She began shouting, said, 'Oh, here we go, another f******* deadbeat. If a debt in collections goes away from your credit report in seven years, does this mean you shouldnt repay it? 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. 31302 Clearpond Road, Oklahoma . Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. whos on her death bed! 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. Whether or not you pay your bills on time comprises, Keep credit card balances low. 1995-01-01. After you receive the collection letter, send the collection letter back to Providian with a letter requesting a "verification of debt" or "copy of judgment". If you receive "verification of debt" or "copy of judgment" go to The proposal is described as an overhaul by industry experts with many different changes. thank u. I too received a collecting letter, which I owe nothing because I never has any dealing with that bank. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. If the debt doesnt belong to you, you can dispute it. I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. 13 complaints closed in the last 12 months. You can reach us on our office telephone (386-444-3032),by fax (888-990-1460)or by clicking here to send us an email message. When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. But with effort and patience, a score will eventually recover. good god our country is doomed. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. 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. UnpaId debt remains forever, regardless of any secton,or subsection, of the FCRA or FDCPA. Email me to discuss your options in dealing with them. 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. Providian had significant operations in California, New Hampshire, and Texas. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. these providian [censored] are trying to go after my sick mother! Consumers have 30 days from the initial communication about the debt (for example, the first letter received explaining the debt is in collections) to call the collector and ask for the debt to be verified in writing. All rights reserved. Note: I pulled my credit reports and Providian is not listed anywhere on it. . I told him for what ? I need access to Providian was supposed to be sold to WaMu which is now Chase. I have a master's degree in international communication studies and I'm currently based in Paris, France. Stated it was from Providian Bank for a debt that went into collections in 2009. Notify the court clerk that you are unable to locate the judgment creditor. 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. 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 *******. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. Now your phone rings multiple times a day from numbers you dont recognize. 1998-01-01. 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. VERY IMPORTANT: send all this to Providian by CERTIFIED MAIL! How can I tell them I cannot afford to pay off 5,569.00. balance was original 2100.00. 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. I am a former employee. The debt is over 3 years past the SOL. I then responded with, "let me have the number please" in which she responded rudely, "look, I've been trying to give your mom the number, but she keeps interrupting me". If you are concerned that Sherman will screw you over (or even if you are not), I would highly recommend the following: 1. *** 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. 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. I witnessed the fraud occurring first hand. These people are nuts! 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 do not know how I owe this money and need some clarity as to what can be done to resolve this matter. They often go through the process of filing collection lawsuits. I have no memory of ever receveing this card nor do I remember applying for it. 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. They said that I opened up a cc April 2001 & that they have served me papers before - which they have not. [1][2] When Providian's insurance operations were acquired by Aegon, Providian's credit card business was spun off as a separate company.[3]. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. International Association of Better Business Bureaus. ASK a legal question; POST an issue. They listed that the debt is owed to your from 2005. What am I prepared to discuss on the phone?. The debt they say occured in 2007. 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. The Forbes Advisor editorial team is independent and objective. They say I owe them $32, 726. As a matter of policy, BBB does not endorse any product, service or business. On November 7, 2000, the Hon. Providian National Bank Review: They have 3 different collection agencies attempting to collect over $3000 on the same account - ComplaintsBoard.com CB Banks Providian National Bank They have 3 different collection agencies attempting to collect over $3000 on the same account It was a credit card bill that I had with Providian Financial back in 03. No exceptions. Keep in mind that debt falls under a statute of limitations in each state. 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 was a little relieved when I came on here and seen I was not the only one going through this. I am going to print this page so the judge can see all the false complaints Providian is filing this "account is from 2001 way past the time for a court case. Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies. I have no contacted a lawyer to find out what's going on and what legal recourse I have. I had no clue why. I have no credit cards and never had any from Providian. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. 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. 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. 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 Youll likely be informed via a letter in the mail, or a collector will start calling you. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. I have paideverythingelse off my creditand will pay this if needed. 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! I know at the time, I banked with TCF Bank. Having an account sent to collections can be stressful. When I asked why this was not on my credit report, I was told that it was, and I just missed it. On 02/05/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against MARK N KITAOKA. DON'T LET THESE THIEVES WIN! After the company makes its own efforts to resolve the debt, it will eventually turn it over to a debt collections agency and be reported to the credit bureaus as a charge off, meaning the original creditor has ceased efforts to recover the debt. This is a reality for millions of Americans. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. I honestly dont know what to do or if this is legit. Institution established: Original name:First Deposit National Credit Card Bank. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. Jul 13 2008 12:50 PM The card was open Dec.4th 2000-closed Sept. I dont have a credit card, and its been 14 years since you claim I had that one . 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. 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. and we called the guy was talking so fast n wouldn't slow down. 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! My credit report is clean. Hopefully something can be done, this is absolutely ridiculous. Can dispute it I opened up a cc April 2001 & that they have not a... Be completely fake, canceled, discharged, forgiven or beyond the period for collection never has any dealing them! Product, service or business have no credit cards and never had any from Providian time comprises Keep... That I opened up a cc April 2001 & that they have served papers... New Hampshire, and its been 14 years since you claim I had that.. 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