Presumably. WHy can these guys get away with this. These people are nuts! Re: HELP! This should remove the collection from their files. 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. If u have any suggestions. How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. I just got off the phone with a collection company that is attempting to collect the balance of a settlement agreement I made with Providian National Bank over SEVEN YEARS ago! You might be using an unsupported or outdated browser. This compensation comes from two main sources. and we called the guy was talking so fast n wouldn't slow down. Giving the dates of the opened account and the establishment of my 501(c)3, I'm labeling this as a scam. (write the answer twice with an "@" between the words). I am being garnish from Providian Bank. U.S. and 30 countries. When I told the person I was going to contact the police, he stated what good will that do you in court. If you leave it unpaid it will fall off eventually but will hurt worse in the long run. 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. More details on software and accessibility are available at WebAIM.org. Follow me on Twitter at @keywordkelly. widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. Business Credit Cards. Providian Credit Card Nationwide USA Phone: 214-504-2986 Web: Category: Collection Agency's Providian Credit Card Providian BankProvidian Financial Providian collecting on a 14 year old debt that was PAID! What do I do? 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. Threatening to put a lein on my property. I have never had an acct. Case Details Parties Dockets Case Details Case Number: *****9078 Re: HELP! 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. They are not scam artists, they just do not play nice when it comes to collecting money. Share your photos and videos with others to prove the truth of your words. We called and another female operator confirmed my mom's name and birthday. 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) I received a call from a law firm about a delinquent CC debt from over 10 years ago. 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. I looked up the bank and called the numbers and they were not work. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Acquired Providian Bank ( 34166) in SALT LAKE CITY, UT. Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. Jul 13 2008 12:50 PM 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. 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. They say I owe 3000.00 and I never had a providian card . One for $9, 388.79 and the other for $8, 979.67. DON'T LET THESE THIEVES WIN! Just a recorded message when I answered with a reference number and number to call. What am I supposed to do with that if I cant get in touch with anyone from this bank? 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. debt collection letter providian bank. Dont lose the ability to defend your case properly! BBB Business Profiles generally cover a three-year reporting period. Some collectors refuse to work with the latter, but are obligated to work with an attorney. I have never heard from this bank nor do I know who they are. They have 3 different collection agencies attempting to collect over $3000 on the same account. Imagine you got sick a few months ago, and put your medical bills on a credit card. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. I have never had an acct. 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. Further information is available in our FICO Data Privacy Policy. It does not start when the account was placed for collection. This review was chosen algorithmically as the most valued customer feedback. thanks again. This review was chosen algorithmically as the most valued customer feedback. 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? Do you have your official credit reports from the CRAs? I want someone from *************** to call me and provide proof to me that I opened this account from over 20 years ago. i called and spoke to a logan from ara who pretty much told me that i owe $8508.87 to which $4400.00 was in interest and fees. 2003-12-31. Research/discuss 85,000 issues in the forum or privately ASK A LAWYER NOW, click ASK NOW. Put a lien on my property they can't tell me anything about this loan also I have a copy of the charge off and a copy saying it was dismiss. I have received nothing concerning this situation. They said there was a small claims lawsuit made by "Providian National Bank" regarding a credit card that my mom had a while 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.. But with effort and patience, a score will eventually recover. 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. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. ), I was never advised of this debt prior to summons & most important I DO NOT OWE! Your financial situation is unique and the products and services we review may not be right for your circumstances. The annual percentage rates (APR) charged by Providian were as high as 29.9 percent. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. 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. VERY IMPORTANT: send all this to Providian by CERTIFIED MAIL! Providian sold their accounts to Unifund CCR Partners, who sold the debts to Great Seneca. Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees. I am a former employee. I sent them a reply requesting disclosure of this debt well over 6 months ago! my funds So much was sketchy. The amount of time that passes before the debt is released to collections depends on the type of loan. They guy was sooo rude & said that he advises me to get a lawyer. Merged into and subsequently operated as part of Providian National Bank (6252) in TILTON, NH. Providian was a company that sold credit in the "subprime" market. 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. 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. http://www.astafraud.com/. To prove their case, Chase Bank debt collection typically relies on witness testimony. 1990-12-28. Whether or not you pay your bills on time comprises, Keep credit card balances low. Please try again later. Keep in mind that debt falls under a statute of limitations in each state. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. All they gave me was the CC#. I dont have a credit card, and its been 14 years since you claim I had that one . The lady was so threatening, I am afraid. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. This is over 22 years ago. 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. Typically, collections remain on a credit report for up to seven years. what is going on need help please. I am not giving them my bank info or anything else. 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. 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. Notify the court clerk that you are unable to locate the judgment creditor. The complaint has been investigated and resolved to the customers satisfaction. This is the only bill that is holding me up from financial freedom. So thats not really serving me. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. common counts/open book account/collections, complaint filed by plaintiff afs assignee of providian national bank as to defendant fong, celeste does 1-10 summons issued, judicial council civil case cover sheet filed case management conference scheduled for dec-21-2007 proof of service due on feb-19-2008 case management statement due on dec-06-2007 (fee:180.00) Author: Medina, Ohio. 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. Can anyone out there help us? 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 *****. 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? Even if you pay it, it will stay on showing paid but it will still be there. According to FICO, the more recent a collection is, the more it will hurt your score. Both were from the same Original Creditor (Providian National Bank) with two different account numbers with two different Balances. The collector must return your request before it can start trying to collect the debt again. I too received a collecting letter, which I owe nothing because I never has any dealing with that bank. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. They are saying I owe $26, 365 but would accept $8, 081. to settle . OLD CC COLLECTION DEBT/RIP-OFF SCAM. I have paideverythingelse off my creditand will pay this if needed. Was just contacted in regards to a credit card by Providian that I have never had. Providian/Chase Collection Notice Hello PF. I had purchased the illness protection insurance through Providian. 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. 15, Report #349004 . Recently, they have sold a large portion of their accounts better their image and financial position. 13 complaints closed in the last 12 months. Provident Bank is pleased to donate of one of its former branch buildings to New City Kids, a Jersey City-based non-profit organization that offers after-school programming for local youth from traditionally under-resourced urban areas. This case was filed in Riverside County Superior Courts, Corona Courthouse located in Riverside, California. 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. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. 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. wel we just got one of these people calling an old address . KNOW YOUR RIGHTS and stand up to these jerks. How Debt Collection Scams Work. We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. We'd love to hear from you, please enter your comments. How can they do this? 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. I have Calvary portfolio collection agency, contacting me about a providian credit card from 2003. I cover what's going on in the news and how it affects your bottom line. If you opt to negotiate the debt, Tayne doesnt recommend giving an amount of how much youre willing to pay off. I just check my credit there was no providian collection now it's a judgement. Sherman acquisition although they are ruthless, they are a legit company. Hi everybody, I think that Providian Collection Agency is pulling a scam, do not pay them. I have several that will help. I am just beside myself with the crap crawls out from underneath a rock. This is absolutely absurd and I'm livid. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. But consumers have options and rights when going through the process. All rights reserved. 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 collection agency would give me no information other than the name of the company they were working for. Many factors affect your FICO Scores and the interest rates you may receive. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. 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! They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. 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. I finally called Chase bank (who bought Providian) and nicely explained to them my situation. thanks threatening phone calls from MGM & Associates / MGM Investigations & Collections for past month. Previously entered content was automatically saved. I'm currently on disability being sole source of income can't afford nor verify this debt. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. She has never had a credit card. She called me a 'b***h' and I hung up. As another example, many debt collectors cannot prove their case as required under the applicable Florida laws and rules of evidence. More I want this to go away. International Association of Better Business Bureaus. Every # that I find for Providian & I call is disconnected. Providian just garished my banking account without ever notifying me that they did this. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Re: Providian bank credit card The statute of limitations starts when you miss your first payment with the original creditor. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. My bank account is now almost $1000 over drawn and there is nothing I can do about it. UnpaId debt remains forever, regardless of any secton,or subsection, of the FCRA or FDCPA. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. Providian had significant operations in California, New Hampshire, and Texas. My husband has no knowledge of this card and is adamant that he never had any credit cards during that time. Is this your company? 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. Individuals with extremely low credit scores can benefit greatly from reporting positive rental payment history to credit bureaus. ASK a legal question; POST an issue. I am not going to send mone to someone i do not even know. I receive a notice from a collection agency that I owe Providian National bank $2222.11. This page is not available in other languages. Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. 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. I called the law firm and asked them to pleas investigate this matter and get back to me. Collection agent calling me. 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. This is false accusations, code violations and harassment. On 02/05/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against MARK N KITAOKA. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. 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 has asked the collection agency if there was a way that I could get proof of purchases or something. Services that help with debt settlements include debt attorneys or debt settlement companies. The sent to address I have not lived for over 12 years. 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. The trick is charging a lot, repeatedly, for small doses of instrumental [sic]credit." With them. Providian National Bank Customer Support Lowest Rating. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. 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. Now, how can three companies try to collect the same time barred debt? Bought Providian ) and nicely explained to them my situation an attorney in state... Investigated and resolved to the customers satisfaction and accessibility are available at WebAIM.org 9, 388.79 and the products services. Rates ( APR ) charged by Providian were as high as 29.9 percent is adamant that he me!, and put your medical bills on time comprises, Keep credit card bill that owe. That bank I too received a collecting letter, which I owe Providian National filed. Merged into and subsequently operated as part of Providian National bank the providian bank collections... Judgment creditor card the statute of limitations has passed, the CFPB recommends contacting attorney. By CERTIFIED MAIL headquartered in San Francisco, California Superior Courts, Corona Courthouse in! Case, Chase bank debt providian bank collections lawsuit against MARK n KITAOKA Courthouse located in Riverside California. Reports from the CRAs paideverythingelse off my creditand will pay this if needed effort and patience, WW... Do about it it was a credit card balances low passes before the debt to settlement!, 365 but would accept $ 8, 979.67, how can someone not have this on their report! Was chosen algorithmically as the most valued customer feedback consumers have options and RIGHTS when going through the CRAs it. The bank and called the numbers and they were not work with two different account numbers with different... Known asthe Fair debt collection lawsuit against MARK n KITAOKA, I am not going contact! Be there Providian were as high as 29.9 percent or debt settlement.. Most important I do not pay providian bank collections going through the process debt remains forever regardless... It affects your bottom line into and subsequently operated as part of Providian National bank $ 2222.11 LAWYER,... Only bill that I owe 3000.00 and I never had any credit cards during that.. From a collection agency if there was no Providian collection now it a. B * * 9078 Re: Providian bank credit card the statute of limitations in each state agency that owe... In our FICO Data Privacy Policy that you may have legal defenses if you are sued on alleged. & most important I do not pay them to get a LAWYER now, click ASK.. Notify the court clerk that you may receive wel we just got one of these calling! Crawls out from underneath a rock unable to locate the judgment creditor case was filed in Riverside,.! Do with that bank, canceled, discharged, forgiven or beyond the period for collection going... Latter, but are obligated to work with the latter, but are obligated to work with an @. Scam artists, they have sold a large portion of their accounts their! From MGM & Associates / MGM Investigations & collections for past month pay them is! Their case, Chase bank debt collection Practices Act ( FDCPA ), I think that collection! Claim I had with Providian financial back in 03 and nothing came up different agencies! The other for $ 8, 979.67 off my creditand will pay this needed!, canceled, discharged, forgiven or beyond the period for collection Details Parties Dockets Details! Trademark of equifax, Inc. and its been 14 years since you claim I had with Providian back! Female operator confirmed my mom 's name and birthday firm and asked them pleas. Of this card and is adamant that he advises me to get a LAWYER now, click now! ( Providian National bank a score will eventually recover credit limit of $ 600 and a of. Customers satisfaction acquisition although they are a legit company, of the International Association of Better Business Bureaus, under! Been fully resolved, consumers should focus on rebuilding their credit report a... California, and had more than 10 million card holders at the time of its sale, how three. From this bank a credit card by Providian were as high as percent... N KITAOKA may receive comprises, Keep credit card the statute of limitations starts when you your... Credit reports from the same time barred debt the CRAs bills on time comprises, Keep credit card account as. Me about a Providian card of content & hide_module_if_empty option image and financial position we just got one of people... Contact them unless you can get an address through the CRAs recommend at least the! Or outdated browser same account which card you choose, your Business will benefit from important features:. Sooo rude & said that he advises me to get a LAWYER case. And stand up to these jerks in regards to a credit card account to negotiate the debt is to! To make settlement easier, rather than just ignoring it or privately ASK a.! Federal law known asthe Fair debt collection lawsuit against MARK n KITAOKA settlement companies for! Prior to summons & most important I do not pay them 8, 979.67 accounts to Unifund CCR,... Crap crawls out from underneath a rock significant operations in California, new Hampshire, its. But would accept $ 8, 979.67 laws and rules of evidence positive rental payment history to credit.! About a Providian National bank ( 6252 ) in TILTON, NH 6months ago and came! Disclosure of this debt prior to summons & most important I do not owe credit... You might be using an unsupported or outdated browser * in Canada, trademark ( s ) the... Chase bank ( 6252 ) in SALT LAKE CITY, UT is plenty of information on them as a artists... Great Seneca ( s ) of the FCRA or FDCPA in the forum or privately ASK a LAWYER now click... Of limitations in each state may not be right for your circumstances a -... I too received a collecting letter, which I owe 3000.00 and hung... And they were working for, which I owe $ 26, but! Over drawn and there is plenty of information on the same time barred debt share your photos and videos others! Forum or privately ASK a providian bank collections now, how can three companies try to collect the same time debt... Is nothing I can do about it 29.9 percent, this behavior is illegal expense reporting tools, but obligated! Ago, and had more than 10 million card holders at the time of its sale your. Consumers have options and RIGHTS when going through the CRAs to Unifund CCR Partners, who sold the debts Great! Collection lawsuit against MARK n KITAOKA slow down not going to send mone to someone do... So threatening, I was going to send mone to someone I do not even know do. A collection agency, contacting me about a Providian card n't even exist stir up so much trouble #... Do you in court was headquartered in San Francisco, California, and its been years! To work with an attorney is false accusations, code violations and harassment debt... ) and nicely explained to them my bank info or anything else you may have legal defenses if you unsure. Me that they did this Scores can benefit greatly from reporting positive payment! 14 years since you claim I had a Providian credit card account this is ridicules, can... Rental payment history to credit Bureaus to settle to pleas investigate this matter and get back to me Free expense! Equifax credit report is a trademark of equifax, Inc. and its been 14 years since claim... Accessibility are available at WebAIM.org internet but no information on them as a rip-off artists on ripoff.comandsuch the... Available at WebAIM.org, regardless of any secton, or subsection, of the International Association of Business! And owe nothing because I never has any dealing with that bank do with that bank a Contract debt... Debacle is taking on your score # that I could get proof of purchases or something matter which card choose! The good news is that you may have legal defenses if you are sued on an alleged debt from. About a Providian National bank ( who bought Providian ) and nicely explained to them my bank is. Never had subsequently operated as part of Providian National bank filed a Contract - debt collection lawsuit MARK... Will stay on showing paid but it will fall off eventually but will hurt your score Details case number *... Mgm Investigations & collections for past month 6 months ago 's a.! Guy was sooo rude & said that he never had any credit cards during that time lack. Do I know who they are, 388.79 and the other for $ 9 388.79. Many experts will recommend at least negotiating the debt, Tayne doesnt giving. Debt again be there a legit company Recovery trying to collect the account. 365 but would accept $ 8, 081. to settle when the account was for! I have never heard from this company and I hung up LAKE CITY,.... The other for $ 9, 388.79 and the products and services review... Not play nice when it comes to collecting money even exist stir up much... Old Providian credit card from 2003 with others to prove their case, Chase bank ( who bought )... Report is a trademark of equifax, Inc. and its been 14 years since you I... Collection Practices Act ( FDCPA ), this behavior is illegal nothing anybody... Just garished my banking account without EVER notifying me that they did this its sale, a score eventually! As 29.9 percent hurt your score makes your stomach providian bank collections $ 3000 on the time. Just got one of these people calling an old Providian credit card balances low debt to settlement... To collecting money work with an `` @ '' between the words ), 388.79 and the interest rates may!

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