Are you getting bombarded by unwanted calls from Loft Credit Card or their collection agencies? You’re not alone. Phone harassment from creditors and debt collectors has become increasingly common—and extremely stressful. If you’ve been dealing with constant calls, voicemails, or even threats about a Loft Credit Card debt, you need to know your rights and your options.
In this detailed blog, we’ll explain what Loft Credit Card phone harassment is, how to recognize it, and what you can do to protect yourself legally and emotionally. You deserve peace of mind—and this guide will help you reclaim it.
What Is Loft Credit Card Phone Harassment?
Loft Credit Card phone harassment occurs when you receive persistent, aggressive, or deceptive phone calls related to your Loft Credit Card account—especially if these calls violate your consumer rights. Whether Loft Credit Card themselves are calling you, or a third-party collection agency on their behalf, you’re protected by U.S. federal laws against harassment.
Harassment can take many forms, including:
- Repeated calls multiple times a day
- Calls before 8 AM or after 9 PM
- Robocalls and pre-recorded messages
- Threats of arrest or lawsuits
- Talking to your family, friends, or employer about your debt
- Ignoring your request to stop calling
These actions are not only unethical—they may also be illegal under the Fair Debt Collection Practices Act (FDCPA) and Telephone Consumer Protection Act (TCPA).
Why Is Loft Credit Card Calling Me?
Loft Credit Card, which is issued by Comenity Bank, may contact you for several reasons, such as:
- A missed payment
- A past-due balance
- A defaulted account
- Identity verification or suspicious activity
- Collection attempts from third-party agencies
Even if you owe money, that doesn’t give them or their agents the right to harass or intimidate you over the phone.
Common Complaints About Loft Credit Card Phone Harassment
Many consumers have reported negative experiences with Loft Credit Card and Comenity Bank collection practices. Common complaints include:
- Daily Robocalls: Automated calls to your cellphone or landline several times a day.
- Spoofed Numbers: Calls coming from local numbers that turn out to be from debt collectors.
- Threatening Language: Callers using scare tactics, such as lawsuits or wage garnishment.
- Calls to Employers: Contacting your workplace in an attempt to pressure you.
- Failure to Verify Debt: Not providing proper documentation or debt validation when requested.
If you’ve experienced any of the above, you may have a legal case against them.
Laws That Protect You from Loft Credit Card Phone Harassment
You have strong consumer protections under U.S. law. Here are the most important acts you should know about:
1. Fair Debt Collection Practices Act (FDCPA)
This federal law prohibits debt collectors from using abusive, unfair, or deceptive practices to collect a debt. Key protections include:
- No calls before 8 AM or after 9 PM
- No threats or profanity
- No discussing your debt with third parties
- Right to request validation of the debt
2. Telephone Consumer Protection Act (TCPA)
The TCPA restricts telemarketing calls, robocalls, and the use of automated dialing systems. Violations may include:
- Robocalls without your written consent
- Text messages without your permission
- Failing to honor a “stop calling” request
3. Fair Credit Reporting Act (FCRA)
If Loft Credit Card is inaccurately reporting your debt to credit bureaus, you can dispute it under the FCRA. Harassment can be compounded by credit report damage, and you have the right to fix false information.
What You Should Do If Loft Credit Card Is Harassing You
Feeling overwhelmed? Here’s a step-by-step plan for how to deal with Loft Credit Card phone harassment:
Step 1: Document Every Call
Start keeping a log of each phone call:
- Date and time of call
- Caller’s name or company
- Phone number used
- What was said
- If it was a robocall or live person
Step 2: Request They Stop Calling (in Writing)
You have the right to tell them to stop calling. Send a written cease-and-desist letter. Once they receive it, they are legally obligated to stop contacting you—except to confirm receipt or inform you of legal action.
Step 3: Ask for Debt Validation
If you’re not sure the debt is accurate, request written validation. By law, they must provide:
- The amount of the debt
- The name of the original creditor
- Proof that you owe the debt
Step 4: Contact a Consumer Rights Attorney
If Loft Credit Card or their agents continue to harass you, speak to a consumer rights lawyer. Many offer free consultations and don’t charge unless you win a case.
Can You Sue Loft Credit Card for Harassment?
Yes, you can sue Loft Credit Card or their debt collectors if they violate the FDCPA or TCPA. Here’s what you might recover:
- $500–$1,500 per call under TCPA
- Up to $1,000 in damages under FDCPA
- Compensation for emotional distress
- Attorney’s fees and legal costs
You don’t need to suffer in silence. Lawsuits not only hold them accountable—they can also stop the harassment immediately.
Sample Cease-and-Desist Letter
Here’s an example of a letter you can send to stop Loft Credit Card from calling:
pgsql
CopyEdit
[Your Name]
[Your Address]
[City, State ZIP Code]
[Phone Number]
[Date]
Comenity Bank (Loft Credit Card)
PO Box 182273
Columbus, OH 43218
Re: Cease and Desist All Communication
Dear Sir/Madam,
I am writing to formally request that you cease all communication with me regarding account [XXXX-XXXX]. Under the Fair Debt Collection Practices Act (FDCPA), you are required to honor this request.
Please do not contact me via phone, text, email, or mail from this point forward. Any further communication may be considered a violation of the FDCPA and TCPA.
Sincerely,
[Your Name]
Send it via certified mail with return receipt so you have proof they received it.
How to File a Complaint
If Loft Credit Card continues to harass you after a cease-and-desist, file complaints with the following agencies:
- Consumer Financial Protection Bureau (CFPB) – www.consumerfinance.gov
- Federal Trade Commission (FTC) – www.ftc.gov
- Better Business Bureau (BBB) – www.bbb.org
- State Attorney General’s Office – Look up your state’s AG website
These complaints create a paper trail and increase your chances of a successful legal outcome.
FAQs About Loft Credit Card Phone Harassment
Q1: Is it legal for Loft Credit Card to call me multiple times a day?
A: No. Repeated calls—especially more than 7 times in a 7-day period—may violate the FDCPA.
Q2: Can they call my job?
A: No. Debt collectors cannot call your employer if you tell them not to.
Q3: What happens if I block their number?
A: They might try calling from different numbers. That’s why sending a cease-and-desist letter is more effective.
Q4: Can I record the phone calls?
A: Yes, but check your state’s laws. Some states require consent from all parties to record a conversation.
Q5: What if the debt isn’t mine?
A: Request debt validation. If it’s not yours, you have no obligation to pay—and they must stop contacting you.
You’re Not Alone—Help Is Available
Dealing with Loft Credit Card phone harassment can make you feel trapped, stressed, and even scared. But remember: You have rights. Whether the calls are coming from Loft themselves or a third-party agency, you don’t have to tolerate the abuse.
Reach out to a consumer rights law firm like Consumer Rights Law Firm PLLC or another reputable agency that specializes in FDCPA and TCPA cases. They can guide you through your options and help you stop the calls for good.
Final Thoughts
Phone harassment from Loft Credit Card is more than just annoying—it can be a serious violation of your rights. By understanding the laws that protect you and taking clear, documented steps, you can put an end to the calls and possibly recover damages.
If you’re experiencing Loft Credit Card phone harassment, take action today. You deserve peace, privacy, and protection.