Why does comenity keep calling me

Our team of attorneys, over the years, has helped countless clients understand the process better, act against it as needed, and win largely successful outcomes.

Stop Comenity Calls Comenity Bank may be calling you from all different phone numbers. The law has guidelines specifically for the purpose of debt collection, including the following practices that are out of bounds for debt collectors: Calling you any time of the day, including late night or early morning.

Calling you at your workplace. Passing on information about your debt to another person; giving debt-related information to the person who answers the phone.

Leaving a message regarding details of your debt with friends or relatives or neighbors. Not informing you that the responsibility of collecting your debt has been handed over to a debt collection agency.

Usually debt holders only have to worry about lawsuits if their accounts become days past due and charge off, or default.. Debt collectors are legally allowed to call your friends or family to try to locate you. But they cannot call these people to try to collect the payment for the debt, and they are only allowed to call once unless they believe there may be new information to be found.

If a debt collector has gone to court and obtained a legal judgment against you, your wages can be garnished until the debt has been repaid. That might be seven months, seven years, or even longer. You might get sued. The debt collector may file a lawsuit against you if you ignore the calls and letters. If you then ignore the lawsuit, this could lead to a judgment and the collection agency may be able to garnish your wages or go after the funds in your bank account.

Comenity Bank and Comenity Capital Bank have been connecting people to the retailers they love for more than 30 years. You may also contact Customer Care for accessibility services here:. Variable APRs change at the beginning of every month and are effective immediately. The updated variable APR will be available on your next billing statement, which can be accessed by signing in to your online Account Center.

You can enroll in paperless billing communication through your online Account Center. Once you sign in, you can access the enrollment function through one of these areas:. From any of these locations, select to learn more and enroll. Paperless billing and communication will typically begin with the billing statement following your enrollment. Once enrolled, you will receive an email from the bank notifying you that your online statement is available. The email will contain a link that allows you to securely click through and sign into your account.

You can go back to paper communications at any time, free of charge. To confirm you are enrolled in paperless billing and communications, review Paperless settings on the welcome page or via the "Account" navigation in your Account Center. If your profile shows you are enrolled to be paperless, you are likely receiving a paper statement for one of the following reasons:.

If we cannot deliver email to the address on file, we will automatically resume mailing paper communication until you update your email address. To avoid a late fee, payments must be successfully submitted online by 8PM Eastern Time ET on or before your due date.

Any payments submitted after 8PM ET on your due date will be applied to your account the following day, incurring a late fee. Please note that it may take up to two business days to complete the financial transfer from your personal bank account to your credit card account.

If you believe the late fee on your account is an error, please call Customer Care. A pending payment is any payment scheduled but not yet posted to your account. When making an online payment, it may take up to two additional business days for the funds to transfer from your bank account. Your available credit will be adjusted as soon as possible for same-day or next-day payments made online. This may be done immediately, or funds may be delayed at Comenity's discretion to ensure the payment has cleared.

To manage your account while out of the country, here are a few options to make secure payments:. If you are over the age of 18 and have a U. If you believe your credit card or account information has been lost or stolen, please call customer care immediately. The phone number is on the back of your credit card, or you can access it here. If your card has been reported lost or stolen, we will not allow access to Account Center access for 24 hours while we process your new card request.

This is for your account protection. We will restore access once the request has been completed. You will be able to sign in using your existing username and password. Protecting your privacy and account security is our top priority — that's why we use the latest encryption technology. To learn more about the security measures we use to safeguard your account, visit our Resources page. Servicemembers Civil Relief Act, or SCRA, is a national law providing financial relief and protection to eligible, active-duty military personnel.

You may be eligible for SCRA benefits and protections on your Comenity credit card account s if you are:. You may request SCRA benefits within days following the end of your active duty period. You may choose whichever of the following options is most convenient for you, you may call for assistance, or you may fill out this form.

Monday-Friday 8 a. ET closed holidays. Mail Mail your written request, along with your military orders or a letter from your commanding officer, on military letterhead showing your active duty period s to this address:.