Alliance Data Systems Corporation (Alliance) offers a number of credit cards, including cards for retail brands like Victoria’s Secret. The credit programs for clients are managed by two banks under the Comenity name.
Alliance can call consumers when there are past due debts that have not been paid. However, this does not automatically render a consumer eligible for harassment and embarrassment by the bank. When the calls result in consumers feeling anxious, worried and traumatized, it can be termed debt harassment and needs to be stopped.
Debt collection harassment can take several shapes, regardless of whether it is from Alliance Data Systems Corporation or another entity.
What is debt collection harassment ?
You’re in the middle of feeding your toddler. Your phone starts ringing and you decide to ignore the call and continue with the feeding anyway because your toddler will slip away and not return to eat. However, the calls continue. You wonder if it is something terribly urgent and stop midway to rush to pick up the call. Even as your toddler slips away you realize there is a recorded message playing on the phone related to collection of past dues.
This is not an isolated instance. Robocalls or calls made using automated dialers are a common cause of nuisance. Debt collection in this manner can also quickly turn into a stressful and traumatic experience for consumers. To protect consumers from harassment, the Telephone Consumer Protection Act of 1991 (TCPA) has provided guidelines to debt collection entities. These include:
Harassment from Alliance Data Systems Corporation
Look at the following checklist. If any of the practices listed matches with what you, or someone you know, are facing, you are undergoing harassment.
- Getting calls after 9 pm and before 8 am
- The caller does not identify himself or herself. They do not talk about the purpose of the call or reveal on whose behalf the call is being made
- Getting calls from automated dialers or robocallers
- Getting fax communication or advertising material over fax
- Receiving any news of an overdue debt or loan from someone else who was communicated the details by someone from Alliance
- Getting incessant calls even though your number is registered on the national Do Not Call registry
What can you do to stop these calls?
TCPA has been put into place to protect consumers from the harassment and annoyance that can result from misuse of telephone communication. One of the ways to stop harassment from Alliance Data Systems Corporation would be to report them.
Contact a TCPA professional who can help you understand your rights and how to approach a solution. Under the TCPA, you can get monetary compensation of up to $500 per violation. In the case of willful harassment, you can sue for three times the monetary compensation, adding up to $1500 per violation.
Start keeping a record of the calls you receive. Talk to a legal professional about the situation and the options available to you. This will help you in a number of ways:
- Helping you deal with the harassment in an informed manner
- Addressing the issue, including determining whether the calls are a willful violation or not
- Applying legal recourse available to your case
Facing harassment? Take steps to end it. Stop the Alliance Data Systems Corporation calls immediately.
Read on some accounts of harassment faced by consumers:
“… I called back it’s Alliance Data. I’m not sure why they’re calling as it’s a new phone number. I think it’s a wrong number. However, I called after hours and not sure which department to talk to …” – Scott
“… They claim to be a collection agency for credit card companies. They are a scam … don’t give any personal info … and help by spreading the word …” – jd
“… In 2012 a clown from their harassment department made the last threat I was going to tolerate when he said they would keep calling me as long as they wanted. He did not care who the number was for …” – Bob
Pay attention to the numbers identified. Are these calls coming from these numbers: 6147293000 , 913-577-5000? They belong to Alliance and Comenity Banks.
If you are facing constant calls from these numbers, are receiving threats or they refuse to honor your requests to end contact, call a lawyer so you can start on the necessary steps to end the harassment.
Or simply call us and we will help you. We have helped innumerable consumers gain freedom from harassment while also ensuring they get compensated for it.
Legal Rights Advocates, PLLC is a law firm that helps clients who are facing harassment from debt collectors in any form, including telephone communication. Our team of attorneys, over the years, has helped countless clients get protections from debt collection practices that are deemed as unlawful and illegal under the TCPA.
If you are interested in learning more about how to safeguard yourself from harassment by Alliance Data Systems Corporation or by representatives of Comenity Bank, call us at (855) 254-7841 for immediate assistance.