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. My job has a strict policy about garnishments including termination. 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! Due to a recent promotion, I should now be referred to as. 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. BBB Business Profiles generally cover a three-year reporting period. I have not knowledge of owing you guys anything BBB is here to help. I have never use Providian bank or ever financed anything in my life through them. This review was chosen algorithmically as the most valued customer feedback. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. 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. Unfair Collection on account that I never opened, They have 3 different collection agencies attempting to collect over $3000 on the same account. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. 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. 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. We will get you. Case Details Parties Dockets Case Details Case Number: *****9078 This is over 22 years ago. This is the only bill that is holding me up from financial freedom. Do your research and always know what the total cost will be to hire help. 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. I just received a letter from a collection agency saying I owed 10, 101.34. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. As another example, many debt collectors cannot prove their case as required under the applicable Florida laws and rules of evidence. 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! When was Providian National Bank sent to collections? Now they have 3 different collection agencies attempting to collect over $3000 on the same account! That's ugly". If youre being harassed for debt that doesnt belong to you, you have the right to stop the collectors from contacting you. A female operator provided a case number and phone number of ************. Sherman Acquisitions has a proven history off taking paid off debts or old cases and trying tomake the client "double pay" only to pocket the money themselves. i have never owned or even had credit with this bank ever. Nationwide *Author of original report: PS.because I forgot to mention it! Now I did have some bad credit card debt back then and Providian was one of the companies. I told the guy I have no idea what credit card hes talking about . The trick is charging a lot, repeatedly, for small doses of instrumental [sic]credit." Because if you don't pay this, that is where you are going! Do you want to go to jail? I received nothing in the mail or otherwise stating that this would happen. More We have had good success in defending Providian credit card litigation using our knowledge of Floridas laws, including statutes, court rules and rules of evidence. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. If there is no address listed, I'd write to the CRAs and request it. They guy was sooo rude & said that he advises me to get a lawyer. 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. these providian [censored] are trying to go after my sick mother! Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. BBB Business Profiles are subject to change at any time. When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. Share your photos and videos with others to prove the truth of your words. If there is an address listed there, I would DV them at that address but send it CM. I graduated from HS in 2001. 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. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. Funny thing is it has never been on my credit report as I never had a credit card until 2007. . The lady was so threatening, I am afraid. 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. They claim I owe them $3000. Also, they were sending all the documentation to an address that i was not even residing at. 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 *****. First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. They talked about settling with me for over $4,000. Three years later, at the beginning of the Great Recession,. Get it notarized and send it to Providian and any other creditor listed on the collection letter. He confirmed my name and social security number. 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. There are no debts/collections showing on his credit reports and the news from HR was the first time we've heard of this. The only thing is that I cannot find any recent information on Sherman. That was the principal balance at the time the account was turned over to Portfolio Recovery. How To Find The Cheapest Travel Insurance, according to new data released by the Consumer Financial Protection Bureau. 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. My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. OLD CC COLLECTION DEBT/RIP-OFF SCAM. Who would get the money. Realizing you have debt in collections can be scary. thanks again. 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. My credit report is clean. 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 . Commissions do not affect our editors' opinions or evaluations. I received a call from ************** saying I owe money to Providian National Bank. This complaint was posted by a verified customer. I'm now being threatened with court, liens, bank account, etc . I have never heard from this bank nor do I know who they are. MY FIRST THOUGHT WAS WHY DIDN'T THE PAYROLL DEPARTMENT NOTIFY THE EMPOYLEE OF THIS GARNISHMENT?I AM VERY PISSED OFF AND I'M GOING TO BE BY HER SIDE UNTIL THIS MATTER IS RESOLVE SECOND OFF WHY DIDN'T PROVIDIAN CONTACT HER OBVIOUSLY THEY HAD HER CONTACT INFO TO GARNISH HER WAGES WITHOUT HER KNOWLEDGE PROVIDIAN YOU SUCK WHO EVER YOU ARE AND WE WILL SEE YOU IN COURT THANKS FOR SCREWING UP HER CHRISTMAS! Pay all of your bills on time. o6, thank you for the link, I found thatone too. No exceptions. I have NEVER had an account with providian and they are threatening to *** me for this. Business Credit Cards. 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. Washington Mutual, Inc., continued to run the company as a wholly owned subsidiary, out of its San Francisco headquarters. If you leave it unpaid it will fall off eventually but will hurt worse in the long run. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Johndowning01@gmail.com With them. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. The complaint has been investigated and resolved to the customers satisfaction. 2003-12-31. In 1981, Parker Pen acquired two banks to start a credit card company by the name of First Deposit, based in San Francisco. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. Seems as if anyone can send you a bill claiming you are indebted to them . I have received nothing concerning this situation. 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. This is absolutely absurd and I'm livid. Beginning in mid-1999, a number of class-action suits were filed against the company regarding aggressive sales tactics for various "credit protection" services being sold to Providian credit card holders. Until today. 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. Learn more. I want someone from *************** to call me and provide proof to me that I opened this account from over 20 years ago. 1 mo. You can say something like, Is there an option to settle this debt? So thats not really serving me. 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. Ever. I have now received three phone calls since 01/06/2023. my close friend had a providian card back in the late 90's LATE 90'S AMERICAN PPL CAN YOU HEAR ME? Today I got a call that I owed $2000.00 from providian credit card. 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. And that they would settle for 5, 050.67 by june 1st.the collection agency is First Resolution Investment Corp. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? 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. Stop and take a deep breath . 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. You will pay, do you hear me! Think about the letter you received, Tayne says. Acquired Providian Bank ( 34166) in SALT LAKE CITY, UT. They are taking legit actions to collect a legit debt. I have never had an acct. 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. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. 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. wouldn't give us any info, and wouldn't listen . As a matter of policy, BBB does not endorse any product, service or business. 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. can i sue for scaring me to death. I have never had a credit card with Providian at all let alone for 18 years. If you are in debt to a lender like Providian Bank, your account may be sent to a collection agency. Please try again later. Both were from the same Original Creditor (Providian National Bank) with two different account numbers with two different Balances. Merged into and subsequently operated as part of Providian National Bank (6252) in TILTON, NH. 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 BBB Business Profiles may not be reproduced for sales or promotional purposes. If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. Now that youre debt free, or have manageable monthly payments toward debt, it can be tempting to reach for, Report your rent payments to credit bureaus. 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. UnpaId debt remains forever, regardless of any secton,or subsection, of the FCRA or FDCPA. as international agents for identifaction of unawarded cash prizes, we are pleased to advise you that on 5th july the report documentation containing guaranteed prize and award information totalling 735, 300, 00 gbp src, po box 12956 kansas city ks [protected] usa, Two days ago my bank account was levered for a 9 year old 5000.00 debt owed to Providian. 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. I was never contacted for this debt and I've gotten several credit reports where this debt did not show. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. 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! Having the opposite effect on officers and directors of the company, making them conspicuously wealthier. If you are concerned that Sherman will screw you over (or even if you are not), I would highly recommend the following: 1. 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. I live in a bulding & too leave it at the front door is just plain stupid. so make sure they arent scamming first and do research before paying. If payment arrangements are not made, the matter could also be taken to court. Every # that I find for Providian & I call is disconnected. I do not have knowledge of this account. Attached is a complaint filed against Providian bank with the FTC. 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. It was one of the leading credit card issuers in the country until it was sold to Washington Mutual (Wamu) in October 2005 for a whopping $6.5 billion. what is going on.do not remember any account like this. 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. and we called the guy was talking so fast n wouldn't slow down. This Providian acouunt was turned over to Portfolio recovery in 2005. If this is valid please send info. It was a credit card bill that I had with Providian Financial back in 03. They are sending someone to serve me with papers to appear in court. She has never had a credit card. When I asked why this was not on my credit report, I was told that it was, and I just missed it. If you know the debt is yours, you do have the opportunity to negotiate a settlement. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. When Do Accounts Get Sent to Collections? 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. She called me a 'b***h' and I hung up. Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. I really dont see any ripoff. How Debt Collection Scams Work. 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. DON'T LET THESE THIEVES WIN! Re: HELP! Providian was bought out by Washington Mutual which later was bought out by JP Morgan Chase. We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. 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 *******. They transferred me to credit card services to look up any old Providian accounts I might have had=none. With them. and told me that this was from the 1990 . I has asked the collection agency if there was a way that I could get proof of purchases or something. Many factors affect your FICO Scores and the interest rates you may receive. Editorial Note: We earn a commission from partner links on Forbes Advisor. We promise not to send you any unrelated messages, Click here if youd like to unsubscribe from notifications about new complaints of Providian National Bank. My husband stressed over this all weekend not knowing what was going on or what to expect. So why would I have a credit card. 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. I am actually going through this right now. My bank account is now almost $1000 over drawn and there is nothing I can do about it. Providian National Bank review: fraudulent collection practices. 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. The case was initiated by the U.S. Office of the Comptroller of the Currency (OCC) and the San Francisco District Attorneys Office. Author: Medina, Ohio. I used to love this country how could anybody these days! They said they had left it at the front door. 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. 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! I was and continue to be a resident of Massachusetts. Information provided on Forbes Advisor is for educational purposes only. More details on software and accessibility are available at WebAIM.org. 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. This should remove the collection from their files. The debt is over 3 years past the SOL. Collection Agency's: Providian National Bank First Resolution Management Corp Seattle, Washington. 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? Instead, let the collector make the first move.