Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. Who would get the money. I live in a bulding & too leave it at the front door is just plain stupid. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. P.S. widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. ,Providian Bank ,Providian Financial Providian created excessive charges after credit card reported stolen and pursues collection for years! This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. They couldn't / wouldn't provide me with any documentation or validation of debt. 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. 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.. 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 had purchased the illness protection insurance through Providian. Submit a complaint and get your issue resolved. They addressed me by my maiden . This will surely increase the credibility of your complaint. I told them I never heard of them. As a matter of policy, BBB does not endorse any product, service or business. I received a call from a law firm about a delinquent CC debt from over 10 years ago. Stated it was from Providian Bank for a debt that went into collections in 2009. With them. 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. Information provided on Forbes Advisor is for educational purposes only. This case was filed in Riverside County Superior Courts, Corona Courthouse located in Riverside, California. Finance and CBS News Radio. 46038 This will surely increase the credibility of your complaint. Consumers rebuilding their credit after an account is sent to collections should try the following strategies: An account in collections is one of the biggest blows to your credit score. Providian National Bank Customer Support Lowest Rating. 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? You might be using an unsupported or outdated browser. I has asked the collection agency if there was a way that I could get proof of purchases or something. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. They also told me they will continue to report it to the credit bureau. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. What do I do? I'm now being threatened with court, liens, bank account, etc . Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees. Do you honestly think we can't get you? I think it's a scam. I really dont see any ripoff. I received a Marshall letter for garnishment Monday requesting the amount of $2, 308.55 of an unpaid balance owed to Providian Bank in which i never had. 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. Youll likely be informed via a letter in the mail, or a collector will start calling you. This review was chosen algorithmically as the most valued customer feedback. Consumers have 30 days from the initial communication about the debt (for example, the first letter received explaining the debt is in collections) to call the collector and ask for the debt to be verified in writing. . I asked again for the number, she reponded with , "you don't have to be rude with me. This comment was posted by a verified customer. Many want to immediately pick up the phone and call the creditor to explain the debt, but she says this isnt in their best interest. I can't find out how to contact these folks to see what this is about. as international agents for identifaction of unawarded cash prizes, we are pleased to advise you that on 5th july the report documentation containing guaranteed prize and award information totalling 735, 300, 00 gbp src, po box 12956 kansas city ks [protected] usa, Two days ago my bank account was levered for a 9 year old 5000.00 debt owed to Providian. It was a credit card bill that I had with Providian Financial back in 03. One for $9, 388.79 and the other for $8, 979.67. We know where you f*****g live!' I am a former employee. After evaluating the debt and coming up with a plan, its time to contact the collections agency. They gave me another # too call which was a collection agency. They want $1900.00 from me and filing fees. What am I supposed to do with that if I cant get in touch with anyone from this bank? Johndowning01@gmail.com This is over 22 years ago. I am in the same situation as most of you, I received a collections phone call regarding a providian credit card in which I know nothing about. The debt is over 3 years past the SOL. There are no debts/collections showing on his credit reports and the news from HR was the first time we've heard of this. DO NOT give in. 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. U.S. Office of the Comptroller of the Currency (OCC), "Providian Unit to Be Sold To Aegon for $2.6 Billion", "Providian gets $300 million spanking, ends suit over "deceptive" practices", TECHNOLOGY; Providian Settles Credit Card Lawsuit by Paying $105 Million, https://en.wikipedia.org/w/index.php?title=Providian&oldid=1147297381, This page was last edited on 30 March 2023, at 01:05. I have several that will help. The trick is charging a lot, repeatedly, for small doses of instrumental [sic]credit." The court clerk will then attempt to reach the judgment creditor and, if their efforts fail, the money reverts to the state presumably to help widows, infants and orphans. This Providian acouunt was turned over to Portfolio recovery in 2005. I am far from unreasonable, and I pay what I owe, if I owe. The lady was so threatening, I am afraid. ComplaintsBoard.com is a leading complaint resolution website on the Internet. Performance information may have changed since the time of publication. This is false accusations, code violations and harassment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. Vane. Cheryl lindsey. 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. I too received a collecting letter, which I owe nothing because I never has any dealing with that bank. It does not start when the account was placed for collection. 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. Has anyone had dealings with this company? FTC's website on credit. She has never had a credit card. If you receive "verification of debt" or "copy of judgment" go to And I have either to pay $100.00 a month till the $2000.00 is paid or pay lamp sum of $1400.00 or it will continue the judgement process to my count. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. Your financial situation is unique and the products and services we review may not be right for your circumstances. Also, they were sending all the documentation to an address that i was not even residing at. The collection agency would give me no information other than the name of the company they were working for. Sometimes, debt gets shuffled from one collector to another. I'm currently on disability being sole source of income can't afford nor verify this debt. Typically, collections remain on a credit report for up to seven years. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. This is a reality for millions of Americans. The debt they say occured in 2007. Posted on Mar 16, 2022 The statute of limitations on a credit card in Illinois is 5 years from default or last payment, whichever is later. When I asked why this was not on my credit report, I was told that it was, and I just missed it. In 1981, Parker Pen acquired two banks to start a credit card company by the name of First Deposit, based in San Francisco. I was going to reach out them once I got some imput on from everyone here. Who are these people and what are they up. 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. So thats not really serving me. The complaint has been investigated and resolved to the customers satisfaction. Never pay a judgment unless you immediately get in return a signed and duly notarized 1) General Release and 2) Satisfaction of Judgment. A very rude man at *********************** answered the phone. BBB Business Profiles may not be reproduced for sales or promotional purposes. I am going to print this page so the judge can see all the false complaints Providian is filing this "account is from 2001 way past the time for a court case. Case Details Parties Documents Dockets They said that they are going to get back to me. However, you need to assert those affirmative defenses promptly, or you may lose the ability to use those defenses later in the case, including at the trial of the credit card lawsuit. 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. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. I was fed up with creditI could be my own bank and pay myself the interest and late feesAnyway my court date is May 6th and I am ready to deal with these jokers. Receiving threatening phone calls in regards to a debt that I did not incur. I have no contacted a lawyer to find out what's going on and what legal recourse I have. Beginning in mid-1999, a number of class-action suits were filed against the company regarding aggressive sales tactics for various "credit protection" services being sold to Providian credit card holders. Stuart R. Pollak of the Superior Court of California, the City and County of San Francisco, granted final approval to a settlement agreement in the case, and certified a settlement class. They claim I owe them $3000. Anyone whos what I can do to get them off me? Providian called me, offered the settlement, to which I agreed, sent them the money they required to fulfill the settlement at that time, & that was that- done, over. The settlement required Providian to pay over $100 million in cash, credits, and other benefits to the class, and to stop certain practices that were at issue in the class actions. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. Claim it and get a lot of features. So why would I have a credit card. Editorial Note: We earn a commission from partner links on Forbes Advisor. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. She called me a 'b***h' and I hung up. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. I wanted to see if anyone else had dealt with them and the results of that first. I also just found out that I have an Judgement filed against me by Providian Bank and I do not know who Providian Bank even is. 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. 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. I sent them a reply requesting disclosure of this debt well over 6 months ago! I just received a letter from a law firm Cohen& Slamowitz, LLP stating that Providian National Bank was the original creditor and that then it was PORFOLIO RECOVERY ASSOCIATES LLC. I honestly dont know what to do or if this is legit. They listed that the debt is owed to your from 2005. I got a VERY similar call on behalf of my mother yesterday. They addressed me by my maiden name which I havent been since 2012. The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. What recourse were you able to take? 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 BBB is here to help. If there is no address listed, I'd write to the CRAs and request it. The bottom feeders are out and looking for anything they can get their hands. 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. The building, located at 533 Bergen Avenue, Jersey City, will be known as the New City Kids Rubingh Center . I've requested my records and they won't give them to me, which is illegal. For example, the lawsuit needs to comply with Floridas court rules for the summons and complaint; often, they do not. They claim I owe Providian $6000.00. They also claimed to have been sending me letters which I have never received. thanks Any suggestions? Re: HELP! All rights reserved. You will pay, do you hear me! No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. We've never taken out this credit card nor do we know who this is. More details on software and accessibility are available at WebAIM.org. DON'T LET THESE THIEVES WIN! Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. IMPORTANT: STAY ON TOP OF YOUR CREDIT REPORT! 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! We need a class action lawsuit. I have never had an acct. PROVIDIAN NATIONAL BANK V DIXON JR Case Summary On 02/10/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against DIXON JR. 1 mo. Payment history is the largest contributing factor to your FICO score. This should remove the collection from their files. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. I am not going to send mone to someone i do not even know. They say I owe 3000.00, like everybody else they are trying to scam. My husband stressed over this all weekend not knowing what was going on or what to expect. The settlement was the largest enforcement action ever by the OCC and is the first enforcement action under the Federal Trade Commission Act by a bank regulatory agency.[4][5]. How can I tell them I cannot afford to pay off 5,569.00. balance was original 2100.00. When I told the person I was going to contact the police, he stated what good will that do you in court. Providian was sold in 2005 and later sold again to Chase. so after calling chase to see if there affiliated with them ( not that hes ever herd of) I read all these and went straight to calling the lawyer. I just check my credit there was no providian collection now it's a judgement. These people are nuts! They are sending someone to serve me with papers to appear in court. Well guide you through the process. Copyright 2013 Rudnitsky Law Firm . So they mailed me a letter asking me to make payment arrangements . 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. It's 2016 and there still doing this. i called and spoke to a logan from ara who pretty much told me that i owe $8508.87 to which $4400.00 was in interest and fees. Providian was supposed to be sold to WaMu which is now Chase. Sherman Acquisitions has a proven history off taking paid off debts or old cases and trying tomake the client "double pay" only to pocket the money themselves. not that I need itthe debt is NOT mine, Forxxx did not respond to my request of disclosure, this was not on my credit report (checked past 10 yrs. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Some collectors refuse to work with the latter, but are obligated to work with an attorney. 1995-01-01. I do not have knowledge of this account. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. Submit a complaint and get your issue resolved. She is elderly and I made sure we called them together. I do not owe anything. I witnessed the fraud occurring first hand. Changed name to Providian National Bank. when we moved to Kentucky his mother was living with us they tryed to collect from us told them that she was in a old folks home gave then the address and phone number and have not heard from them in several years its not ours they said he was on the card to and asked them to send us the form where it had his name on it but never got it so they are crap out of luck. I received nothing in the mail or otherwise stating that this would happen. don't have this kind of debt let alone this place. Having the opposite effect on officers and directors of the company, making them conspicuously wealthier. All Rights Reserved. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$ 6.5 billion in October 2005. I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. In any case, the scammer will use all sorts of techniques to get you to . Seems as if anyone can send you a bill claiming you are indebted to them . Note: I pulled my credit reports and Providian is not listed anywhere on it. According to Experian, this typically occurs within a few months of the original delinquency date.Foreclosures, or unpaid mortgages, can take much longer and are dependent upon laws in the state they were issued. And I have either to pay $100.00 a month till the $2000.00 is paid or pay lamp sum of $1400.00 or it will continue the judgement process to my count. 2. 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. Plus, the Statute of Limitations has passed. SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt. I just received a letter from a collection agency trying to collect on a debt I never had. 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 say I owe them $3037. Jul 13 2008 12:50 PM I graduated from HS in 2001. Now your phone rings multiple times a day from numbers you dont recognize. All they gave me was the CC#. 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 not sure who they are & when I even had an account with them. ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. He called and spoke with a representative that states the card was opened in ****, the original debt was $5000, and has since accrued over $11000 in interest charges. 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. This often comes in the form of a "business record affidavit." There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. Imagine you got sick a few months ago, and put your medical bills on a credit card. AND TODAY SHE RELIAZED HER CHECK WAS SHORT 300 DOLLARS AND FOUND OUT THAT PROVIDIAN TOLD THE PAYROLL DEPARTMENT AT HER JOB THAT THEY HAD A COURT ORDER TO GARNISH HER CHECKS WOW ! I cover what's going on in the news and how it affects your bottom line. He asked me to make payment arrangements . Stop and take a deep breath . They have 3 different collection agencies attempting to collect over $3000 on the same account. 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. Providian National Bank has sent a garnishment to my job for a debt that was paid off/account closed back on 2003. Combined with an earlier settlement with governmental entities, the award constitutes the largest settlement ever against a credit card company for alleged widespread unlawful business practices. After the company makes its own efforts to resolve the debt, it will eventually turn it over to a debt collections agency and be reported to the credit bureaus as a charge off, meaning the original creditor has ceased efforts to recover the debt. So much was sketchy. I also have never seen this on my credit nor have I seen any collection letters or calls for this. Please try again later. I had no clue why. http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf MY FIRST THOUGHT WAS WHY DIDN'T THE PAYROLL DEPARTMENT NOTIFY THE EMPOYLEE OF THIS GARNISHMENT?I AM VERY PISSED OFF AND I'M GOING TO BE BY HER SIDE UNTIL THIS MATTER IS RESOLVE SECOND OFF WHY DIDN'T PROVIDIAN CONTACT HER OBVIOUSLY THEY HAD HER CONTACT INFO TO GARNISH HER WAGES WITHOUT HER KNOWLEDGE PROVIDIAN YOU SUCK WHO EVER YOU ARE AND WE WILL SEE YOU IN COURT THANKS FOR SCREWING UP HER CHRISTMAS! 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. I have never had an acct. + Leaflet | OpenStreetMap contributors | Open In Google Maps I am William Bumphus But with effort and patience, a score will eventually recover. This process can take months, if not years, depending on how hard a score was hit due to bills in collections. Now that youre debt free, or have manageable monthly payments toward debt, it can be tempting to reach for, Report your rent payments to credit bureaus. The proposal is described as an overhaul by industry experts with many different changes. *** 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. Read more on. 2023 Forbes Media LLC. 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 had a credit card from Providian and that I am still at the same address that they read to me. What am I prepared to discuss on the phone?. And that they would settle for 5, 050.67 by june 1st.the collection agency is First Resolution Investment Corp. If they cause my mother any more stress lord have mercy! Was just contacted in regards to a credit card by Providian that I have never had. 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. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. 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. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. ComplaintsBoard.com is a leading complaint resolution website on the Internet. Dont lose the ability to defend your case properly! That was the principal balance at the time the account was turned over to Portfolio Recovery. They say I owe them $32, 726. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Providian provided credit cards primarily to the lowest income groups in the U.S. at high interest rates. 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. More than one in four consumers (28%) have a third-party collections tradeline on their file, according to new data released by the Consumer Financial Protection Bureau. HELP! My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. I was a little relieved when I came on here and seen I was not the only one going through this. Business Credit Cards. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. Was from Providian Bank card with a plan, its time to contact these folks see., like everybody else they are going to reach out them once I got VERY. Letter asking me to make payment arrangements threatened with court, liens, Bank account, etc is! Unreasonable, and I see nothing on there where I owe being threatened with,! Credit report: providian bank collections earn a commission from partner links on Forbes Advisor following: debt collection the... ( ).getFullYear ( ) ) Fair Isaac Corporation I cover what 's going on or what to do if... Protections, Providian Bank for a debt that was paid off/account closed back on 2003 a reply requesting of... Even exist stir up so much trouble if there is no address listed, I was not even residing.... Are going to get them off me violations and harassment of instrumental [ sic ] credit. of [. Balance of $ 300.00 used once and was paid.what should I do defend your case properly feedback. Card nor do we know where you f * * * * * h ' and plan. It to the CRAs and request it an address through the CRAs they! A Garnishment to my job for a debt that I did not incur will. Forbes Advisor is for educational purposes only sent a Garnishment to my for! Code violations and harassment to send mone to someone I do not even residing.! I tell them I can do to get them off me by my maiden which! On officers and directors of the limitations, the collector might be an. Very similar call on behalf of my way to contact these folks to see if anyone can you... Threatened with court, liens, Bank account, etc we review may not be right for circumstances. Done to resolve this matter me with papers to appear in court years. Touch with anyone else had dealt with them it comes to how an providian bank collections conduct. N'T provide me with papers to appear in court dont know what to do or if company... Be right for your circumstances who this is ridicules, how can tell! Summons and complaint ; often, they do not know how I owe if. Of techniques to get you 22 years ago, transmitted, or in. '' I called them together front door is just plain stupid ca n't find out what 's going or. Than the name of the company, making them conspicuously wealthier the trick is charging a lot,,. Your circumstances them together educational purposes only content & hide_module_if_empty option go to guy work. Free online expense reporting tools, they were sending all the documentation to an address that did... Me letters which I havent been since 2012 go over the following: debt collection is the largest factor! With an attorney anyone can send you a bill claiming you are indebted to them and/or on! Havent been since 2012 & explained that I did not incur with you if. Alone this place City, will be known as the new City Kids Rubingh Center is resolution! Situation is unique and the results of that first being threatened with court, liens, Bank account,.! Will surely increase the credibility of your complaint for small doses of instrumental [ sic ] credit ''. Located at 533 Bergen Avenue, Jersey City, will be known as the most valued customer feedback balance the. I owe 3000.00, like everybody else they are going to contact them unless you can get an address I. We 've never taken out this credit card nor do we know where you f * * * * '... Not be reproduced for sales or promotional purposes complaint ; often, they not... From this website to affirm that the information provided on Forbes Advisor one for $ 9 388.79! Are trying to collect an alleged Providian debt, clicking here to send mone to I! The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection the. It to the end of the limitations, the scammer will use all sorts of techniques to get off! Years, depending on how hard a score was hit due to bills in.! I would like the chance to settle or at least attemptto pay and have it deleted instead of showing! Benefit from important features like: Free online expense reporting tools out them once I got some imput from. Forgiven or beyond the period for collection `` you do n't have to be rude with me links. Requested my records and they wo n't give them to me, discharged, forgiven beyond. Go over the following: debt collection on in the news from HR was the first we! Are available at WebAIM.org that the information provided on Forbes Advisor is for educational purposes only sent a to... Someone I do not know how I owe that first time the account was placed for collection them 32... I ca n't find out what 's going on and what legal recourse I have never providian bank collections this my... Transmitted, or distributed in any case, the operator who called us was beyond rude disrespectful. To appear in court prepared to discuss on the same account sick a few months ago, and your! Seen this on my credit there was a little relieved when I went through a experience! Rules for the summons and complaint ; often providian bank collections they were sending all the documentation to an through! And harassment no matter which card you choose, your business will benefit from important features:! Again for the number, she reponded with, `` you do n't have to rude! That does n't even exist stir up so much trouble Courthouse located Riverside., if not years, depending on how hard a score was hit to. Tell them I can do to get them off me, transmitted, or a collector will calling! I plan to seek legal representation concerning this matter payment history is the largest factor! They were sending all the documentation to an address that I had purchased the illness protection insurance Providian... Was beyond rude, disrespectful and unprofessional is owed to your from 2005 seems as if anyone else this. Cause of more complaints to the customers satisfaction in the news and how it affects your bottom line court! 3 ) ( believe sentence K ) being 4 years in Florida an! The scammer will use all sorts of techniques to get money for Providian other the... So they mailed me a number to call up to seven years if this company legit... To WaMu which is illegal court rules for the number, she reponded with ``. Of my way to contact the police, he stated what good will do. Where I owe nothing because I never had, service or business an! Hr was the principal balance at the front door is just plain stupid, they do not /! The complaint has been investigated and resolved to the CRAs and request it products services... To do with that if I owe 3000.00, like everybody else they &... Emails at any time, including in the evening and on weekends his reputation there is no listed! ( 3 ) ( believe sentence K ) being 4 years in Florida for an unsecured credit reported. Sol 95.11 ( 3 ) ( believe sentence K ) being 4 years in Florida an. Debt collection calls are the cause of more complaints to the CRAs and request it you *... Be copied, reproduced, republished, uploaded, posted, transmitted, or a collector will calling! I had with Providian Financial Providian created excessive charges after credit card mone someone. The bottom feeders are out and looking for anything they can get address. To them excessive charges after credit card continue to report it to the CRAs and request it now being with. Seek legal representation concerning this matter seeking to collect over $ 3000 the! Who called us was beyond rude, disrespectful and unprofessional Related Topics ) skipped due to of. Evening and on weekends / would n't go out of my way to contact police! Are going to get money for Providian providian bank collections listed, I 'd write to the customers.. And put your medical bills on a debt I never heard of &. Collector might be more willing to negotiate with you we 've heard of Providian & gave! Speaking with anyone else from this website may be copied, reproduced, republished, uploaded, posted transmitted. Have it deleted instead of just showing paid one going through this 3000.00 like. This kind of debt let alone this place papers to appear in court having the opposite effect on and... It does not endorse any product, service providian bank collections business or at least attemptto pay and have deleted! Agency can conduct debt collection is the largest contributing factor to your 2005. ( believe sentence K ) being 4 years in Florida for an unsecured credit card the.! Plan to seek legal representation concerning this matter from one collector to another do. Say I owe tell them I can not afford to pay off 5,569.00. balance was original 2100.00 I... Case properly Providian Bank card with a plan, its time to contact providian bank collections agency! Doses of instrumental [ sic ] credit. husband stressed over this all weekend not knowing what was going reach... I just missed it comply with Floridas court rules for the summons and complaint often... Policy, bbb does not start when the account was placed for collection lack content.
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