1998-01-01. They claim I owe them $3000. I called the law firm and asked them to pleas investigate this matter and get back to me. ago. Note: I pulled my credit reports and Providian is not listed anywhere on it. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. debt collection letter providian bank. Larry Thompson sold all his stock having a value of approximately US$4.7 million following his confirmation hearing and a short time before Providian's financial problems became public information and the stock price plummeted. Supposedly account number last four 0871.file number c554503.account rep.jamesdean.in re palisades acquisition, xvi.amt.3164.74.i haven't been christine archbold ifor over 20 yrs. number and talked with a woman that claims I owed a credit card debt from 2017 for our Non-profit organization. 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. [protected], Desired outcome: Any suggestions? Many factors affect your FICO Scores and the interest rates you may receive. 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. 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. Until today. Leslie H. Tayne Esq., a debt attorney and author of Life & Debt, says consumers should take the following steps once they realize they have debt in collections: 1. What am I prepared to discuss on the phone?. They have a website that list a single email address, but no physical address or phone number. They say I owe 3000.00, like everybody else they are trying to scam. i have never owned or even had credit with this bank ever. The card was open Dec.4th 2000-closed Sept. KNOW YOUR RIGHTS and stand up to these jerks. Re: HELP! Re: Providian bank credit card The statute of limitations starts when you miss your first payment with the original creditor. One million served! 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! I have paideverythingelse off my creditand will pay this if needed. How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. ASK a legal question; POST an issue. There are risks with ignoring a debt in collections, like completely destroying your credit score and getting sued by the collector. good god our country is doomed. Fishers, in. ,Providian Bank ,Providian Financial Providian created excessive charges after credit card reported stolen and pursues collection for years! 1995-01-01. All Rights Reserved. Pay all of your bills on time. Now your phone rings multiple times a day from numbers you dont recognize. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. On 1/27/21 I call the number and gave the Ref. For a monthly fee, third-party services can report current payments, and sometimes previous ones, to help strengthen your score. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. I do not owe anything. With them. ComplaintsBoard.com is a leading complaint resolution website on the Internet. 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. She called me a 'b***h' and I hung up. How To Find The Cheapest Travel Insurance, according to new data released by the Consumer Financial Protection Bureau. Collection Agency's: Providian National Bank First Resolution Management Corp Seattle, Washington. They also claimed to have been sending me letters which I have never received. Previously entered content was automatically saved. 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. I finally called Chase bank (who bought Providian) and nicely explained to them my situation. I then responded with, "let me have the number please" in which she responded rudely, "look, I've been trying to give your mom the number, but she keeps interrupting me". If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. 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. they almost put her back into the hospital.the dumb btch on the phone kept threatining to take her 800 dollar disability check! they leave messages they have a summons in my name to be served to my home or work. 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! threatening phone calls from MGM & Associates / MGM Investigations & Collections for past month. Today 3/16/23 I received a call from a suppose attorney office who claimed to have received a collection account from a providian credit card I owed for over *****. They addressed me by my maiden . No fee for additional employee cards. I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. Johndowning01@gmail.com They say I owe them $32, 726. This review was chosen algorithmically as the most valued customer feedback. In any case, the scammer will use all sorts of techniques to get you to . Waving the flag here! The collector must return your request before it can start trying to collect the debt again. Further information is available in our FICO Data Privacy Policy. All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. They said that I opened up a cc April 2001 & that they have served me papers before - which they have not. these providian [censored] are trying to go after my sick mother! 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. Note that complaint text that is displayed might not represent all complaints filed with BBB. 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 I used to love this country how could anybody these days! If youre being harassed for debt that doesnt belong to you, you have the right to stop the collectors from contacting you. 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 have no contacted a lawyer to find out what's going on and what legal recourse I have. Two weeks ago I received a summons to court! Some collectors refuse to work with the latter, but are obligated to work with an attorney. Providian National Bank contacts Phone number +1 (603) 228-4482 View all Providian National Bank contacts Most discussed Providian National Bank complaints Fraudulent Debt 1 (opinions to this review) They have 3 different collection agencies attempting to collect over $3000 on the same account 1 (opinions to this review) 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. I have never had a credit card with Providian at all let alone for 18 years. If you opt to negotiate the debt, Tayne doesnt recommend giving an amount of how much youre willing to pay off. [1][2] When Providian's insurance operations were acquired by Aegon, Providian's credit card business was spun off as a separate company.[3]. o6, thank you for the link, I found thatone too. The trick is charging a lot, repeatedly, for small doses of instrumental [sic]credit." There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. My husband stressed over this all weekend not knowing what was going on or what to expect. thank u. They said they had left it at the front door. Providian was a company that sold credit in the "subprime" market. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. *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. Three years later, at the beginning of the Great Recession,. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Research/discuss 85,000 issues in the forum or privately ASK A LAWYER NOW, click ASK NOW. + Leaflet | OpenStreetMap contributors | Open In Google Maps What am I supposed to do with that if I cant get in touch with anyone from this bank? First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. WHy can these guys get away with this. Giving the dates of the opened account and the establishment of my 501(c)3, I'm labeling this as a scam. OLD CC COLLECTION DEBT/RIPOFF SCAM! 2003-12-31. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. 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. P.S. After evaluating the debt and coming up with a plan, its time to contact the collections agency. The have been accused of deceptive practices. Notify the court clerk that you are unable to locate the judgment creditor. It was a credit card bill that I had with Providian Financial back in 03. They say I owe 3000.00 and I never had a providian 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 ! Over 80,000 legal issues have been answered so also consider using the search function. and we called the guy was talking so fast n wouldn't slow down. Washington Mutual, Inc., continued to run the company as a wholly owned subsidiary, out of its San Francisco headquarters. In the early 2000s I had no credit cards, I wasnt working and taking care of my sick grandmother. Can someone tell me who and what this company is? Providian/Chase Collection Notice Hello PF. and told me that this was from the 1990 . Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. I am just beside myself with the crap crawls out from underneath a rock. Is this your company? Think about the letter you received, Tayne says. They searched my social, name, and address. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. 1 mo. I receive a notice from a collection agency that I owe Providian National bank $2222.11. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. But my current credit score is 760+ and I have a Chase Saphire card. I just received phone message from someone claiming that they tried to serve me legal papers and they were returned because I wasn't at the address they had on file. . Services that help with debt settlements include debt attorneys or debt settlement companies. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. I do not have knowledge of this account. I also had filed bankruptcy in between this time. Jul 13 2008 12:50 PM I was served a summons by the deputy sheriff. If you receive "verification of debt" or "copy of judgment" go to 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. Due to a recent promotion, I should now be referred to as. I has asked the collection agency if there was a way that I could get proof of purchases or something. How can I tell them I cannot afford to pay off 5,569.00. balance was original 2100.00. wel we just got one of these people calling an old address . Changes to the law are coming. 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. I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. Our lawyers and others will respond within 24 hrs! In the future, collectors may be able to communicate via email and text messages, and would be limited to seven attempts of calls per week (per debt). So they mailed me a letter asking me to make payment arrangements . IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. Ever. I want this to go away. They often go through the process of filing collection lawsuits. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. He asked me to make payment arrangements . Your financial situation is unique and the products and services we review may not be right for your circumstances. http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf Once youre notified, there are a few different paths you can take to resolve the debt. Providian just garished my banking account without ever notifying me that they did this. This process can take months, if not years, depending on how hard a score was hit due to bills in collections. The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. 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. Ive called several different numbers for providian and no one seems to know what Im talking about. I, personally, choose to "clear" my debt by paying debt owed, not by wrangling about FCRA and FDCPA avoidance of non-payment implicatons. i recieved the same thing. Now they have 3 different collection agencies attempting to collect over $3000 on the same account! The case was initiated by the U.S. Office of the Comptroller of the Currency (OCC) and the San Francisco District Attorneys Office. This is over 22 years ago. 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 asked again for the number, she reponded with , "you don't have to be rude with me. Providian was supposed to be sold to WaMu which is now Chase. She has never had a credit card. The debt they say occured in 2007. I am a former employee. Past performance is not indicative of future results. I did not agree to any amount as this is not my debt. Typically, collections remain on a credit report for up to seven years. Now, how can three companies try to collect the same time barred debt? You decline the calls out of fear that the voice on the other end might tell you youre getting sued for the debt. When was Providian National Bank sent to collections? 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.. To late sue anyone. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. 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. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. Collection agent calling me. I tell ya, these guys will try anything! They told me they will continue to harass me until i pay the debt in full. Commissions do not affect our editors' opinions or evaluations. Its going on the trash. She claims I took out the credit card in Sept. of 2017 however my non-profit wasn't established until 4/20. If they cause my mother any more stress lord have mercy! I honestly dont know what to do or if this is legit. I received nothing in the mail or otherwise stating that this would happen. When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. Today I got a call that I owed $2000.00 from providian credit card. Payment history is the largest contributing factor to your FICO score. They also left me the name of an attorney, phone number and a reference/case number. I told the guy I have no idea what credit card hes talking about . 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. If u have any suggestions. Nationwide *Author of original report: PS.because I forgot to mention it! What are you willing to offer me to settle this debt? Tayne says. 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 am actually going through this right now. They guy was sooo rude & said that he advises me to get a lawyer. David Alvarez, former president of the integrated-card unit, made a US$12.2 million profit selling his stock before the company disclosed that it was in deep trouble. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Cheryl lindsey. Whether or not you pay your bills on time comprises, Keep credit card balances low. Said went into collection in 2001. Stop and take a deep breath . What recourse were you able to take? wouldn't give us any info, and wouldn't listen . U.S. and 30 countries. Finance and CBS News Radio. 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. My job has a strict policy about garnishments including termination. I told them I was calling my attorney, she asked what the attorney's name was and when I told her I was calling Legal Shield, she hung up. Sometimes, debt gets shuffled from one collector to another. Sherman acquisition although they are ruthless, they are a legit company. Get it notarized and send it to Providian and any other creditor listed on the collection letter. I looked up the bank and called the numbers and they were not work. 11 yrs ago. I've called recently and numerous times prior to take me to court for the past 10 years, so far they haven't. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. I have Calvary portfolio collection agency, contacting me about a providian credit card from 2003. Today I got a call that I owed $2000.00 from providian credit card. 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. 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. A very rude man at *********************** answered the phone. They couldn't / wouldn't provide me with any documentation or validation of debt. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. I think it's a scam. I have never heard from this bank nor do I know who they are. We'd love to hear from you, please enter your comments. I was going to reach out them once I got some imput on from everyone here. 10 yrs online! They claimed the amount owed was $5200 but was willing to settle for $521.xx. 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. I am not going to send mone to someone i do not even know. I am William Bumphus Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. Claim it and get a lot of features. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. The balance is more than you can afford, and in the hustle and bustle of life, you forgot to make your minimum payments along the way. This page was generated at 03:20 AM. So if this bank does not exist who is the money going to? Having the opposite effect on officers and directors of the company, making them conspicuously wealthier. This comment was posted by a verified customer. I'm pissed of because times are hard, and this is coming to light in the worst time of my life. I just received a letter from a collection agency saying I owed 10, 101.34. Collectors in bad-faith have been known to harass consumers with phone calls and demand larger payments than what is legal, among other deceptive practices. And that they would settle for 5, 050.67 by june 1st.the collection agency is First Resolution Investment Corp. Editorial Note: We earn a commission from partner links on Forbes Advisor. You cannot get away from us. BBB Business Profiles are subject to change at any time. We called and another female operator confirmed my mom's name and birthday. I just check my credit there was no providian collection now it's a judgement. 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. That was the principal balance at the time the account was turned over to Portfolio Recovery. Click here to get notifications about new complaints of Providian National Bank. No exceptions. Providian National Bank has sent a garnishment to my job for a debt that was paid off/account closed back on 2003. They are taking legit actions to collect a legit debt. (write the answer twice with an "@" between the words). They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. obviusly it was a foreign btch who could speak 2 or 3 words of english. Providian National Bank Customer Support Lowest Rating. 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. You seem to acknowldege the debt. Also, they were sending all the documentation to an address that i was not even residing at. thanks again. Threatening to put a lein on my property. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. 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. That's ugly". Re: HELP! We will get you. Something went wrong. DON'T LET THESE THIEVES WIN! Was just contacted in regards to a credit card by Providian that I have never had. The CFPB recommends creating a realistic repayment proposal that is based on how much you can afford in payments each month, after accounting for bills, other debt payments and emergency costs. I told them I never heard of them. I told her I was not going to speak with her or even verify my name. Who are these people and what are they up. They claim I owe them $3000. It does not start when the account was placed for collection. Copyright 2013 Rudnitsky Law Firm . Are you sure you want to rest your choices? They talked about settling with me for over $4,000. 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! HELP! Merged into and subsequently operated as part of Providian National Bank (6252) in TILTON, NH. Help! I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****.