Business & Economics23 In October, the acquisition of Providian Financial credit card company for $6.1 driven by our long track . They said that I opened up a cc April 2001 & that they have served me papers before - which they have not. It's probably a scam, collection agencies usually send letters to your home to settle the debt before using other types of harassment. I, personally, choose to "clear" my debt by paying debt owed, not by wrangling about FCRA and FDCPA avoidance of non-payment implicatons. 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. Now, probably because they are going broke, they want the rest of the monies they agreed to difur 7 years ago. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. Credit Target. I have no credit cards and never had any from Providian. If you want to settle for 50% of what you owe, for example, try starting at 30%. I never heard of them! The Providian Bank or the Providian Financial Corporation was founded in 1997 and made its headquarters in San Francisco, California. This is supposedly from 2003 or 2004 making this an approx 13 year old issue again past Fl. In any case, the scammer will use all sorts of techniques to get you to pay intimidation, lies, harassment, etc. TheCiti Simplicity Cardlets you pay off debt over a long period, with a 0% intro APR for 21 months on balance transfers from date of first transfer (after, 18.74% - 29.49% variable APR; balance transfers must be completed within four months of account opening). Negotiating a settlement takes persuasion and caution. It will likely report it as partial payment rather than paid in full, but make sure you know before you agree. However, this does not influence our evaluations. How can they do this? Here is a list of our partners. Close. The reason my husband got a providian credit card was. The three major credit bureaus(Experian, Equifax and TransUnion) are offering free weekly credit reports for the next year. Learn more. What am I supposed to do with that if I cant get in touch with anyone from this bank? 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. I have Calvary portfolio collection agency, contacting me about a providian credit card from 2003. I told them I never heard of them. See details. I have several that will help. Both of these banks were sued by many people for deceptive banking practices. I live in a bulding & too leave it at the front door is just plain stupid. >>More: 7 Debt Tips from People Who've Been There. This should remove the collection from their files. You seem to acknowldege the debt. Providian Visa Platinum with real Benefits. By the way one last thing. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. This is the only bill that is holding me up from financial freedom. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. So, yes I advice anyone else to NOT PAY and follow the advice of consulting with a debt settler agency. OLD CC COLLECTION DEBT/RIP-OFF SCAM. How can I find out who Providian National Bank is. 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. Try a balance transfer card to get out of debt. + Leaflet | OpenStreetMap contributors | Open In Google Maps 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. She has never had a credit card. I told her I was not going to speak with her or even verify my name. Submit a complaint and get your issue resolved. 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. However, a new report from Pew Charitable Trustfound that increasingly, collections companies are taking debt settlements to civil court. A female operator provided a case number and phone number of ************. Now they have 3 different collection agencies attempting to collect over $3000 on the same account! Threatening to put a lein on my property. And I have either to pay $100.00 a month till the $2000.00 is paid or pay lamp sum of $1400.00 or it will continue the judgement process to my count. But with effort and patience, a score will eventually recover. Helps credit card holders safeguard their ability to make payments. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. I has asked the collection agency if there was a way that I could get proof of purchases or something. The card was open Dec.4th 2000-closed Sept. my close friend had a providian card back in the late 90's LATE 90'S AMERICAN PPL CAN YOU HEAR ME? If there is no address listed, I'd write to the CRAs and request it. With the counselor's help, call the collections agency and arrange a payment plan so the delinquent marks roll off your credit report as quickly as possible. Write them down. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$ 6.5 billion in October 2005. these providian [censored] are trying to go after my sick mother! this shows you just how much companies don't care about the american pple HELLO PROVIDIAN WHO EVER YOU ARE WE ARE IN A RESESSION DUH CAN YOU HEAR ME? I can't find out how to contact these folks to see what this is about. Credit Karma receives compensation from third-party . They said they had left it at the front door. they almost put her back into the hospital.the dumb btch on the phone kept threatining to take her 800 dollar disability check! As with any negotiation, start lower than your target. Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. 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. 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. This compensation comes from two main sources. Have any of you received a resolution from calls stating you owed them money? The complaint has been investigated and resolved to the customers satisfaction. I've been featured as a personal finance expert in outlets like CNBC, Yahoo! Contact the National Foundation for Credit Counseling (NFCC) and ask towork with a nonprofit credit counselor. I had purchased the illness protection insurance through Providian. 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. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. She is elderly and I made sure we called them together. I did not agree to any amount as this is not my debt. They have a website that list a single email address, but no physical address or phone number. Never attempt to "scam the scammer." We believe everyone should be able to make financial decisions with confidence. 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. Information and translations of providian in the most comprehensive dictionary definitions resource on the web. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. Its expected to pass by the end of the year, so consumers should pay attention to the final changes. I used to love this country how could anybody these days! They say I owe the same thing. Johndowning01@gmail.com 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. IMPORTANT: STAY ON TOP OF YOUR CREDIT REPORT! Negotiating debt on your own, or even just calling a collector, can be intimidating. 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. If the debt is not on your credit report, that does not necessarily mean the debt is not valid. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. Services that help with debt settlements include debt attorneys or debt settlement companies. To get your free credit report authorized by law, go to AnnualCreditReport.com or call (877) 322-8228. #1 Providian bank credit card 09-16-2015, 12:37 PM Today I got a call that I owed $2000.00 from providian credit card. If you are dealing with Providian or one of its other companies, under a different name, be sure you have paid them off, and be certain that they do not cheat you. 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 looked up the bank and called the numbers and they were not work. Tuesday, August 5, 2003 I am sending Providian their final letter. Even if I did, staute of limitations passed over 15 years ago. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. The Web's Largest Resource for Definitions & Translations. I'm having difficulty with contacts in order to get to the bottom off this. To start digging out of debt that's already in collections, "get some help quickly," says Eweka. Pre-qualified offers are not binding. 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. But consumers have options and rights when going through the process. Jan. 17, 2002. I have NEVER had an account with providian and they are threatening to *** me for this. Think about the letter you received, Tayne says. 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: 1. First of all, the law prohibits debt collectors from lying, threatening you with things they can't do or posing as government officials. KNOW YOUR RIGHTS and stand up to these jerks. This option can help you pay off the debt in a manageable way. It will likely report it as partial payment rather than paid in full, but make sure you know before you agree. Make sure the terms of this agreement are correct before making a single payment. 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 *****. I told him for what ? You may also be sued. Providian National Bank 8 complaints 1 resolved 7 unresolved File a complaint to Providian National Bank Providian National Bank contacts (added by reviewer) Phone number +1 (603) 228-4482 Category Banks View all Providian National Bank contacts Most discussed complaints 1 (opinions to this review) 1 (opinions to this review) This is a reality for millions of Americans. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Read more:These newlyweds paid off $21,000 in credit card debt by following their own ruleshere's exactly how they did it. I have now received three phone calls since 01/06/2023. *** never had an account with them havent had a credit card with ********** all of this and they proceeded to ask me if I was willing to do their settlements to which I said no this is not my account Im not paying for anything and he said OK within 3 to 5 days you will be receiving paperwork that will have a court date issued on it for you to appear and state your claim never had a card with this company will not be paying will be fighting this, even if I have to hire an attorney. Your first debt-payoff priority should be addressing the types of debts most likely to be toxic. I say bring it on because I will sue the crap out of them right back.So let them bring it on! Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. and fill out the "Identity Theft Victims Complaint and Affidavit". Ask Your Own Legal Question. Login . FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. I witnessed the fraud occurring first hand. In any case, the scammer will use all sorts of techniques to get you to . I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. It also can lead to the debt being marked paid in full on your credit reports, which can offset some of the damage done by delinquent debt. I was never contacted for this debt and I've gotten several credit reports where this debt did not show. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. The opinions you read here come from our editorial team. We'd love to hear from you, please enter your comments. His credit report had so many errors on it. providian medical equipment LL C Mr. Dave Skoke ,Providian Medical Equipment LLC, having place of business 5335 Avion park Dr. Unit A highland heights, Ohio 44143 Providian is a group of bad people. About the author: Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. As with any negotiation, start lower than your target. Image Credit. Changes to the law are coming. I rec'd 2 letters today from a lawyers office with a "city marshall" heading. " If someone contacts you about a debt you owe, you can quickly identify whether it's real or fake. Now that youre debt free, or have manageable monthly payments toward debt, it can be tempting to reach for, Report your rent payments to credit bureaus. They searched my social, name, and address. Can someone tell me who and what this company is? If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. I was a little relieved when I came on here and seen I was not the only one going through this. My credit report is clean. 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. ComplaintsBoard.com is a leading complaint resolution website on the Internet. Many or all of the products featured here are from our partners who compensate us. When evaluating offers, please review the financial institutions Terms and Conditions. I have never heard from this bank nor do I know who they are. I honestly dont know what to do or if this is legit. Before you make a payment on a debt, first determine whether the debt is past the statute of limitations so you can handle it properly. Past performance is not indicative of future results. You may have inadvertently reaffirmed the debt - which can now be put on your credit report. When he's not writing about personal finance, Sean can be found digging around his garden, going for runs and taking his dog for long walks. After that, your fee will be 5% of each transfer (minimum $5). According to Debt.org, there are three phases to debt collection: Six months is the general guideline, but according to Eweka there is "no set rule" on how many times you'll get a phone call or letter before your debt is turned over to an agency. Email me if u know . 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. Providian was sold in 2005 and later sold again to Chase. However, they may be able to leverage the legal system in surprising ways, like suing you or freezing your assets. Previously entered content was automatically saved. I am not going to send mone to someone i do not even know. Sometimes, debt gets shuffled from one collector to another. , paying off the debt in full with a single payment can quickly resolve your debt collection woes. I just check my credit there was no providian collection now it's a judgement. Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. We will see if this corporation as people ### stands up. 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. [br] I have never use Providian bank or ever financed anything in my life through them. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. Providian called me, offered the settlement, to which I agreed, sent them the money they required to fulfill the settlement at that time, & that was that- done, over. Share your photos and videos with others to prove the truth of your words. http://www.palisadescollections.com/ Also known as PROVIDIAN NATIONAL .A collection agency has sent me a letter stating I owe them for a credit card I never even had.From an address I never even lived at on 9/04/2009. I think it's a scam. If u have any suggestions. 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. Net change, score up from 584 to 598. For instance, a number of card issuers includingAmex,Bank of America,Chaseand more have stepped forward to offerfinancial assistance programs in light of the coronavirus pandemic. Realizing you have debt in collections can be scary. I received a call from ************** saying I owe money to Providian National Bank. 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. If it's not, you have three main options to pay off a debt in collections: Heres a breakdown of each tactic to pay off a collection agency. My bank account is now almost $1000 over drawn and there is nothing I can do about it. One of the surest ways to avoid a debt collection scam is to know all of your real or valid debt. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. I am far from unreasonable, and I pay what I owe, if I owe. Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. 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). this is very weird that they sent me the letter with an old address i use to live at with the wrong Social Security number. Do you honestly think we can't get you? Waving the flag here! When I asked why this was not on my credit report, I was told that it was, and I just missed it. 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.. They say I owe them $32, 726. The more you engage with scammers, the more likely you'll lose more money and time. There are exemptions to this, so you may want to consult a tax expert. Help! "The best thing to do to avoid having your debt going to collections is contact the creditor to set up a payment plan or ask for reduction on the amount of debt owed," says Eweka. You cannot get away from us. Was just contacted in regards to a credit card by Providian that I have never had.

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