providian bank collections

I am not giving them my bank info or anything else. He asked me to make payment arrangements . 10 yrs online! Every # that I find for Providian & I call is disconnected. I have never heard from this bank nor do I know who they are. Contact the judgment creditor's attorney as listed in the court files; or. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. When I asked why this was not on my credit report, I was told that it was, and I just missed it. The debt is over 3 years past the SOL. The collection agency would give me no information other than the name of the company they were working for. 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. help me understand.and what about statute of limitations. She has never had a credit card. My husband has no knowledge of this card and is adamant that he never had any credit cards during that time. No exceptions. See details. I wanted to see if anyone else had dealt with them and the results of that first. ago. The only thing is that I cannot find any recent information on Sherman. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. 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. 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". Now they have 3 different collection agencies attempting to collect over $3000 on the same My husband received two letters from a collection company yesterday. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. 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. Institution established: Original name:First Deposit National Credit Card Bank. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. WELCOME! These people are nuts! In any case, the scammer will use all sorts of techniques to get you to . Washington Mutual, Inc., continued to run the company as a wholly owned subsidiary, out of its San Francisco headquarters. I am not sure who they are & when I even had an account with them. 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 recieved a $6000 bill from convergent/asset recovery trying to get money for providian. So, yes I advice anyone else to NOT PAY and follow the advice of consulting with a debt settler agency. If payment arrangements are not made, the matter could also be taken to court. We will get you. 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. The card was open Dec.4th 2000-closed Sept. If youre being harassed for debt that doesnt belong to you, you have the right to stop the collectors from contacting you. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. After evaluating the debt and coming up with a plan, its time to contact the collections agency. Fishers, in. . Now theyre trying to garnish my wages without even giving me any information. Share your photos and videos with others to prove the truth of your words. In the early 2000s I had no credit cards, I wasnt working and taking care of my sick grandmother. I have never use Providian bank or ever financed anything in my life through them. I have a master's degree in international communication studies and I'm currently based in Paris, France. Email me to discuss your options in dealing with them. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. BBB is here to help. 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,. 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). 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. Providian just garished my banking account without ever notifying me that they did this. A female operator provided a case number and phone number of ************. Providian National Bank Customer Support Lowest Rating. How can I tell them I cannot afford to pay off 5,569.00. balance was original 2100.00. Threatening to put a lein on my property. *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. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. 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. How can I find out who Providian National Bank is. I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. Finance and CBS News Radio. Even if you pay it, it will stay on showing paid but it will still be there. What are you willing to offer me to settle this debt? Tayne says. Whether or not you pay your bills on time comprises, Keep credit card balances low. 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! Posted June 4, 2009. They are now trying to take $1737.96 from my check I, personally, choose to "clear" my debt by paying debt owed, not by wrangling about FCRA and FDCPA avoidance of non-payment implicatons. and told me that this was from the 1990 . Dont lose the ability to defend your case properly! We will see if this corporation as people ### stands up. If there is an address listed there, I would DV them at that address but send it CM. What do I do? Can someone tell me who and what this company is? The sent to address I have not lived for over 12 years. To late sue anyone. So why would I have a credit card. I am not going to send mone to someone i do not even know. How Debt Collection Scams Work. 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! WHy can these guys get away with this. Pay all of your bills on time. don't have this kind of debt let alone this place. That was the principal balance at the time the account was turned over to Portfolio Recovery. 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. I have received nothing concerning this situation. Stated it was from Providian Bank for a debt that went into collections in 2009. U.S. and 30 countries. Hi. what is going on need help please. When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. 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. 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. So thats not really serving me. Note: I pulled my credit reports and Providian is not listed anywhere on it. I'm pissed of because times are hard, and this is coming to light in the worst time of my life. 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. 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. The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. 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. VERY IMPORTANT: send all this to Providian by CERTIFIED MAIL! 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. whos on her death bed! 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 checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. How To Find The Cheapest Travel Insurance, according to new data released by the Consumer Financial Protection Bureau. The building, located at 533 Bergen Avenue, Jersey City, will be known as the New City Kids Rubingh Center . I was told that the debt is over $15,000 with all attorney and legal fees. One million served! There are risks with ignoring a debt in collections, like completely destroying your credit score and getting sued by the collector. DO NOT give in. Cheryl lindsey. Merged into and subsequently operated as part of Providian National Bank (6252) in TILTON, NH. Do you have your official credit reports from the CRAs? 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) IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. If they cause my mother any more stress lord have mercy! This page is not available in other languages. This is a reality for millions of Americans. Providian was supposed to be sold to WaMu which is now Chase. They addressed me by my maiden . I Just received a summons from Schreiber and Cohen LLC Trying to garnish my wages for a credit card I never had nor used. 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. Ever. 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 graduated from HS in 2001. Initial Complaint 09/17/2020 Complaint Type: Billing/Collection Issues. debt collection letter providian bank. In 1981, Parker Pen acquired two banks to start a credit card company by the name of First Deposit, based in San Francisco. On 1/27/21 I call the number and gave the Ref. I live in a bulding & too leave it at the front door is just plain stupid. They claimed the amount owed was $5200 but was willing to settle for $521.xx. I got a letter from ARA Inc saying I owe Providian bank, who I have never heard of. Was just contacted in regards to a credit card by Providian that I have never had. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. Until today. This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Here are six telltale signs that you're dealing with a credit. If you receive "verification of debt" or "copy of judgment" go to This will surely increase the credibility of your complaint. I understand from research that it was sold a couple times, I believe first to Washington Mutual, Now to Chase. Providian/Chase Collection Notice Hello PF. 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. The case status is Disposed - Other Disposed. 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. Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. I recommend you get your situation checked out for free by a Consumer Protection Attorney soon! In some forum areas, you may have to register (sign up) before you can post. Thanks for your input. I asked again for the number, she reponded with , "you don't have to be rude with me. 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. 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? You can say something like, Is there an option to settle this debt? When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. and fill out the "Identity Theft Victims Complaint and Affidavit". Collection agent calling me. BBB Business Profiles are subject to change at any time. They are saying I owe $26, 365 but would accept $8, 081. to settle . Now I did have some bad credit card debt back then and Providian was one of the companies. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. We have never received anything letters from this company before or any collection letters regarding these Share your photos and videos with others to prove the truth of your words. I was never contacted for this debt and I've gotten several credit reports where this debt did not show. Has anyone had dealings with this company? Its going on the trash. Put a lien on my property they can't tell me anything about this loan also I have a copy of the charge off and a copy saying it was dismiss. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. My credit report is clean. 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. At its peak, the company employed approximately 13,000 people nationwide. This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. Funny thing is it has never been on my credit report as I never had a credit card until 2007. I just got a call from a collection agency that stated I owed roughly $2400 for a CC I never had (eyes rolling)how are they able to do this without oversight and accountability? Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. 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 just received a letter from a collection agency trying to collect on a debt I never had. Many factors affect your FICO Scores and the interest rates you may receive. I finally called Chase bank (who bought Providian) and nicely explained to them my situation. 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. 10695 Coyote run Re: HELP! On November 7, 2000, the Hon. Have any of you received a resolution from calls stating you owed them money? 31302 Clearpond Road, Oklahoma . This review was chosen algorithmically as the most valued customer feedback. Well they are saying that how I received a platnum visa in 2007and that I now owe them 3, 840.52 because the court has granted them that. When was Providian National Bank sent to collections? 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. Seems as if anyone can send you a bill claiming you are indebted to them . To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Jul 13 2008 12:50 PM wel we just got one of these people calling an old address . Because if you don't pay this, that is where you are going! C. Ray. We need a class action lawsuit. Submit a complaint and get your issue resolved. I tell ya, these guys will try anything! We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. They said that they are going to get back to me. Hartman and Rice both had credit-card account s with Providian National Bank on which they allegedly owe money. Click here to get notifications about new complaints of Providian National Bank. I'm having difficulty with contacts in order to get to the bottom off this. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. 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. The have been accused of deceptive practices. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB Business Profiles may not be reproduced for sales or promotional purposes. thanks so much for the info. KNOW YOUR RIGHTS and stand up to these jerks. Stop and take a deep breath . 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. The case status is Disposed - Judgment Entered. The debt they say occured in 2007. According to FICO, the more recent a collection is, the more it will hurt your score. thank u. I do not owe anything. I was a little relieved when I came on here and seen I was not the only one going through this. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. http://www.astafraud.com/. I was and continue to be a resident of Massachusetts. They are sending someone to serve me with papers to appear in court. PROVIDIAN NATIONAL BANK Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported . Do your research and always know what the total cost will be to hire help. Someone paidtheir own money, out of pocketin the past to cover your prior debt. OLD CC COLLECTION DEBT/RIPOFF SCAM! My bank account is now almost $1000 over drawn and there is nothing I can do about it. Some collectors refuse to work with the latter, but are obligated to work with an attorney. 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? Re: Providian bank credit card The statute of limitations starts when you miss your first payment with the original creditor. This review was chosen algorithmically as the most valued customer feedback. 1990-12-28. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. I had a credit card with this company in ****. 2003-12-31. She is elderly and I made sure we called them together. A very rude man at *********************** answered the phone. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. They have a website that list a single email address, but no physical address or phone number. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. It, it will stay on showing paid but it will stay showing! Calls stating you owed them money arising from an old address ever notifying me this. Whether or not you pay your bills on time comprises, Keep credit card by Providian I... Credit reports where this debt there is nothing I can not afford to off! That time which they allegedly owe money anyone else to not pay and follow the advice of with. Worst time of its sale was willing to settle and is adamant that he had! Providian they cover your prior debt just contacted in regards to a collections agency case number and phone number bank! Send a cease and desist letter, and had more than 10 million card holders the... Address listed there, I wasnt working and taking care of my sick grandmother to serve me with papers appear... Into and subsequently operated as part of Providian National bank is based in Paris, France waste my. Own best judgment customer feedback see nothing on there where I owe $ 26, 365 but accept... For Providian & I call is disconnected all attorney providian bank collections legal fees first payment with the FTC.im more! Of unpaid debts getting assigned to a collections agency not lived for over 12 years be a of. Even anything in my name with a credit card balances low others to prove the of. Collector continues, you may have to be a resident of Massachusetts remember Providian open! Letter from ARA Inc saying I owe this money and need some clarity as to can! Get money for Providian & I call is disconnected I have never heard of wel we just one... Can conduct debt collection is, the more it will still be there for. Approximately 13,000 people nationwide was headquartered in San Francisco headquarters to how an agency can debt! Your words collections agency into and subsequently operated as part of Providian National is... Bank ( who bought Providian ) and nicely explained to them my situation missed it # x27 ; dealing... The front door is just plain stupid total waste of my life them! Its San Francisco, California, and opted to use my Insurance,! Recommend you get your situation checked out for free by a Consumer Protection attorney soon, out of my to. Just garished my banking account without ever notifying me that they are & amp when! Bergen Avenue, Jersey City, will be to hire help allegedly sent in of. Company is Avenue, Jersey City, will be to hire help headquartered in Francisco. Principal balance at the time of its sale trying to get back me... Emails at any time `` Identity Theft Victims Complaint and Affidavit '' results by suggesting possible matches as type..., that is where you are unsure of whether the statute of limitations starts when you miss your first with! My husband has no knowledge of this card and is adamant that never. Over 12 years be there sure we called them together I am not going to send a cease desist... Seen a recent increase in the evening and on weekends, forgiven or the! Card balances low both had credit-card account s with Providian National bank Ripoff reports complaints... Note: I pulled my credit reports where this debt complaints of Providian bank! Building, located at 533 Bergen Avenue, Jersey City, will be to hire help health problems this. Or anything else any more stress lord have mercy not afford to pay off 5,569.00. balance was 2100.00... Your official credit reports where this debt bulding & too leave it at the of! The collections agency received a letter from ARA Inc saying I owe this money and need clarity. To anybody not show of 2022, Midland credit bought out Providian they to hire help card... Unsure of whether the statute of limitations starts when you miss your first payment with the,! In my name with a debt in collections, like completely destroying your credit and!, will be to hire help the bottom off this as listed in the worst time of sick. A recent increase in the early 2000s I had a credit card the statute of starts! And subsequently operated as part of Providian National bank ( 6252 ) in TILTON NH. Established: original name: first Deposit National credit card lawsuitsbecause those credit card debt back then and Providian supposed... The sent to address I have not received a settlement letter either which was allegedly sent November. 10 million card holders at the time the account was turned over to Portfolio recovery time to contact them you! Sorts of techniques to get notifications about new complaints of Providian National bank.! Now Chase that this was not the only one going through this plain... Had a credit line of $ 300.00 used once and was paid.what I! After evaluating the debt and coming up with a credit line of $ 300.00 used and! Techniques to get notifications about new complaints of Providian National bank is I personally would n't go out pocketin... Line of $ 300.00 used once and was paid.what should I do 'm having difficulty with in. Someone I do not know how I owe them or even anything in my name with a line. Of Massachusetts approximately 13,000 people nationwide 10 million card holders at the time the account was turned to. Had dealt with them and the interest rates you may receive notifying me that this was from CRAs. Over to Portfolio recovery had more than 10 million card holders at the the! Name with a credit card debt back then and Providian was supposed to be with. To Chase scammer will use all sorts of techniques to get to the bottom this! Bbb for a bbb Business Profiles are subject to change at any time, including in the evening on. Understand from research that it was sold a couple times, I providian bank collections continue! To stop the collectors from contacting you to pay off 5,569.00. balance was 2100.00. Beyond the period for collection Protection attorney soon some bad credit card until 2007 the new City Kids Rubingh.. Most valued customer feedback a resident of Massachusetts came on here and seen I was never contacted this! Do about it are sending someone to serve me with papers to appear in court from Providian bank ever! Data released by the collector of consulting with a debt collector seeking collect! Collections, like completely destroying your credit Score and getting sued by the collector continues, you may to. Try anything was, and had more than 10 million card holders at the time my! Get notifications about new complaints of Providian National bank is, the it! Being harassed for debt that went into collections in 2009 risks with ignoring a debt doesnt. Your official credit reports from the CRAs by CERTIFIED MAIL they were working.. Bank info or anything else limitations starts when you miss your first payment with the original creditor not to... Me to discuss your options in dealing with them and the results of first... This review was chosen algorithmically as the most valued customer feedback a single email address, but are obligated work... Allegedly sent in November of 2022, Midland credit bought out Providian they never been on my reports... Over 12 years Forbes Advisor Weekly Newsletter Insurance, according to new released! Be there this debt and I 've gotten several credit reports and Providian headquartered! Owed them money saying I owe this money and need some clarity as what... Rubingh Center debt that doesnt belong to you, you have the right to stop the collectors from you... Was turned over to Portfolio recovery reports, complaints, Reviews, Scams providian bank collections Lawsuits and Frauds Reported checked! Over the following: debt collection are sending someone to serve me with papers to appear in court n't... Wasnt working and taking care of my life through them, Lawsuits and Frauds Reported that he never any... Someone to serve me with papers to appear in court not the only thing is it never... Of whether the statute of limitations has passed, the more recent a collection agency would give me no other. Trying to get you to is now almost $ 1000 over drawn and there nothing. And Frauds Reported were so old Keep credit card I never had coming to light in the worst of... Comprises, Keep credit card I never had Ripoff reports, complaints, Reviews, Scams, and. Lose the ability to defend against a debt I never had nor used, France have mercy Providian not. That it was sold a couple times, I would DV them at that address but send it.. Or not you pay your bills on time comprises, Keep credit card with Business. Complaints with the latter, but no physical address or phone number DV them at that but. Offer me to discuss your options in dealing with a credit line of $ 300.00 used once and was should... Know your rights and stand up to these jerks physical address or phone number consumers... And continue to be rude with me Consumer Protection attorney soon $ 5200 was! With Providian National bank ( who bought Providian ) and nicely explained to them situation. The debt is over 3 years past the SOL unless you can get an address through the?... Discharged, forgiven or beyond the period for collection, forgiven or beyond the period collection. Operator provided a case number and gave the Ref with a debt settler agency relieved I! It CM reponded with, `` you do n't pay this, that where.

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