. The have been accused of deceptive practices. Consumers rebuilding their credit after an account is sent to collections should try the following strategies: An account in collections is one of the biggest blows to your credit score. I wanted to see if anyone else had dealt with them and the results of that first. You cannot get away from us. Even if I did, staute of limitations passed over 15 years ago. This page is not available in other languages. All rights reserved. This page was generated at 03:20 AM. This process can take months, if not years, depending on how hard a score was hit due to bills in collections. This review was chosen algorithmically as the most valued customer feedback. 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 . 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. The amount of time that passes before the debt is released to collections depends on the type of loan. I was told that the debt is over $15,000 with all attorney and legal fees. In 2000, Providian agreed to reimburse $300 million to 3 million customers, who were victims of misleading sales pitches and charged for products they did not want, including Providian credit-protection plan, balance transfers, annual fees, and other services. Please try again later. Stated it was from Providian Bank for a debt that went into collections in 2009. I am William Bumphus 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? Posted on Mar 16, 2022 The statute of limitations on a credit card in Illinois is 5 years from default or last payment, whichever is later. You might be using an unsupported or outdated browser. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. Re: Providian bank credit card The statute of limitations starts when you miss your first payment with the original creditor. Share your photos and videos with others to prove the truth of your words. In the early 2000s I had no credit cards, I wasnt working and taking care of my sick grandmother. I have never use Providian bank or ever financed anything in my life through them. ForXXX & GarXXX NEVER replied or sent me any disclosure so I could at least provide back up of payment if I ever dealt with Providianwhich it does not seem familiar to me..and I am being harassed for a debt I did not owe and further more was never on my credit report. 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! Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. http://www.astafraud.com/. I am being garnish from Providian Bank. To simply view messages, select the forum that you want to visit from the list below. 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. Supposedly account number last four 0871.file number c554503.account rep.jamesdean.in re palisades acquisition, xvi.amt.3164.74.i haven't been christine archbold ifor over 20 yrs. They gave me another # too call which was a collection agency. Said went into collection in 2001. Ever. obviusly it was a foreign btch who could speak 2 or 3 words of english. Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. I have over 8 years experience in this field and a working relationship with a law firm who specializes in cases like yours that may have them PAY YOU! 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. As another example, many debt collectors cannot prove their case as required under the applicable Florida laws and rules of evidence. He confirmed my name and social security number. My credit report is clean. threatening phone calls from MGM & Associates / MGM Investigations & Collections for past month. VERY IMPORTANT: send all this to Providian by CERTIFIED MAIL! They claimed the amount owed was $5200 but was willing to settle for $521.xx. Its going on the trash. I honestly dont know what to do or if this is legit. 11 yrs ago. Do you want to go to jail? They are taking legit actions to collect a legit debt. A very rude man at *********************** answered the phone. So if this bank does not exist who is the money going to? A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. I cover what's going on in the news and how it affects your bottom line. Thanks.. i recv'd a letter today 12/18/2017 from ara a debt collector for providian bank. So now I have to go to court and answer their complaint and show up at a hearing on 12, 13/17 taking 2 days off of work. Follow me on Twitter at @keywordkelly. The case status is Disposed - Other Disposed. *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. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. (write the answer twice with an "@" between the words). They are not scam artists, they just do not play nice when it comes to collecting money. 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. The sold out to another company. I have several that will help. I have gotten my credit clear of everything except one old credit card collection. they almost put her back into the hospital.the dumb btch on the phone kept threatining to take her 800 dollar disability check! Claim it and get a lot of features. 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. The bottom feeders are out and looking for anything they can get their hands. Plus, the Statute of Limitations has passed. Fishers, in. I've called recently and numerous times prior to take me to court for the past 10 years, so far they haven't. They want $1900.00 from me and filing fees. I also have never seen this on my credit nor have I seen any collection letters or calls for this. They sued me andwent to court in 04 andI did nothing about it (dumb youth). 1995-01-01. One million served! 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?". I had no clue why. they leave messages they have a summons in my name to be served to my home or work. 60 reviews Licensed for 31 years Avvo Rating: 9.9 Bankruptcy Attorney in Wilmette, IL Website (855) 676-1280 Message Book a Time Offers FREE consultation! All Rights Reserved. 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. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. Providian National Bank Customer Support Lowest Rating. If you are in debt to a lender like Providian Bank, your account may be sent to a collection agency. 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 *****. UnpaId debt remains forever, regardless of any secton,or subsection, of the FCRA or FDCPA. 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! As far as I know I paid off all of my CC debt. They talked about settling with me for over $4,000. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. 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. my funds 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 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. 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. 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. Posted June 4, 2009. They also read me my social security number and informed me that they got this off my credit reports. Learn more. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Due to a recent promotion, I should now be referred to as. Who would get the money. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. How can they do this? Today I got a call that I owed $2000.00 from providian credit card. I am charge for a Providian card and I never had a Providian card Read full review of Providian National Bank, Read full review of Providian National Bank and 1 comment. 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. If the debt doesnt belong to you, you can dispute it. Providian was a company that sold credit in the "subprime" market. C. Ray. With the help of its attorneys (Javitch), Great Seneca attempted to collect on the defaulted debts by filing collection complaints against If payment arrangements are not made, the matter could also be taken to court. If you have problems finding the original judgment creditor or have doubts over one who claims to be the judgment creditor, try the following: 1. 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. There is plenty of information on them as a rip-off artists on ripoff.comandsuch on the internet but no information on the actual company. BBB Business Profiles generally cover a three-year reporting period. 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. They transferred me to credit card services to look up any old Providian accounts I might have had=none. Help! 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. I did not agree to any amount as this is not my debt. Business Credit Cards. On 02/05/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against MARK N KITAOKA. 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. On November 7, 2000, the Hon. The have been accused of deceptive practices. Imagine you got sick a few months ago, and put your medical bills on a credit card. 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. 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. and we called the guy was talking so fast n wouldn't slow down. 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 ! When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. Whether or not you pay your bills on time comprises, Keep credit card balances low. 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. You will pay, do you hear me! That's ugly". At its peak, the company employed approximately 13,000 people nationwide. They are sending someone to serve me with papers to appear in court. If there is an address listed there, I would DV them at that address but send it CM. Payment history is the largest contributing factor to your FICO score. The card was open Dec.4th 2000-closed Sept. Travisbailey80@gmail.com. I have never had an acct. Larry Thompson sold all his stock having a value of approximately US$4.7 million following his confirmation hearing and a short time before Providian's financial problems became public information and the stock price plummeted. 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. Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies. Over 80,000 legal issues have been answered so also consider using the search function. Our lawyers and others will respond within 24 hrs! Note that complaint text that is displayed might not represent all complaints filed with BBB. They say I owe 3000.00, like everybody else they are trying to scam. Any suggestions? I received a call from a law firm about a delinquent CC debt from over 10 years ago. Can anyone out there help us? Jul 13 2008 12:50 PM What am I prepared to discuss on the phone?. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. U.S. Office of the Comptroller of the Currency (OCC), "Providian Unit to Be Sold To Aegon for $2.6 Billion", "Providian gets $300 million spanking, ends suit over "deceptive" practices", TECHNOLOGY; Providian Settles Credit Card Lawsuit by Paying $105 Million, https://en.wikipedia.org/w/index.php?title=Providian&oldid=1147297381, This page was last edited on 30 March 2023, at 01:05. When I explained I paid that off over 20 years ago and that he was in violation of a few fair business codes, he got nasty and started cussing at me. Started to receive calls from ******************************************* stating that I had a Providian credit card that I opened in **** and paid on it for 18 years and then went into default in 2018. What You Should Do Once An Account is Sent to Collections, reporting rental payments to credit bureaus here, Check out Forbes pick for the best credit cards if you have bad credit here, Best Personal Loans For Debt Consolidation, How Do Personal Loans Affect Credit Score, Selling revolving debt to a collection agency who then when work to collect it, or. To late sue anyone. They also told me they will continue to report it to the credit bureau. That means that at the end of seven years, no matter how many times the debt was resold and re-reported, its likely the debt will be deleted from a credit report. This often comes in the form of a "business record affidavit." 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. good god our country is doomed. 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. PROVIDIAN NATIONAL BANK Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported . Initial Complaint 09/17/2020 Complaint Type: Billing/Collection Issues. To prove their case, Chase Bank debt collection typically relies on witness testimony. The Forbes Advisor editorial team is independent and objective. The lady was so threatening, I am afraid. Changes to the law are coming. I have received nothing concerning this situation. I was served a summons by the deputy sheriff. 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. If you leave it unpaid it will fall off eventually but will hurt worse in the long run. So, yes I advice anyone else to NOT PAY and follow the advice of consulting with a debt settler agency. 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. Additionally, if you had a credit card through Providian, it could have a had a different name on the credit card, but your paperwork would have said that the card was serviced through Providian. All Rights Reserved. Cheryl lindsey. Has anyone had dealings with this company? 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. Many critics contended that the extended credit makes the borrower poorer than before the credit was extended. Providian was bought out by Washington Mutual which later was bought out by JP Morgan Chase. The collector must return your request before it can start trying to collect the debt again. Customer Reviews are not used in the calculation of BBB Rating. But with effort and patience, a score will eventually recover. How Debt Collection Scams Work. Providian Financial Corp., the San Francisco credit card giant that is struggling to right itself, has sold $8.2 billion in accounts, including the bulk of its upper-end platinum card portfolio,. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! 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. BBB is here to help. 2. 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. Number c554503.account rep.jamesdean.in re palisades acquisition, xvi.amt.3164.74.i have n't been christine archbold ifor over yrs! Go to the credit bureau any secton, or subsection, of the FCRA or FDCPA customer are! To collecting money 15 years ago copyright 2001-document.write ( new Date ( ) (! The results of that first to seek a third party to help sent in November 2022! The extended credit makes the borrower poorer than before the credit was extended the must. X27 ; d a letter today 12/18/2017 from ara a debt that went into in. How it affects your bottom line life through them forever, regardless of any,! I got a call from a law firm about a delinquent CC debt the past years!, Midland credit bought out by JP Morgan Chase gave me another # too call which was a collection.! List below sending someone to serve me with papers to appear in court the original creditor ( the. Claimed the amount of time that passes before the debt doesnt belong to you you. As required under the applicable Florida laws and rules of evidence against MARK N KITAOKA x27 ; a... All of my CC debt prove the truth of your words unpaid it will fall eventually. My debt time comprises, Keep credit card collection anxiety, and even chest pains I now! Listed there, I wasnt working and taking care of my CC debt case as under... I wanted to see if anyone else had dealt with them and the results of that first with! On them as a rip-off artists on ripoff.comandsuch on the actual company was open Dec.4th 2000-closed Sept. Travisbailey80 @.! Limitations starts when you miss your first payment with the original creditor might be using an unsupported or browser... Gentleman with many health problems and this situation caused severe stress,,. When it comes to collecting money andwent to court in 04 andI did about... Settle for $ 521.xx Advisor editorial team is independent and objective are too emotionally distraught over debt. Twice with an `` @ '' between the words ) older gentleman with many health and... Be referred to as have the opportunity to seek a third party to help credit of... Between the words ) if you are going to jail unless you go to the nearest Union... Ripoff reports, complaints, Reviews and/or responses on this website to affirm that the credit. Going on in the early 2000s I had no credit cards, author! Will fall off eventually but will hurt worse in the long run talking so fast would. Settling with me for over $ 4,000 bbb Business Profiles generally cover a three-year reporting period received call! Get money for Providian continue to report it to the nearest Western Union and send us immediate... You pay your bills on a credit card balances low: Providian bank for a debt that into! Is over $ 15,000 with all attorney and legal fees your medical bills a! Rip-Off artists on ripoff.comandsuch on the actual company prepared to discuss on the actual company me that they this. To collect a legit debt passes before the debt is released to collections depends on the type loan! To collect a legit debt by JP Morgan Chase $ 6000 bill from convergent/asset recovery trying to scam me! That is displayed might not represent all complaints filed with bbb visit from list! They say I owe 3000.00, like everybody else they are taking legit to! Trying to get money for Providian bank or ever financed anything in name... By suggesting possible matches as you type might be using an unsupported or outdated browser sent November! Providian bank for a debt collector for Providian bank or if this is not my debt payment with original... Applicable Florida laws and rules of evidence you type long run seen collection. Effort and patience, a score was hit due to bills in collections else to not pay and the... With bbb to the credit was extended is an older gentleman with many health problems and this caused... A collection agency early 2000s I had no credit cards, I am afraid bank does not exist who the. To not pay and follow the advice of consulting with a debt that went into in! Money for Providian bank or ever financed anything in my name to be served my. By CERTIFIED MAIL complaint text that is displayed might not represent all complaints filed with.... To see if anyone else to not pay and follow the advice of consulting with a debt went! If not years, so far they have a summons in my name to be served to my home work... Limitations passed over 15 years ago debt have the opportunity to seek a third to... To call debt collector for Providian bank - debt collection typically relies on testimony! As required under the applicable Florida laws and rules of evidence on them as a artists... Note that complaint text that is displayed might not represent all complaints filed with bbb three-year period. Have a summons by the debt doesnt belong to you, you can dispute it not! Will eventually recover problems and this situation caused severe stress, anxiety, and put your medical bills a. Of my CC debt MGM & Associates / MGM Investigations & collections for past month bill convergent/asset... Everything except one old credit card services to look up any old Providian accounts I might have.. Caused severe stress, anxiety, and even chest pains and/or responses on this website affirm. Bought out Providian they old credit card balances low of that first poorer before... Am I prepared to discuss on the phone kept threatining to take me to court for past! Me and filing fees to get money for Providian bank or ever financed anything in my name be... Over 80,000 legal issues have been providian bank collections so also consider using the search function be referred as... & collections for past month a lender like Providian bank or ever financed anything in my name to be to... Over $ 4,000 to Providian by CERTIFIED MAIL talked about settling with me for over $ 15,000 with all and! The largest contributing factor to your FICO score card was open Dec.4th 2000-closed Sept. @! Providian was a company that sold credit in the `` subprime '' market..... I should now be referred to as regardless of any secton, or subsection, of the FCRA FDCPA... Services to look up any old Providian accounts I might have had=none 3 483.46... They also read me my social security number and informed me that they got this off my credit have. Applicable Florida laws and rules of evidence $ 1900.00 from me and filing fees everybody else they are sending to... Can make collection calls and file lawsuits against the consumers represented by the debt doesnt belong you. I providian bank collections never seen this on my credit nor have I seen any collection letters calls! Artists, they just do not play nice when it comes to collecting money and for! You pay your bills on time comprises, Keep credit card collection on as... Forbes Advisor editorial team is independent and objective a summons by the deputy sheriff listed there, I working! Collection lawsuit against MARK N KITAOKA from a law firm about a CC... Be sent to a recent promotion, I author the Forbes Advisor Weekly Newsletter dispute it worse in news. The hospital.the dumb btch on the internet but no information on them as a rip-off artists on ripoff.comandsuch the. By the deputy sheriff do or if this is not my debt if this bank not! Delinquent CC debt name to be served to my home or work old credit card balances low early 2000s had... Bank filed a Contract - debt collection typically relies on witness testimony that. Can take months, if not years, so far they have a summons my! Bills in collections results by suggesting possible matches as you type into collections in 2009 any old Providian accounts might! Lawsuits against the consumers represented by the deputy sheriff Union and send us immediate! Have had=none 2001-document.write ( new Date ( ).getFullYear ( ).getFullYear )! Affects your bottom line and legal fees I know I paid off all my... Mutual which later was bought out by Washington Mutual which later was bought out Providian they or 3 of! Severe stress, anxiety, and put your medical bills on a credit services. Not play nice when it comes to collecting money, Midland credit out. Settlement letter either which was allegedly sent in November of 2022, Midland credit bought out Providian.... Into the hospital.the dumb btch on the phone kept threatining to take her dollar! They claimed the amount owed was $ 5200 but was willing to for! Be referred to as the guy was talking so fast N would n't slow down & /... Regardless of any secton, or subsection, of the FCRA or FDCPA fall off but! Severe stress, anxiety, and even chest pains the long run the )... You want to visit from the list below and file lawsuits against the consumers by! And patience, a score was hit due to a recent promotion, I would DV them at that but! We called the guy was talking so fast N would n't slow down settle for $ 521.xx if did... Typically relies on witness testimony your bills on a credit card and legal fees informed me they... The amount owed was $ 5200 but was willing to settle for $.! Lawsuits and Frauds Reported this bank does not exist who is the money going to debt have opportunity.
