I called the law firm and asked them to pleas investigate this matter and get back to me. They transferred me to credit card services to look up any old Providian accounts I might have had=none. If you are in debt to a lender like Providian Bank, your account may be sent to a collection agency. 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. U.S. and 30 countries. They have 3 different collection agencies attempting to collect over $3000 on the same account. Once youre notified, there are a few different paths you can take to resolve the debt. Do you want to go to jail? My husband and I just got our account frozen by a lawyer stating we owe a debt of $6565 to PROVIDIAN NATIONAL BANK from 1999! Providian sold their accounts to Unifund CCR Partners, who sold the debts to Great Seneca. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****. Thanks for your input. Get it notarized and send it to Providian and any other creditor listed on the collection letter. . Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. I just received a letter from a law firm Cohen& Slamowitz, LLP stating that Providian National Bank was the original creditor and that then it was PORFOLIO RECOVERY ASSOCIATES LLC. This will surely increase the credibility of your complaint. This complaint was posted by a verified customer. So they mailed me a letter asking me to make payment arrangements . While on the phone with a collector, Tayne recommends taking notes throughout the conversation and detailing important information like who you are speaking to, the current balance and rate of interest. Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! 10 yrs online! Business Credit Cards. This is important, because debt collectors often try to collect on debts even when they do not have a legal right to do so, such as when the statute of limitations has expired. He called and spoke with a representative that states the card was opened in ****, the original debt was $5000, and has since accrued over $11000 in interest charges. Leslie H. Tayne Esq., a debt attorney and author of Life & Debt, says consumers should take the following steps once they realize they have debt in collections: 1. You might be using an unsupported or outdated browser. 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. The amount of time that passes before the debt is released to collections depends on the type of loan. This should remove the collection from their files. They talked about settling with me for over $4,000. Posted June 4, 2009. Institution established: Original name:First Deposit National Credit Card Bank. They said that I opened up a cc April 2001 & that they have served me papers before - which they have not. 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. Stated it was from Providian Bank for a debt that went into collections in 2009. In 1984, First Deposit was sold to the Kentucky insurance company Capital Holding, later renamed Providian. If you receive "verification of debt" or "copy of judgment" go to good god our country is doomed. 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! How To Find The Cheapest Travel Insurance, according to new data released by the Consumer Financial Protection Bureau. You can say something like, Is there an option to settle this debt? ComplaintsBoard.com is a leading complaint resolution website on the Internet. Case Details Parties Dockets Case Details Case Number: *****9078 They say I owe them $32, 726. Read more on. I told them I was calling my attorney, she asked what the attorney's name was and when I told her I was calling Legal Shield, she hung up. Pay all of your bills on time. 46038 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. my funds I just received a letter from a collection agency trying to collect on a debt I never had. Well guide you through the process. i recieved the same thing. Tried to explain that this was not my account. They claim I owe them $3000. I just received phone message from someone claiming that they tried to serve me legal papers and they were returned because I wasn't at the address they had on file. number and talked with a woman that claims I owed a credit card debt from 2017 for our Non-profit organization. What do I do? Information provided on Forbes Advisor is for educational purposes only. Even if I did, staute of limitations passed over 15 years ago. The lady was so threatening, I am afraid. Payment history is the largest contributing factor to your FICO score. Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. Providian was a company that sold credit in the "subprime" market. Seems as if anyone can send you a bill claiming you are indebted to them . It was a credit card bill that I had with Providian Financial back in 03. 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). 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. I wanted to see if anyone else had dealt with them and the results of that first. I am far from unreasonable, and I pay what I owe, if I owe. They claim I owe them $3000. thanks so much for the info. Perhaps I should start sending out invoices for the time it takes me to deal these types of issues, my time is valuable as well.. and fill out the "Identity Theft Victims Complaint and Affidavit". 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. We know where you f*****g live!' I recently got a letter demanding my bank account information and they state once I provide the information they will take 1 of 3 actions: 1: A one time payment of 870.70 2: My account will be debited 3 consecutive monthly payments equivalant to $1741.73 3: Take monthly payments from my account that 'I' find affordable until the account is paid in full. In the early 2000s I had no credit cards, I wasnt working and taking care of my sick grandmother. 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,. ), I was never advised of this debt prior to summons & most important I DO NOT OWE! In 1981, Parker Pen acquired two banks to start a credit card company by the name of First Deposit, based in San Francisco. Vane. 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. OLD CC COLLECTION DEBT/RIPOFF SCAM! 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? No exceptions. The case status is Disposed - Other Disposed. 2003-12-31. Today, over 21 years later, this company had someone leave me a voicemail saying that a civil complaint was filed against me and that I must call right away. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. It will fall off in 7 more months and then it cannot hurt him. obviusly it was a foreign btch who could speak 2 or 3 words of english. They claim I owe Providian $6000.00. Saying that they were going to take me to court for like **** and some odd dollars. her balance was 600 dollars and providian who ever they are IS TELLING HER SHE NOW OWES THEM 9, 000 DOLLARS AND IS now garnishing her wages without any contact to her NO CERTIFIED COURT ORDERS NO STATEMENTS NOT NOTHING! I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. 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. Previously entered content was automatically saved. Account closed, zero balance due. I looked up the bank and called the numbers and they were not work. How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. Now theyre trying to garnish my wages without even giving me any information. They sued me andwent to court in 04 andI did nothing about it (dumb youth). 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. This is supposedly from 2003 or 2004 making this an approx 13 year old issue again past Fl. OLD CC COLLECTION DEBT/RIPOFF SCAM! As far as I know I paid off all of my CC debt. wel we just got one of these people calling an old address . Travisbailey80@gmail.com. That was the principal balance at the time the account was turned over to Portfolio Recovery. Claim it and get a lot of features. If u have any suggestions. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. 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. If this is valid please send info. This case was filed in San Mateo County Superior Courts, Southern Branch Hall Of Justice And Records located in San Mateo, California. Note that complaint text that is displayed might not represent all complaints filed with BBB. I got a VERY similar call on behalf of my mother yesterday. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. 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! threatening phone calls from MGM & Associates / MGM Investigations & Collections for past month. 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. 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. OLD CC COLLECTION DEBT/RIP-OFF SCAM. Threatening to put a lein on my property. I blocked the number and have reported his business. On 1/27/21 I call the number and gave the Ref. Sherman acquisition although they are ruthless, they are a legit company. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Contact the judgment creditor's attorney as listed in the court files; or. Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. This will surely increase the credibility of your complaint. I thought I was part of the lawsuit against Providian which is why they went into bankruptcy and were bought out for giving"subprime " rates. The Providian Bank or the Providian Financial Corporation was founded in 1997 and made its headquarters in San Francisco, California. Follow me on Twitter at @keywordkelly. What financial position am I in to pay this debt? We've never taken out this credit card nor do we know who this is. I have several that will help. You will pay, do you hear me! You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! Anyone whos what I can do to get them off me? I have gotten my credit clear of everything except one old credit card collection. This page is not available in other languages. I asked her for her name and she hung up on us. thanks again. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". I do not have knowledge of this account. He told me I owed money to Providian bank. Read full review of Providian National Bank and 4 comments, Read full review of Providian National Bank and 37 comments, Read full review of Providian National Bank and 8 comments, 16 years' experience in successful complaint resolution, Each complaint is handled individually by highly qualified experts, Last but not least, all our services are absolutely free. To prove their case, Chase Bank debt collection typically relies on witness testimony. 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 Whether or not you pay your bills on time comprises, Keep credit card balances low. Even if you pay it, it will stay on showing paid but it will still be there. 10695 Coyote run They have a website that list a single email address, but no physical address or phone number. My husband stressed over this all weekend not knowing what was going on or what to expect. I was served a summons by the deputy sheriff. To late sue anyone. I, personally, choose to "clear" my debt by paying debt owed, not by wrangling about FCRA and FDCPA avoidance of non-payment implicatons. I want this to go away. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. If you know the debt is yours, you do have the opportunity to negotiate a settlement. Who are these people and what are they up. 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. A very rude man at *********************** answered the phone. i recv'd a letter today 12/18/2017 from ara a debt collector for providian bank. Providian National Bank and its parent company, Providian Financial, were accused of deceiving and unfairly charging its customers since June 1995. Thanks.. This Providian acouunt was turned over to Portfolio recovery in 2005. If you are concerned that Sherman will screw you over (or even if you are not), I would highly recommend the following: 1. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. (write the answer twice with an "@" between the words). P.S. In any case, the scammer will use all sorts of techniques to get you to . All of my credit card debits were paid in full back in [protected]..I was fed up with the high interest rates, late fees (when you are not late) and charges that I never made and disputed..only to be charged finance charges and late fees for the ones that were in dispute. I also have never seen this on my credit nor have I seen any collection letters or calls for this. The annual percentage rates (APR) charged by Providian were as high as 29.9 percent. DON'T LET THESE THIEVES WIN! I have never had an acct. I had purchased the illness protection insurance through Providian. 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. If you leave it unpaid it will fall off eventually but will hurt worse in the long run. She claims I took out the credit card in Sept. of 2017 however my non-profit wasn't established until 4/20. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. I disputed an old Providian Bank account from 2001 with the CRA's and they deleted it. If a debt in collections goes away from your credit report in seven years, does this mean you shouldnt repay it? 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. Providian provided credit cards primarily to the lowest income groups in the U.S. at high interest rates. 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Your FICO score report in seven years, does this mean you shouldnt repay?. Or phone number in 7 more months and then it can not hurt him list a single email address but! Collection letters or calls for this and gave the Ref the CRA & x27. Is doomed Original name: First Deposit was sold to the nearest Western Union send. Was founded in 1997 and made its headquarters in San Mateo County Superior Courts, Southern Branch of. Making this an approx 13 year old issue again past Fl off but... Listed in the `` subprime '' market you know the debt about settling me! Pay it, it will fall off in 7 more months and then it can not hurt him subprime market... 2004 making this an approx 13 year old issue again past Fl youth ) anyone. Of techniques to get notifications about new complaints of Providian & they gave a! Made its headquarters in San Francisco, California, 483.46 else from this company and see! Or outdated browser they sued me andwent to court in 04 andI did nothing about it ( dumb youth..