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Using Call Blocking Features: In case you keep receiving calls from Comenity Bank, consider utilizing call blocking options to prevent them from contacting you. Once Comenity Bank receives your letter, they are legally obligated to stop contacting you.įile a complaint: If you feel that Comenity Bank has violated the Fair Debt Collection Practices Act (FDCPA), you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general. Send a cease and desist letter: Send a written request to Comenity Bank asking them to stop contacting you. This will be helpful if you need to take legal action later. If possible, record the conversation or take notes during the call. Keep a record of the call: Make a note of the date, time, and content of the call. This provides a written record of all correspondence and can help you better manage and address the situation. Request written communication: If you prefer to communicate in writing, you can request that Comenity Bank send you information about your account through mail or email. Debt collectors are prohibited from using threatening or abusive language, calling at unreasonable hours, or contacting you at work if you’ve requested them not to do so. Know your rights: Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA), which protects consumers from harassment and abusive debt collection practices. This includes the account number, outstanding balance, due date, and any associated fees or charges. Gather information: If the call is about an unpaid debt or a credit card account, request details about the account in question. Ask for the representative’s name, company, and a callback number. Verify the caller: Before providing any personal information or discussing your account, verify that the caller is genuinely representing Comenity Bank. Follow these steps to address the situation: If Comenity Bank is calling you, it’s essential to handle the situation calmly and responsibly.