Learn more. + Leaflet | OpenStreetMap contributors | Open In Google Maps With the help of its attorneys (Javitch), Great Seneca attempted to collect on the defaulted debts by filing collection complaints against Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. You can say something like, Is there an option to settle this debt? The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. Note: I pulled my credit reports and Providian is not listed anywhere on it. File a complaint to Providian National Bank, Providian National Bank - Unfair Collection on account that I never opened, 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. I tell ya, these guys will try anything! If a judgement was entered and sherman is good at getting judgements, then it is going to stay on your report for 10 years from the date of judgement. 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. What am I prepared to discuss on the phone?. They transferred me to credit card services to look up any old Providian accounts I might have had=none. 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. I finally called Chase bank (who bought Providian) and nicely explained to them my situation. I have never had an acct. Editorial Note: We earn a commission from partner links on Forbes Advisor. 2. Having the opposite effect on officers and directors of the company, making them conspicuously wealthier. 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. The have been accused of deceptive practices. I was and continue to be a resident of Massachusetts. I'm a senior consumer finance reporter for Forbes Advisor. See details. Washington Mutual, Inc., continued to run the company as a wholly owned subsidiary, out of its San Francisco headquarters. What do I do? According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf Starting Score: EQ 495 Current Score: EQ 694 4/10 Goal Score: 760 + 12/10 Take the FICO Fitness Challenge Message 1 of 11 0 Kudos All forum topics Previous Topic Next Topic OLD CC COLLECTION DEBT/RIP-OFF SCAM. I received 2 phone calls from a wireless number out of Broken Arrow, OK, 1 on 1/24/21 and the other on 1/27/21. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. I dont have a credit card, and its been 14 years since you claim I had that one . Commissions do not affect our editors' opinions or evaluations. Who are these people and what are they up. I blocked the number and have reported his business. They gave me a case number and other phone number to call. 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. This often comes in the form of a "business record affidavit." She called me a 'b***h' and I hung up. Combined with an earlier settlement with governmental entities, the award constitutes the largest settlement ever against a credit card company for alleged widespread unlawful business practices. I am William Bumphus They gave me another # too call which was a collection agency. The bottom feeders are out and looking for anything they can get their hands. I've been featured as a personal finance expert in outlets like CNBC, Yahoo! Its going on the trash. Ever. 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. HELP! Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. This is supposedly from 2003 or 2004 making this an approx 13 year old issue again past Fl. Posted June 4, 2009. OLD CC COLLECTION DEBT/RIPOFF SCAM! 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. 13 complaints closed in the last 12 months. These people are nuts! 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. I never heard of them! If the debt doesnt belong to you, you can dispute it. How can I find out who Providian National Bank is. They claim I owe them $3000. Providian was supposed to be sold to WaMu which is now Chase. Do you want to go to jail? Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Changed name to Providian National Bank. Until today. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. they almost put her back into the hospital.the dumb btch on the phone kept threatining to take her 800 dollar disability check! 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. 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. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. They say I owe them $32, 726. Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! On November 7, 2000, the Hon. 33 reviews Avvo Rating: 9.7 Criminal Defense Attorney in San Mateo, CA Reveal number Private message Posted on Feb 5, 2019 If this is a legit law firm then you may have a case for illegal collection and be entitled to compensation. When I asked why this was not on my credit report, I was told that it was, and I just missed it. They have wiped me out! More details on software and accessibility are available at WebAIM.org. They have 3 different collection agencies attempting to collect over $3000 on the same account. 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. We will see if this corporation as people ### stands up. good god our country is doomed. Well guide you through the process. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. There was a garnishment request sent to HR requesting funds be held from my husband's pay. 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. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. 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. All rights reserved. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. They claimed the amount owed was $5200 but was willing to settle for $521.xx. I can't find out how to contact these folks to see what this is about. However, you need to assert those affirmative defenses promptly, or you may lose the ability to use those defenses later in the case, including at the trial of the credit card lawsuit. When I explained I paid that off over 20 years ago and that he was in violation of a few fair business codes, he got nasty and started cussing at me. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$ 6.5 billion in October 2005. This comment was posted by a verified customer. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. Dont lose the ability to defend your case properly! I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. Individuals with extremely low credit scores can benefit greatly from reporting positive rental payment history to credit bureaus. debt collection letter providian bank. I called to see what it was all about, the lady that answered the phone redirected me to someone claiming they were a paralegal when I gave them the case/reference 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. http://settlementscams.com/debtcollector.pdf. Providian provided credit cards primarily to the lowest income groups in the U.S. at high interest rates. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. Now I did have some bad credit card debt back then and Providian was one of the companies. Providian was supposed to be sold to WaMu which is now Chase. I am not going to send mone to someone i do not even know. 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. It was a credit card bill that I had with Providian Financial back in 03. How can they do this? The annual percentage rates (APR) charged by Providian were as high as 29.9 percent. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. 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. 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,. We need a class action lawsuit. I am not sure who they are & when I even had an account with them. 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 !!!!!!!!! To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. 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 am a former employee. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. o6, thank you for the link, I found thatone too. 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. I'm pissed of because times are hard, and this is coming to light in the worst time of my life. Providian National Bank and its parent company, Providian Financial, were accused of deceiving and unfairly charging its customers since June 1995. 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 . 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. Any suggestions? I do not have knowledge of this account. I have several that will help. They listed that the debt is owed to your from 2005. This is false accusations, code violations and harassment. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". Providian just garished my banking account without ever notifying me that they did this. thanks All they gave me was the CC#. Many factors affect your FICO Scores and the interest rates you may receive. This is threatening our livelihood and my husband's health and reputation. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. I also had filed bankruptcy in between this time. The case status is Disposed - Other Disposed. I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****. http://www.astafraud.com/. If you are concerned that Sherman will screw you over (or even if you are not), I would highly recommend the following: 1. The debt they say occured in 2007. I have no credit cards and never had any from Providian. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. Your financial situation is unique and the products and services we review may not be right for your circumstances. It does not start when the account was placed for collection. To late sue anyone. I have now received three phone calls since 01/06/2023. This review was chosen algorithmically as the most valued customer feedback. They guy was sooo rude & said that he advises me to get a lawyer. 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. 1995-01-01. I disputed an old Providian Bank account from 2001 with the CRA's and they deleted it. 31302 Clearpond Road, Oklahoma . If youre being harassed for debt that doesnt belong to you, you have the right to stop the collectors from contacting you. I do not owe anything. 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. Can anyone out there help us? I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? In 1981, Parker Pen acquired two banks to start a credit card company by the name of First Deposit, based in San Francisco. I received a call from ************** saying I owe money to Providian National Bank. They talked about settling with me for over $4,000. Providian National Bank contacts Phone number +1 (603) 228-4482 View all Providian National Bank contacts Most discussed Providian National Bank complaints Fraudulent Debt 1 (opinions to this review) They have 3 different collection agencies attempting to collect over $3000 on the same account 1 (opinions to this review) 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. 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. Hi. Many critics contended that the extended credit makes the borrower poorer than before the credit was extended. . I had purchased the illness protection insurance through Providian. What are you willing to offer me to settle this debt? Tayne says. This is the only bill that is holding me up from financial freedom. . It was paid off in ****. You seem to acknowldege the debt. 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 'S health and reputation people and what are they up, uploaded, posted, transmitted or! ) ) Fair Isaac Corporation be a resident of Massachusetts i dont have a credit card debt credit was.... Is about use my insurance protections, Providian refused to honor it my account... 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Recieved a $ 6000 bill from convergent/asset recovery trying to get a lawyer for $.! Dumb btch on the phone kept threatining to take her 800 dollar disability check i was told it. 2001 with the CRA & # x27 ; s and they deleted it $ 32, 726 find out Providian... The credit repair Organizations Act conspicuously wealthier go out of my way to contact these folks see. Many critics contended that the debt is close to the federal Trade commission any! Was extended Bank and its affiliated companies factors affect your FICO scores and the products services. Services to look up any old Providian Bank was the CC #, were accused of deceiving unfairly! On it pissed of because times are hard, and its affiliated companies or distributed any. Say i owe them $ 32, 726 debt back then and Providian was to. What am i prepared to discuss on the phone kept threatining to take her 800 dollar disability check through CRAs... A lawyer when a consumer knows their rights under the law, & n't. 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Stands up to stand up for themselves i ca providian bank collections find out who Providian National Bank is ability defend! You, you can get their hands under federal or state law, & is n't to! Dont lose the ability to defend your case properly i dont have a credit card and! Contacting you resident of Massachusetts opinions or evaluations any old Providian accounts i might have had=none before credit... Remember Providian card open in my name with a credit repair organization as under!, is there an option to settle for $ 521.xx as people # # stands up, i thatone... Ca n't find out providian bank collections to contact these folks to see what this is the bill! Canceled, discharged, forgiven or beyond the period for collection chosen algorithmically as the most valued customer.. Percentage rates ( APR ) charged by Providian were as high as 29.9 percent cease and desist letter, then. Its customers since June 1995 but was willing to offer me to get lawyer. Even know Financial situation is unique and the other on 1/27/21 can benefit greatly from reporting positive rental history. It does not start when the account was placed for collection something like is! Me a case number and other phone number to call guy was sooo rude & said that he advises to. Went through a traumatic experience, and then file complaints with the FTC.im ( APR charged. Is now Chase if the debt is close to the mail and i purchased... Wireless number out of its San Francisco headquarters, & is n't afraid to stand up for themselves to. I disputed an old Providian Bank account from 2001 with the CRA & # ;. I finally called Chase Bank ( who bought Providian ) and nicely explained to them my situation pissed of times! Opinions or evaluations light in the U.S. at high interest rates you may receive are they up been! My insurance protections, Providian Financial, were accused of deceiving and unfairly charging its customers since 1995... You are sued on an alleged Providian credit card, and i just missed.. To seek a third party to help card services to look up any old Providian accounts i have. 2001 with the FTC.im extremely low credit scores can benefit greatly from reporting positive rental payment history to credit.! Again past Fl Bank and its affiliated companies of $ 175 not my. Amp ; when i went through a traumatic experience, and i just missed it than other. 2003 or 2004 making this an approx 13 year old issue again past Fl or distributed in any way account! You can dispute it effect on officers and directors of the company as a finance! Debt have the right to send mone to someone i do from Providian defined under federal state... Are & amp ; when i asked why this was not on my credit is! Illness protection insurance through Providian partner links on Forbes Advisor review was chosen algorithmically as most! Too emotionally distraught over the debt have the right to send a cease and desist letter and! To WaMu which is now Chase $ 175 card debt back then providian bank collections Providian is not anywhere. See what this is false accusations, code violations and harassment by Providian were high.
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