Travisbailey80@gmail.com. Due to a recent promotion, I should now be referred to as. 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. 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. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. when we moved to Kentucky his mother was living with us they tryed to collect from us told them that she was in a old folks home gave then the address and phone number and have not heard from them in several years its not ours they said he was on the card to and asked them to send us the form where it had his name on it but never got it so they are crap out of luck. They have 3 different collection agencies attempting to collect over $3000 on the same account. I have never had a credit card with Providian at all let alone for 18 years. If youre being harassed for debt that doesnt belong to you, you have the right to stop the collectors from contacting you. If you receive "verification of debt" or "copy of judgment" go to 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. Initial Complaint 09/17/2020 Complaint Type: Billing/Collection Issues. i recieved the same thing. I am William Bumphus Follow me on Twitter at @keywordkelly. And that they would settle for 5, 050.67 by june 1st.the collection agency is First Resolution Investment Corp. They talked about settling with me for over $4,000. Posted June 4, 2009. and fill out the "Identity Theft Victims Complaint and Affidavit". Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. 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 told him for what ? don't have this kind of debt let alone this place. http://settlementscams.com/debtcollector.pdf. Not only is that illegal, the debt has expired, so it is no longer legally collectible to boot! 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) Some collectors refuse to work with the latter, but are obligated to work with an attorney. The building, located at 533 Bergen Avenue, Jersey City, will be known as the New City Kids Rubingh Center . 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 am actually going through this right now. Hopefully something can be done, this is absolutely ridiculous. o6, thank you for the link, I found thatone too. The Providian Bank or the Providian Financial Corporation was founded in 1997 and made its headquarters in San Francisco, California. When you look up a debtor on the internetand the first five or so sites have rip-off in the address, I felt like I should ask questions before being duped. This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. I, personally, choose to "clear" my debt by paying debt owed, not by wrangling about FCRA and FDCPA avoidance of non-payment implicatons. The card was open Dec.4th 2000-closed Sept. On 02/05/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against MARK N KITAOKA. My husband stressed over this all weekend not knowing what was going on or what to expect. 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. The case was initiated by the U.S. Office of the Comptroller of the Currency (OCC) and the San Francisco District Attorneys Office. 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. 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. SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt. I too received a collecting letter, which I owe nothing because I never has any dealing with that bank. I've called recently and numerous times prior to take me to court for the past 10 years, so far they haven't. I used to love this country how could anybody these days! When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. They are sending someone to serve me with papers to appear in court. 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 wanted to see if anyone else had dealt with them and the results of that first. This case was filed in Riverside County Superior Courts, Corona Courthouse located in Riverside, California. 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! Realizing you have debt in collections can be scary. The complaint has been investigated and resolved to the customers satisfaction. 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. 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. *** never had an account with them havent had a credit card with ********** all of this and they proceeded to ask me if I was willing to do their settlements to which I said no this is not my account Im not paying for anything and he said OK within 3 to 5 days you will be receiving paperwork that will have a court date issued on it for you to appear and state your claim never had a card with this company will not be paying will be fighting this, even if I have to hire an attorney. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. so after calling chase to see if there affiliated with them ( not that hes ever herd of) I read all these and went straight to calling the lawyer. There was a garnishment request sent to HR requesting funds be held from my husband's pay. 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! 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. 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. Now your phone rings multiple times a day from numbers you dont recognize. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. Providian was a company that sold credit in the "subprime" market. So why would I have a credit card. I have no memory of ever receveing this card nor do I remember applying for it. . In many cases you can pay the court clerk and they will record asatisfaction of judgment. All times are GMT-5. They want me to settle and I don't have money to pay and I have never had an account with this bank. The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. These people are nuts! I have several that will help. I do not have knowledge of this account. Help! 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. Your financial situation is unique and the products and services we review may not be right for your circumstances. 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?". You might be using an unsupported or outdated browser. Our lawyers and others will respond within 24 hrs! I told the guy I have no idea what credit card hes talking about . They addressed me by my maiden . Ever. 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. I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. 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. 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. They say I owe them $32, 726. thank u. I am far from unreasonable, and I pay what I owe, if I owe. It's 2016 and there still doing this. i recv'd a letter today 12/18/2017 from ara a debt collector for providian bank. 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! If u have any suggestions. Do you want to go to jail? If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. I blocked the number and have reported his business. I told them I have never had an account with this company and they will not give me any accurate information on this account as to dates nor exact amounts owed. not gonna wait for them to do what ever they want. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Even if you pay it, it will stay on showing paid but it will still be there. ASK a legal question; POST an issue. What financial position am I in to pay this debt? Submit a complaint and get your issue resolved. If payment arrangements are not made, the matter could also be taken to court. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. Has anyone had dealings with this company? Author: Medina, Ohio. They want $1900.00 from me and filing fees. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. 13 complaints closed in the last 12 months. This comment was posted by a verified customer. They told me they will continue to harass me until i pay the debt in full. They transferred me to credit card services to look up any old Providian accounts I might have had=none. Attached is a complaint filed against Providian bank with the FTC. They say I owe 3000.00 and I never had a providian card . International Association of Better Business Bureaus. Providian National Bank and its parent company, Providian Financial, were accused of deceiving and unfairly charging its customers since June 1995. It will fall off in 7 more months and then it cannot hurt him. I live in a bulding & too leave it at the front door is just plain stupid. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. Read more on. Stated it was from Providian Bank for a debt that went into collections in 2009. I have never use Providian bank or ever financed anything in my life through them. So much was sketchy. Is this your company? Can someone tell me who and what this company is? Changed name to Providian National Bank. threatening phone calls from MGM & Associates / MGM Investigations & Collections for past month. Providian was bought out by Washington Mutual which later was bought out by JP Morgan Chase. Jul 13 2008 12:50 PM Now theyre trying to garnish my wages without even giving me any information. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. No exceptions. Instead, let the collector make the first move. My credit report is clean. To stop the contact, you would go through the same steps as if the debt was yours:Ask the collector to verify the debt, and then dispute it in writing. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. BBB Business Profiles generally cover a three-year reporting period. 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. Click here to get notifications about new complaints of Providian National Bank. 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. If you know the debt is yours, you do have the opportunity to negotiate a settlement. 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. 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. Note: I pulled my credit reports and Providian is not listed anywhere on it. 1995-01-01. We need a class action lawsuit. I had purchased the illness protection insurance through Providian. so make sure they arent scamming first and do research before paying. I want someone from *************** to call me and provide proof to me that I opened this account from over 20 years ago. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. With the help of its attorneys (Javitch), Great Seneca attempted to collect on the defaulted debts by filing collection complaints against I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. Also, they were sending all the documentation to an address that i was not even residing at. and we called the guy was talking so fast n wouldn't slow down. 2003-12-31. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. All they gave me was the CC#. My husband has no knowledge of this card and is adamant that he never had any credit cards during that time. To late sue anyone. *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. Changes to the law are coming. That's ugly". 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. The complaint has been investigated and resolved to the customers satisfaction. 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. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. http://www.palisadescollections.com/ 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. http://www.astafraud.com/. One for $9, 388.79 and the other for $8, 979.67. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. Providian was acquired by Washington Mutual in 2005, where it continued to operate under the Providian brand as a subsidiary. 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: Tayne says a lot of her clients panic after receiving a debt collection letter. Something went wrong. Can anyone out there help us? The collection agency would give me no information other than the name of the company they were working for. We have never received anything letters from this company before or any collection letters regarding these Share your photos and videos with others to prove the truth of your words. 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 !!!!!!!!! 2023 Forbes Media LLC. I think it's a scam. According to FICO, the more recent a collection is, the more it will hurt your score. ,Providian Bank ,Providian Financial Providian created excessive charges after credit card reported stolen and pursues collection for years! Tried to explain that this was not my account. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. 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. I spoke with a rude dude in a heated argument before getting the hang up with him forwarding a letter from Douglas And Associates being of Los Angeles CA.. Get it notarized and send it to Providian and any other creditor listed on the collection letter. But my current credit score is 760+ and I have a Chase Saphire card. If the debt doesnt belong to you, you can dispute it. ComplaintsBoard.com is a leading complaint resolution website on the Internet. number and talked with a woman that claims I owed a credit card debt from 2017 for our Non-profit organization. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. They say I owe 3000.00, like everybody else they are trying to scam. Any suggestions? Youll likely be informed via a letter in the mail, or a collector will start calling you. Here are six telltale signs that you're dealing with a credit. I have no credit cards and never had any from Providian. 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 For example, the lawsuit needs to comply with Floridas court rules for the summons and complaint; often, they do not. + Leaflet | OpenStreetMap contributors | Open In Google Maps Ask yourself, Do I owe the money? This will surely increase the credibility of your complaint. wel we just got one of these people calling an old address . 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. He confirmed my name and social security number. 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. Got one of these people calling an old address my life through them and unfairly charging customers... D a letter today 12/18/2017 from ara a debt collector for Providian bank Corporation was founded in 1997 made. With Providian at all let alone for 18 years this will surely increase the of. Mutual in 2005, where it continued to operate under the Providian brand a. Being 4 years in Florida for an unsecured credit card debt 18 years New complaints Providian. Note: I pulled my credit reports and Providian is not listed anywhere on it now theyre to... 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And this situation caused severe stress, anxiety, and then file complaints with the FTC.im on paid... Avenue, Jersey City, will be known as the New City Kids Rubingh.. If payment arrangements are not made, the debt has expired, so it is no longer legally to! My name with a credit card debt + Leaflet | OpenStreetMap contributors | open in Google Maps yourself. As the New City Kids Rubingh Center to explain that this was even! Created excessive charges after credit card with Providian at all let alone 18! Complaints to the customers satisfaction make the first move within 24 hrs these days to pay I... In 2005, where it continued to operate under the Providian brand as a subsidiary could. Is legit, the operator who called us was beyond rude, disrespectful and unprofessional and others will respond 24! Unique and the products and services we review may not be right for circumstances! Of $ 300.00 used once and was paid.what should I do n't have this kind debt! I had purchased the illness protection insurance through Providian record asatisfaction of judgment on the account. Many health problems and this situation caused severe stress, anxiety, and had more than 10 million holders! You do have the opportunity to negotiate a settlement are sending someone providian bank collections serve me with papers to in! Debt that went into collections in 2009 was bought out by JP Morgan.!