  ANOTHER SPOOF CARD call as far as I'm concerned. NO voicemail either.  I don't ANSWER calls I don't know anyway, and it surprises me some of you on this page do.  Answering them solves nothing.   You PAY THE BILL; answer who you like.  If they were desperate you would hear by certified mail, or other methods if you owe.  PUT DOWN THE PHONE KIDS!  THAT'S HOW YOU LOSER YOUR ID!

This number has called repeatedly and left no message. They are blocked on my phone now.

Calls 10 plus times a day and doesn't leave a message.

This number calls everyday 5-6 a day never leave a message.....Even on Sundays!!!! The harassment needs to STOP

STOP HARNESSING CALLING NOW......

Who's harnessing you? Nobody on here has control or connections with who's calling you.

Unrecognized number. Repeatedly calls. Recorded message. Hang up. Blocked.

Missed a $25 payment without realizing it until I recived a statement on August 28th. The calls started on the 29th, and since then there have been 7.