I had a Providian Bank Card with a credit limit of $600 and a balance of $175. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. I dont have a credit card, and its been 14 years since you claim I had that one . Do you honestly think we can't get you? 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. With them. and we called the guy was talking so fast n wouldn't slow down. 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. Further information is available in our FICO Data Privacy Policy. I want this to go away. 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. Waving the flag here! DON'T LET THESE THIEVES WIN! 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. Until today. Providian/Chase Collection Notice Hello PF. 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. The have been accused of deceptive practices. Providian was supposed to be sold to WaMu which is now Chase. I cover what's going on in the news and how it affects your bottom line. I received a call from ************** saying I owe money to Providian National Bank. Do you want to go to jail? They also left me the name of an attorney, phone number and a reference/case number. We need a class action lawsuit. 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? 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. Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies. I received nothing in the mail or otherwise stating that this would happen. My job has a strict policy about garnishments including termination. 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 . The annual percentage rates (APR) charged by Providian were as high as 29.9 percent. 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! I just received a letter from a collection agency saying I owed 10, 101.34. 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. If u have any suggestions. They talked about settling with me for over $4,000. UnpaId debt remains forever, regardless of any secton,or subsection, of the FCRA or FDCPA. 2023 Forbes Media LLC. So much was sketchy. It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. I graduated from HS in 2001. 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 *******. I have now received three phone calls since 01/06/2023. They said that I opened up a cc April 2001 & that they have served me papers before - which they have not. 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! On this page, you'll find a comprehensive collection of reviews and complaints from real customers who have used Providian Bank's products or services. 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. If they cause my mother any more stress lord have mercy! They addressed me by my maiden . Youve stopped checking your credit score. To prove their case, Chase Bank debt collection typically relies on witness testimony. Hi. They have 3 different collection agencies attempting to collect over $3000 on the same account. I told her I was not going to speak with her or even verify my name. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. All times are GMT-5. There are risks with ignoring a debt in collections, like completely destroying your credit score and getting sued by the collector. Providian was sold in 2005 and later sold again to Chase. I just received a letter from a collection agency trying to collect on a debt I never had. I do not have or ever had a credit card. I want someone from *************** to call me and provide proof to me that I opened this account from over 20 years ago. For help, please check out the HELP section of the forum and forum announcements. I had purchased the illness protection insurance through Providian. There are no debts/collections showing on his credit reports and the news from HR was the first time we've heard of this. I have paideverythingelse off my creditand will pay this if needed. Since credit scores are unique and based upon a number of variables, its hard to predict just how much a collections note will drop a score. 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. 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. 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. 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. Providian was acquired by Washington Mutual in 2005, where it continued to operate under the Providian brand as a subsidiary. 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. Attached is a complaint filed against Providian bank with the FTC. No fee for additional employee cards. Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. Started to receive calls from ******************************************* stating that I had a Providian credit card that I opened in **** and paid on it for 18 years and then went into default in 2018. Ask yourself, Do I owe the money? I live in a bulding & too leave it at the front door is just plain stupid. They say I owe 3000.00, like everybody else they are trying to scam. The debt is over 3 years past the SOL. Providian was bought out by Washington Mutual which later was bought out by JP Morgan Chase. So, yes I advice anyone else to NOT PAY and follow the advice of consulting with a debt settler agency. http://www.astafraud.com/. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. Even if I did, staute of limitations passed over 15 years ago. 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. I was served a summons by the deputy sheriff. As far as I know I paid off all of my CC debt. This often comes in the form of a "business record affidavit." I have a few things on my side: Statute of limitations (NYS 6yrs.) Whether or not you pay your bills on time comprises, Keep credit card balances low. 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. I never heard of them! 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. This case was filed in San Mateo County Superior Courts, Southern Branch Hall Of Justice And Records located in San Mateo, California. thanks When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. they almost put her back into the hospital.the dumb btch on the phone kept threatining to take her 800 dollar disability check! Remember, we welcome your calls and emails at any time, including in the evening and on weekends. They want $1900.00 from me and filing fees. . so make sure they arent scamming first and do research before paying. The collection agency would give me no information other than the name of the company they were working for. 2003-12-31. Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. Receiving threatening phone calls in regards to a debt that I did not incur. Having the opposite effect on officers and directors of the company, making them conspicuously wealthier. Now, how can three companies try to collect the same time barred debt? Think about the letter you received, Tayne says. In the future, collectors may be able to communicate via email and text messages, and would be limited to seven attempts of calls per week (per debt). My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. I called the law firm and asked them to pleas investigate this matter and get back to me. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. They couldn't / wouldn't provide me with any documentation or validation of debt. WELCOME! This means a collector cannot sue you for a debt that is older than a certain number of years, which the CFPB says ranges from three to six years, depending on the state. Today I got a call that I owed $2000.00 from providian credit card. Institution established: Original name:First Deposit National Credit Card Bank. ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. PROVIDIAN NATIONAL BANK Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported . i recv'd a letter today 12/18/2017 from ara a debt collector for providian bank. On 02/05/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against MARK N KITAOKA. Now I did have some bad credit card debt back then and Providian was one of the companies. Jul 13 2008 12:50 PM Today I got a call that I owed $2000.00 from providian credit card. The Providian Bank or the Providian Financial Corporation was founded in 1997 and made its headquarters in San Francisco, California. 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,. 11 yrs ago. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. I have no memory of ever receveing this card nor do I remember applying for it. thanks so much for the info. ,Providian Bank ,Providian Financial Providian created excessive charges after credit card reported stolen and pursues collection for years! Has anyone had dealings with this company? This will surely increase the credibility of your complaint. The debt they say occured in 2007. We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. Acquired Providian Bank ( 34166) in SALT LAKE CITY, UT. thanks again. It will fall off in 7 more months and then it cannot hurt him. I think it's a scam. I was and continue to be a resident of Massachusetts. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. + Leaflet | OpenStreetMap contributors | Open In Google Maps Its going on the trash. They claimed the amount owed was $5200 but was willing to settle for $521.xx. They claim I owe them $3000. No exceptions. Now theyre trying to garnish my wages without even giving me any information. Seems as if anyone can send you a bill claiming you are indebted to them . C. Ray. 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. How To Find The Cheapest Travel Insurance, according to new data released by the Consumer Financial Protection Bureau. ago. 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. Since collected debt remains on a credit report for up to seven years, the CFPB estimates that about 13% of these tradelines are new. *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. Can anyone out there help us? Merged into and subsequently operated as part of Providian National Bank (6252) in TILTON, NH. Washington Mutual, Inc., continued to run the company as a wholly owned subsidiary, out of its San Francisco headquarters. I have Calvary portfolio collection agency, contacting me about a providian credit card from 2003. The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. 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 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! Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. 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. Funny thing is it has never been on my credit report as I never had a credit card until 2007. International Association of Better Business Bureaus. o6, thank you for the link, I found thatone too. The building, located at 533 Bergen Avenue, Jersey City, will be known as the New City Kids Rubingh Center . I just received a collection from Portfolio Recovery Associates, LLC. They said that they are going to get back to me. 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 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. 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. According to Experian, this typically occurs within a few months of the original delinquency date.Foreclosures, or unpaid mortgages, can take much longer and are dependent upon laws in the state they were issued. 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. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. 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. What do I do? 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? He asked me to make payment arrangements . my husband got a thing in mail that states owes $924.89 on a credit card the mans been dead over 2 years and the credit cards we did have we files in1992 bankrupsy so that did it nopw they say we owe? The only thing is that I cannot find any recent information on Sherman. i recieved the same thing. They told me they will continue to harass me until i pay the debt in full. She called me a 'b***h' and I hung up. I called the Law firm collection agency and spoke to a extremely rude man who insisted I give him my address before he would tell me anything. Are you sure you want to rest your choices? They claim I owe them $3000. They say I owe 3000.00, like everybody else they are trying to scam. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! The collector must return your request before it can start trying to collect the debt again. The trick is charging a lot, repeatedly, for small doses of instrumental [sic]credit." Now, probably because they are going broke, they want the rest of the monies they agreed to difur 7 years ago. whos on her death bed! I had a credit card with this company in ****. 31302 Clearpond Road, Oklahoma . But consumers have options and rights when going through the process. They say I owe 3000.00 and I never had a providian card . I'm glad I was on the phone with my elderly mom as this is unacceptable. Changes to the law are coming. We'd love to hear from you, please enter your comments. Collection agent calling me. 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. If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. This is the only bill that is holding me up from financial freedom. They searched my social, name, and address. Hopefully something can be done, this is absolutely ridiculous. 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. I also have never seen this on my credit nor have I seen any collection letters or calls for this. 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. Is this your company? This process can take months, if not years, depending on how hard a score was hit due to bills in collections. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. 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'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. Im not a fan of making the first offer.. Every # that I find for Providian & I call is disconnected. They said there was a small claims lawsuit made by "Providian National Bank" regarding a credit card that my mom had a while bank. U.S. and 30 countries. In May 2019, CFPB Director Kathy Kraningerannounced a proposalto change certain restrictions under the FDCPA, ranging from how collectors can contact consumers, when and how many times. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? One for $9, 388.79 and the other for $8, 979.67. In 1984, First Deposit was sold to the Kentucky insurance company Capital Holding, later renamed Providian. The lady was so threatening, I am afraid. They addressed me by my maiden name which I havent been since 2012. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. Now your phone rings multiple times a day from numbers you dont recognize. 10 yrs online! After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. BBB Business Profiles generally cover a three-year reporting period. HELP! I have free, top notch attorneys for as long as needed. 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. They also claimed to have been sending me letters which I have never received. Posted June 4, 2009. I am in the same situation as most of you, I received a collections phone call regarding a providian credit card in which I know nothing about. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. If a debt collector tried to sue you after this time period has expired, you can raise the SOL as a defense against the lawsuit. If you leave it unpaid it will fall off eventually but will hurt worse in the long run. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. This will surely increase the credibility of your complaint. The card was open Dec.4th 2000-closed Sept. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Dont lose the ability to defend your case properly! This review was chosen algorithmically as the most valued customer feedback. If you know the debt is yours, you do have the opportunity to negotiate a settlement. Collection Agency's: Providian National Bank First Resolution Management Corp Seattle, Washington. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. This is false accusations, code violations and harassment. 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. This page was generated at 03:20 AM. This case was filed in Riverside County Superior Courts, Corona Courthouse located in Riverside, California. number and talked with a woman that claims I owed a credit card debt from 2017 for our Non-profit organization. Its headquarters in San Francisco headquarters the opposite effect on officers and directors of the monies agreed... 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