We know where you f*****g live!' wouldn't give us any info, and wouldn't listen . 2023 Forbes Media LLC. They also told me they will continue to report it to the credit bureau. Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. Get it notarized and send it to Providian and any other creditor listed on the collection letter. A large majority of debt lawsuits (over 90%) are against individuals who don't have legal representation. All they gave me was the CC#. Sean Pyles leads podcasting at NerdWallet as the producer and host of NerdWallet's "Smart Money" podcast. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. Meaning of providian. Are you sure you want to rest your choices? Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. If they call again tell them to send you a letter of the details regarding that debt if they say anything in the realm of pay us now over the phone it's a scam. We believe that a truly successful business puts customers first. If you find yourself in this situation, know you can seek free legal advice and/or pro bono counsel by looking up nonprofit legal aid organizations in your state. This information may be different than what you see when you visit a financial institution, service provider or specific products site. I rec'd 2 letters today from a lawyers office with a "city marshall" heading. " You cannot get away from us. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. They say I owe them $3037. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. BBB Business Profiles may not be reproduced for sales or promotional purposes. I Just received a summons from Schreiber and Cohen LLC Trying to garnish my wages for a credit card I never had nor used. All financial products, shopping products and services are presented without warranty. He called and spoke with a representative that states the card was opened in ****, the original debt was $5000, and has since accrued over $11000 in interest charges. Providian needs to accurately report to the credit bureaus that my MasterCard is "paid as agreed" and "paid in full". My job has a strict policy about garnishments including termination. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. The sent to address I have not lived for over 12 years. A very rude man at *********************** answered the phone. By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) 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. So if this bank does not exist who is the money going to? Vane. Location of This Business One Mobility Plaza PO Box 156, Sewell, NJ 08080 Another company just called me about the same account and the woman on the phone stated she worked for an attorney, though she refused to say what attorney. 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! The greater the debt and the longer its been in collections the more likely the creditor is to accept a settlement. my funds The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. As with any negotiation, start lower than your target. They want me to settle and I don't have money to pay and I have never had an account with this bank. I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****. What does providian mean? Do this as soon as you know you're going to have trouble paying your bills, and you could benefit from a lower APR, temporary forbearance or deferment, waived late fees or other accommodations depending on your financial situation. The card was open Dec.4th 2000-closed Sept. 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. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. OLD CC COLLECTION DEBT/RIPOFF SCAM! >>More: 7 Debt Tips from People Who've Been There. 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. 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. At the time it was sold, the Providian Bank had more than 10 million card holders. As a matter of policy, BBB does not endorse any product, service or business. And although laws vary state by state, collections agencies are generally not allowed to use unfair practices like adding fees and interest on top of what you owe (since they're already making a profit from it), nor can they threaten to take your property through illegal means. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. His writing has appeared in The New York Times, USA Today and elsewhere. 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. There is an introductory balance transfer fee of 3% or $5, whichever is greater for transfers completed within the first 4 months of account opening. To pay off a collections account, you can make a payment plan, settle the debt or pay it off in full. Our mission . The study shows that, from 1993 to 2013, the number of debt collection lawsuits steadily doubled from at least 1.7 million cases to 4 million cases nationwide. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? It's probably a scam, collection agencies usually send letters to your home to settle the debt before using other types of harassment. . If the agency gets you to pay your debt back (plus interest and late fees), it gets a commission. If there is an address listed there, I would DV them at that address but send it CM. i recieved the same thing. So they mailed me a letter asking me to make payment arrangements . Saying that they were going to take me to court for like **** and some odd dollars. She has never had a credit card. File a complaint to Providian National Bank, They have 3 different collection agencies attempting to collect over $3000 on the same account, Providian National Bank - They have 3 different collection agencies attempting to collect over $3000 on the same account, Providian National Bank - illegal debt collection practices, Providian National Bank - fraudulent collection practices, Providian National Bank - palisades acquisitions, Providian National Bank - Collection agency, Providian National Bank - Fraudulent Debt, Providian National Bank reviews & complaints. 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. Kathy Hinson leads the Core Personal Finance team at NerdWallet. 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 am far from unreasonable, and I pay what I owe, if I owe. Be sure to tell your creditor about any financial hardships you're experiencing, such as a recent layoff, furlough or reduction in working hours. My husband has received a letter from a Collection Agency for a Credit Card account which was closed and written off as a bad debt in 2009. . She earned a bachelors degree in journalism and mass communications from the University of Iowa. 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. 2. 2023 SELECT | All rights reserved. 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? It's very simple: Someone contacts you often by phone, but also by text message, fax, mail or email and claims that you owe a debt. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. There are a few things you can do to stop this process before it even starts. Ive called several different numbers for providian and no one seems to know what Im talking about. but every single month my bill shows 18.99%. If they want to take to court they have better provide my records. This is the only bill that is holding me up from financial freedom. The proposal is described as an overhaul by industry experts with many different changes. and we called the guy was talking so fast n wouldn't slow down. I have no contacted a lawyer to find out what's going on and what legal recourse I have. They sued me andwent to court in 04 andI did nothing about it (dumb youth). 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. ComplaintsBoard.com is a leading complaint resolution website on the Internet. After evaluating the debt and coming up with a plan, its time to contact the collections agency. Is that legal?? See details. Learn more. I'm glad I was on the phone with my elderly mom as this is unacceptable. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. You can reach us on our office telephone (386-444-3032),by fax (888-990-1460)or by clicking here to send us an email message. If they cause my mother any more stress lord have mercy! So thats not really serving me. 10 yrs online! I called the number on the bill, and they gave me about 20 different number and kept telling me other people were handling the debt. I witnessed the fraud occurring first hand. 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. My bank account is now almost $1000 over drawn and there is nothing I can do about it. I honestly dont know what to do or if this is legit. Send the agency a letter by mail asking them to confirm their debt in writing. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. I think you can correct this whole thing including the judgement - go to debtorboards.com and post your question. 2019 Legislative Session Update for Victims and Service Providers, 2021 Legislative Session Open Government Update. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. My credit report is clean. She began shouting, said, 'Oh, here we go, another f******* deadbeat. I am not going to send mone to someone i do not even know. not gonna wait for them to do what ever they want. They say I owe them $32, 726. The lady was so threatening, I am afraid. Quick Question I just got summoned for a credit card that I dont even recall was mine apparently they put on a Judgement againt me on 10/1/2007 and now i just recieved a letter from the . On "Smart Money," Sean talks with Nerds across the NerdWallet Content team to answer listeners' personal finance questions. But consumers have options and rights when going through the process. I will not allow them to disrupt my life. 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. So how do we make money? This is threatening our livelihood and my husband's health and reputation. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. Same here after 11 years. 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. They are both reporting the same account and account balance. Hi. Make sure the terms of this agreement are correct before making a single payment. I was issued a court order from ForXXX & GarXXX pertaining to a Providian bill I do not owe. I sent them a reply requesting disclosure of this debt well over 6 months ago! 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. After about six months (depending on the lender), they will give up. The collector cannot. All times are GMT-5. If you come into money through a tax refund or inheritance, or if you just hustle to earn the money, paying off the debt in full with a single payment can quickly resolve your debt collection woes. At this point, your creditor is cutting its losses and is no longer involved. The bottom feeders are out and looking for anything they can get their hands. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. I do not owe anything. 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. Information provided on Forbes Advisor is for educational purposes only. I'm a senior consumer finance reporter for Forbes Advisor. The card was open Dec.4th 2000-closed Sept. She is elderly and I made sure we called them together. Johndowning01@gmail.com We called and another female operator confirmed my mom's name and birthday. The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. No Annual Fee. It's your word against theirs. I want someone from *************** to call me and provide proof to me that I opened this account from over 20 years ago. 12 . I have free, top notch attorneys for as long as needed. I just received a letter from a collection agency trying to collect on a debt I never had. To get your free credit report authorized by law, go to AnnualCreditReport.com or call (877) 322-8228. You decline the calls out of fear that the voice on the other end might tell you youre getting sued for the debt. Accepted at millions of. Negotiating a settlement takes persuasion and caution. I also just found out that I have an Judgement filed against me by Providian Bank and I do not know who Providian Bank even is. After that, your fee will be 5% of each transfer (minimum $5). If the debt is more than 3 years old, you may not be able to be sued - but some items can still be reported to credit. Sometimes, debt gets shuffled from one collector to another. OLD CC COLLECTION DEBT/RIP-OFF SCAM. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Business & Economics23 In October, the acquisition of Providian Financial credit card company for $6.1 driven by our long track . It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. I have never had a credit card from Providian nor have I ever received a Statement from them, never heard from a collection agency until now and there is no record of Providian Bank on my credit reports from Transunion and Experian or Credit Karma. How the debt collector will report the debt to credit bureaus. The card was open Dec.4th 2000-closed Sept. You may be upset, but trying to get revenge will not work. widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. http://www.astafraud.com/. Read more about Select on, Best Debt Consolidation Loans for Bad Credit, Personal Loans for 580 Credit Score Lower, Personal Loans for 670 Credit Score or Lower, National Foundation for Credit Counseling, One of the best travel credit cards has a new 80,000-point bonus offer. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. I really dont see any ripoff. Be sure to get everything in writing. Providian/WaMu is reporting an old SOL credit card on my credit reports. Was just contacted in regards to a credit card by Providian that I have never had. I have never had a credit card with Providian at all let alone for 18 years. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. Texas consumers have reported many tactics used by debt collection scammers. : If you owe money, the lender will sometimes hire a debt collection agency to try and get you to pay. 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.. The statute of limitations on a credit card in Illinois is 5 years from default or last payment, whichever is later. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. Funny thing is it has never been on my credit report as I never had a credit card until 2007. This is absolutely absurd and I'm livid. Pre-qualified offers are not binding. I donot even know who Providian National Bank is. Supposeonly owing over $11000 they will settle for $2000. Now theyre trying to garnish my wages without even giving me any information. First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. Providian was sold in 2005 and later sold again to Chase. [br] OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. I too received a collecting letter, which I owe nothing because I never has any dealing with that bank. Do you want to go to jail? In any case, the scammer will use all sorts of techniques to get you to pay intimidation, lies, harassment, etc. It will fall off in 7 more months and then it cannot hurt him. Be sure you set an amount and schedule that won't strain your budget to the breaking point. A Member . There are risks with ignoring a debt in collections, like completely destroying your credit score and getting sued by the collector. thanks again. Two weeks ago I received a summons to court! 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. Read more:These newlyweds paid off $21,000 in credit card debt by following their own ruleshere's exactly how they did it. .$3000. Select spoke withShelly-Ann Eweka (CFP, ChFC), a wealth management director at TIAA, who shares everything you need to know about debt collections. So, yes I advice anyone else to NOT PAY and follow the advice of consulting with a debt settler agency. With a focus on thoughtful and actionable money advice, Sean provides real-world guidance that can help consumers better their financial lives. 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. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. 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". In some forum areas, you may have to register (sign up) before you can post. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". 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. Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. Ask yourself, Do I owe the money? The collection agency would give me no information other than the name of the company they were working for. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. Today I got a call that I owed $2000.00 from providian credit card. This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. We earn a commission from affiliate partners on many offers and links. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. 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 ! It can take up to seven years for your past-due history to disappear completely off your report, but as you work toward settling outstanding debts your score will consistently increase with time. NerdWallet strives to keep its information accurate and up to date. 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. Jan. 17, 2002. 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). The Forbes Advisor editorial team is independent and objective. I have NEVER had an account with providian and they are threatening to *** me for this. If u have any suggestions. Over 80,000 legal issues have been answered so also consider using the search function. Cheryl lindsey. Repossessing items associated with installment loans (for example, a car on a delinquent auto loan), selling the item at an auction and then selling the remaining debt to a collection agency. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. The most common types of debt that go to collections are credit card balances and medical bills, but there are many other reasons why people go into debt. . I have a few things on my side: Statute of limitations (NYS 6yrs.) Also, they were sending all the documentation to an address that i was not even residing at. ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. Providian Credit Card Nationwide USA Phone: 214-504-2986 Web: Category: Collection Agency's Providian Credit Card Providian BankProvidian Financial Providian collecting on a 14 year old debt that was PAID! We want our residents to feel at home and know they can count on us to answer questions and resolve issues promptly, honestly, and respectfully. 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. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. Our opinions are our own. Ask them to place a fraud alert on your credit report.
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