If you’ve got a Loft Credit Card, you probably signed up for it to save on your favorite fashion buys. But now, instead of discounts, you’re dealing with constant phone calls—and they’re stressing you out. Whether it’s Comenity Bank directly or a debt collection agency acting on their behalf, the repeated phone calls, voicemails, and robotic messages can feel relentless.
Let’s get one thing clear: You do not have to tolerate phone harassment—even if you owe a debt.
In this article, we’ll break down what Loft Credit Card phone harassment looks like, why it happens, what your legal rights are, and most importantly, how to make it stop.
What Is Loft Credit Card?
Before we go further, let’s understand who we’re dealing with.
The Loft Credit Card is a store card offered by Ann Taylor LOFT, a women’s clothing retailer. The card is managed by Comenity Bank, a company that issues store credit cards for dozens of major brands.
Comenity Bank has a history of aggressive debt collection practices, and when you fall behind on payments—even by just a few days—they may start calling. In some cases, they assign or sell the debt to third-party collection agencies. These calls can quickly become intrusive and borderline harassing.
What Does Phone Harassment Look Like?
Not every call from a creditor is harassment. However, if the calls cross the line into any of the following behaviors, you’re likely a victim of phone harassment:
- You’re receiving multiple calls per day, every day.
- The caller uses an automated voice or robocall system.
- You’re getting calls at inappropriate hours, like before 8 AM or after 9 PM.
- The collector is rude, threatening, or intimidating.
- They call your friends, family, or employer about your debt.
- You’ve told them to stop calling, but they continue anyway.
- They refuse to provide written verification of the debt.
Any of these can violate consumer protection laws—especially if a third-party debt collection agency is involved.
Why Are They Calling?
Debt collectors working on behalf of Loft Credit Card or Comenity Bank typically call for the following reasons:
- Missed payments or overdue accounts
- Attempts to collect defaulted debt
- Wrong number or mistaken identity
- Automated payment reminders
- Aggressive tactics meant to pressure you into paying quickly
Even if you legitimately owe money, that doesn’t give them the right to harass or intimidate you.
Is This Legal?
Great question. And here’s the good news: In most cases, no—it’s not legal.
There are federal laws designed specifically to protect you from these kinds of aggressive phone tactics. Here are the three most important ones:
1. Fair Debt Collection Practices Act (FDCPA)
This law protects consumers from harassment and abuse by third-party debt collectors. Under the FDCPA, collectors cannot:
- Call you repeatedly or at odd hours
- Threaten legal action they don’t intend to take
- Use abusive language or profanities
- Call you after you’ve requested they stop
- Misrepresent the amount or nature of your debt
Violations of the FDCPA can result in legal damages of up to $1,000, plus legal fees.
2. Telephone Consumer Protection Act (TCPA)
This act restricts automated calls, robocalls, and text messages to your cell phone or landline without permission. If a company uses an automatic dialer to reach you without your consent, they may owe you:
- $500 to $1,500 per illegal call
Yes, per call.
3. Fair Credit Reporting Act (FCRA)
If Loft Credit Card or their agents report incorrect or unverified information to the credit bureaus, they may be in violation of the FCRA. You have the right to dispute inaccuracies and force them to correct or remove false entries.
Real-Life Examples of Loft Credit Card Harassment
Here are just a few examples of complaints shared by consumers who dealt with harassment from Loft Credit Card or Comenity Bank:
“They called me five times in one day. I told them I couldn’t pay right now, and they said they would ‘keep calling until I did.’ I felt trapped.”
“I kept getting robocalls to my work number. I never gave them permission to call me there.”
“Even after I sent a written letter asking them to stop, they kept calling me from different numbers.”
If this sounds like your experience, you are not alone—and you may have a valid legal case.
How to Take Back Control
Here are six things you can do today to fight back against Loft Credit Card phone harassment:
1. Start a Call Log
Every time you get a call, record the following:
- Date and time
- Caller’s name or phone number
- What they said
- Whether it was a robocall
- Whether you asked them to stop
This documentation is powerful if you decide to take legal action.
2. Send a Cease-and-Desist Letter
If you’re being contacted by a third-party debt collector, you have the legal right to demand they stop. Send them a certified letter stating:
“Under the FDCPA, I request that you cease all contact with me regarding any alleged debt.”
Keep a copy for your records and request delivery confirmation.
3. Request Written Validation of the Debt
Within 30 days of their first contact, you can demand they prove you owe the debt. They must respond with:
- The amount owed
- The name of the creditor
- Proof that you’re legally responsible
If they can’t provide this, they must stop collecting.
4. File a Complaint with Regulatory Agencies
You can file complaints with:
- Consumer Financial Protection Bureau (CFPB)
www.consumerfinance.gov/complaint - Federal Trade Commission (FTC)
reportfraud.ftc.gov - Better Business Bureau (BBB)
www.bbb.org - Your state Attorney General’s office
These complaints trigger investigations and add pressure on companies to change their behavior.
5. Block the Numbers—But Don’t Stop There
Blocking the number may offer short-term peace, but it’s not a permanent solution. Collectors often rotate numbers or spoof local area codes to get around blocks.
Your best option is legal enforcement through the FDCPA and TCPA.
6. Contact a Consumer Protection Attorney
Firms like Consumer Rights Law Firm PLLC specialize in fighting back against phone harassment and illegal collection practices. A good attorney can:
- Help you sue for damages
- Stop the calls immediately
- Negotiate or settle the debt
- Guide you through credit repair
Most consumer law firms offer free consultations and only get paid if you win.
Sample Cease-and-Desist Letter
Here’s a simple template you can use:
css
CopyEdit
[Your Full Name]
[Your Address]
[City, State, Zip Code]
[Date]
To Whom It May Concern,
I am writing to request that you immediately cease all forms of communication with me, including by phone, mail, or text message. Under the Fair Debt Collection Practices Act (FDCPA), I have the right to make this request.
Failure to comply will result in a formal complaint being filed with the Federal Trade Commission and other appropriate agencies.
Sincerely,
[Your Name]
Mail it certified and keep a copy.
FAQs About Loft Credit Card Harassment
Q: I don’t owe this debt. Why are they calling me?
A: You may be a victim of mistaken identity or identity theft. Demand verification and dispute the debt in writing.
Q: Can they really call me at work?
A: Only if you haven’t told them not to. Once you say your employer doesn’t allow these calls, they must stop.
Q: How do I prove I’ve been harassed?
A: Keep a log, save voicemails, record calls (where legal), and keep all written communication.
Q: Can I sue even if I owe the debt?
A: Yes. The law protects you from harassment, regardless of whether the debt is valid.
Q: How much can I win in a lawsuit?
A: You may be eligible for $500–$1,500 per illegal robocall, plus up to $1,000 under the FDCPA and actual damages for emotional distress.
Final Words: You Deserve Respect and Peace
Debt collection doesn’t give companies like Comenity Bank the right to disrupt your life, damage your mental health, or break the law. You are not powerless. You have the right to protect yourself, stop the calls, and hold them accountable.
If Loft Credit Card harassment is ruining your day, week, or month—it’s time to end it. Don’t wait for the next call. Fight back now and reclaim your phone and your peace of mind.