If you’re receiving persistent or threatening phone calls from Big Lots or Comenity Bank, you may be experiencing debt collection harassment. While debt collectors have the legal right to collect unpaid debts, they must do so within the boundaries set by federal and state laws. Understanding your rights is crucial to stop harassment, protect your financial security, and regain peace of mind. Who Is Big Lots? Big Lots, headquartered in Columbus, Ohio, is a major American retail company operating over 1,400 stores across 47 states. The company offers a store-branded credit card managed by Comenity Bank, which is used for purchases at Big Lots stores and online. If you have a Big Lots credit card and miss payments, you may find yourself on the receiving end of collection calls from Comenity Bank or affiliated collection agencies. Legal Protections Under the FDCPA and TCPA The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) protect consumers from abusive debt collection practices. Under these laws, debt collectors such as Big Lots and Comenity Bank are prohibited from: Harassment or threats: Repeatedly calling, using offensive language, or making false legal threats. Misrepresentation: Falsely representing the debt amount or claiming authority they do not have. Ignoring cease-and-desist requests: Continuing to contact you after a written request to stop. Unfair practices: Engaging in actions intended to intimidate or manipulate a consumer. Violations of these laws allow consumers to take legal action and seek damages for any harm caused. Common Complaints Against Big Lots and Comenity Bank Consumers have reported various issues with Big Lots and Comenity Bank, including: Persistent and harassing phone calls that disrupt daily life. Failure to provide debt validation when requested. Attempting to collect debts that are disputed, inaccurate, or already resolved. Documenting all communications, including dates, times, phone numbers, and the content of conversations, is crucial if you need to take legal action. Steps to Protect Yourself 1. Keep Detailed Records Document every call, email, or letter from Big Lots or Comenity Bank. Detailed records are essential to prove harassment or FDCPA violations in a legal setting. 2. Request Debt Validation You have the right to request written validation of any debt under the FDCPA. Big Lots or Comenity Bank must provide this within five days of initial contact. Validation ensures you are being asked to pay only legitimate debts. 3. Send a Cease-and-Desist Letter If phone calls become excessive, a written request can require Big Lots or Comenity Bank to stop contacting you. Once received, they may only contact you to confirm the request or notify you of legal action. 4. Consult a Consumer Protection Attorney A qualified attorney can explain your rights, negotiate with Big Lots or Comenity Bank, and file claims if the company violates federal or state debt collection laws. Legal Recourse and Compensation If Big Lots or Comenity Bank violates the FDCPA or TCPA, you may be entitled to: Statutory damages: Up to $1,000 per violation. Actual damages: Compensation for stress, anxiety, or financial harm caused by illegal collection practices. Attorney’s fees: Often awarded to plaintiffs, making legal action more accessible. Taking legal action ensures debt collectors follow the law and discourages abusive practices. Reporting Violations Illegal or abusive practices by debt collectors can be reported to: Consumer Financial Protection Bureau (CFPB): Submit a complaint Federal Trade Commission (FTC): Report fraud or scams State Attorney General’s Office: Find your state’s contact information Filing complaints creates a record of the violation and protects your rights if further legal action is necessary. Take Action Today You do not have to tolerate harassment from Big Lots Debt Collection Harassment . By documenting communications, requesting debt validation, and seeking professional guidance, you can stop unwanted calls, enforce your rights under the FDCPA and TCPA, and protect your financial security. Taking proactive steps ensures peace of mind and prevents debt collectors from violating your rights. Knowledge of your rights is the first step to stopping harassment and reclaiming control over your finances.