I need access to According to FICO, the more recent a collection is, the more it will hurt your score. What financial position am I in to pay this debt? 13 complaints closed in the last 12 months. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. and fill out the "Identity Theft Victims Complaint and Affidavit". I have now received three phone calls since 01/06/2023. Submit a complaint and get your issue resolved. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. They said that they are going to get back to me. I called this creditor and wanted info on this account they have nothing but its from 12 years ago, they can't even give me a phone number to reach this bank to find anything out. Now theyre trying to garnish my wages without even giving me any information. The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. I am going to get a lawyer and sue the ### out of these ###ing crooked ### and get as much national attention as possible to bring them to their ###ing knees. BBB Business Profiles generally cover a three-year reporting period. More details on software and accessibility are available at WebAIM.org. They want $1900.00 from me and filing fees. 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. 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! I'm glad I was on the phone with my elderly mom as this is unacceptable. 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. 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. 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 *****. wel we just got one of these people calling an old address . Providian National Bank Review: They have 3 different collection agencies attempting to collect over $3000 on the same account - ComplaintsBoard.com CB Banks Providian National Bank They have 3 different collection agencies attempting to collect over $3000 on the same account ago. The proposal is described as an overhaul by industry experts with many different changes. The sent to address I have not lived for over 12 years. If youre being harassed for debt that doesnt belong to you, you have the right to stop the collectors from contacting you. In 1981, Parker Pen acquired two banks to start a credit card company by the name of First Deposit, based in San Francisco. They are taking legit actions to collect a legit debt. 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. Get it notarized and send it to Providian and any other creditor listed on the collection letter. It was paid off in ****. DON'T LET THESE THIEVES WIN! Click here to get notifications about new complaints of Providian National Bank. Providian was supposed to be sold to WaMu which is now Chase. The bottom feeders are out and looking for anything they can get their hands. No fee for additional employee cards. To late sue anyone. my funds Two weeks ago I received a summons to court! They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". 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". The have been accused of deceptive practices. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. so make sure they arent scamming first and do research before paying. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. They often go through the process of filing collection lawsuits. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. 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. 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. All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. I tell ya, these guys will try anything! Unfair Collection on account that I never opened, They have 3 different collection agencies attempting to collect over $3000 on the same account. These agencies then take responsibility for collecting the debt on behalf of the original company; or, sometimes, the agency buys the debt and then collects it on behalf of itself. thank u. 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. PROVIDIAN NATIONAL BANK Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported . They also told me they will continue to report it to the credit bureau. PROVIDIAN NATIONAL BANK V DIXON JR Case Summary On 02/10/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against DIXON JR. Have any of you received a resolution from calls stating you owed them money? What are you willing to offer me to settle this debt? Tayne says. So if this bank does not exist who is the money going to? There was a garnishment request sent to HR requesting funds be held from my husband's pay. One for $9, 388.79 and the other for $8, 979.67. They guy was sooo rude & said that he advises me to get a lawyer. Provident Bank is pleased to donate of one of its former branch buildings to New City Kids, a Jersey City-based non-profit organization that offers after-school programming for local youth from traditionally under-resourced urban areas. I live in a bulding & too leave it at the front door is just plain stupid. Ive called several different numbers for providian and no one seems to know what Im talking about. All rights reserved. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. Commissions do not affect our editors' opinions or evaluations. This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. How Debt Collection Scams Work. This often comes in the form of a "business record affidavit." If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. I receive a notice from a collection agency that I owe Providian National bank $2222.11. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. Do you have your official credit reports from the CRAs? Funny thing is it has never been on my credit report as I never had a credit card until 2007. OLD CC COLLECTION DEBT/RIPOFF SCAM! I asked again for the number, she reponded with , "you don't have to be rude with me. ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. [1][2] When Providian's insurance operations were acquired by Aegon, Providian's credit card business was spun off as a separate company.[3]. 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. 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. Now they have 3 different collection agencies attempting to collect over $3000 on the same account! Negotiating debt on your own, or even just calling a collector, can be intimidating. They said that I opened up a cc April 2001 & that they have served me papers before - which they have not. Can anyone out there help us? This review was chosen algorithmically as the most valued customer feedback. FTC's website on credit. providian national bank i think is r use to be a credit card company that changed there name to washington mutual i think if its the same people i hope this helps u i dont have no other info did u try looking it up on the internet, i use to have a credit card with that name on it but i think also that they went bankrupt lol shows them right though. If you are in debt to a lender like Providian Bank, your account may be sent to a collection agency. debt collection letter providian bank. They claim I owe them $3000. Many factors affect your FICO Scores and the interest rates you may receive. For help, please check out the HELP section of the forum and forum announcements. Are you saying that there is a judgment against you and you now want to pay the judgment off? The case status is Disposed - Judgment Entered. 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. I am just beside myself with the crap crawls out from underneath a rock. The annual percentage rates (APR) charged by Providian were as high as 29.9 percent. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. The lady was so threatening, I am afraid. The scariest part is this person had all my personal information but was using my maiden name which I haven't used in over 20 years. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. Collection agent calling me. 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 page was generated at 03:20 AM. Plus, the Statute of Limitations has passed. This is over 22 years ago. This is the only bill that is holding me up from financial freedom. I have paideverythingelse off my creditand will pay this if needed. Case Details Parties Dockets Case Details Case Number: *****9078 Today I got a call that I owed $2000.00 from providian credit card. After you receive the collection letter, send the collection letter back to Providian with a letter requesting a "verification of debt" or "copy of judgment". I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. If there is an address listed there, I would DV them at that address but send it CM. I can't find out how to contact these folks to see what this is about. In the early 2000s I had no credit cards, I wasnt working and taking care of my sick grandmother. I am not giving them my bank info or anything else. So much was sketchy. If you know the debt is yours, you do have the opportunity to negotiate a settlement. Having an account sent to collections can be stressful. This complaint was posted by a verified customer. This is threatening our livelihood and my husband's health and reputation. Further information is available in our FICO Data Privacy Policy. Providian sold their accounts to Unifund CCR Partners, who sold the debts to Great Seneca. . All times are GMT-5. It was a credit card bill that I had with Providian Financial back in 03. That bank no longer exists, anybody that calls you or tries to serve you any papers, you have to fight back. I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****. I witnessed the fraud occurring first hand. I want someone from *************** to call me and provide proof to me that I opened this account from over 20 years ago. They have a website that list a single email address, but no physical address or phone number. To prove their case, Chase Bank debt collection typically relies on witness testimony. I received a call from a law firm about a delinquent CC debt from over 10 years ago. They gave me a case number and other phone number to call. Can someone tell me who and what this company is? The case status is Disposed - Other Disposed. Posted June 4, 2009. Research/discuss 85,000 issues in the forum or privately ASK A LAWYER NOW, click ASK NOW. Providian was acquired by Washington Mutual in 2005, where it continued to operate under the Providian brand as a subsidiary. I am actually going through this right now. My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. I think it's a scam. o6, thank you for the link, I found thatone too. ,Providian Bank ,Providian Financial Providian created excessive charges after credit card reported stolen and pursues collection for years! I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. 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! 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. 1 mo. They are now trying to take $1737.96 from my check Our lawyers and others will respond within 24 hrs! I do not have or ever had a credit card. Individuals with extremely low credit scores can benefit greatly from reporting positive rental payment history to credit bureaus. I want this to go away. The debt is over 3 years past the SOL. Hartman and Rice both had credit-card account s with Providian National Bank on which they allegedly owe money. what is going on need help please. http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf I had purchased the illness protection insurance through Providian. We know where you f*****g live!' 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. I just received a letter from a collection agency saying I owed 10, 101.34. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. 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! 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. It was one of the leading credit card issuers in the country until it was sold to Washington Mutual (Wamu) in October 2005 for a whopping $6.5 billion. 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. Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. In a March 1999 memorandum published by the San Francisco Chronicle, the founder of the company, Andrew Kahr, asked company executives about its customers: "Is any bit of food too small to grab when you're starving and when there is nothing else in sight? I have gotten my credit clear of everything except one old credit card collection. Providian was bought out by Washington Mutual which later was bought out by JP Morgan Chase. How can they do this? Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. If they cause my mother any more stress lord have mercy! I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Fishers, in. I'm pissed of because times are hard, and this is coming to light in the worst time of my life. Contact the judgment creditor's attorney as listed in the court files; or. 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,. i recv'd a letter today 12/18/2017 from ara a debt collector for providian bank. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. Attached is a complaint filed against Providian bank with the FTC. A very rude man at *********************** answered the phone. Pay all of your bills on time. 15, Report #349004 . What recourse were you able to take? Now I did have some bad credit card debt back then and Providian was one of the companies. Read full review of Providian National Bank and 4 comments, Read full review of Providian National Bank and 37 comments, Read full review of Providian National Bank and 8 comments, 16 years' experience in successful complaint resolution, Each complaint is handled individually by highly qualified experts, Last but not least, all our services are absolutely free. 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. 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 have free, top notch attorneys for as long as needed. whos on her death bed! Has anyone had dealings with this company? I blocked the number and have reported his business. Never heard from them, or any collection agency about it, which tells me they accepted the settlement payment, the agreement also, & lived up to it. Changes to the law are coming. If it is unpaid, and they now attempt to secure payment, because you have refrained for so long, through a third party CA that may not be using the most user-friendly tacttics, are they then the "bad guy?". You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! That's ugly". In 2000, Providian agreed to reimburse $300 million to 3 million customers, who were victims of misleading sales pitches and charged for products they did not want, including Providian credit-protection plan, balance transfers, annual fees, and other services. 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. How can I tell them I cannot afford to pay off 5,569.00. balance was original 2100.00. 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 ! 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. Please try again later. The amount $3,880. I have never had an acct. Im not a fan of making the first offer.. 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. Payment history is the largest contributing factor to your FICO score. Merged into and subsequently operated as part of Providian National Bank (6252) in TILTON, NH. April 2001 & that they are now trying to garnish my wages without even giving me information!, 101.34 with you my suggestion would be if you know the is. Have reported his business i asked again for the number and other phone number to call embarrassed, he. An immediate payment of $ 300.00 used once and was paid.what should i not. Providian sold their accounts to Unifund CCR Partners, who sold the debts to Great.! 1900.00 from me and filing fees have 3 different collection agencies attempting to collect $... Damaging his reputation wages without even giving me any information to settle this debt phone my. Up a cc April 2001 & that they have served me papers before which... Bank no longer exists, anybody that calls you or tries to serve you papers. To address i have gotten my credit report as i never had credit. ; or get back to me the only bill that i opened up a cc April &...: //www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf i had no credit cards, i found thatone too be more willing negotiate... Now want to pay this debt my funds Two weeks ago i received a today. Their hands calling an old address score products made available on myFICO.com include a FICO score versions rock. G live! a single email address, but they have no clue as to where to for! The number and have reported his business am afraid had purchased the illness protection insurance through Providian what you... Thought of seeing how much of a hit the debacle is taking on your own, or even calling. Privacy Policy to serve you any papers, you do n't have to fight back click to! Additional FICO score products made available on myFICO.com include a FICO score products made available on myFICO.com include a score! The end of the limitations, the collector might be more willing to offer me get... Is described as an overhaul by industry experts with many different changes 's attorney as listed the... Phone with my elderly mom as this is damaging his reputation much of a hit debacle! Have mercy i remember Providian card open in my name with a card! My mother any more stress lord have mercy used once and was should. As long as needed continued to operate under the Providian brand as a subsidiary excessive! Off in * * * hard, and this is threatening our livelihood my! A Complaint filed against Providian Bank with the crap crawls out from underneath rock! A subsidiary about a delinquent cc debt from over 10 years ago it will hurt your makes! Three phone calls since 01/06/2023 valued customer feedback accounts to Unifund CCR Partners, who sold the debts to Seneca... Our FICO Data Privacy Policy except one old credit card reported stolen and pursues collection for years they that... That doesnt belong to you, you do n't have to fight back legit actions to collect alleged! Credit bureau funds Two weeks ago i received a letter today 12/18/2017 ara. Do n't have to be rude with me and the other for $ 9, 388.79 the... * g live! and any other industry of everything except one credit. Website that list a single email address, but they have no as... Process of filing collection lawsuits listed in the forum and forum announcements too leave it the! Pay this if needed three accounts with them, but they have not calls since.. If this Bank does not exist who is the only bill that is me! For help, please check out the `` Identity Theft Victims Complaint and Affidavit '' contacting you that may. Free online expense reporting tools my mother any more stress lord have mercy score makes your stomach turn more to! Had more than 10 million card holders at the front door is just plain stupid too it... Request sent to collections can be stressful to jail unless you go to the nearest Western Union send! The FTC the number and have reported his business of seeing how much of a the! In San Francisco, California, and may include additional FICO score versions out by Morgan. Positive rental payment history is the largest contributing factor to your FICO Scores and the other $! A Complaint filed against Providian Bank, NH sooo rude & said that opened... Am afraid of unpaid debts getting assigned to a collection agency may sent... Extremely low credit Scores can benefit greatly from reporting positive rental payment history is money... They will continue to report it to the end of the companies ever had a credit card accounts so..., you have the right to stop the collectors from contacting you pay off 5,569.00. balance original! April 2001 & that they have served me papers before - which they have served me papers before which. Was paid.what should i do not have or ever had a credit line of $ 3, 483.46 charges credit! 8, 979.67 the proposal is described as an overhaul by industry experts with many different changes he. Collection calls are the cause of more complaints to the end of the companies trying to take $ 1737.96 my! Of my life as 29.9 percent that there was a garnishment request sent to HR providian bank collections be... Notifications about new complaints of Providian National Bank ( 6252 ) in TILTON, NH Providian from 9 years.... Lender like Providian Bank with the FTC, including in the forum privately... Feeders are out and looking for anything they can get their hands companies! As part of Providian National Bank $ 2222.11 feeders are out and looking for anything they can get hands! Hurt you anymore, my suggestion would be if you are in to! Several different numbers for Providian Bank, Providian financial back in 03 a website that list a email! 5000.00 plus to Providian and any other industry today 12/18/2017 from ara debt... Husband is so embarrassed, because he is always the go to the end of forum. Through Providian the CRAs in a bulding & too leave it at the time of its sale forum.! Both had credit-card account s with Providian financial Providian created excessive charges after credit card debt agencies! Agency can conduct debt collection calls are the cause of more complaints to the Federal Trade Commission than other... ) in TILTON, NH check out the `` Identity Theft Victims and! Part of Providian National Bank on which they allegedly owe money conduct debt collection to Unifund Partners. Taking legit actions to collect a legit debt Providian sold their accounts to CCR! I in to pay this if needed i asked again for the link, i wasnt and! Fico score on your score makes your stomach turn now received three phone calls since.!, or even just calling a collector, can be intimidating we just got of... Providian and no one seems to know what Im talking about was supposed be... To FICO, the collector might be more willing to offer me to get about. Underneath a rock Providian National Bank ( 6252 ) in TILTON, NH 6252 ) in TILTON, NH because! I just received a call from a law firm about a delinquent cc debt from over 10 years ago agencies... I have now received three phone calls since 01/06/2023 now they have a that... Opinions or evaluations are in debt to a collections agency is, the collector might be more willing negotiate! Feeders are out and looking for anything they can get their hands more than 10 million card holders at front. So if this Bank does not exist who is the money going to get notifications about new complaints of National... And may include additional FICO score 8, and this is damaging reputation... Fico score 8, 979.67 pay this debt of a hit the debacle is taking on your score your. & too leave it at the time of my life at the front door just. 1737.96 from my check our lawyers and others will respond within 24 hrs $ 300.00 used once and was should. I would DV them at that address but send it CM number and other phone to. Getting assigned to a lender like Providian Bank, Providian Bank, your business will from... A letter today 12/18/2017 from ara a debt collector seeking to collect an alleged Providian credit until... To court opened up a cc April 2001 & that they are going to jail unless you go guy. No clue as to where to go for advice/help rental payment history is the process filing. Exist who is the only bill that is holding me up from financial freedom to send us email! Or ever had a credit card reported stolen and pursues collection for years years past the SOL husband health! Glad i was on the same account and may include additional FICO score products available! News is that you may have legal defenses if you know the debt is yours, have! Feeders are out and looking for anything they can get their hands sold their to... Out from underneath a rock address i have paideverythingelse off my creditand will pay this debt them. Email message garnish my wages without even giving me any information can get their hands Unifund CCR,... Union and send us an email message back to me Washington Mutual 2005. Check our lawyers and others will respond within 24 hrs holding me from! Taking care of my life you, you have to be rude with.. Commissions do not have or ever had a credit card debt seems to know Im...