Try calling the customer service phone number on your bill.
Comenity Bank covers a multitude of credit cards. Chances are the number you are calling is a back line to the collections department and won't connect you to anyone.
They are trying to call you about a past due on your credit card.
They do this when the payment isn't received by the due date.
I've accidentally completely forgotten to make a payment a few times and by just calling them back and making a minimum payment I was able to get them to reverse the late payment fee.
Big A,
It was never my intention of posting misinformation. THANK YOU for the correction! It is so nice to know where to get the RIGHT information.
My personal experience was the only thing I was posting from. That's exactly why I said that these were my experiences, and that the posting only contained a small bit of the law.
You sound very knowledgeable. I appreciate your information.
In my case, repossessing the car wasn't an option because the car had so many problems. It had a bad head gasket (would have been $1300 to fix at the time), the car's value was far less than I owed (i had bought it for much more than I should have because I was desperate and had deservedly bad credit), and I was honest when talking to the repossession tow truck driver. He had called the bank and asked if THEY wanted the car towed knowing it really wasn't worth ANYTHING. If I had just kept my mouth shut they WOULD have towed it away and it wouldn't have been a lawn ornament for the next several years.
I didn't even mention that the gas tank was rusting on the top. I didn't know it until after the repo man came.
I was living in upstate New York at that time.
THANK YOU. I am not being snide. I REALLY DO appreciate being educated. ESPECIALLY when I am WRONG.
Most people here have identified several numbers associated with Comenity Bank.
The most helpful information here is posted by Big A.
He seems pretty knowledgeable about Debt collection practices and knows just where to find the information you may need.
He posted this information:
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
http://www.cardreport.com/laws/fdcpa/ftc-opinion/wollman.html
https://www.ftc.gov/enforcement/rules/rulemak ... ctices-act-text
Thank you BigA!!!!!!!!! EDUCATION ROCKS!!!!!!!!
:D
....you're the one who's an obnoxious, irresponsible jerk expecting people to pay bills they have either paid, don't owe to begin with or do owe - but not to the caller!