Constant calls from 720-456-3709?
Sue the Caller!

Who's Behind the Number 720-456-3709? It Might Be Comenity Bank

Repeated calls from 720-456-3709 may trace back to Comenity Bank. Although the FDCPA doesn't apply to creditors collecting their own debts, state-level protections still apply.

Your Rights Under State Collection Laws

Different states have different rules. Here are some laws that could limit how Comenity Bank may contact you:

• California: Creditors can't make false threats or contact unauthorized third parties.
• Florida: You can stop collection calls by submitting a written request.
• Massachusetts: Personal numbers can receive no more than two calls per week.
• Michigan: Calls must occur between 8 a.m. and 9 p.m. and not reach your job if you object.
• Pennsylvania: Collectors may not call repeatedly about the same debt or mislead you.
• Texas: Calls outside legal hours or to restricted workplaces violate state law.

Steps You Can Take If 720-456-3709 Calls Don't Stop

Here's how to respond if Comenity Bank keeps calling:

• Request written proof of the debt to confirm its validity.
• Document every call, including when it happened and what was said.
• Report issues to your state's consumer protection agency if necessary.
• Talk to a consumer attorney if the communication feels excessive or aggressive.

Call Lemberg Law for a Free Consultation

If you believe that calls from 720-456-3709 are pushing boundaries, Lemberg Law is here to help. We offer free consultations, and you won't pay unless we win. Don't let unwanted contact take over your day-reach out today.