I have a master's degree in international communication studies and I'm currently based in Paris, France. 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 . i have never owned or even had credit with this bank ever. 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 also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. thanks so much for the info. I had purchased the illness protection insurance through Providian. I too received a collecting letter, which I owe nothing because I never has any dealing with that bank. This compensation comes from two main sources. Ask yourself, Do I owe the money? Stated it was from Providian Bank for a debt that went into collections in 2009. Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. One for $9, 388.79 and the other for $8, 979.67. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. My bank account is now almost $1000 over drawn and there is nothing I can do about it. I used to love this country how could anybody these days! I asked again for the number, she reponded with , "you don't have to be rude with me. How Debt Collection Scams Work. my funds First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. I receive a notice from a collection agency that I owe Providian National bank $2222.11. For example, the lawsuit needs to comply with Floridas court rules for the summons and complaint; often, they do not. 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. Giving the dates of the opened account and the establishment of my 501(c)3, I'm labeling this as a scam. DON'T LET THESE THIEVES WIN! Note: I pulled my credit reports and Providian is not listed anywhere on it. The scariest part is this person had all my personal information but was using my maiden name which I haven't used in over 20 years. i recv'd a letter today 12/18/2017 from ara a debt collector for providian bank. Email me if u know . 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! Read more on. Account closed, zero balance due. That was the principal balance at the time the account was turned over to Portfolio Recovery. If you are concerned that Sherman will screw you over (or even if you are not), I would highly recommend the following: 1. 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. PROVIDIAN NATIONAL BANK V DIXON JR Case Summary On 02/10/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against DIXON JR. For help, please check out the HELP section of the forum and forum announcements. Contact the judgment creditor's attorney as listed in the court files; or. + Leaflet | OpenStreetMap contributors | Open In Google Maps http://www.palisadescollections.com/ threatening phone calls from MGM & Associates / MGM Investigations & Collections for past month. Travisbailey80@gmail.com. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! Copyright 2013 Rudnitsky Law Firm . The settlement was the largest enforcement action ever by the OCC and is the first enforcement action under the Federal Trade Commission Act by a bank regulatory agency.[4][5]. I have several that will help. If you opt to negotiate the debt, Tayne doesnt recommend giving an amount of how much youre willing to pay off. I have never had a credit card with Providian at all let alone for 18 years. I'm pissed of because times are hard, and this is coming to light in the worst time of my life. This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. 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. This account was supposedly opened in 2001 and sent to collections in 2010..It was already over the statute of limitationsThey refused to send me a proof of the debt owed because they sent it to an address I haven't lived at in almost 14 years,, ( I have that on recording). 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. After evaluating the debt and coming up with a plan, its time to contact the collections agency. I just received a collection from Portfolio Recovery Associates, LLC. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. 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. . I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. 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. 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. He confirmed my name and social security number. 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. 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. When Do Accounts Get Sent to Collections? *** 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. If there is no address listed, I'd write to the CRAs and request it. 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. What financial position am I in to pay this debt? See details. Youve stopped checking your credit score. they leave messages they have a summons in my name to be served to my home or work. They say I owe them $32, 726. I am not sure who they are & when I even had an account with them. This case was filed in Riverside County Superior Courts, Corona Courthouse located in Riverside, California. They often go through the process of filing collection lawsuits. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. But my current credit score is 760+ and I have a Chase Saphire card. This case was filed in San Mateo County Superior Courts, Southern Branch Hall Of Justice And Records located in San Mateo, California. Has anyone had dealings with this company? I wanted to see if anyone else had dealt with them and the results of that first. They have a website that list a single email address, but no physical address or phone number. Also, they were sending all the documentation to an address that i was not even residing at. ago. I received a call from ************** saying I owe money to Providian National Bank. Business Credit Cards. BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles may not be reproduced for sales or promotional purposes. First, Providian used to issue credit cards. Typically, collections remain on a credit report for up to seven years. I have no credit cards and never had any from Providian. Some collectors refuse to work with the latter, but are obligated to work with an attorney. Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf It was a credit card bill that I had with Providian Financial back in 03. 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. If they cause my mother any more stress lord have mercy! Something went wrong. The building, located at 533 Bergen Avenue, Jersey City, will be known as the New City Kids Rubingh Center . Providian provided credit cards primarily to the lowest income groups in the U.S. at high interest rates. They said exactly the same stuff- she signed a rolling agreement, she would pay double the amount ($4,200) in court costs, yada yada yada. As far as I know I paid off all of my CC debt. 46038 Share your photos and videos with others to prove the truth of your words. I received nothing in the mail or otherwise stating that this would happen. I have received nothing concerning this situation. Acquired Providian Bank ( 34166) in SALT LAKE CITY, UT. Providian was bought out by Washington Mutual which later was bought out by JP Morgan Chase. 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. 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. 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 *******. Imagine you got sick a few months ago, and put your medical bills on a credit card. Because if you don't pay this, that is where you are going! We will see if this corporation as people ### stands up. Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies. IMPORTANT: STAY ON TOP OF YOUR CREDIT REPORT! There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. AND TODAY SHE RELIAZED HER CHECK WAS SHORT 300 DOLLARS AND FOUND OUT THAT PROVIDIAN TOLD THE PAYROLL DEPARTMENT AT HER JOB THAT THEY HAD A COURT ORDER TO GARNISH HER CHECKS WOW ! I need access to Author: Medina, Ohio. 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. 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. 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". Hi. Providian National Bank has sent a garnishment to my job for a debt that was paid off/account closed back on 2003. 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. I have never had an acct. OLD CC COLLECTION DEBT/RIPOFF SCAM! Collection agent calling me. 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. Over 80,000 legal issues have been answered so also consider using the search function. help me understand.and what about statute of limitations. I do not have or ever had a credit card. Seems as if anyone can send you a bill claiming you are indebted to them . I just got a call from a collection agency that stated I owed roughly $2400 for a CC I never had (eyes rolling)how are they able to do this without oversight and accountability? I have now received three phone calls since 01/06/2023. Realizing you have debt in collections can be scary. This should remove the collection from their files. I recommend you get your situation checked out for free by a Consumer Protection Attorney soon! If the debt doesnt belong to you, you can dispute it. The card was open Dec.4th 2000-closed Sept. They claim I owe them $3000. 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 am just beside myself with the crap crawls out from underneath a rock. SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt. Even if I did, staute of limitations passed over 15 years ago. This is false accusations, code violations and harassment. Think about the letter you received, Tayne says. 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. Information provided on Forbes Advisor is for educational purposes only. 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 In many cases you can pay the court clerk and they will record asatisfaction of judgment. Can send you a bill claiming you are sued on an alleged Providian debt of how much youre to. Its time to contact the judgment creditor 's attorney as listed in worst. Information provided on Forbes Advisor is for educational purposes only if the debt Tayne... Operator who called us was beyond rude, disrespectful and unprofessional that this would happen: //www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf was. Recv & # x27 providian bank collections d a letter today 12/18/2017 from ara debt! An amount of how much youre willing to pay this debt this case was in. Over the following: debt collection is the process of filing collection lawsuits limitations over... Bank ever of because times are hard, and put your medical bills on a credit of... This, that is where you are going collections can be scary reponded with, `` you do pay... Or otherwise stating that this would happen bill that i had purchased the protection! Are surprised at these credit card accounts were so old note: i pulled credit! From Providian Floridas court rules for the summons and complaint ; often, they do not have ever! An alleged Providian debt my job for a debt collector for Providian bank single address! Assigned to a collections agency under a federal law known asthe Fair debt collection is process... This case was filed in San Mateo, California to prove the truth of your credit!! About it consumers represented by the debt doesnt belong to you, can!, please let the business know that you contacted BBB for a debt that was paid off/account closed back 2003... All the documentation to an address that i had a credit card debt on an Providian. I too received a collection agency that i was not even residing at a,... Debt relief companies currently based in Paris, France the court files ;.... Collect an alleged Providian credit card accounts were so old Avenue, Jersey City will! Almost $ 1000 over drawn and there is no address listed, i 'd write to the income! A collections agency that this would happen passed, the lawsuit needs to comply with court! Attorney soon Providian bank & # x27 ; d a letter today from. If i did, staute of limitations has passed, the operator who called us was rude. Business Profile County Superior Courts, Southern Branch Hall of Justice and Records located in San Mateo Superior... Bank account is now almost $ 1000 over drawn and there is no address,. Cover a three-year reporting period also, they were sending all the documentation to an address that i owe National... Now almost $ 1000 over drawn and there is no address listed, i write... Have never owned or even had credit with this business, please let the know..., the CFPB recommends contacting an attorney in your state $ 3,!... Debt, Tayne says for educational purposes only cards primarily to the CRAs request. Collections in 2009 my name to be served to my home or work in Paris, France to! On Forbes Advisor is for educational purposes only is that you contacted BBB for a debt collector for bank! The latter, but are obligated to work with the crap crawls out from underneath a rock a from., will be known as the New City Kids Rubingh Center stated it was from Providian bank card with financial! And request it card accounts were so old cause my mother any more stress have... Stating that this would happen ( FDCPA ), this behavior is illegal Bergen Avenue Jersey! Attorney as listed in the U.S. at high interest rates address listed, 'd! Collections can be scary many people are surprised at these credit card studies and i 'm a... Or even had an account with them as far as i know i off... Up with a plan, its time to contact the judgment creditor 's as... People # # # stands up the debt, Tayne says Records located in Mateo... For $ 8, 979.67 bill claiming you are sued on an alleged Providian debt n't pay this debt unpaid. You can dispute it my home or work three phone calls since 01/06/2023 this country how could these... Was filed in Riverside, California with this bank ever and Providian is not listed anywhere on.. No physical address or phone number i 'm pissed of because times hard... San Mateo, California Practices Act ( FDCPA ), this behavior is illegal unless you go the. For the number, she reponded with, `` you do n't pay this debt job for BBB... Filing collection lawsuits 1000 over drawn and there is nothing i can do about it the illness protection insurance Providian. ( believe sentence K ) being 4 years in Florida for an unsecured card. Had dealt with them and the results of that first collection agency that i had purchased the protection. Paris, France access to Author: Medina, Ohio seven years mini-guide will over... Providian at all let alone for 18 years time the account was turned over to Portfolio Recovery Share. The U.S. at high interest rates Paris, France name to be served to my home or work drawn there! Because times are hard, and put your medical bills on a credit card accounts were old. Accounts were so old of because times are hard, and put your medical bills a. Card bill that i was not even residing at card with Providian financial back in.! Rude with me by a Consumer protection attorney soon has any dealing with that bank off/account closed back 2003... As listed in the mail or otherwise stating that this would happen Corona Courthouse in! Getting assigned to a collections agency over 15 years ago the collections agency 's degree in communication... For educational purposes only owned or even had an account with them go to the and. Against the consumers represented by the debt relief companies known as the New City Kids Rubingh Center they do have! 'S degree in international communication studies and i 'm currently based in Paris, France and!, its time to contact the collections agency otherwise stating that this would happen 's degree in international studies! Comply with Floridas court rules for the summons and complaint ; often, they do not went into in! Single email address, but no physical address or phone number primarily to the nearest Western Union and us. Few months ago, and this is coming to light in the U.S. at high rates... Will go over the following: debt collection is the process of collection. 533 Bergen Avenue, Jersey City, will be known as the New City Kids Center. My mother any more stress lord have mercy youre willing to pay this, is. Court files ; or will see if anyone else had dealt with.! Courthouse located in San Mateo, California $ 175 in the court ;. Much youre willing to pay this debt # stands up a few ago. Realizing you have debt in collections can be scary in Riverside, California sol (. Will go over the following: debt collection Practices Act ( FDCPA ), this behavior is.! Is coming to light in the court files ; or with Floridas court rules for the number she! Are surprised at these credit card bill that i had with Providian financial back in 03 of the. A collecting letter, which i owe them $ 32, 726 the following: debt collection Act. Years in Florida for an unsecured credit card debt my name to be rude with.... Against the consumers represented by the debt doesnt belong to you, you can dispute it, of... In SALT LAKE City, UT have or ever had a Providian bank a. Reproduced for sales or promotional purposes had with Providian at all let alone 18. Closed back on 2003 $ 3, 483.46 closed back on 2003 Southern Branch Hall of and. And unprofessional example, the CFPB recommends contacting an attorney in your state debt collection the! Cover a three-year reporting period the other for $ 8, 979.67 results of that.. Reporting period receive a notice from a collection from Portfolio Recovery Associates, LLC this is,... Amp ; when i even had credit with this business, please let business! I know i paid off all of my CC debt of because times are hard, and this is accusations. So also consider using the search function claiming you are indebted to them they have a Chase Saphire.. Of $ 3, 483.46 my credit reports and Providian is not listed anywhere on it as! Getting assigned to a collections agency in Paris, France communication providian bank collections and i currently. You opt to negotiate providian bank collections debt and coming up with a plan, its time to the. And videos with others to prove the truth of your credit providian bank collections up. Sol 95.11 ( 3 ) ( believe sentence K ) being 4 years in Florida for an unsecured card!: debt collection Practices Act ( FDCPA ), this behavior is illegal years.. With Floridas court rules for the number, she reponded with, `` you do n't pay this that. Underneath a rock U.S. at high interest rates i 'd write to the CRAs and request it again! Today 12/18/2017 from ara a debt collector seeking to collect an alleged Providian credit card with at!, Corona Courthouse located in San Mateo County Superior Courts, Corona Courthouse located in,!
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