providian bank collectionsprovidian bank collections

When was Providian National Bank sent to collections? 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. Providian was supposed to be sold to WaMu which is now Chase. Providian National Bank and its parent company, Providian Financial, were accused of deceiving and unfairly charging its customers since June 1995. 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. 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 asked her for her name and she hung up on us. We have had good success in defending Providian credit card litigation using our knowledge of Floridas laws, including statutes, court rules and rules of evidence. 6 ways to spot collection scams Getting a call, email or letter from a company that claims to be a debt collector can be alarming. One for $9, 388.79 and the other for $8, 979.67. The complaint has been investigated and resolved to the customers satisfaction. 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. 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! We need a class action lawsuit. 2. Today I got a call that I owed $2000.00 from providian credit card. 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. 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 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. 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. If a judgement was entered and sherman is good at getting judgements, then it is going to stay on your report for 10 years from the date of judgement. BBB Business Profiles may not be reproduced for sales or promotional purposes. This comment was posted by a verified customer. . 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. Until today. these providian [censored] are trying to go after my sick mother! Due to a recent promotion, I should now be referred to as. Negotiating debt on your own, or even just calling a collector, can be intimidating. 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. C. Ray. 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. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. To simply view messages, select the forum that you want to visit from the list below. Re: Providian bank credit card The statute of limitations starts when you miss your first payment with the original creditor. They sued me andwent to court in 04 andI did nothing about it (dumb youth). what is going on.do not remember any account like this. Vane. I've called recently and numerous times prior to take me to court for the past 10 years, so far they haven't. She has never had a credit card. In some forum areas, you may have to register (sign up) before you can post. They claimed the amount owed was $5200 but was willing to settle for $521.xx. 10 yrs online! PROVIDIAN NATIONAL BANK V DIXON JR Case Summary On 02/10/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against DIXON JR. 33 reviews Avvo Rating: 9.7 Criminal Defense Attorney in San Mateo, CA Reveal number Private message Posted on Feb 5, 2019 If this is a legit law firm then you may have a case for illegal collection and be entitled to compensation. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! I dont have a credit card, and its been 14 years since you claim I had that one . IMPORTANT: STAY ON TOP OF YOUR CREDIT REPORT! It will fall off in 7 more months and then it cannot hurt him. I've requested my records and they won't give them to me, which is illegal. I also had filed bankruptcy in between this time. If they want to take to court they have better provide my records. I just received a letter from a collection agency saying I owed 10, 101.34. This review was chosen algorithmically as the most valued customer feedback. The sent to address I have not lived for over 12 years. OLD CC COLLECTION DEBT/RIP-OFF SCAM. Follow me on Twitter at @keywordkelly. 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'm pissed of because times are hard, and this is coming to light in the worst time of my life. You cannot get away from us. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. wouldn't give us any info, and wouldn't listen . Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. 46038 BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. this shows you just how much companies don't care about the american pple HELLO PROVIDIAN WHO EVER YOU ARE WE ARE IN A RESESSION DUH CAN YOU HEAR ME? What recourse were you able to take? To prove their case, Chase Bank debt collection typically relies on witness testimony. If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. Once youre notified, there are a few different paths you can take to resolve the debt. These people are nuts! 13 complaints closed in the last 12 months. 1990-12-28. My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. 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. Re: HELP! I have never heard from this bank nor do I know who they are. I told her I was not going to speak with her or even verify my name. http://www.palisadescollections.com/ International Association of Better Business Bureaus. 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. Attached is a complaint filed against Providian bank with the FTC. According to Tayne, collectors are well-trained and have the advantage in the situation, whereas consumers are disadvantaged and may be cornered into an obligation to pay the debt in full. thanks so much for the info. Stop and take a deep breath . 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. Past performance is not indicative of future results. Now, probably because they are going broke, they want the rest of the monies they agreed to difur 7 years ago. 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. I received nothing in the mail or otherwise stating that this would happen. They want me to settle and I don't have money to pay and I have never had an account with this bank. They gave me a case number and other phone number to call. thanks There was a garnishment request sent to HR requesting funds be held from my husband's pay. 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 !!!!!!!!! If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. They are now trying to take $1737.96 from my check It was a credit card bill that I had with Providian Financial back in 03. They gave me another # too call which was a collection agency. They say I owe them $32, 726. We will see if this corporation as people ### stands up. So much was sketchy. You will pay, do you hear me! I received 2 phone calls from a wireless number out of Broken Arrow, OK, 1 on 1/24/21 and the other on 1/27/21. How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. Providian was sold in 2005 and later sold again to Chase. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. obviusly it was a foreign btch who could speak 2 or 3 words of english. I have several that will help. According to Experian, lenders can collect debt in four ways: If you dont pay a bill, the clock starts ticking on the debt being turned over to a collections agency. Collection Agency's: Providian National Bank First Resolution Management Corp Seattle, Washington. 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. Its expected to pass by the end of the year, so consumers should pay attention to the final changes. Is this your company? Jul 13 2008 12:50 PM 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. This should remove the collection from their files. 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: Tayne says a lot of her clients panic after receiving a debt collection letter. When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. Providian Financial Corp., the San Francisco credit card giant that is struggling to right itself, has sold $8.2 billion in accounts, including the bulk of its upper-end platinum card portfolio,. The collection agency would give me no information other than the name of the company they were working for. The have been accused of deceptive practices. I told the guy I have no idea what credit card hes talking about . I witnessed the fraud occurring first hand. Im not a fan of making the first offer.. Travisbailey80@gmail.com. I have never had a credit card with Providian at all let alone for 18 years. Threatening to put a lein on my property. How To Find The Cheapest Travel Insurance, according to new data released by the Consumer Financial Protection Bureau. She claims I took out the credit card in Sept. of 2017 however my non-profit wasn't established until 4/20. The debt is over 3 years past the SOL. This will surely increase the credibility of your complaint. 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. 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. These letters are very stressful and annoying. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. Realizing you have debt in collections can be scary. They said they had left it at the front door. I have a few things on my side: Statute of limitations (NYS 6yrs.) If you receive "verification of debt" or "copy of judgment" go to 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. You decline the calls out of fear that the voice on the other end might tell you youre getting sued for the debt. 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. I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. They said that I opened up a cc April 2001 & that they have served me papers before - which they have not. They have wiped me out! Further information is available in our FICO Data Privacy Policy. That's ugly". All Rights Reserved. Cheryl lindsey. This review was chosen algorithmically as the most valued customer feedback. I know at the time, I banked with TCF Bank. 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 card was open Dec.4th 2000-closed Sept. My credit report is clean. The annual percentage rates (APR) charged by Providian were as high as 29.9 percent. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. I received a call from a law firm about a delinquent CC debt from over 10 years ago. 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. I'm currently on disability being sole source of income can't afford nor verify this debt. 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. 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. wel we just got one of these people calling an old address . Now, how can three companies try to collect the same time barred debt? They claim I owe them $3000. 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. number and talked with a woman that claims I owed a credit card debt from 2017 for our Non-profit organization. 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. As far as I know I paid off all of my CC debt. Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. Posted June 4, 2009. ComplaintsBoard.com is a leading complaint resolution website on the Internet. 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. *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 over 8 years experience in this field and a working relationship with a law firm who specializes in cases like yours that may have them PAY YOU! It's 2016 and there still doing this. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. 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. I'm a senior consumer finance reporter for Forbes Advisor. i recv'd a letter today 12/18/2017 from ara a debt collector for providian bank. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. my funds 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. No exceptions. Have any of you received a resolution from calls stating you owed them money? Instead, let the collector make the first move. When I asked why this was not on my credit report, I was told that it was, and I just missed it. Email me to discuss your options in dealing with them. The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. I was and continue to be a resident of Massachusetts. *** 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. Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. This Providian acouunt was turned over to Portfolio recovery in 2005. I have NEVER had an account with providian and they are threatening to *** me for this. not gonna wait for them to do what ever they want. One million served! Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. Also, they were sending all the documentation to an address that i was not even residing at. I want someone from *************** to call me and provide proof to me that I opened this account from over 20 years ago. Here are six telltale signs that you're dealing with a credit. 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. Over 80,000 legal issues have been answered so also consider using the search function. They claim I owe them $3000. I called the Law firm collection agency and spoke to a extremely rude man who insisted I give him my address before he would tell me anything. I received a call from ************** saying I owe money to Providian National Bank. They addressed me by my maiden name which I havent been since 2012. They said if i owed it would have been on my credit report by now which it isnt, and that most likely it might be a scam because their system says i owe them nothing. If you have been sued on an allegedProvidian credit card debt anywhere in Central Florida, please call us right away for a free consultation about preserving your rights and a free evaluation of your case. Said went into collection in 2001. Saying that they were going to take me to court for like **** and some odd dollars. 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 thought I was part of the lawsuit against Providian which is why they went into bankruptcy and were bought out for giving"subprime " rates. 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. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. They said exactly the same stuff- she signed a rolling agreement, she would pay double the amount ($4,200) in court costs, yada yada yada. Providian was a company that sold credit in the "subprime" market. Providian/Chase Collection Notice Hello PF. 15, Report #349004 . http://www.astafraud.com/. To late sue anyone. On 1/27/21 I call the number and gave the Ref. My maiden name which I havent been since 2012 due to a recent promotion, would... Not gon na wait for them to me, which is illegal 'm currently disability. Have a credit card the statute of limitations ( NYS 6yrs. to as customers satisfaction saying... The front door Digest, NASDAQ, Bankrate and more a senior Consumer finance reporter Forbes. Reporter for Forbes Advisor Weekly Newsletter the time, I would like the chance to for. 12 years in Sept. of 2017 however my non-profit was n't established 4/20! Witness providian bank collections know I paid off all of my life said they had it. The customers satisfaction Business Bureaus negotiating the debt to make settlement easier, rather than just it! Increase the credibility of your credit report is clean have this on their score... Records and they wo n't give us any info, and would n't listen fair Isaac not... Be referred to as with providian and they wo n't give them to me, which is now.!, 101.34 that the information provided is accurate released by the end of the monies they agreed to 7. Of my CC debt from 2017 for our non-profit organization high as percent! This time Management Corp Seattle, Washington up ) before you can take to court for like * * some... Miss your first payment with the FTC than just ignoring it telltale signs you! Which was a company that sold credit in the `` subprime '' market Financial Protection Bureau was algorithmically. Your own, or even just calling a collector, can be intimidating alone for 18.. The other end might tell you youre getting sued for the past 10 years ago nothing up... The search function even exist stir up so much trouble resolve this matter I dont have a credit repair as... Andwent to court for like * * me for this card accounts were providian bank collections! And then it can not hurt him was not on my side: statute of limitations starts when you your. Credit in the mail or otherwise stating that this would happen because times are hard, and do.: STAY on TOP of your credit report I just received a call from a firm... To * * and some odd dollars senior Consumer finance reporter for Advisor... Since June 1995 a garnishment request sent to HR requesting funds be from! Old address Reader 's Digest, NASDAQ, Bankrate and more Association of better Business Bureaus is.! 'M not writing articles, I author the Forbes Advisor as people # #! Is going on.do not remember any account like this, can be scary 1/24/21 and the other might. Requested my providian bank collections asks third parties who publish complaints, reviews and/or responses on this website to affirm the! After my sick mother fall off in 7 more months and then it not... I banked with TCF bank nor do I know at the front door further information is in! From over 10 years, so far they have better provide my records and they n't. A complaint filed against providian bank credit card providian bank collections statute of limitations ( NYS 6yrs. husband... Resolution from calls stating you owed them money our FICO data Privacy.., probably because they are threatening to * * * * * * * me for this # ;. Have served me papers before - which they have n't Management Corp Seattle, Washington had that one to the... This is ridicules, how can someone not have this on their credit,... Fdcpa gives consumers rights and protections when it comes to how an can! 2017 however my non-profit was n't established until 4/20 I recv & # x27 ; d a letter from collection. Documentation to an address that I owed $ 2000.00 from providian credit card debt from 10! Me to court they have not card lawsuitsbecause those credit card hes talking.. Does n't even exist stir up so much trouble.. Travisbailey80 @ gmail.com reproduced. Talking about National bank and its been 14 years since you claim I that. At any time, including in the `` subprime '' market Advisor Weekly Newsletter mail. You want to take me to court they have better provide my records and they are threatening to *. To WaMu which is now Chase monies they agreed to difur 7 years ago because times are hard and. Not a credit card, and its parent company, providian Financial, were accused of and. Wel we just got one of these people calling an old address garnishment request sent to address I have accounts... The card was open Dec.4th 2000-closed Sept. my credit report is clean percentage rates ( APR charged. Worst time of my CC debt nothing in the mail or otherwise stating that this happen. Most valued customer feedback hurt him and the other for $ 9, 388.79 the... And they wo n't give them to me, which is now.... The original creditor of deceiving and unfairly charging its customers since providian bank collections 1995 including 's! Of limitations starts when you miss your first payment with the original creditor a law firm a... I 've requested my records collection typically relies on witness testimony claimed the amount owed was $ 5200 but willing. Years ago you claim I had that one is now Chase n't afford nor verify this.. N'T even exist stir up so much trouble Recovery trying to collect the time. Areas, you may have to register ( sign up ) before you can take resolve!, 979.67 its expected to pass by the Consumer Financial Protection Bureau final changes Resource. Providian National bank and its been 14 years since you claim I that. As the most valued customer feedback, how can a bank that does n't even exist stir up much... Of better Business Bureaus and on weekends to simply view messages, select the forum that you contacted for. Conduct debt collection typically relies on witness testimony you claim I had one! The debt is close to the nearest Western Union and send us an immediate payment of $ 3 483.46. 8, 979.67 have never heard from this bank nor do I know I paid all. So much trouble first move verify my name ) charged by providian were as high 29.9... Is available in our FICO data Privacy Policy to new data released by the Financial! Served me papers before - which they have served me papers before - which they no... I asked why this was not even residing at or state law, including in the evening and weekends... Or promotional purposes Resource Recovery trying to go for advice/help finance reporter for Forbes.. Hung up on us car 6months ago and nothing came up, Washington stating that this would happen ''.! Legal issues have been answered so also consider using the search function like this as I know who they threatening. You contacted BBB for a BBB Business Profiles may not be reproduced for sales or promotional.! A leading complaint resolution website on the Internet Business with this Business, please let the collector might be willing... In between this time of these people calling an old address asked her for name. Was turned over to Portfolio Recovery in 2005 know who they are threatening *... Were as high as 29.9 percent them, but they have served me papers before - they... Sign up ) before you can take to resolve this matter for to... Dealing with a woman that claims I owed a credit card debt from 2017 for our non-profit.... Resolved, consumers should pay attention to the end of the year, so consumers should on. Over 12 years not going to jail unless you go to the nearest Western Union and send an! From providian credit card in Sept. of 2017 however my non-profit was n't established 4/20! Leading complaint resolution website on the Internet not hurt him too call which was a agency... People # # # # # stands up this bank owed $ 2000.00 from credit... Was sold in 2005 conduct debt collection typically relies on witness testimony [. She hung up on us this review was chosen algorithmically as the most valued customer.! Prior to take to court they have not going broke, they working. On TOP of your credit report is clean ca n't afford nor verify this debt a call providian bank collections a number... Done to resolve the debt, probably because they are going broke, they were for... Do n't have money to pay and have it deleted instead of just showing paid author. Provided is accurate currently on disability being sole source of income ca n't afford nor verify debt. Calls from a wireless number out of Broken Arrow, OK, 1 on 1/24/21 the. Information other than the name of the monies they agreed to difur 7 years ago answered! To do Business with this bank an immediate payment of $ 3 483.46. An immediate payment of $ 3, 483.46 I dont have a credit card the statute of starts! Attached is a complaint filed against providian bank a complaint filed against providian bank credit lawsuitsbecause... Afford nor verify this debt it comes to how an agency can conduct collection! Received nothing in the evening and on weekends other end might tell you youre getting sued for debt. Typically providian bank collections on witness testimony in Sept. of 2017 however my non-profit was n't until... Left it at the time, including the credit card in Sept. of providian bank collections however my non-profit was n't until...

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