855-334-4202
855 area code:
Toll-free
Read comments below about 8553344202. Report unwanted calls to help identify who is using this phone number.
- Business Owner| 1 replyThey keep calling my business saying they are from Community bank about a Victoria's Secret debt that isn't mine.
- Caller: Community Bank / Victoria's Secret
- Call type: Debt collector
- BigA replies to Business OwnerIt is this outfit, not Community. You need to send them a certified letter telling them to cease and desist calling you and if necessary then sue them for TCPA and FDCPA violations.
You need to send them a certified, return receipt "not me" letter (think of it as the best $6.47 you ever invested). Also send it first class mail in case no one will sign for it. Make a notation of that fact at the bottom of the letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it. Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front): http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All
COMENITY BANK
One has to wonder why these allegedly “legit” companies need so many phone numbers to call people with.
Seems to be a frequent flyer in these pages with a very bad reputation. Be advised that they are not subject to the FDCPA since they are the creditor. They may however be subject to state laws.
Web site with contact information: http://www.comenity.net/comenity/ContactUs/
Now for the interesting part.
BBB page with 1,532 complaints, and 261 negative reviews and they still get an A rating (the rating was reduced to an A and the BBB got rid of 123 complaints and 2 negative reviews so that they wouldn’t have to drop them any further). What the heck is that all about? http://www.bbb.org/centralohio/business-revie ... olumbus-oh-6558
They must be paying big bucks to the BBB for that.
Bizapedia has them as a Florida Fictitious name but they are located in Ohio: http://www.bizapedia.com/fl/COMENITY-BANK.html
Name verified at Sunbiz.org
Other complaints:
http://www.complaintslist.com/banks/comenity/
Looks like they get sued a lot including a class action:
https://eclaim.kccllc.net/caclaimforms/cyc/home.aspx
http://www.law360.com/articles/583738/comenit ... on-in-tcpa-suit
http://www.picchiclasssettlement.com/wp-conte ... -Claim-Form.pdf
https://www.gpo.gov/fdsys/granule/USCOURTS-ny ... 1_13-cv-01002-0
http://law.justia.com/cases/federal/district- ... 4462/414217/72/
http://www.leagle.com/decision/In%20FDCO%2020 ... Comenity%20Bank
https://www.pacermonitor.com/public/case/10101646/Ruiz_v_Comenity_Bank_et_al
They are not subject to the FDCPA since they are the creditor. However, they may be subject o state laws. Curtesy of Resident47:
“Several enlightened states restrict the behavior of original creditor collections in ways similar to the FDCPA, usually granting private right of action, meaning the bank's in-house thugs can be sued by consumers. Those states include California, Florida, Pennsylvania, Utah, and Wisconsin.”
Send them a cease and desist letter by certified, return receipt US mail. Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: https://800notes.com/faq/attorney-general
Also file a complaint with the Florida AG’s Office: http://myfloridalegal.com/
And the Florida Dept. of Financial Regulation: http://www.flofr.com/StaticPages/FileAComplaint.htm
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