Many factors affect your FICO Scores and the interest rates you may receive. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. So, some debt collectors are real, and they're acting on behalf of the company to whom you owe money. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. 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. Pre-qualified offers are not binding. They want me to settle and I don't have money to pay and I have never had an account with this bank. But if you've let it go unpaid for months, your issuer could pass it on to one of over 7,000third-party collections agencies in the U.S. Select a topic to see what people are saying about different issues Professional development Providian National Bank Review: Unfair Collection on account that I 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 *******. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. They transferred me to credit card services to look up any old Providian accounts I might have had=none. And, LVNV is reporting a hugely wrong balance on this old account(if they are even reporting my actual account..they won't validate). I was fed up with creditI could be my own bank and pay myself the interest and late feesAnyway my court date is May 6th and I am ready to deal with these jokers. Are you saying that there is a judgment against you and you now want to pay the judgment off? But then life got in the way you had unexpected travel costs or you had to replace your AC unit and you put all of that on your credit card bill, too. If it's not, you have three main options to pay off a debt in collections: This option can help you pay off the debt in a manageable way. You may also be sued. I have never use Providian bank or ever financed anything in my life through them. I am just beside myself with the crap crawls out from underneath a rock. 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. In the early 2000s I had no credit cards, I wasnt working and taking care of my sick grandmother. A partial payment on your credit report will crimp. Dont respond and file a complaint with us. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. , which can offset some of the damage done by delinquent debt. We will get you. Weigh the pros and cons of funneling money into wiping out debt versus the loss of money for other expenses. By the way one last thing. Nationwide *Author of original report: PS.because I forgot to mention it! Instead, let the collector make the first move. Finance and CBS News Radio. Here is a list of our partners and here's how we make money. Presumably. My bank account is now almost $1000 over drawn and there is nothing I can do about it. I'm a senior consumer finance reporter for Forbes Advisor. I do not have knowledge of this account. Ive called several different numbers for providian and no one seems to know what Im talking about. Lead Assigning Editor | Personal finance, credit scoring, debt and money management. Location of This Business One Mobility Plaza PO Box 156, Sewell, NJ 08080 Be-careful you loos your money . To pay off a collections account, you can make a payment plan, settle the debt or pay it off in full. One million served! They are sending someone to serve me with papers to appear in court. It's 2016 and there still doing this. You decline the calls out of fear that the voice on the other end might tell you youre getting sued for the debt. The statute of limitations on a credit card in Illinois is 5 years from default or last payment, whichever is later. I had a credit card with this company in ****. 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. ), I was never advised of this debt prior to summons & most important I DO NOT OWE! If the debt doesnt belong to you, you can dispute it. What is up with this bank? 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. "Sometimes people do not even realize they have some of their debts.". Until today. . Read more. How Debt Collection Scams Work. They say I owe them $3037. 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". . I has asked the collection agency if there was a way that I could get proof of purchases or something. I never had credit with them. Further information is available in our FICO Data Privacy Policy. Providian was supposed to be sold to WaMu which is now Chase. Why, after 14 years, do I get a phone call saying I owe them money? Today I got a call that I owed $2000.00 from providian credit card. So they mailed me a letter asking me to make payment arrangements . No exceptions. Be sure to tell your creditor about any financial hardships you're experiencing, such as a recent layoff, furlough or reduction in working hours. can get debt collectors off your back and put you on the path to restoring your credit and reclaiming your finances. Our mission . In some forum areas, you may have to register (sign up) before you can post. I want someone from *************** to call me and provide proof to me that I opened this account from over 20 years ago. 02:28 PM. Get it notarized and send it to Providian and any other creditor listed on the collection letter. Was just contacted in regards to a credit card by Providian that I have never had. 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. I blocked the number and have reported his business. Well guide you through the process. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. First, if criminal activity was involved, contact your local law enforcement. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. Providian Financial Sucks - They will pay. Oh yes, they will pay I asked again for the number, she reponded with , "you don't have to be rude with me. NerdWallet strives to keep its information accurate and up to date. 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? You can start the conversation on the phone, but dont make the payment until the debt collection company sends you a written agreement. As a matter of policy, BBB does not endorse any product, service or business. Avvo Logo Note that complaint text that is displayed might not represent all complaints filed with BBB. I live in a bulding & too leave it at the front door is just plain stupid. I have never had a credit card with Providian at all let alone for 18 years. Johndowning01@gmail.com 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. Providian/WaMu is reporting an old SOL credit card on my credit reports. My lawyer will be on them like flies on crap! The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. Show More. You are past-due, or delinquent, on your bills and your card issuer's collections representative calls you to pay your overdue balance. 2023 SELECT | All rights reserved. To get your free credit report authorized by law, go to AnnualCreditReport.com or call (877) 322-8228. Do not sell or share my personal information. Is that legal?? I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. Account closed, zero balance due. 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. 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. This process can take months, if not years, depending on how hard a score was hit due to bills in collections. All times are GMT-5. They say I owe the same thing. I just got off the phone with a collection company that is attempting to collect the balance of a settlement agreement I made with Providian National Bank over SEVEN YEARS ago! Contact the judgment creditor's attorney as listed in the court files; or. It's probably a scam, collection agencies usually send letters to your home to settle the debt before using other types of harassment. The most common types of debt that go to collections are credit card balances and medical bills, but there are many other reasons why people go into debt. How to Deal With Debt Collectors in 3 Steps, 5 Ways the Fair Debt Collection Practices Act Protects You. Can someone tell me who and what this company is? 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. This is the only bill that is holding me up from financial freedom. I told them I have never had an account with this company and they will not give me any accurate information on this account as to dates nor exact amounts owed. They talked about settling with me for over $4,000. Supposeonly owing over $11000 they will settle for $2000. There is plenty of information on them as a rip-off artists on ripoff.comandsuch on the internet but no information on the actual company. How can I find out who Providian National Bank is. No matter which route you take, make sure you get the agreement between you and the debt collector in writing to ensure both parties stick to the plan. 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. Can anyone out there help us? We've never taken out this credit card nor do we know who this is. my close friend had a providian card back in the late 90's LATE 90'S AMERICAN PPL CAN YOU HEAR ME? We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. Someone paidtheir own money, out of pocketin the past to cover your prior debt. The complaint has been investigated and resolved to the customers satisfaction. BBB Business Profiles are subject to change at any time. We believe that a truly successful business puts customers first. 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. File a complaint to Providian National Bank, They have 3 different collection agencies attempting to collect over $3000 on the same account, Providian National Bank - They have 3 different collection agencies attempting to collect over $3000 on the same account, 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. Understand your rights good god our country is doomed. How the debt collector will report the debt to credit bureaus. I told him for what ? If a judgement was entered and sherman is good at getting judgements, then it is going to stay on your report for 10 years from the date of judgement. That's ugly". Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Hi everybody, I think that Providian Collection Agency is pulling a scam, do not pay them. I had purchased the illness protection insurance through Providian. 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. My husband has received a letter from a Collection Agency for a Credit Card account which was closed and written off as a bad debt in 2009. . Before you make a payment on a debt, first determine whether the debt is past the. However, a new report from Pew Charitable Trustfound that increasingly, collections companies are taking debt settlements to civil court. 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. will try to get you to pay them for this service. 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. This review was chosen algorithmically as the most valued customer feedback. 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! Providian Visa Platinum Card. When he's not writing about personal finance, Sean can be found digging around his garden, going for runs and taking his dog for long walks. Find out more about how 0% APR cards work andhow to make the most of your balance transfer.. Information about the Citi Simplicity Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. I have a master's degree in international communication studies and I'm currently based in Paris, France. 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. I'm having difficulty with contacts in order to get to the bottom off this. These ratings and reviews are provided by our users. Whenever someone tries to collect a debt, ask for all of their company's information, including: Request all of these details. Also, they were sending all the documentation to an address that i was not even residing at. Providian Bank Customer Service, Phone Numbers and Support Resources thank u. Providian Credit Card Debt Lawsuit - Helping Florida Consumers Be sure to get everything in writing. Explain to the creditor why you can't make full payment. This will surely increase the credibility of your complaint. I do not owe anything. HELP! OLD CC COLLECTION DEBT/RIPOFF SCAM! - myFICO Forums - 670451 I'm pissed of because times are hard, and this is coming to light in the worst time of my life. No Annual Fee. They told me they will continue to harass me until i pay the debt in full. 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. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Helps credit card holders safeguard their ability to make payments. They have wiped me out! Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer. It also can lead to the debt being marked paid in full on. In many cases you can pay the court clerk and they will record asatisfaction of judgment. 9-26-2001 I submitted to Providian Credit Card Company a Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. Providian/WaMu/Chase/LVNV - Collections - Credit InfoCenter Forums Show Less. Email me if u know . I do not have or ever had a credit card. have old credit card debt from 1996 It was for Providian credit 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! 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? To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. We believe everyone should be able to make financial decisions with confidence. Get a return receipt for the letter to record that the collector received the letter. Ignoring a lawsuit over a delinquent debt puts your wages, bank account or property. If you come into money through a tax refund or inheritance, or if you just hustle to earn the money, paying off the debt in full with a single payment can quickly resolve your debt collection woes. BBB is here to help. Ever. 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. All they gave me was the CC#. Read more on. Hello i am getting calls from a bill collector telling me they His work has appeared in USA Today, The New York Times and elsewhere. I rec'd 2 letters today from a lawyers office with a "city marshall" heading. " Providian Financial locations 3.7 Pleasanton, CA 3.8 Arlington, TX 4.1 San Francisco, CA 4.0 Sacramento, CA 4.4 Fairfield, CA 4.4 El Paso, TX 4.2 Oakland, CA Show all locations What's being discussed at Providian Financial? So how do we make money? If the collection agency agrees, it should send you a document outlining the deal. HOW MANY POINTS FOR COLLECTION 'DROP OFF' - The FICO Forums At some point, usually after 120 to 180 days of nonpayment, the creditor such as a credit card company, bank or medical provider gives up on trying to collect. If someone contacts you about a debt you owe, you can quickly identify whether it's real or fake. Select spoke withShelly-Ann Eweka (CFP, ChFC), a wealth management director at TIAA, who shares everything you need to know about debt collections. If you want to settle for 50% of what you owe, for example, try starting at 30%. Ask yourself, Do I owe the money? I was going to reach out them once I got some imput on from everyone here. How to know if a debt collector is a scam - MSN Do your research and always know what the total cost will be to hire help. Break off contact with them and file a complaint. Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. Collectors in bad-faith have been known to harass consumers with phone calls and demand larger payments than what is legal, among other deceptive practices. Then file a complaint with us. This page was generated at 05:43 AM. I had no clue why. And you have rights as a consumer. That would include such things as payday loans, high-rate credit cards, rent-to-own contracts or extended car loans. In April I have 4 negative accounts coming off so will see how much that changes the score as well. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. 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. For instance, a number of card issuers includingAmex,Bank of America,Chaseand more have stepped forward to offerfinancial assistance programs in light of the coronavirus pandemic. Rent, student loans and tax debts are other examples of what can get passed on to a collections agency. They have a website that list a single email address, but no physical address or phone number. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. The collections agency tries to get you to pay back as much of the original debt as possible so it can make a profit. A large majority of debt lawsuits (over 90%) are against individuals who don't have legal representation. 12 . If they refuse to answer all of your questions, there's a good chance you're in the middle of a scam. http://settlementscams.com/debtcollector.pdf. : If you owe money, the lender will sometimes hire a debt collection agency to try and get you to pay. 0% APR on balance transfers for 12 months. It can take up to seven years for your past-due history to disappear completely off your report, but as you work toward settling outstanding debts your score will consistently increase with time. A female operator provided a case number and phone number of ************. If they want to take to court they have better provide my records. I think you can correct this whole thing including the judgement - go to debtorboards.com and post your question. Research/discuss 85,000 issues in the forum or privately ASK A LAWYER NOW, click ASK NOW. My husband and I just got our account frozen by a lawyer stating we owe a debt of $6565 to PROVIDIAN NATIONAL BANK from 1999! 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. 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. Please try again later. U.S. and 30 countries. They said they had left it at the front door. 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. We will see if this corporation as people ### stands up. Scammers survive by getting people to pay fake debts before they have a chance to realize they're being scammed. All financial products, shopping products and services are presented without warranty.