The card was open Dec.4th 2000-closed Sept. Image Credit. Select a topic to see what people are saying about different issues Professional development It was a credit card bill that I had with Providian Financial back in 03. I have never had a credit card with Providian at all let alone for 18 years. 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. The opinions you read here come from our editorial team. If you want to settle for 50% of what you owe, for example, try starting at 30%. My bank account is now almost $1000 over drawn and there is nothing I can do about it. : If you owe money, the lender will sometimes hire a debt collection agency to try and get you to pay. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Keep in mind that debt falls under a statute of limitations in each state. It was paid off in ****. The bottom feeders are out and looking for anything they can get their hands. His credit report had so many errors on it. 3. I asked again for the number, she reponded with , "you don't have to be rude with me. ASK a legal question; POST an issue. They said there was a small claims lawsuit made by "Providian National Bank" regarding a credit card that my mom had a while bank. Same here after 11 years. However, a new report from Pew Charitable Trustfound that increasingly, collections companies are taking debt settlements to civil court. 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! Sorry this is vane again my correct email address is v.romero2@yahoo.com. Weigh the pros and cons of funneling money into wiping out debt versus the loss of money for other expenses. Thereafter my account went into collections . I am just beside myself with the crap crawls out from underneath a rock. All financial products, shopping products and services are presented without warranty. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. Now, Chase is reporting the same account. This option can help you pay off the debt in a manageable way. Previously, she spent 18 years at The Oregonian in Portland in roles including copy desk chief and team leader for design and editing. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. And through our passion for real estate, we take care of our owners' properties like our own. Get it notarized and send it to Providian and any other creditor listed on the collection letter. 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. 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. The court clerk will then attempt to reach the judgment creditor and, if their efforts fail, the money reverts to the state presumably to help widows, infants and orphans. 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. 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. Providian was sold in 2005 and later sold again to Chase. Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. And, LVNV is reporting a hugely wrong balance on this old account(if they are even reporting my actual account..they won't validate). I had no clue why. The greater the debt and the longer its been in collections the more likely the creditor is to accept a settlement. All rights reserved. I have no memory of ever receveing this card nor do I remember applying for it. 9-26-2001 I submitted to Providian Credit Card Company a Collection Agency's: Providian Credit Card Nationwide. 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. If the agency is unsuccessful, your creditor sells your debt to a collections agency (sometimes known as a debt buyer) for pennies on the dollar. If your debt has not gone to collections yet, one option to help you save tons on interest and pay it off more quickly is to use a balance transfer credit cardthat offers 0% interestfor a certain length of time (anywhere from six to 21 months). P.S. Once youre notified, there are a few different paths you can take to resolve the debt. Both of these banks were sued by many people for deceptive banking practices. these providian [censored] are trying to go after my sick mother! I also have never seen this on my credit nor have I seen any collection letters or calls for this. Any suggestions? Keep in mind that not all debt collectors and creditors provide information to the credit reporting companies. Providian Credit Card Debt Lawsuit - Helping Florida Consumers The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. This page was generated at 05:43 AM. A very rude man at *********************** answered the phone. I do not owe anything. You may be upset, but trying to get revenge will not work. 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.. Contact Us | (800) 632-4600 | Provident Credit Union They are saying I owe $26, 365 but would accept $8, 081. to settle . Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. Submit a complaint and get your issue resolved. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Business Credit Cards. 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 the collection agency agrees, it should send you a document outlining the deal. My husband stressed over this all weekend not knowing what was going on or what to expect. Creating a payment plan lets you set a payment schedule and amount that works for your budget. Is that legal?? Whenever someone tries to collect a debt, ask for all of their company's information, including: Request all of these details. Worse, you can also lose the ability to dispute that you owe the debt. All Rights Reserved. . Does Paying a Collections Account Help Your Credit? Many or all of the products featured here are from our partners who compensate us. I do not have knowledge of this account. 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. I was told that the debt is over $15,000 with all attorney and legal fees. WELCOME! ComplaintsBoard.com is a leading complaint resolution website on the Internet. NerdWallet strives to keep its information accurate and up to date. No exceptions. will be forwarded to the company advertising on the DebtCC. This comment was posted by a verified customer. Debt is toxic when it costs you too much in money or lost opportunity or carries too much risk. 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 . As another example, many debt collectors cannot prove their case as required under the applicable Florida laws and rules of evidence. They sued me and went to court in 04 and I did nothing about it (dumb youth). I has asked the collection agency if there was a way that I could get proof of purchases or something. Hi. In the early 2000s I had no credit cards, I wasnt working and taking care of my sick grandmother. ), I was never advised of this debt prior to summons & most important I DO NOT OWE! Providian Visa Platinum Card - Online Application - Finance Globe Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. Having an account sent to collections can be stressful. DON'T LET THESE THIEVES WIN! Who are these people and what are they up. Then contact the debt collector by phone or mail to propose the plan. 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) I received a phone call at my work 1st, Saying I was trying to be served some papers to go to court and that no one was home, If I do not take action they will come to my place of work to serve me some papers. + Leaflet | OpenStreetMap contributors | Open In Google Maps Before you pay any debt to any collector, confirm that the debt is real and valid. OLD CC COLLECTION DEBT/RIPOFF SCAM! Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. I have no credit cards and never had any from Providian. I had purchased the illness protection insurance through Providian. Providian Credit Company review - Review Stream So if a debt collector pushes you to pay immediately, be very cautious. He is based in Ocean Shores, Washington. 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. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. 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. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Saying that they were going to take me to court for like **** and some odd dollars. How can they do this? Waving the flag here! The proposal is described as an overhaul by industry experts with many different changes. Providian Credit Card | Better Business Bureau Profile Contact the National Foundation for Credit Counseling (NFCC) and ask towork with a nonprofit credit counselor. I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. They are sending someone to serve me with papers to appear in court. Cheryl lindsey. These scammers can be very convincing, which is why you need to spot the signs of a fake debt collection: Real debt collectors already know much of your information e.g., how much you owe, your address, social security number, birthday, etc. You also cant be sued in any county other than where you lived when you signed the contract or at the time the lawsuit was filed. . They gave me a case number and other phone number to call. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. At the time it was sold, the Providian Bank had more than 10 million card holders. so make sure they arent scamming first and do research before paying. I was issued a court order from ForXXX & GarXXX pertaining to a Providian bill I do not owe. Learn more. But debt collection scammers probably don't have all of your info already, so they'll ask for it. Credit Target. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. I told him for what ? Meaning of providian. 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? Providian Credit Card. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". 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 not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. This will surely increase the credibility of your complaint. I looked up the bank and called the numbers and they were not work. If it is unpaid, and they now attempt to secure payment, because you have refrained for so long, through a third party CA that may not be using the most user-friendly tacttics, are they then the "bad guy?". Tuesday, August 5, 2003 I am sending Providian their final letter. 14 complaints closed in the last 12 months. 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. In some forum areas, you may have to register (sign up) before you can post. Commissions do not affect our editors' opinions or evaluations. Anyone whos what I can do to get them off me? 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. FTC's website on credit. Supposeonly owing over $11000 they will settle for $2000. You might be using an unsupported or outdated browser. I'm pissed of because times are hard, and this is coming to light in the worst time of my life. 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. I'm a senior consumer finance reporter for Forbes Advisor. 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. 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. That's ugly". I am actually going through this right now. No matter which card you choose, you'll enjoy important features like: Convenient and Flexible Purchasing Power. Ripoff Report | PROVIDIAN complaints, reviews, scams, lawsuits and How can I find out who Providian National Bank is. She began shouting, said, 'Oh, here we go, another f******* deadbeat. Sean Pyles leads podcasting at NerdWallet as the producer and host of NerdWallet's "Smart Money" podcast. Ripoff Report | Providian Credit Card Review - Nationwide However, real debt collectors still have to obey the law. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. This is absolutely absurd and I'm livid. I do not have or ever had a credit card. International Association of Better Business Bureaus. Presumably. To pay off a collections account, you can make a payment plan, settle the debt or pay it off in full. Read more on. Then file a complaint with us. have old credit card debt from 1996 It was for Providian credit We know where you f*****g live!' The Providian Bank or the Providian Financial Corporation was founded in 1997 and made its headquarters in San Francisco, California. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. I told her I was not going to speak with her or even verify my name. Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. Explain to the creditor why you can't make full payment. I think it's a scam. But consumers have options and rights when going through the process. Plus, the Statute of Limitations has passed. First, if criminal activity was involved, contact your local law enforcement. WHy can these guys get away with this. You seem to acknowldege the debt. We called and another female operator confirmed my mom's name and birthday. 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". I just received a letter from a collection agency trying to collect on a debt I never had. If you miss a payment, the debt collector may abandon the agreement and try to sue you for payment, which can lead to, 7 Debt Tips from People Who've Been There, If you come into money through a tax refund or inheritance, or if you just. But if you've let it go unpaid for months, your issuer could pass it on to one of over 7,000third-party collections agencies in the U.S. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Sometimes, debt gets shuffled from one collector to another. Are you saying that there is a judgment against you and you now want to pay the judgment off? Debt collector for a Providian credit card I had 30 years/cannot - Avvo They want me to settle and I don't have money to pay and I have never had an account with this bank. Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. my funds I just had (today) Equifax delete 2 collection accounts and 1 judgment. Providian Visa Platinum Card. VERY IMPORTANT: send all this to Providian by CERTIFIED MAIL! Can someone tell me who and what this company is? , paying off the debt in full with a single payment can quickly resolve your debt collection woes. I have read many of the complaints and urge you to go to the FTC site or your states Fair Debt Collection section and know your rights. Please write me at v.romero@yahoo.com. Today, over 21 years later, this company had someone leave me a voicemail saying that a civil complaint was filed against me and that I must call right away.
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