Constant calls from 913-312-0590?
Sue the Caller!

Understanding Calls from 913-312-0590

If you're getting frequent calls from 913-312-0590, then Comenity Bank is probably calling you about an alleged debt. Headquartered in Columbus, Ohio, Comenity issues credit cards to more than 100 major U.S. retailers, including Victoria's Secret, Pottery Barn, and West Elm. In 2022, Comenity Direct rebranded itself as Bread Savings.

Reasons for Calls from Comenity Bank at 913-312-0590

Comenity Bank may be calling to:

• Collect a debt owed by you.
• Verify or confirm contact data.
• Settle a balance with your creditor.
• Inform you of a missed or overdue payment.
• Advise you of potential consequences if you do not pay a bill.
• Inform you of changes to your account or services.

Information You Need To Know About Comenity Bank

Comenity Bank is a third-party debt collection company that helps the creditor collect the debt owed by you to them. This means, according to law, Comenity Bank must follow all the codes and regulations prescribed under the FDCPA in attempting to collect your debt on behalf of the creditor.

The FDCPA specifies that they shall not do any of the following:

• Make excessive calls or calls at inconvenient times
• Use abusive, threatening, or false practices
• Lie about the amount, status, or nature of the debt.
• Threaten you with violence or other illegal actions.
• Try to collect on a debt that is already paid or discharged.
• Charge unauthorized fees or interest in amounts not allowed in the original agreement.

Dealing with Repeated Calls from 913-312-0590

If you believe these calls are unjustified or you do not owe this debt:

• Demand Debt Verification - You have every right to demand that Comenity Bank in writing that they validate the debt; this is an assurance that attestation is proved that this debt is correct, and indeed it was your responsibility.
• Keep Records - Keep a log of the date, time and message from the telephone call from 913-312-0590. It is to your best benefit in case you would prove your FDCPA rights are being or has been violated.
• Dispute or Negotiate - If you do not owe the debt, then you can write to dispute it. If you do owe it, you will want to speak with Comenity Bank about making payment arrangements so that the matter is resolved.
• Stop Harassing Calls- If the calls persist or are too frequent, a fair debt lawyer can help.

Get Help Now – Stop Calls From 913-312-0590

Take your power back and let us help preserve your rights. We can:

• Help you verify or dispute the debt.
• Stop unwanted or harassing calls.
• Secure compensation for any violations of your rights.

Contact us today for your free consultation-and pay nothing unless we win!