Ask Your Own Legal Question. Finally, contact a major credit reporting agency. If you miss a payment, the debt collector may abandon the agreement and try to sue you for payment, which can lead to, 7 Debt Tips from People Who've Been There, If you come into money through a tax refund or inheritance, or if you just. However, real debt collectors still have to obey the law. Do not sell or share my personal information. Texas consumers have reported many tactics used by debt collection scammers. 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. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. Any suggestions? Read more:These newlyweds paid off $21,000 in credit card debt by following their own ruleshere's exactly how they did it. Next, your creditor passes it to a third-party agency that's separate from your card issuer, but contracted through them. 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. 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. Two weeks ago I received a summons to court! If the agency is unsuccessful, your creditor sells your debt to a collections agency (sometimes known as a debt buyer) for pennies on the dollar. When a collections representative from your credit card issuer calls you, it's usually because you haven't made at least the minimum payment for at least 30 days. If u have any suggestions. The opinions you read here come from our editorial team. . Email me if u know . However, you need to assert those affirmative defenses promptly, or you may lose the ability to use those defenses later in the case, including at the trial of the credit card lawsuit. In many cases you can pay the court clerk and they will record asatisfaction of judgment. Has anyone had dealings with this company? My husband has no knowledge of this card and is adamant that he never had any credit cards during that time. 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. Services that help with debt settlements include debt attorneys or debt settlement companies. The complaint has been investigated and resolved to the customers satisfaction. 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. As with any negotiation, start lower than your target. It also can lead to the debt being marked paid in full on your credit reports, which can offset some of the damage done by delinquent debt. It will likely report it as partial payment rather than paid in full, but make sure you know before you agree. 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. Help! If there is no address listed, I'd write to the CRAs and request it. This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. They said that they are going to get back to me. 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. (800) 445-6500: Order New Checks. "Sometimes people do not even realize they have some of their debts.". Your first debt-payoff priority should be addressing the types of debts most likely to be toxic. A Member . How can I find out who Providian National Bank is. these providian [censored] are trying to go after my sick mother! Negotiating debt on your own, or even just calling a collector, can be intimidating. You can do this yourself, even though . But with effort and patience, a score will eventually recover. ASK a legal question; POST an issue. If they cause my mother any more stress lord have mercy! 0% APR on balance transfers for 12 months. Copyright 2013 Rudnitsky Law Firm . It should state: That the agreed-upon amount is sufficient payment for the entirety of the debt. Net change, score up from 584 to 598. 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. 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. It will fall off in 7 more months and then it cannot hurt him. However, they may be able to leverage the legal system in surprising ways, like suing you or freezing your assets. I have no contacted a lawyer to find out what's going on and what legal recourse I have. If your debt has not gone to collections yet, one option to help you save tons on interest and pay it off more quickly is to use a balance transfer . But in case you are among the 1 in 3 Americans with delinquent debt, it's worth knowing how debt collection works, understanding your rights and how to get help when you need it. Disclaimer: NerdWallet strives to keep its information accurate and up to date. I will not allow them to disrupt my life. They said they had left it at the front door. If you know the debt is yours, you do have the opportunity to negotiate a settlement. She earned a bachelors degree in journalism and mass communications from the University of Iowa. . All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. The complaint has been investigated and resolved to the customers satisfaction. ComplaintsBoard.com is a leading complaint resolution website on the Internet. 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. Your first debt-payoff priority should be addressing the types of debts most likely to be toxic. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. Great discounts from Great retailers and Online Access to your Credit Score. Supposeonly owing over $11000 they will settle for $2000. Nationwide *Author of original report: PS.because I forgot to mention it! Learn more. Credit Card Payment Protection. It was one of the leading credit card issuers in the country until it was sold to Washington Mutual (Wamu) in October 2005 for a whopping $6.5 billion. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. 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. 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. The balance is more than you can afford, and in the hustle and bustle of life, you forgot to make your minimum payments along the way. Contact the National Foundation for Credit Counseling (NFCC) and ask towork with a nonprofit credit counselor. This influences which products we write about and where and how the product appears on a page. Then contact the debt collector by phone or mail to propose the plan. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Once youre notified, there are a few different paths you can take to resolve the debt. Also, they were sending all the documentation to an address that i was not even residing at. 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. Tried to explain that this was not my account. I spoke with a rude dude in a heated argument before getting the hang up with him forwarding a letter from Douglas And Associates being of Los Angeles CA.. The paperwork looks legit but I wonder if this is a scam, ASTA Funding and Palisades Collections have perpetrated a massive fraud upon the American people. His writing has appeared in The New York Times, USA Today and elsewhere. Location of This Business One Mobility Plaza PO Box 156, Sewell, NJ 08080 I never heard of them! I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? It's very simple: Someone contacts you often by phone, but also by text message, fax, mail or email and claims that you owe a debt. More details on software and accessibility are available at WebAIM.org. If someone contacts you about a debt you owe, you can quickly identify whether it's real or fake. We'd love to hear from you, please enter your comments. Even if you pay it, it will stay on showing paid but it will still be there. It was a credit card bill that I had with Providian Financial back in 03. In any case, the scammer will use all sorts of techniques to get you to . 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. All Rights Reserved. I did not agree to any amount as this is not my debt. After evaluating the debt and coming up with a plan, its time to contact the collections agency. To start digging out of debt that's already in collections, "get some help quickly," says Eweka. Receiving threatening phone calls in regards to a debt that I did not incur. The act protects consumers from abusive, deceptive and unfair debt collection practices such as limiting debt collection calls before evening hours, not allowing incessant calling or communication via postcard and prohibiting the use of violence or intimidating language from the debt collector. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. will be forwarded to the company advertising on the DebtCC. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. Stop and take a deep breath . His writing has appeared in The New York Times, USA Today and elsewhere. I have now received three phone calls since 01/06/2023. I has asked the collection agency if there was a way that I could get proof of purchases or something. There are no debts/collections showing on his credit reports and the news from HR was the first time we've heard of this. For help, please check out the HELP section of the forum and forum announcements. Previously entered content was automatically saved. The greater the debt and the longer its been in collections the more likely the creditor is to accept a settlement. Login . The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. : If you owe money, the lender will sometimes hire a debt collection agency to try and get you to pay. 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. Get it notarized and send it to Providian and any other creditor listed on the collection letter. Single women own more homes than single men but get lower returns here are 5 tips to change that. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? We believe everyone should be able to make financial decisions with confidence. Today I got a call that I owed $2000.00 from providian credit card. I honestly dont know what to do or if this is legit. Sometimes, debt gets shuffled from one collector to another. They also claimed to have been sending me letters which I have never received. 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! Both of these banks were sued by many people for deceptive banking practices. We believe that a truly successful business puts customers first. 3. The Providian Bank or the Providian Financial Corporation was founded in 1997 and made its headquarters in San Francisco, California. I receive a notice from a collection agency that I owe Providian National bank $2222.11. OLD CC COLLECTION DEBT/RIP-OFF SCAM. 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. Providian was sold in 2005 and later sold again to Chase. 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. Information and translations of providian in the most comprehensive dictionary definitions resource on the web. Ive called several different numbers for providian and no one seems to know what Im talking about. Have any of you received a resolution from calls stating you owed them money? 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. 2. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. Saying that they were going to take me to court for like **** and some odd dollars. Break off contact with them and file a complaint. As a matter of policy, BBB does not endorse any product, service or business. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. 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. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. 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) Dont lose the ability to defend your case properly! Some collectors refuse to work with the latter, but are obligated to work with an attorney. Share This. Commissions do not affect our editors' opinions or evaluations. Kathy Hinson leads the Core Personal Finance team at NerdWallet. I do not owe anything. Providian/WaMu is reporting an old SOL credit card on my credit reports. 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. A very rude man at *********************** answered the phone. No matter which card you choose, you'll enjoy important features like: Convenient and Flexible Purchasing Power. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. . Write them down. It's your word against theirs. However, this does not influence our evaluations. Now, Chase is reporting the same account. 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. Select spoke withShelly-Ann Eweka (CFP, ChFC), a wealth management director at TIAA, who shares everything you need to know about debt collections. highland height Ohio. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. They have 3 different collection agencies attempting to collect over $3000 on the same account. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. Real debt collectors will often try to get payment quickly, but if your collector is being very pushy, you should be suspicious. I have never use Providian bank or ever financed anything in my life through them. They say I owe them $32, 726. You also cant be sued in any county other than where you lived when you signed the contract or at the time the lawsuit was filed. They have wiped me out! Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. My lawyer will be on them like flies on crap! Unless you made payments within the last 5 years, no suit can be brought lawfully, and the collector is violating the Fair Debt Collection Practices Act by making the threat. 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. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. According to Debt.org, there are three phases to debt collection: Six months is the general guideline, but according to Eweka there is "no set rule" on how many times you'll get a phone call or letter before your debt is turned over to an agency. Before you pay any debt to any collector, confirm that the debt is real and valid. i recieved the same thing. Because if you don't pay this, that is where you are going! BBB Business Profiles generally cover a three-year reporting period. The more you engage with scammers, the more likely you'll lose more money and time. He told me I owed money to Providian bank. Business Credit Cards. 9-26-2001 I submitted to Providian Credit Card Company a "Credit Protection Extension Request Form twice along with a medical letter. 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. With the counselor's help, call the collections agency and arrange a payment plan so the delinquent marks roll off your credit report as quickly as possible. Before Sean lead podcasting at NerdWallet, he covered topics related to consumer debt. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. 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. Seems as if anyone can send you a bill claiming you are indebted to them . 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! Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. They transferred me to credit card services to look up any old Providian accounts I might have had=none. Then file a complaint with us. Presumably. 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 can do this yourself, even though many debt settlement companies will try to get you to pay them for this service. This comment was posted by a verified customer. Do you have your official credit reports from the CRAs? Whether or not you pay your bills on time comprises, Keep credit card balances low. If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. Scammers survive by getting people to pay fake debts before they have a chance to realize they're being scammed. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. I told her I was not going to speak with her or even verify my name. I'm glad I was on the phone with my elderly mom as this is unacceptable. I had no clue why. I've requested my records and they won't give them to me, which is illegal. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. I am going to get a lawyer and sue the ### out of these ###ing crooked ### and get as much national attention as possible to bring them to their ###ing knees. However, a new report from Pew Charitable Trustfound that increasingly, collections companies are taking debt settlements to civil court. http://www.astafraud.com/. o6, thank you for the link, I found thatone too. Be sure to get everything in writing. Its going on the trash. 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. Finallt i spoke to someone who told me the debt was from 2000 and they would kindly settle for $2500 and i flipped out because this wasnt my debt! I have a master's degree in international communication studies and I'm currently based in Paris, France. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. I have several that will help. Business & Economics23 In October, the acquisition of Providian Financial credit card company for $6.1 driven by our long track . Don't miss:Here's the 'most basic rule of thumb' when it comes to paying off your debt, according to an expert. The card was open Dec.4th 2000-closed Sept. 2023 Forbes Media LLC. If you are dealing with Providian or one of its other companies, under a different name, be sure you have paid them off, and be certain that they do not cheat you. We will get you. And through our passion for real estate, we take care of our owners' properties like our own. My credit report is clean. They say I owe them $3037. This is a reality for millions of Americans. .$3000. Keep in mind that debt falls under a statute of limitations in each state. Ask them to place a fraud alert on your credit report. The options below all require at least a good credit score, so they are usually only effective to use before your debt falls into delinquency. They want me to settle and I don't have money to pay and I have never had an account with this bank. Pay all of your bills on time. I sent them a reply requesting disclosure of this debt well over 6 months ago! "A collection agency is a company that is hired by lenders, creditors, medical providers and federal and local governments to get you to pay or make arrangements to pay what you owe them," Eweka tells Select. 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. Explain to the creditor why you can't make full payment. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. I think it's a scam. Youve stopped checking your credit score. I told the guy I have no idea what credit card hes talking about . Helps credit card holders safeguard their ability to make payments. And be on the lookout for the signs of a debt collection scam. If the debt is more than 3 years old, you may not be able to be sued - but some items can still be reported to credit. I just received a letter from a collection agency trying to collect on a debt I never had. You can start the conversation on the phone, but dont make the payment until the debt collection company sends you a written agreement. BBB is here to help. Account closed, zero balance due. They addressed me by my maiden name which I havent been since 2012. If the debt doesnt belong to you, you can dispute it. 12 . A partial payment on your credit report will crimp. 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. I am just beside myself with the crap crawls out from underneath a rock. 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. 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 looked up the bank and called the numbers and they were not work. It was a credit card bill that I had with Providian Financial back in 03. Read more about Select on, Best Debt Consolidation Loans for Bad Credit, Personal Loans for 580 Credit Score Lower, Personal Loans for 670 Credit Score or Lower, National Foundation for Credit Counseling, One of the best travel credit cards has a new 80,000-point bonus offer. Are you sure you want to rest your choices? 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. By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) The collector cannot. A partial payment on your credit report will crimp your credit score, but it's better than an unpaid debt. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. International Association of Better Business Bureaus. About the author: Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. Be sure you set an amount and schedule that won't strain your budget to the breaking point. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. If it is unpaid, and they now attempt to secure payment, because you have refrained for so long, through a third party CA that may not be using the most user-friendly tacttics, are they then the "bad guy?". They gave me another # too call which was a collection agency. Contact the judgment creditor's attorney as listed in the court files; or. thanks According to FICO, the more recent a collection is, the more it will hurt your score. Dont respond and file a complaint with us. 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. That means that at the end of seven years, no matter how many times the debt was resold and re-reported, its likely the debt will be deleted from a credit report. 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. Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. 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. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. ComplaintsBoard.com is a leading complaint resolution website on the Internet. I have free, top notch attorneys for as long as needed. #1 Providian bank credit card 09-16-2015, 12:37 PM Today I got a call that I owed $2000.00 from providian credit card. Please try again later. My job has a strict policy about garnishments including termination. What are you willing to offer me to settle this debt? Tayne says. 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. 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.
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