Woman Sues Kohl’s Over Harassment for $20 Credit Card Bill

June 26, 2014, Written By Lynn Oldshue
LOS ANGELES - MAY 16:  Kohl's Exterior  at the American Idol's "

A Michigan woman is suing Kohl’s after receiving a number of harassing phone calls from the company over an overdue $20 credit card bill.

Lisa Ratliff says that she chose not to pay the bill, incurred last November, after receiving a number of incessant and illegal debt collection calls late at night and early in the morning.

The bill in question went from $20 to $100 after late fees and interest, and it appears the debt is legitimate. Ratliff is refusing to pay the bill because of the way the Kohl’s customer service department handled the situation. She believes the company broke the law. Her attorneys claim Kohl’s violated the Telephone Consumer Protection Act, which forbids companies from calling cell phones using automatic dialing or a prerecorded voice without consent from the recipient.

It is unclear if the calls Ratliff received were from Kohl’s or a third-party debt collector pursuing the debt for the company. If the calls came from a debt collector, the company could face even more charges due to unlawful activity. Under the Fair Debt Collection Practices Act, debt collectors cannot place phone calls before 8 AM or after 9 PM without the consumer’s agreement. The calls to Ratliff could have violated those terms.

Regardless of the outcome of the case, the pending debt could have a negative impact on Ratliff’s credit score. She may be drawing attention to poor customer service practices at Kohl’s and banking on a legal payout, but she may suffer repercussions due to a drop in her credit score from not paying her bill.



The information contained within this article was accurate as of June 26, 2014. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.