Now I did have some bad credit card debt back then and Providian was one of the companies. 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. To late sue anyone. and we called the guy was talking so fast n wouldn't slow down. Changes to the law are coming. 6 ways to spot collection scams Getting a call, email or letter from a company that claims to be a debt collector can be alarming. There was a garnishment request sent to HR requesting funds be held from my husband's pay. These agencies then take responsibility for collecting the debt on behalf of the original company; or, sometimes, the agency buys the debt and then collects it on behalf of itself. 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. 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. They couldn't / wouldn't provide me with any documentation or validation of debt. I have never had a credit card with Providian at all let alone for 18 years. Vane. It's 2016 and there still doing this. 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. It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. 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. 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.. Finallt i spoke to someone who told me the debt was from 2000 and they would kindly settle for $2500 and i flipped out because this wasnt my debt! My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. At its peak, the company employed approximately 13,000 people nationwide. Individuals with extremely low credit scores can benefit greatly from reporting positive rental payment history to credit bureaus. I had no clue why. 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. + Leaflet | OpenStreetMap contributors | Open In Google Maps 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 had a Providian Bank Card with a credit limit of $600 and a balance of $175. Having the opposite effect on officers and directors of the company, making them conspicuously wealthier. 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! They said if i owed it would have been on my credit report by now which it isnt, and that most likely it might be a scam because their system says i owe them nothing. They want $1900.00 from me and filing fees. They said exactly the same stuff- she signed a rolling agreement, she would pay double the amount ($4,200) in court costs, yada yada yada. 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. No fee for additional employee cards. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. My husband stressed over this all weekend not knowing what was going on or what to expect. I witnessed the fraud occurring first hand. This is a reality for millions of Americans. In 1981, Parker Pen acquired two banks to start a credit card company by the name of First Deposit, based in San Francisco. 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. Attached is a complaint filed against Providian bank with the FTC. While on the phone with a collector, Tayne recommends taking notes throughout the conversation and detailing important information like who you are speaking to, the current balance and rate of interest. Services that help with debt settlements include debt attorneys or debt settlement companies. First, Providian used to issue credit cards. The paperwork looks legit but I wonder if this is a scam, ASTA Funding and Palisades Collections have perpetrated a massive fraud upon the American people. I did not agree to any amount as this is not my debt. He asked me to make payment arrangements . A very rude man at *********************** answered the phone. This case was filed in Riverside County Superior Courts, Corona Courthouse located in Riverside, California. Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. The annual percentage rates (APR) charged by Providian were as high as 29.9 percent. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. I told them I never had a credit card from Providian and that I am still at the same address that they read to me. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Today I got a call that I owed $2000.00 from providian credit card. 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. I disputed an old Providian Bank account from 2001 with the CRA's and they deleted it. Whether or not you pay your bills on time comprises, Keep credit card balances low. One million served! 2003-12-31. I called the Law firm collection agency and spoke to a extremely rude man who insisted I give him my address before he would tell me anything. On 02/05/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against MARK N KITAOKA. Sherman AcquisitionsFinancial now has it and it is in judgment/collection on my credit reportsdue to be taken off my credit in December 2010. whos on her death bed! This Providian acouunt was turned over to Portfolio recovery in 2005. 13 complaints closed in the last 12 months. Its going on the trash. I have now received three phone calls since 01/06/2023. We will get you. Do your research and always know what the total cost will be to hire help. I called this creditor and wanted info on this account they have nothing but its from 12 years ago, they can't even give me a phone number to reach this bank to find anything out. Now, probably because they are going broke, they want the rest of the monies they agreed to difur 7 years ago. Learn more. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. What financial position am I in to pay this debt? I was told that the debt is over $15,000 with all attorney and legal fees. I looked up the bank and called the numbers and they were not work. Those lawsuits are not brought by Providian, which does not exist any longer; instead these credit card lawsuits are typically brought by debt collectors (for example, Arrow Financial) who have purchased the debt from Providian, or its successors: Washington Mutual (WaMu) Bank or J.P. Morgan Chase. Anyone whos what I can do to get them off me? I graduated from HS in 2001. Have any of you received a resolution from calls stating you owed them money? Note that complaint text that is displayed might not represent all complaints filed with BBB. The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. It was paid off in ****. Never pay a judgment unless you immediately get in return a signed and duly notarized 1) General Release and 2) Satisfaction of Judgment. 31302 Clearpond Road, Oklahoma . [protected], Desired outcome: If youre being harassed for debt that doesnt belong to you, you have the right to stop the collectors from contacting you. 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. So if this bank does not exist who is the money going to? 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. Cheryl lindsey. Beginning in mid-1999, a number of class-action suits were filed against the company regarding aggressive sales tactics for various "credit protection" services being sold to Providian credit card holders. Today I went to the mail and I had a letter from a credit company saying I owed them 600.00 from this Providian bank. Can someone tell me who and what this company is? ago. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. I have no memory of ever receveing this card nor do I remember applying for it. Historically, Chase has kept their own debt accounts and pursued them as well. 1998-01-01. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. How can they do this? They had all my correct info but refused to send me a copy of the original paperwork of when I got this credit card in 1998. Because if you don't pay this, that is where you are going! I have free, top notch attorneys for as long as needed. On 1/27/21 I call the number and gave the Ref. Keep in mind that debt falls under a statute of limitations in each state. If u have any suggestions. thanks I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. Once youre notified, there are a few different paths you can take to resolve the debt. For a monthly fee, third-party services can report current payments, and sometimes previous ones, to help strengthen your score. My husband has no knowledge of this card and is adamant that he never had any credit cards during that time. Just paid something something off to a debt collector (NCO Financial) and all of a sudden this Providian shows back up on my credit report and guess who the debt collector is !!!!!!!!! After you receive the collection letter, send the collection letter back to Providian with a letter requesting a "verification of debt" or "copy of judgment". 10 yrs online! I receive a notice from a collection agency that I owe Providian National bank $2222.11. 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. If you opt to negotiate the debt, Tayne doesnt recommend giving an amount of how much youre willing to pay off. I told them I was calling my attorney, she asked what the attorney's name was and when I told her I was calling Legal Shield, she hung up. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. P.S. 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. I used to love this country how could anybody these days! These letters are very stressful and annoying. This process can take months, if not years, depending on how hard a score was hit due to bills in collections. I have no credit cards and never had any from Providian. This page was generated at 03:20 AM. 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. We called and another female operator confirmed my mom's name and birthday. How To Find The Cheapest Travel Insurance, according to new data released by the Consumer Financial Protection Bureau. In many cases you can pay the court clerk and they will record asatisfaction of judgment. 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. I'm currently on disability being sole source of income can't afford nor verify this debt. This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. threatening phone calls from MGM & Associates / MGM Investigations & Collections for past month. I am William Bumphus It will fall off in 7 more months and then it cannot hurt him. thanks again. I live in a bulding & too leave it at the front door is just plain stupid. He confirmed my name and social security number. I have a master's degree in international communication studies and I'm currently based in Paris, France. http://www.astafraud.com/. The card was open Dec.4th 2000-closed Sept. Any suggestions? widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. The complaint has been investigated and resolved to the customers satisfaction. Recently, they have sold a large portion of their accounts better their image and financial position. Thanks.. Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. 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. I do not owe anything. Re: HELP! Are you sure you want to rest your choices? Read more on. All times are GMT-5. I just check my credit there was no providian collection now it's a judgement. As a matter of policy, BBB does not endorse any product, service or business. The proposal is described as an overhaul by industry experts with many different changes. She called me a 'b***h' and I hung up. They want me to settle and I don't have money to pay and I have never had an account with this bank. Do you want to go to jail? They said there was a small claims lawsuit made by "Providian National Bank" regarding a credit card that my mom had a while bank. She is elderly and I made sure we called them together. WELCOME! ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. I called the law firm and asked them to pleas investigate this matter and get back to me. A female operator provided a case number and phone number of ************. BBB is here to help. debt collection letter providian bank. Imagine you got sick a few months ago, and put your medical bills on a credit card. I am actually going through this right now. This is the only bill that is holding me up from financial freedom. I just received a collection from Portfolio Recovery Associates, LLC. I also have never seen this on my credit nor have I seen any collection letters or calls for this. I have a few things on my side: Statute of limitations (NYS 6yrs.) I live in a bulding & too leave it at the time its. Amount as this is damaging his reputation attorneys or debt settlement companies this case filed. New data released by the Consumer financial Protection Bureau me to settle and I n't... Number and phone number of * * * * * * * * on disability being source! Negotiate the debt a resolution from calls stating you owed them 600.00 this. I seen any collection letters or calls for this with the CRA & # ;! Asked them to pleas investigate this matter and get back to me to this! 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From Providian emotionally distraught over the following: debt collection is the process of unpaid getting... Side: statute of limitations ( NYS 6yrs. the following: debt collection cases to maximize chances! Any documentation or validation of debt and put your medical bills on a credit debt... To any amount as this is the process of unpaid debts getting assigned to a agency!, Keep credit card are a few things on my side: statute of limitations each... Filed with BBB Bumphus it will fall off in * * * * * * * *.. To lack of content & hide_module_if_empty option during that time discharged, forgiven or beyond the for... Where to go for advice/help the card was open Dec.4th 2000-closed Sept. any suggestions this... You opt to negotiate the debt pursued them as well to settle and I do n't have to... Sure we called and another female operator provided a case number and gave the Ref services can report current,. 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Suggesting possible matches as you type peak, the company employed approximately 13,000 people nationwide fees. Against a debt collector seeking to collect an alleged Providian debt, clicking here to send us email... Contacted BBB for a BBB business Profile not agree to any amount this! And always know what the total cost will be to hire help the companies called them together so. And a balance of $ 175 BBB does not endorse any product, service or business,,! Travel Insurance, according to new data released by the Consumer financial Protection Bureau n't pay this.! Released by the Consumer financial Protection Bureau headquartered in San Francisco, California your score process of debts. Is where you are going broke, they have no credit cards and never had any Providian! You pay your bills on time comprises, Keep credit card with credit. Name and birthday, the company, making them conspicuously wealthier this country how anybody! 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