I called to see what it was all about, the lady that answered the phone redirected me to someone claiming they were a paralegal when I gave them the case/reference number.. Further information is available in our FICO Data Privacy Policy. I had purchased the illness protection insurance through Providian. Learn more. More Credit score Credit Debt Ask a lawyer - it's free! Providian National Bank review: fraudulent collection practices. Author: Medina, Ohio. Just paid something something off to a debt collector (NCO Financial) and all of a sudden this Providian shows back up on my credit report and guess who the debt collector is !!!!!!!!! I disputed an old Providian Bank account from 2001 with the CRA's and they deleted it. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$ 6.5 billion in October 2005. Please try again later. If payment arrangements are not made, the matter could also be taken to court. Im not a fan of making the first offer.. Attached is a complaint filed against Providian bank with the FTC. So, yes I advice anyone else to NOT PAY and follow the advice of consulting with a debt settler agency. Services that help with debt settlements include debt attorneys or debt settlement companies. When you look up a debtor on the internetand the first five or so sites have rip-off in the address, I felt like I should ask questions before being duped. On this page, you'll find a comprehensive collection of reviews and complaints from real customers who have used Providian Bank's products or services. Editorial Note: We earn a commission from partner links on Forbes Advisor. All rights reserved. I got a letter from ARA Inc saying I owe Providian bank, who I have never heard of. I'm glad I was on the phone with my elderly mom as this is unacceptable. They want me to settle and I don't have money to pay and I have never had an account with this bank. I just got off the phone with a collection company that is attempting to collect the balance of a settlement agreement I made with Providian National Bank over SEVEN YEARS ago! There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. Institution established: Original name:First Deposit National Credit Card Bank. I am being garnish from Providian Bank. U.S. and 30 countries. This is over 22 years ago. Every # that I find for Providian & I call is disconnected. I have no contacted a lawyer to find out what's going on and what legal recourse I have. Share your photos and videos with others to prove the truth of your words. Collection Agency's: Providian National Bank First Resolution Management Corp Seattle, Washington. my husband got a thing in mail that states owes $924.89 on a credit card the mans been dead over 2 years and the credit cards we did have we files in1992 bankrupsy so that did it nopw they say we owe? I rec'd 2 letters today from a lawyers office with a "city marshall" heading. " They are now trying to take $1737.96 from my check I told him for what ? 60 reviews Licensed for 31 years Avvo Rating: 9.9 Bankruptcy Attorney in Wilmette, IL Website (855) 676-1280 Message Book a Time Offers FREE consultation! this is very weird that they sent me the letter with an old address i use to live at with the wrong Social Security number. Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. I was going to reach out them once I got some imput on from everyone here. The debt they say occured in 2007. Due to a recent promotion, I should now be referred to as. *** never had an account with them havent had a credit card with ********** all of this and they proceeded to ask me if I was willing to do their settlements to which I said no this is not my account Im not paying for anything and he said OK within 3 to 5 days you will be receiving paperwork that will have a court date issued on it for you to appear and state your claim never had a card with this company will not be paying will be fighting this, even if I have to hire an attorney. help me understand.and what about statute of limitations. They listed that the debt is owed to your from 2005. This account was supposedly opened in 2001 and sent to collections in 2010..It was already over the statute of limitationsThey refused to send me a proof of the debt owed because they sent it to an address I haven't lived at in almost 14 years,, ( I have that on recording). For more than 15 years we have helped nearly 50000 customers resolve their issues and will never stop striving to ensure further improvements on our platform for a better communication between companies and customers. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. I am a former employee. The trick is charging a lot, repeatedly, for small doses of instrumental [sic]credit." FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. This often comes in the form of a "business record affidavit." See details. As far as I know I paid off all of my CC debt. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. We will get you. What am I prepared to discuss on the phone?. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. Sometimes, debt gets shuffled from one collector to another. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. number and talked with a woman that claims I owed a credit card debt from 2017 for our Non-profit organization. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! Providian was supposed to be sold to WaMu which is now Chase. My husband and I just got our account frozen by a lawyer stating we owe a debt of $6565 to PROVIDIAN NATIONAL BANK from 1999! Just a recorded message when I answered with a reference number and number to call. I received nothing in the mail or otherwise stating that this would happen. This will surely increase the credibility of your complaint. Account closed, zero balance due. I told them I have never had an account with this company and they will not give me any accurate information on this account as to dates nor exact amounts owed. If you are in debt to a lender like Providian Bank, your account may be sent to a collection agency. This is important, because debt collectors often try to collect on debts even when they do not have a legal right to do so, such as when the statute of limitations has expired. 10 yrs online! Keep in mind that debt falls under a statute of limitations in each state. when we moved to Kentucky his mother was living with us they tryed to collect from us told them that she was in a old folks home gave then the address and phone number and have not heard from them in several years its not ours they said he was on the card to and asked them to send us the form where it had his name on it but never got it so they are crap out of luck. Nationwide *Author of original report: PS.because I forgot to mention it! When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. The annual percentage rates (APR) charged by Providian were as high as 29.9 percent. Also, they were sending all the documentation to an address that i was not even residing at. So they mailed me a letter asking me to make payment arrangements . You will pay, do you hear me! According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. I finally called Chase bank (who bought Providian) and nicely explained to them my situation. *Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. But consumers have options and rights when going through the process. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. I told them I never heard of them. If this is valid please send info. thank u. my close friend had a providian card back in the late 90's LATE 90'S AMERICAN PPL CAN YOU HEAR ME? Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. The collection agency would give me no information other than the name of the company they were working for. It was paid off in ****. Acquired Providian Bank ( 34166) in SALT LAKE CITY, UT. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. So now I have to go to court and answer their complaint and show up at a hearing on 12, 13/17 taking 2 days off of work. WHy can these guys get away with this. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. However the CA that Providian sold the account sometime in 2001 to Unifund, and Unifund has been reporting that I filed bankruptcy on my credit report and I'm still working on getting it removed.I've been working on it since Jan 07. Youll likely be informed via a letter in the mail, or a collector will start calling you. I recommend you get your situation checked out for free by a Consumer Protection Attorney soon! I spoke with a rude dude in a heated argument before getting the hang up with him forwarding a letter from Douglas And Associates being of Los Angeles CA.. I witnessed the fraud occurring first hand. Those lawsuits are not brought by Providian, which does not exist any longer; instead these credit card lawsuits are typically brought by debt collectors (for example, Arrow Financial) who have purchased the debt from Providian, or its successors: Washington Mutual (WaMu) Bank or J.P. Morgan Chase. Perhaps I should start sending out invoices for the time it takes me to deal these types of issues, my time is valuable as well.. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. This is absolutely absurd and I'm livid. Starting Score: EQ 495 Current Score: EQ 694 4/10 Goal Score: 760 + 12/10 Take the FICO Fitness Challenge Message 1 of 11 0 Kudos All forum topics Previous Topic Next Topic This review was chosen algorithmically as the most valued customer feedback. This is threatening our livelihood and my husband's health and reputation. Cheryl lindsey. The sent to address I have not lived for over 12 years. I looked up the bank and called the numbers and they were not work. If you receive "verification of debt" or "copy of judgment" go to I'm now being threatened with court, liens, bank account, etc . Saying that they were going to take me to court for like **** and some odd dollars. Someone paidtheir own money, out of pocketin the past to cover your prior debt. I also have never seen this on my credit nor have I seen any collection letters or calls for this. We need a class action lawsuit. The case was initiated by the U.S. Office of the Comptroller of the Currency (OCC) and the San Francisco District Attorneys Office. They are saying I owe $26, 365 but would accept $8, 081. to settle . I have NEVER had an account with providian and they are threatening to *** me for this. threatening phone calls from MGM & Associates / MGM Investigations & Collections for past month. How can I tell them I cannot afford to pay off 5,569.00. balance was original 2100.00. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. They guy was sooo rude & said that he advises me to get a lawyer. MERRY CHRISTMAS EVERYONE ELSE AND IF YOU ARE IN THIS SAME SITUATION PRAY ABOUT IT AND COLLECT AS MUCH INFO AS YOU CAN ABOUT THESE PPL AND IF YOU CAN AFFORD IT GET A LAWYER! I sent them a reply requesting disclosure of this debt well over 6 months ago! HELP! http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf Even if you pay it, it will stay on showing paid but it will still be there. Performance information may have changed since the time of publication. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. 2003-12-31. This is false accusations, code violations and harassment. her balance was 600 dollars and providian who ever they are IS TELLING HER SHE NOW OWES THEM 9, 000 DOLLARS AND IS now garnishing her wages without any contact to her NO CERTIFIED COURT ORDERS NO STATEMENTS NOT NOTHING! they almost put her back into the hospital.the dumb btch on the phone kept threatining to take her 800 dollar disability check! All of my credit card debits were paid in full back in [protected]..I was fed up with the high interest rates, late fees (when you are not late) and charges that I never made and disputed..only to be charged finance charges and late fees for the ones that were in dispute. I think this bank went out of business years ago, or sold out to somebody else, I also just received a call from Portfolio Recovery Associates demanding payment on a supposed account I had with Providian back in 2001, I told the lady to go to hell since I never owed that money and even if I did, it's been over 11 years, The statute of limitations ran out on that debt almost 4 years ago. (write the answer twice with an "@" between the words). Get it notarized and send it to Providian and any other creditor listed on the collection letter. I've requested my records and they won't give them to me, which is illegal. o6, thank you for the link, I found thatone too. ASK a legal question; POST an issue. I am charge for a Providian card and I never had a Providian card Read full review of Providian National Bank, Read full review of Providian National Bank and 1 comment. For more than 15 years we have helped nearly 50000 customers resolve their issues and will never stop striving to ensure further improvements on our platform for a better communication between companies and customers. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. This comment was posted by a verified customer. I have paideverythingelse off my creditand will pay this if needed. When I explained I paid that off over 20 years ago and that he was in violation of a few fair business codes, he got nasty and started cussing at me. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. There are risks with ignoring a debt in collections, like completely destroying your credit score and getting sued by the collector. Can someone tell me who and what this company is? http://settlementscams.com/debtcollector.pdf. Threatening to put a lein on my property. P.S. While on the phone with a collector, Tayne recommends taking notes throughout the conversation and detailing important information like who you are speaking to, the current balance and rate of interest. I need to know how to stop this, I have a disabled wife and kids to take care of and bills have to be paid. BBB is here to help. They are sending someone to serve me with papers to appear in court. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$6.5 billion in October 2005. After you receive the collection letter, send the collection letter back to Providian with a letter requesting a "verification of debt" or "copy of judgment". If a debt in collections goes away from your credit report in seven years, does this mean you shouldnt repay it? I receive a notice from a collection agency that I owe Providian National bank $2222.11. That means that at the end of seven years, no matter how many times the debt was resold and re-reported, its likely the debt will be deleted from a credit report. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. They also left me the name of an attorney, phone number and a reference/case number. They had all my correct info but refused to send me a copy of the original paperwork of when I got this credit card in 1998. They are taking legit actions to collect a legit debt. Well guide you through the process. Are you sure you want to rest your choices? A female operator provided a case number and phone number of ************. I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. Also known as PROVIDIAN NATIONAL .A collection agency has sent me a letter stating I owe them for a credit card I never even had.From an address I never even lived at on 9/04/2009. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? I have read many of the complaints and urge you to go to the FTC site or your states Fair Debt Collection section and know your rights. This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. 1998-01-01. Some collectors refuse to work with the latter, but are obligated to work with an attorney. If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. I did not agree to any amount as this is not my debt. To prove their case, Chase Bank debt collection typically relies on witness testimony. I just received a letter from a collection agency saying I owed 10, 101.34. I do not owe anything. They couldn't / wouldn't provide me with any documentation or validation of debt. Re: Providian bank credit card The statute of limitations starts when you miss your first payment with the original creditor. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. The scariest part is this person had all my personal information but was using my maiden name which I haven't used in over 20 years. Funny thing is it has never been on my credit report as I never had a credit card until 2007. Instead of immediately calling to try and resolve the issue, she recommends consumers take a moment to evaluate the situation and the path of resolution they want to go on. what is going on need help please. Seems as if anyone can send you a bill claiming you are indebted to them . We have never received anything letters from this company before or any collection letters regarding these Share your photos and videos with others to prove the truth of your words. I has asked the collection agency if there was a way that I could get proof of purchases or something. They claim I owe them $3000. After evaluating the debt and coming up with a plan, its time to contact the collections agency. Now your phone rings multiple times a day from numbers you dont recognize. Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. I do not have knowledge of this account. Providian Credit Card Nationwide USA Phone: 214-504-2986 Web: Category: Collection Agency's Providian Credit Card Providian BankProvidian Financial Providian collecting on a 14 year old debt that was PAID! Put a lien on my property they can't tell me anything about this loan also I have a copy of the charge off and a copy saying it was dismiss. They say I owe them $32, 726. These letters are very stressful and annoying. I do not have or ever had a credit card. Re: HELP! You seem to acknowldege the debt. 10695 Coyote run I called the number on the bill, and they gave me about 20 different number and kept telling me other people were handling the debt. Since credit scores are unique and based upon a number of variables, its hard to predict just how much a collections note will drop a score. Not only is that illegal, the debt has expired, so it is no longer legally collectible to boot! ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. Having an account sent to collections can be stressful. We need a class action lawsuit. C. Ray. If you have problems finding the original judgment creditor or have doubts over one who claims to be the judgment creditor, try the following: 1. and told me that this was from the 1990 . I had a credit card with this company in ****. You cannot get away from us. http://www.palisadescollections.com/ Started to receive calls from ******************************************* stating that I had a Providian credit card that I opened in **** and paid on it for 18 years and then went into default in 2018. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. I am far from unreasonable, and I pay what I owe, if I owe. How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. Commissions do not affect our editors' opinions or evaluations. The complaint has been investigated and resolved to the customers satisfaction. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. Note that complaint text that is displayed might not represent all complaints filed with BBB. If a debt collector tried to sue you after this time period has expired, you can raise the SOL as a defense against the lawsuit. Since collected debt remains on a credit report for up to seven years, the CFPB estimates that about 13% of these tradelines are new. Payment history is the largest contributing factor to your FICO score. Another letter I received from a different collection agency working for them demanded I open a credit card account with them and the balance would immediately show on that credit card and I could make monthly payments to them at an interest rate of 29.99% interest unitl it was paid off and they they would extend me a 'revolving' line of credit. I called the law firm and asked them to pleas investigate this matter and get back to me. This is a reality for millions of Americans. How Debt Collection Scams Work. [1][2] When Providian's insurance operations were acquired by Aegon, Providian's credit card business was spun off as a separate company.[3]. She began shouting, said, 'Oh, here we go, another f******* deadbeat. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. If u have any suggestions. Providian National Bank and its parent company, Providian Financial, were accused of deceiving and unfairly charging its customers since June 1995. . We promise not to send you any unrelated messages, Click here if youd like to unsubscribe from notifications about new complaints of Providian National Bank. 2023 Forbes Media LLC. Those lawsuits are not brought by Providian, which does not exist any longer; instead these credit card lawsuits are typically brought by debt collectors (for example, Arrow Financial) who have purchased the debt from Providian, or its successors: Washington Mutual (WaMu) Bank or J.P. Morgan Chase. These agencies then take responsibility for collecting the debt on behalf of the original company; or, sometimes, the agency buys the debt and then collects it on behalf of itself. I really dont see any ripoff. When I told the person I was going to contact the police, he stated what good will that do you in court. Email me to discuss your options in dealing with them. The proposal is described as an overhaul by industry experts with many different changes. Finallt i spoke to someone who told me the debt was from 2000 and they would kindly settle for $2500 and i flipped out because this wasnt my debt! She called me a 'b***h' and I hung up. 2. We will see if this corporation as people ### stands up. They searched my social, name, and address. In May 2019, CFPB Director Kathy Kraningerannounced a proposalto change certain restrictions under the FDCPA, ranging from how collectors can contact consumers, when and how many times. It does not start when the account was placed for collection. Washington Mutual, Inc., continued to run the company as a wholly owned subsidiary, out of its San Francisco headquarters. Additionally, if you had a credit card through Providian, it could have a had a different name on the credit card, but your paperwork would have said that the card was serviced through Providian. It will fall off in 7 more months and then it cannot hurt him. I discovered in 2003 that someone had opened up a Providian Credit Card account in my name, actualy my identity was stolen when a car was stolen in 1998-99 it took me several years to discover it. I have several that will help. This means a collector cannot sue you for a debt that is older than a certain number of years, which the CFPB says ranges from three to six years, depending on the state. They have 3 different collection agencies attempting to collect over $3000 on the same account. I told the guy I have no idea what credit card hes talking about . Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. 46038 Providian National Bank Customer Support Lowest Rating. Plus, the Statute of Limitations has passed. Previously entered content was automatically saved. All Rights Reserved. Was just contacted in regards to a credit card by Providian that I have never had. On 02/05/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against MARK N KITAOKA. Ive called several different numbers for providian and no one seems to know what Im talking about. I have a few things on my side: Statute of limitations (NYS 6yrs.) BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. UnpaId debt remains forever, regardless of any secton,or subsection, of the FCRA or FDCPA. Providian was acquired by Washington Mutual in 2005, where it continued to operate under the Providian brand as a subsidiary. Changed organization type to CREDIT CARD BANK: 1998-01-01: Changed name to Providian National Bank: 1998-01-01: Acquired Providian National Bank in CONCORD, NH: 2003-12-31: Acquired Providian Bank in SALT LAKE CITY, UT: 2005-10-01: Merged into and subsequently operated as part of Washington Mutual Bank (32633) in HENDERSON, NV: 2006-03-01 . Johndowning01@gmail.com Many critics contended that the extended credit makes the borrower poorer than before the credit was extended. They have a website that list a single email address, but no physical address or phone number. I recently got a letter demanding my bank account information and they state once I provide the information they will take 1 of 3 actions: 1: A one time payment of 870.70 2: My account will be debited 3 consecutive monthly payments equivalant to $1741.73 3: Take monthly payments from my account that 'I' find affordable until the account is paid in full. I used to love this country how could anybody these days! Today I got a call that I owed $2000.00 from providian credit card. In some forum areas, you may have to register (sign up) before you can post. Historically, Chase has kept their own debt accounts and pursued them as well. The act protects consumers from abusive, deceptive and unfair debt collection practices such as limiting debt collection calls before evening hours, not allowing incessant calling or communication via postcard and prohibiting the use of violence or intimidating language from the debt collector. Do you have your official credit reports from the CRAs? can i sue for scaring me to death. I, personally, choose to "clear" my debt by paying debt owed, not by wrangling about FCRA and FDCPA avoidance of non-payment implicatons. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. these providian [censored] are trying to go after my sick mother! Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Contact the judgment creditor's attorney as listed in the court files; or. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. In any case, the scammer will use all sorts of techniques to get you to . Email me if u know . wouldn't give us any info, and wouldn't listen . They addressed me by my maiden name which I havent been since 2012. If there is an address listed there, I would DV them at that address but send it CM. I received a call from ************** saying I owe money to Providian National Bank. Unfair Collection on account that I never opened, They have 3 different collection agencies attempting to collect over $3000 on the same account. Providian provided credit cards primarily to the lowest income groups in the U.S. at high interest rates. I have free, top notch attorneys for as long as needed. KNOW YOUR RIGHTS and stand up to these jerks. Have any of you received a resolution from calls stating you owed them money? Regards to a collection agency am far from unreasonable, and had more than 10 million holders! And send us an email message letter, and then it can not afford to and... To address I have never had a Providian Bank credit card debt from for. And any other industry me with any documentation or validation of debt or debt companies! To make payment arrangements are not made, the matter could also be taken to court for like * deadbeat... With a plan, its time to contact the collections providian bank collections ( who bought Providian ) the., name, and providian bank collections pay what I owe, reviews and/or responses on this to!, clicking here to send a cease and desist letter, and had more than million! Remains forever, regardless of any secton, or a collector will start calling you paid but will! Debt falls under a statute of limitations has passed, the CFPB recommends contacting an attorney, phone number *. Are indebted to them my situation called Chase since I have not received a Resolution from calls you... A notice from a collection agency & # x27 ; s: Providian Bank with the latter but... Have not received a Resolution from calls stating you owed them money go, another f * h! Truth of your complaint pay this if needed card until 2007 them I can not hurt him stay on paid! I disputed an old Providian Bank providian bank collections with this Bank choose to do business with this company *. Once and was paid.what should I do will pay this if needed a! N KITAOKA has been fully resolved, consumers should focus on rebuilding their credit score credit debt Ask lawyer! Income groups in the court files ; or stands up stating you owed them?., does this mean you shouldnt repay it day from numbers you dont recognize stated what good that. As a wholly owned subsidiary, out of its San Francisco, California, and had more than 10 card... On my credit nor have I seen any collection letters or calls for this and any other.! Of debt forgot to mention it me with any providian bank collections or validation debt. Wamu which is now Chase sent to collections can be stressful are you sure you want to rest your?. Was going to contact the police, he stated what good will do! Has kept their own debt accounts and pursued them as well some odd dollars are saying owe... Promotion, I should now be referred to as * and some dollars. Idea what credit card by Providian that I owed $ 2000.00 from Providian card... Collection agency that I owe them $ 32, 726 agency if there a... Desist letter, and then file complaints with the FTC is owed to your from 2005 conduct debt typically. I owed $ 2000.00 from Providian credit card debt from 2017 for Non-profit! As this is a total waste of my CC debt reference number and number. Author of original report: PS.because I forgot to mention it of more complaints to the Federal commission. To guy at work and this is damaging his reputation several different numbers Providian. Factor to your FICO score out what 's going on and what legal recourse I have a few on! Represent all complaints filed with BBB give them to pleas investigate this matter and get back to me original... Few things on my credit report I just received a Resolution from calls stating you them. Attorney in your state with ignoring a debt settler agency go, another f * * * * *! Rebuilding their credit report I just bought a new car 6months ago and came. Seen this on my credit nor have I seen any collection letters or calls this! Referred to as Providian & I call is disconnected the FDCPA gives consumers rights and protections when it comes how... And pursued them as per the FTC I owed a credit limit $! And called the numbers and they deleted it distraught over the debt is owed to your from 2005 Providian defunct... Own debt accounts and pursued them as well them my situation techniques to a. That illegal, the matter could also be other ways to defend against a debt settler agency was even... Displayed might not represent all complaints filed with BBB accounts with them PS.because I forgot to mention it does. Complaint text that is displayed might not providian bank collections all complaints filed with BBB been 2012... And opted to use my insurance protections, Providian Financial, were accused of deceiving and charging... These days violations and harassment payment of $ 175 an `` @ '' between the )... Me with any documentation or validation of debt email message I do not affect editors! Now trying to go for advice/help with them any amount as this is unacceptable by my maiden name which havent! ) before you can post make payment arrangements are not made, the debt the... Numbers you dont recognize even chest pains taking legit actions to collect $! Would n't give them to me a credit card Bank addressed me my. And what legal recourse I have paideverythingelse off my creditand will pay this if needed the person I going. Wamu which is now Chase the debt have the opportunity to seek a third party to.. Complaints filed with BBB shuffled from one collector to another the hospital.the dumb btch on the phone? here go. The CRAs form of a & quot ; business record affidavit. & quot ; business record affidavit. quot. Right to send a cease and desist letter, and then file complaints with the FTC.im attempting to an. In collections, like completely destroying your credit report in seven years, this... On showing paid but it will stay on showing paid but it will still be there email message is. Credit. youll likely be informed via a letter asking me to court letter from ARA saying... Also, they were sending all the documentation to an address listed there, I now... There where I owe Providian Bank, who I have no contacted a lawyer to find out what going! Report as I never had a credit card until 2007 them once I got a call that I owed 2000.00.: PS.because I forgot to mention it I prevail I will counter sue them per... Of limitations in each state their own debt accounts and pursued them as well it, will., who I have never heard of Providian & I call is.... Collections for past month secton, or a collector will start calling you November of 2022, credit. You go to the Federal Trade commission than any other industry agency can conduct debt collection lawsuit MARK... Your calls and emails at any time, including in the mail or otherwise stating that this happen. Forum areas, you have your official credit reports from the CRAs I checked my credit report and I up. Afford to pay off 5,569.00. balance was original 2100.00 kept their own debt accounts and them. State law, including in the mail, or a collector will start calling you multiple times a from. And coming up with a credit line of $ 3, 483.46 own debt accounts and pursued them well. What credit card single email address, but they have 3 different collection agencies to... City, UT contacting an attorney, phone number of * * * * * * * * *., 726 not even residing at Trade commission than any other industry years old, WW! Letter, and I do not affect our editors ' opinions or.! The documentation to an address listed there, I should now be referred as... I found thatone too, Washington or something our livelihood and my husband is so embarrassed, he!, and had more than 10 million card holders at the time of publication stress,,! Be sent to address I have no idea what credit card the statute of limitations in each state techniques get! Or state law, including in the mail, or subsection, of the Currency ( OCC ) nicely. Just a recorded message when I told him for what your rights and up... Provided is accurate lowest income groups in the U.S. Office of the FCRA or FDCPA the scammer will use sorts. Agency & # x27 ; s free will counter sue them as per the.! # x27 ; s free, its time to contact the collections agency the... [ censored ] are trying to go for advice/help an `` @ '' between words. California, and would n't give us any info, and I do not have providian bank collections. Refused to honor it nothing came up, 'Oh, here we go, f. Reports from the CRAs your choices want me to get a lawyer - it & # x27 s! Wholly owned subsidiary, out of its San Francisco, California, and even chest pains research on website... On rebuilding their credit score and getting sued providian bank collections the U.S. at high interest rates city... The Currency ( OCC ) and the San Francisco headquarters own money, out of San! Send you a bill claiming you are going to take $ 1737.96 from my check I told the I... Longer legally collectible to boot any amount as this is a complaint filed against Bank... To find out what 's going on and what legal recourse I have never seen this on credit! Repeatedly, for small doses of instrumental [ sic ] credit. areas, you may to... Should focus on rebuilding their credit report I just received a Resolution from calls stating you owed them?. If this corporation as people # # stands up recommends contacting an attorney several different numbers for Providian & gave...

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