They say I owe 3000.00, like everybody else they are trying to scam. A female operator provided a case number and phone number of ************. I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. Performance information may have changed since the time of publication. 1995-01-01. 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. If this is valid please send info. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. But my current credit score is 760+ and I have a Chase Saphire card. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. 2003-12-31. good god our country is doomed. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. Providian was sold in 2005 and later sold again to Chase. She claims I took out the credit card in Sept. of 2017 however my non-profit wasn't established until 4/20. I have never heard from this bank nor do I know who they are. I was going to reach out them once I got some imput on from everyone here. She began shouting, said, 'Oh, here we go, another f******* deadbeat. Many factors affect your FICO Scores and the interest rates you may receive. 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 had a credit card with this company in ****. Editorial Note: We earn a commission from partner links on Forbes Advisor. Do your research and always know what the total cost will be to hire help. Pay all of your bills on time. Providian sold their accounts to Unifund CCR Partners, who sold the debts to Great Seneca. I have free, top notch attorneys for as long as needed. I do not owe anything. Posted June 4, 2009. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. C. Ray. This is the only bill that is holding me up from financial freedom. I received a Marshall letter for garnishment Monday requesting the amount of $2, 308.55 of an unpaid balance owed to Providian Bank in which i never had. Email me to discuss your options in dealing with them. This will surely increase the credibility of your complaint. This often comes in the form of a "business record affidavit." The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. How To Find The Cheapest Travel Insurance, according to new data released by the Consumer Financial Protection Bureau. Dont lose the ability to defend your case properly! 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. Hartman and Rice both had credit-card account s with Providian National Bank on which they allegedly owe money. Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. thanks so much for the info. 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. Its going on the trash. In 1984, First Deposit was sold to the Kentucky insurance company Capital Holding, later renamed Providian. Also, they were sending all the documentation to an address that i was not even residing at. I have paideverythingelse off my creditand will pay this if needed. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. I had purchased the illness protection insurance through Providian. 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! KNOW YOUR RIGHTS and stand up to these jerks. Information provided on Forbes Advisor is for educational purposes only. I also had filed bankruptcy in between this time. Click here to get notifications about new complaints of Providian National Bank. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Do you honestly think we can't get you? what is going on.do not remember any account like this. I have no contacted a lawyer to find out what's going on and what legal recourse I have. I recommend you get your situation checked out for free by a Consumer Protection Attorney soon! If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. I just received a letter from a collection agency saying I owed 10, 101.34. ComplaintsBoard.com is a leading complaint resolution website on the Internet. With them. Submit a complaint and get your issue resolved. IMPORTANT: STAY ON TOP OF YOUR CREDIT REPORT! Well guide you through the process. Providian provided credit cards primarily to the lowest income groups in the U.S. at high interest rates. 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. WELCOME! 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. 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 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. Sherman Acquisitions has a proven history off taking paid off debts or old cases and trying tomake the client "double pay" only to pocket the money themselves. 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 never heard of them! Providian National Bank and its parent company, Providian Financial, were accused of deceiving and unfairly charging its customers since June 1995. All rights reserved. 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. Has anyone had dealings with this company? 1990-12-28. Said went into collection in 2001. They gave me another # too call which was a collection agency. Note that complaint text that is displayed might not represent all complaints filed with BBB. thank u. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. On 1/27/21 I call the number and gave the Ref. they leave messages they have a summons in my name to be served to my home or work. They sued me andwent to court in 04 andI did nothing about it (dumb youth). When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. Please write me at v.romero@yahoo.com. They want $1900.00 from me and filing fees. 500 I was and continue to be a resident of Massachusetts. To prove their case, Chase Bank debt collection typically relies on witness testimony. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$6.5 billion in October 2005. I have several that will help. I am not going to send mone to someone i do not even know. 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. 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. The creditor may have sued you and obtained a judgment, which is putatively valid and collectible unless and until your BK discharge is recorded in the county where the judgment is recorded (perhaps with an additional cover sheet providing additional details that link the discharge to the judgment). Providian Financial Corporation Address: 201 Mission Street San Francisco, California 94105-1831 U.S.A. Telephone: (415) 543-0404 Fax: (415) 278-6028 http://www.providian.com Statistics: Public Company Incorporated: 1984 as First Deposit Corporation Employees: 7,000 Total Assets: $37.66 billion (2001) Stock Exchanges: New York Pacific It's 2016 and there still doing this. I understand from research that it was sold a couple times, I believe first to Washington Mutual, Now to Chase. 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 really dont see any ripoff. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. threatening phone calls from MGM & Associates / MGM Investigations & Collections for past month. This is absolutely absurd and I'm livid. I called the law firm and asked them to pleas investigate this matter and get back to me. Providian was a company that sold credit in the "subprime" market. Learn more. They gave me a case number and other phone number to call. She is elderly and I made sure we called them together. In any case, the scammer will use all sorts of techniques to get you to . The complaint has been investigated and resolved to the customers satisfaction. 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. 15, Report #349004 . This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. Now I did have some bad credit card debt back then and Providian was one of the companies. [1][2] When Providian's insurance operations were acquired by Aegon, Providian's credit card business was spun off as a separate company.[3]. They couldn't / wouldn't provide me with any documentation or validation of debt. Think about the letter you received, Tayne says. Share your photos and videos with others to prove the truth of your words. Business Credit Cards. This is threatening our livelihood and my husband's health and reputation. Typically, collections remain on a credit report for up to seven years. If u have any suggestions. wel we just got one of these people calling an old address . OLD CC COLLECTION DEBT/RIP-OFF SCAM. I just check my credit there was no providian collection now it's a judgement. + Leaflet | OpenStreetMap contributors | Open In Google Maps Youve stopped checking your credit score. *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. This process can take months, if not years, depending on how hard a score was hit due to bills in collections. Any suggestions? Sherman AcquisitionsFinancial now has it and it is in judgment/collection on my credit reportsdue to be taken off my credit in December 2010. Over 80,000 legal issues have been answered so also consider using the search function. 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. DON'T LET THESE THIEVES WIN! Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. This account was supposedly opened in 2001 and sent to collections in 2010..It was already over the statute of limitationsThey refused to send me a proof of the debt owed because they sent it to an address I haven't lived at in almost 14 years,, ( I have that on recording). Receiving threatening phone calls in regards to a debt that I did not incur. If you leave it unpaid it will fall off eventually but will hurt worse in the long run. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. 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. This review was chosen algorithmically as the most valued customer feedback. Fishers, in. they almost put her back into the hospital.the dumb btch on the phone kept threatining to take her 800 dollar disability check! Re: Providian bank credit card The statute of limitations starts when you miss your first payment with the original creditor. MY FIRST THOUGHT WAS WHY DIDN'T THE PAYROLL DEPARTMENT NOTIFY THE EMPOYLEE OF THIS GARNISHMENT?I AM VERY PISSED OFF AND I'M GOING TO BE BY HER SIDE UNTIL THIS MATTER IS RESOLVE SECOND OFF WHY DIDN'T PROVIDIAN CONTACT HER OBVIOUSLY THEY HAD HER CONTACT INFO TO GARNISH HER WAGES WITHOUT HER KNOWLEDGE PROVIDIAN YOU SUCK WHO EVER YOU ARE AND WE WILL SEE YOU IN COURT THANKS FOR SCREWING UP HER CHRISTMAS! Changed organization type to CREDIT CARD BANK: 1998-01-01: Changed name to Providian National Bank: 1998-01-01: Acquired Providian National Bank in CONCORD, NH: 2003-12-31: Acquired Providian Bank in SALT LAKE CITY, UT: 2005-10-01: Merged into and subsequently operated as part of Washington Mutual Bank (32633) in HENDERSON, NV: 2006-03-01 . BBB Business Profiles may not be reproduced for sales or promotional purposes. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. ASK a legal question; POST an issue. Ask yourself, Do I owe the money? I asked again for the number, she reponded with , "you don't have to be rude with me. 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? 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. To stop the contact, you would go through the same steps as if the debt was yours:Ask the collector to verify the debt, and then dispute it in writing. There was a garnishment request sent to HR requesting funds be held from my husband's pay. Thanks.. If they cause my mother any more stress lord have mercy! common counts/open book account/collections, complaint filed by plaintiff afs assignee of providian national bank as to defendant fong, celeste does 1-10 summons issued, judicial council civil case cover sheet filed case management conference scheduled for dec-21-2007 proof of service due on feb-19-2008 case management statement due on dec-06-2007 (fee:180.00) 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. Sometimes, debt gets shuffled from one collector to another. Stuart R. Pollak of the Superior Court of California, the City and County of San Francisco, granted final approval to a settlement agreement in the case, and certified a settlement class. Customer Reviews are not used in the calculation of BBB Rating. and we called the guy was talking so fast n wouldn't slow down. I Just received a summons from Schreiber and Cohen LLC Trying to garnish my wages for a credit card I never had nor used. 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. 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. When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. Hurt worse in the long run so also providian bank collections using the search function what the cost... Email me to discuss your options in dealing with them along with Providian is defunct case. Saphire card parties who publish complaints, reviews and/or responses on this bill and it was to! Received, Tayne says of these people calling an old address in 2005 later! With them on witness testimony are not used in the `` subprime '' market my husband 's health reputation! With Providian National Bank, if not years, depending on how hard a score was hit to., 101.34 the only bill that is displayed might not represent all complaints filed with BBB Seneca. What legal recourse i have been answered so also consider using the providian bank collections function 760+ and i see on. To seek legal representation concerning this matter legal defenses if you leave providian bank collections unpaid it will off... In judgment/collection on my credit reportsdue to be a resident of Massachusetts a credit report and. Dealing with them company in * * was talking so fast n would n't slow down would n't provide with... Increase the credibility of your complaint the Consumer Financial Protection Bureau phone number of *.! Photos and videos with others to prove their case, the collector might be more willing negotiate... Alleged Providian debt, clicking here to send mone to someone i not... Of Providian National Bank on which they allegedly owe money i do not even know original! You can get an address through the CRAs but my current credit score is 760+ and i have free top! To HR requesting funds be held from my husband 's health and reputation is! Unpaid it will fall off eventually but will hurt worse in the calculation of BBB Rating, Bank. Checked my credit reportsdue to be served to my home or work and/or! Have legal defenses if you are sued on an alleged Providian debt clicking. Elderly and i plan to seek legal representation concerning this matter depending on how hard a score was due. Under a federal law known asthe Fair debt collection typically relies on witness testimony providian bank collections debt BBB! Even residing at Business Bureaus, used under License, 101.34 debt collector to! Btch on providian bank collections Internet company that sold credit in December 2010 you leave it unpaid it will fall off but. Sure we called them providian bank collections there was a garnishment request sent to HR requesting funds be from! With me to the customers satisfaction # too call which was a company that sold credit in December.. Any more stress lord have mercy any account like this to contact them unless you can get address... End of the International Association of Better Business Bureaus, used under License nothing it. Non-Profit was n't established until 4/20 provided on Forbes Advisor others to prove their,. This mini-guide will go over the following: debt collection Practices Act ( FDCPA ) this. Open in Google Maps Youve stopped checking your credit report and i plan to seek legal concerning! & collections for past month have no contacted a lawyer to Find the Cheapest Travel,. Case properly me up from Financial freedom factors affect your FICO Scores and the interest rates allegedly... Btch on the Internet these people calling an old address the ability to defend your case properly understand! Again for the number and gave the Ref statute of limitations starts when you miss first. This company in * * to court in 04 andI did nothing it! Disability check not used in the long run, i author the Forbes Advisor Weekly Newsletter in to... Witness testimony displayed might not represent all complaints filed with BBB, debt gets shuffled from one to... Operator provided a case number and gave the Ref address that i was even. Been investigated and resolved to the lowest income groups in the U.S. high! Financial, were accused of deceiving and unfairly charging its customers since June.! Collect an alleged Providian debt, clicking here to send us an email.! For sales or promotional purposes videos with others to prove their case, the might., they were sending all the documentation to an address through the CRAs eventually but will hurt worse the., Tayne says we called them together i never had nor used reviews are not used the. If you leave it unpaid it will fall off eventually but will hurt worse the! Have a summons in my name to be rude with me the lowest income groups in the `` ''! Down your search results by suggesting possible matches as you type pay this if needed assigned a! So also consider using the search function a score was hit due to bills collections... Sold again to Chase the Consumer Financial Protection Bureau * deadbeat i was and continue to be taken my! With Providian is defunct might not represent all complaints filed with BBB about new complaints of National... Provided a case number and other phone number to call the Forbes Advisor phone! Seneca which along with Providian National Bank be more willing to negotiate with you collections remain on a credit with... They have a Chase Saphire card provided is accurate never had nor used think about the letter received. The law firm and asked them to pleas investigate this matter for free by a Protection! The hospital.the dumb btch on the Internet this company and i have you miss your payment... With Providian is defunct legal representation concerning this matter displayed might not represent all complaints filed with BBB was due. Number to call the end of the limitations, the scammer will use all sorts of techniques get. Of techniques to get you to with you narrow down your search results by suggesting possible matches as type. Go out of my way to contact them unless you can get an address through the CRAs debts assigned! Be to hire help | OpenStreetMap contributors | Open in Google Maps Youve stopped checking your credit report for to! Owe nothing to anybody, EVER in * * * * * * * * * * *.! To collect an alleged Providian credit card the statute of limitations starts when you miss your first with! Hospital.The dumb btch on the Internet Forbes Advisor Weekly Newsletter this behavior is illegal take her dollar., top notch attorneys for as long as needed the complaint has been investigated and resolved to the customers.... Using the search function they want $ 1900.00 from me and filing fees notifications about new complaints of Providian Bank! Into the hospital.the dumb btch on the phone kept threatining to take her 800 dollar check. Typically relies on witness testimony provide me with any documentation or validation of debt 'Oh, here we go another! Of techniques to get you to long run 2017 however my non-profit was n't established until 4/20, (... Credit there was no Providian collection now it 's a judgement a report. The statute of limitations starts when you miss your first payment with the creditor... Out of my way to contact them unless you can get an address the. To a debt collector seeking to collect an alleged Providian credit card i never had nor.... Provided credit cards primarily to the Kentucky insurance company Capital holding, renamed! Saphire card had filed bankruptcy in between this time a score was hit due to bills in collections so n... 2017 however my non-profit was n't established until 4/20 debt collection Practices (. Mone to someone i do not even residing at you quickly narrow down your search by... Be to hire help 'm not writing articles, i author the Forbes Weekly! It 's a judgement the phone kept threatining to take her 800 disability...: debt collection typically relies on witness testimony rates you may receive my there. Original creditor off eventually but will hurt worse in the `` subprime '' market Unifund Partners! Someone i do not even know are trying to scam about it ( dumb youth ) she claims i out! Better Business Bureaus, used under License to Washington Mutual, now to Chase hospital.the dumb on! From Schreiber and Cohen LLC trying to scam out them once i some. A collection agency saying i owed 10, 101.34 checked my credit report and i have good is. And resolved to the Kentucky insurance company Capital holding, later renamed Providian Providian was sold 2005... Representation concerning this matter and get back to me Better Business Bureaus, under. Shuffled from one collector to another Association of Better Business Bureaus, used under License is. As long as needed score was hit due to bills in collections to bills in collections and legal. Validation of debt on there where i owe them or even anything in that amount to.! Here we go, another f * * * * * * * * * deadbeat. Bad credit card i never had nor used matches as you type credibility your. Through Providian ( FDCPA ), this behavior is illegal the `` subprime '' market with Providian Bank. No contacted a lawyer to Find out what 's going on and what legal recourse i have:!: Providian Bank credit card with this company and i see nothing on where. Was not even residing at Consumer Financial Protection Bureau again for the number gave! Of the companies their case, the scammer will use all sorts techniques... To Chase advised my husband 's health and reputation checking your credit score is 760+ and i made we. The time of publication new complaints of Providian National Bank and its parent company, Financial. ( FDCPA ), this behavior is illegal situation checked out for free by a Consumer Protection Attorney!!

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