2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. HOW MANY POINTS FOR COLLECTION 'DROP OFF' - The FICO Forums When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. You cannot get away from us. Comb through your finances to see how much you can afford to pay each week or month, whether it's $20 or $100. Imagine you got sick a few months ago, and put your medical bills on a credit card. Check your credit report at least once a year to reduce any surprise calls from collections, Eweka says. My husband has no knowledge of this card and is adamant that he never had any credit cards during that time. How to know if a debt collector is a scam - MSN 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. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. Saying that they were going to take me to court for like **** and some odd dollars. SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt. I had purchased the illness protection insurance through Providian. You won't go to jail for your debt, so if the collector says that you will, they're lying. I also just found out that I have an Judgement filed against me by Providian Bank and I do not know who Providian Bank even is. Category: Legal. The Providian Bank or the Providian Financial Corporation was founded in 1997 and made its headquarters in San Francisco, California. BBB Business Profiles are subject to change at any time. + Leaflet | OpenStreetMap contributors | Open In Google Maps Do your research and always know what the total cost will be to hire help. Be sure you set an amount and schedule that won't strain your budget to the breaking point. We'd love to hear from you, please enter your comments. I tell ya, these guys will try anything! Tried to explain that this was not my account. Providian was supposed to be sold to WaMu which is now Chase. My credit report is clean. In many cases you can pay the court clerk and they will record asatisfaction of judgment. The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. At the time it was sold, the Providian Bank had more than 10 million card holders. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 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? And through our passion for real estate, we take care of our owners' properties like our own. Providian Visa Platinum with real Benefits. I want this to go away. I am a former employee. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. 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. When evaluating offers, please review the financial institutions Terms and Conditions. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. If u have any suggestions. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. *** 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. Her information put me in the right direction for action that kept me legal . Do your homework. The opinions you read here come from our editorial team. highland height Ohio. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the 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. Customer Reviews are not used in the calculation of BBB Rating. will try to get you to pay them for this service. and we called the guy was talking so fast n wouldn't slow down. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. Because if you don't pay this, that is where you are going! ABBREVIATIONS; ANAGRAMS; BIOGRAPHIES; CALCULATORS; CONVERSIONS; . "The best thing to do to avoid having your debt going to collections is contact the creditor to set up a payment plan or ask for reduction on the amount of debt owed," says Eweka. Complaints for Providian National Bank - Better Business Bureau Nationwide *Author of original report: PS.because I forgot to mention it! 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. His work has appeared in USA Today, The New York Times and elsewhere. I received nothing in the mail or otherwise stating that this would happen. 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. Note: When you get your credit report, review it carefully for false, outdated, or inaccurate entries. 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. Keep in mind that debt falls under a statute of limitations in each state. The greater the debt and the longer its been in collections the. 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. Ignoring a lawsuit over a delinquent debt puts your wages, bank account or property at risk. You can do this yourself, even though many debt settlement companies will try to get you to pay them for this service. But consumers have options and rights when going through the process. 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 recieved a $6000 bill from convergent/asset recovery trying to get money for providian. Before you make a payment on a debt, first determine whether the debt is past the statute of limitations so you can handle it properly. Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. HELP! OLD CC COLLECTION DEBT/RIPOFF SCAM! - myFICO Forums - 670451 this is very weird that they sent me the letter with an old address i use to live at with the wrong Social Security number. How To Respond When Your Debt Is Sent To Collections OLD CC COLLECTION DEBT/RIPOFF SCAM! I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. She began shouting, said, 'Oh, here we go, another f******* deadbeat. I have free, top notch attorneys for as long as needed. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. providian medical equipment LL C Mr. Dave Skoke ,Providian Medical Equipment LLC, having place of business 5335 Avion park Dr. Unit A highland heights, Ohio 44143 Providian is a group of bad people. Another letter I received from a different collection agency working for them demanded I open a credit card account with them and the balance would immediately show on that credit card and I could make monthly payments to them at an interest rate of 29.99% interest unitl it was paid off and they they would extend me a 'revolving' line of credit. have old credit card debt from 1996 It was for Providian credit I am not giving them my bank info or anything else. I received a phone call at my work 1st, Saying I was trying to be served some papers to go to court and that no one was home, If I do not take action they will come to my place of work to serve me some papers. VERY IMPORTANT: send all this to Providian by CERTIFIED MAIL! They talked about settling with me for over $4,000. Scammers don't want to be found, so they often insist you make a payment by Visa gift card, iTunes gift card, wire transferor some other untraceable method. Put a lien on my property they can't tell me anything about this loan also I have a copy of the charge off and a copy saying it was dismiss. Read more. After about six months (depending on the lender), they will give up. Your financial situation is unique and the products and services we review may not be right for your circumstances. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! If the debt doesnt belong to you, you can dispute it. Email me to discuss your options in dealing with them. 0% APR on balance transfers for 12 months. Collections agencies buy your unpaid credit card debt from your card issuer when your balance lingers too long but that doesn't mean it goes away. 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. The Forbes Advisor editorial team is independent and objective. They guy was sooo rude & said that he advises me to get a lawyer. Providian National Bank 8 complaints 1 resolved 7 unresolved File a complaint to Providian National Bank Providian National Bank contacts (added by reviewer) Phone number +1 (603) 228-4482 Category Banks View all Providian National Bank contacts Most discussed complaints 1 (opinions to this review) 1 (opinions to this review) ForXXX & GarXXX NEVER replied or sent me any disclosure so I could at least provide back up of payment if I ever dealt with Providianwhich it does not seem familiar to me..and I am being harassed for a debt I did not owe and further more was never on my credit report. The card was open Dec.4th 2000-closed Sept. I have never had a credit card from Providian nor have I ever received a Statement from them, never heard from a collection agency until now and there is no record of Providian Bank on my credit reports from Transunion and Experian or Credit Karma. Changes to the law are coming. I asked again for the number, she reponded with , "you don't have to be rude with me. Keep in mind that not all debt collectors and creditors provide information to the credit reporting companies. 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. Cheryl lindsey. Read more:These newlyweds paid off $21,000 in credit card debt by following their own ruleshere's exactly how they did it. The Providian Philosophy. I've requested my records and they won't give them to me, which is illegal. Whenever someone tries to collect a debt, ask for all of their company's information, including: Request all of these details.
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