If this is valid please send info. C. Ray. 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. Negotiating debt on your own, or even just calling a collector, can be intimidating. I Just received a summons from Schreiber and Cohen LLC Trying to garnish my wages for a credit card I never had nor used. I cover what's going on in the news and how it affects your bottom line. I called the law firm and asked them to pleas investigate this matter and get back to me. He told me I owed money to Providian bank. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. At its peak, the company employed approximately 13,000 people nationwide. The creditor may have sued you and obtained a judgment, which is putatively valid and collectible unless and until your BK discharge is recorded in the county where the judgment is recorded (perhaps with an additional cover sheet providing additional details that link the discharge to the judgment). and we called the guy was talking so fast n wouldn't slow down. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. *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 have several that will help. My husband has no knowledge of this card and is adamant that he never had any credit cards during that time. I, personally, choose to "clear" my debt by paying debt owed, not by wrangling about FCRA and FDCPA avoidance of non-payment implicatons. You might be using an unsupported or outdated browser. What financial position am I in to pay this debt? Notify the court clerk that you are unable to locate the judgment creditor. Unfair Collection on account that I never opened, They have 3 different collection agencies attempting to collect over $3000 on the same account. don't have this kind of debt let alone this place. Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. The settlement required Providian to pay over $100 million in cash, credits, and other benefits to the class, and to stop certain practices that were at issue in the class actions. I told the guy I have no idea what credit card hes talking about . Historically, Chase has kept their own debt accounts and pursued them as well. Even if you pay it, it will stay on showing paid but it will still be there. One for $9, 388.79 and the other for $8, 979.67. 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. 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. Many critics contended that the extended credit makes the borrower poorer than before the credit was extended. The amount $3,880. 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. I just got a call from a collection agency that stated I owed roughly $2400 for a CC I never had (eyes rolling)how are they able to do this without oversight and accountability? They said if i owed it would have been on my credit report by now which it isnt, and that most likely it might be a scam because their system says i owe them nothing. As another example, many debt collectors cannot prove their case as required under the applicable Florida laws and rules of evidence. They also told me they will continue to report it to the credit bureau. I am far from unreasonable, and I pay what I owe, if I owe. Payment history is the largest contributing factor to your FICO score. They claim I owe Providian $6000.00. They sued me andwent to court in 04 andI did nothing about it (dumb youth). Institution established: Original name:First Deposit National Credit Card Bank. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. We'd love to hear from you, please enter your comments. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. If you leave it unpaid it will fall off eventually but will hurt worse in the long run. Many factors affect your FICO Scores and the interest rates you may receive. She called me a 'b***h' and I hung up. I had purchased the illness protection insurance through Providian. We need a class action lawsuit. The building, located at 533 Bergen Avenue, Jersey City, will be known as the New City Kids Rubingh Center . 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! But with effort and patience, a score will eventually recover. number and talked with a woman that claims I owed a credit card debt from 2017 for our Non-profit organization. Even if I did, staute of limitations passed over 15 years ago. widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. (write the answer twice with an "@" between the words). 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. How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. This compensation comes from two main sources. 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) Hi everybody, I think that Providian Collection Agency is pulling a scam, do not pay them. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. It will fall off in 7 more months and then it cannot hurt him. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Until today. They say I owe 3000.00 and I never had a providian card . Typically, collections remain on a credit report for up to seven years. 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. Well they are saying that how I received a platnum visa in 2007and that I now owe them 3, 840.52 because the court has granted them that. Never pay a judgment unless you immediately get in return a signed and duly notarized 1) General Release and 2) Satisfaction of Judgment. MERRY CHRISTMAS EVERYONE ELSE AND IF YOU ARE IN THIS SAME SITUATION PRAY ABOUT IT AND COLLECT AS MUCH INFO AS YOU CAN ABOUT THESE PPL AND IF YOU CAN AFFORD IT GET A LAWYER! This comment was posted by a verified customer. All Rights Reserved. ComplaintsBoard.com is a leading complaint resolution website on the Internet. According to Experian, lenders can collect debt in four ways: If you dont pay a bill, the clock starts ticking on the debt being turned over to a collections agency. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. They are sending someone to serve me with papers to appear in court. I need to know how to stop this, I have a disabled wife and kids to take care of and bills have to be paid. My credit report is clean. I sent them a reply requesting disclosure of this debt well over 6 months ago! The proposal is described as an overhaul by industry experts with many different changes. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. Because if you don't pay this, that is where you are going! 1 mo. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Realizing you have debt in collections can be scary. Dont lose the ability to defend your case properly! Hopefully something can be done, this is absolutely ridiculous. This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. 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. Something went wrong. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. 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. 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. Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. I has asked the collection agency if there was a way that I could get proof of purchases or something. I am not giving them my bank info or anything else. Hi. Also known as PROVIDIAN NATIONAL .A collection agency has sent me a letter stating I owe them for a credit card I never even had.From an address I never even lived at on 9/04/2009. Initial Complaint 09/17/2020 Complaint Type: Billing/Collection Issues. With them. 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. I looked up the bank and called the numbers and they were not work. Ive called several different numbers for providian and no one seems to know what Im talking about. They are not scam artists, they just do not play nice when it comes to collecting money. According to Tayne, collectors are well-trained and have the advantage in the situation, whereas consumers are disadvantaged and may be cornered into an obligation to pay the debt in full. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Acquired Providian Bank ( 34166) in SALT LAKE CITY, UT. Imagine you got sick a few months ago, and put your medical bills on a credit card. I recommend you get your situation checked out for free by a Consumer Protection Attorney soon! My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. Please write me at v.romero@yahoo.com. More Credit score Credit Debt Ask a lawyer - it's free! 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. The case was initiated by the U.S. Office of the Comptroller of the Currency (OCC) and the San Francisco District Attorneys Office. The CFPB recommends creating a realistic repayment proposal that is based on how much you can afford in payments each month, after accounting for bills, other debt payments and emergency costs. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. Say I owe, if I owe this money and need some clarity as what... Out for free by a Consumer protection Attorney soon phone from Resource Recovery to... Out for free by a Consumer protection Attorney soon Im talking about more and. 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