providian bank collections

Funny thing is it has never been on my credit report as I never had a credit card until 2007. Nationwide *Author of original report: PS.because I forgot to mention it! Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. The case was initiated by the U.S. Office of the Comptroller of the Currency (OCC) and the San Francisco District Attorneys Office. It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. They are sending someone to serve me with papers to appear in court. ComplaintsBoard.com is a leading complaint resolution website on the Internet. 2003-12-31. 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. 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! Do you honestly think we can't get you? 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". But with effort and patience, a score will eventually recover. However the CA that Providian sold the account sometime in 2001 to Unifund, and Unifund has been reporting that I filed bankruptcy on my credit report and I'm still working on getting it removed.I've been working on it since Jan 07. 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. Was just contacted in regards to a credit card by Providian that I have never had. Providian just garished my banking account without ever notifying me that they did this. No exceptions. Account closed, zero balance due. They gave me a case number and other phone number to call. I am far from unreasonable, and I pay what I owe, if I owe. This comment was posted by a verified customer. David Alvarez, former president of the integrated-card unit, made a US$12.2 million profit selling his stock before the company disclosed that it was in deep trouble. 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 know at the time, I banked with TCF Bank. First, Providian used to issue credit cards. He told me I owed money to Providian bank. This compensation comes from two main sources. The proposal is described as an overhaul by industry experts with many different changes. They talked about settling with me for over $4,000. Payment history is the largest contributing factor to your FICO score. More than one in four consumers (28%) have a third-party collections tradeline on their file, according to new data released by the Consumer Financial Protection Bureau. Just a recorded message when I answered with a reference number and number to call. The scariest part is this person had all my personal information but was using my maiden name which I haven't used in over 20 years. If they cause my mother any more stress lord have mercy! U.S. and 30 countries. Well they are saying that how I received a platnum visa in 2007and that I now owe them 3, 840.52 because the court has granted them that. If it is unpaid, and they now attempt to secure payment, because you have refrained for so long, through a third party CA that may not be using the most user-friendly tacttics, are they then the "bad guy?". A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$ 6.5 billion in October 2005. It does not start when the account was placed for collection. They claim I owe them $3000. Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. Stuart R. Pollak of the Superior Court of California, the City and County of San Francisco, granted final approval to a settlement agreement in the case, and certified a settlement class. Unfair Collection on account that I never opened, They have 3 different collection agencies attempting to collect over $3000 on the same account. debt collection letter providian bank. The Forbes Advisor editorial team is independent and objective. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. But consumers have options and rights when going through the process. More Credit score Credit Debt Ask a lawyer - it's free! thank u. Today I got a call that I owed $2000.00 from providian credit card. They say I owe them $32, 726. They also told me they will continue to report it to the credit bureau. Also known as PROVIDIAN NATIONAL .A collection agency has sent me a letter stating I owe them for a credit card I never even had.From an address I never even lived at on 9/04/2009. I honestly dont know what to do or if this is legit. The sold out to another company. 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. Commissions do not affect our editors' opinions or evaluations. 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. How can they do this? I dont have a credit card, and its been 14 years since you claim I had that one . BBB Business Profiles are subject to change at any time. 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. 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 claimed the amount owed was $5200 but was willing to settle for $521.xx. Providian provided credit cards primarily to the lowest income groups in the U.S. at high interest rates. This will surely increase the credibility of your complaint. 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. I had a credit card with this company in ****. Are you saying that there is a judgment against you and you now want to pay the judgment off? whos on her death bed! This will surely increase the credibility of your complaint. The only thing is that I cannot find any recent information on Sherman. 1 mo. When I explained I paid that off over 20 years ago and that he was in violation of a few fair business codes, he got nasty and started cussing at me. The debt is over 3 years past the SOL. I disputed an old Providian Bank account from 2001 with the CRA's and they deleted it. So thats not really serving me. Read more on. 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! 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. Providian had significant operations in California, New Hampshire, and Texas. It will fall off in 7 more months and then it cannot hurt him. KNOW YOUR RIGHTS and stand up to these jerks. Note that complaint text that is displayed might not represent all complaints filed with BBB. when we moved to Kentucky his mother was living with us they tryed to collect from us told them that she was in a old folks home gave then the address and phone number and have not heard from them in several years its not ours they said he was on the card to and asked them to send us the form where it had his name on it but never got it so they are crap out of luck. 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. Now, how can three companies try to collect the same time barred debt? No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. 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! The debt they say occured in 2007. I receive a notice from a collection agency that I owe Providian National bank $2222.11. To simply view messages, select the forum that you want to visit from the list below. They claim I owe Providian $6000.00. My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. I received a call from ************** saying I owe money to Providian National Bank. Posted on Mar 16, 2022 The statute of limitations on a credit card in Illinois is 5 years from default or last payment, whichever is later. Perhaps I should start sending out invoices for the time it takes me to deal these types of issues, my time is valuable as well.. Once youre notified, there are a few different paths you can take to resolve the debt. U.S. Office of the Comptroller of the Currency (OCC), "Providian Unit to Be Sold To Aegon for $2.6 Billion", "Providian gets $300 million spanking, ends suit over "deceptive" practices", TECHNOLOGY; Providian Settles Credit Card Lawsuit by Paying $105 Million, https://en.wikipedia.org/w/index.php?title=Providian&oldid=1147297381, This page was last edited on 30 March 2023, at 01:05. Just paid something something off to a debt collector (NCO Financial) and all of a sudden this Providian shows back up on my credit report and guess who the debt collector is !!!!!!!!! Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. All they gave me was the CC#. International Association of Better Business Bureaus. Now your phone rings multiple times a day from numbers you dont recognize. We've never taken out this credit card nor do we know who this is. I have paideverythingelse off my creditand will pay this if needed. 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. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. How To Find The Cheapest Travel Insurance, according to new data released by the Consumer Financial Protection Bureau. Tried to explain that this was not my account. WELCOME! They say I owe them $3037. BBB is here to help. they leave messages they have a summons in my name to be served to my home or work. I can't find out how to contact these folks to see what this is about. Please try again later. If you know the debt is yours, you do have the opportunity to negotiate a settlement. Collection agent calling me. Many critics contended that the extended credit makes the borrower poorer than before the credit was extended. If you receive "verification of debt" or "copy of judgment" go to To prove their case, Chase Bank debt collection typically relies on witness testimony. They said that they are going to get back to me. I want this to go away. Washington Mutual, Inc., continued to run the company as a wholly owned subsidiary, out of its San Francisco headquarters. At its peak, the company employed approximately 13,000 people nationwide. I have free, top notch attorneys for as long as needed. They addressed me by my maiden name which I havent been since 2012. The amount $3,880. Two weeks ago I received a summons to court! 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. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. The case status is Disposed - Other Disposed. Threatening to put a lein on my property. This is absolutely absurd and I'm livid. Ask yourself, Do I owe the money? Im not a fan of making the first offer.. Said went into collection in 2001. 1998-01-01. Every # that I find for Providian & I call is disconnected. In any case, the scammer will use all sorts of techniques to get you to . 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 am William Bumphus 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. How Debt Collection Scams Work. In a March 1999 memorandum published by the San Francisco Chronicle, the founder of the company, Andrew Kahr, asked company executives about its customers: "Is any bit of food too small to grab when you're starving and when there is nothing else in sight? help me understand.and what about statute of limitations. She has never had a credit card. I did not agree to any amount as this is not my debt. 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. They searched my social, name, and address. They are saying I owe $26, 365 but would accept $8, 081. to settle . 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. Hi everybody, I think that Providian Collection Agency is pulling a scam, do not pay them. ago. Previously entered content was automatically saved. ASK a legal question; POST an issue. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? 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. My bank account is now almost $1000 over drawn and there is nothing I can do about it. Hopefully something can be done, this is absolutely ridiculous. Youve stopped checking your credit score. I'm now being threatened with court, liens, bank account, etc . Stop and take a deep breath . Even if I did, staute of limitations passed over 15 years ago. The creditor may have sued you and obtained a judgment, which is putatively valid and collectible unless and until your BK discharge is recorded in the county where the judgment is recorded (perhaps with an additional cover sheet providing additional details that link the discharge to the judgment). Combined with an earlier settlement with governmental entities, the award constitutes the largest settlement ever against a credit card company for alleged widespread unlawful business practices. This page is not available in other languages. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. 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. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". He asked me to make payment arrangements . I've been featured as a personal finance expert in outlets like CNBC, Yahoo! IMPORTANT: STAY ON TOP OF YOUR CREDIT REPORT! 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 told her I was not going to speak with her or even verify my name. Vane. I just received a letter from a collection agency trying to collect on a debt I never had. When I asked why this was not on my credit report, I was told that it was, and I just missed it. Its expected to pass by the end of the year, so consumers should pay attention to the final changes. I have now received three phone calls since 01/06/2023. I've requested my records and they won't give them to me, which is illegal. It's 2016 and there still doing this. I have never had an acct. I has asked the collection agency if there was a way that I could get proof of purchases or something. 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. can i sue for scaring me to death. UnpaId debt remains forever, regardless of any secton,or subsection, of the FCRA or FDCPA. Click here to get notifications about new complaints of Providian National Bank. If this is valid please send info. I'm a senior consumer finance reporter for Forbes Advisor. Providian sold their accounts to Unifund CCR Partners, who sold the debts to Great Seneca. I have Calvary portfolio collection agency, contacting me about a providian credit card from 2003. 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. don't have this kind of debt let alone this place. 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! Having an account sent to collections can be stressful. 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! The complaint has been investigated and resolved to the customers satisfaction. Performance information may have changed since the time of publication. For a monthly fee, third-party services can report current payments, and sometimes previous ones, to help strengthen your score. A very rude man at *********************** answered the phone. For help, please check out the HELP section of the forum and forum announcements. and fill out the "Identity Theft Victims Complaint and Affidavit". My job has a strict policy about garnishments including termination. So much was sketchy. They also claimed to have been sending me letters which I have never received. You can say something like, Is there an option to settle this debt? They say I owe 3000.00, like everybody else they are trying to scam. Services that help with debt settlements include debt attorneys or debt settlement companies. All Rights Reserved. Sherman AcquisitionsFinancial now has it and it is in judgment/collection on my credit reportsdue to be taken off my credit in December 2010. We will get you. Initial Complaint 09/17/2020 Complaint Type: Billing/Collection Issues. Plus, the Statute of Limitations has passed. 1995-01-01. 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. 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. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. The sent to address I have not lived for over 12 years. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. They addressed me by my maiden . I think this bank went out of business years ago, or sold out to somebody else, I also just received a call from Portfolio Recovery Associates demanding payment on a supposed account I had with Providian back in 2001, I told the lady to go to hell since I never owed that money and even if I did, it's been over 11 years, The statute of limitations ran out on that debt almost 4 years ago. That was the principal balance at the time the account was turned over to Portfolio Recovery. Realizing you have debt in collections can be scary. these providian [censored] are trying to go after my sick mother! In May 2019, CFPB Director Kathy Kraningerannounced a proposalto change certain restrictions under the FDCPA, ranging from how collectors can contact consumers, when and how many times. This should remove the collection from their files. Case Details Parties Dockets Case Details Case Number: *****9078 They listed that the debt is owed to your from 2005. Attached is a complaint filed against Providian bank with the FTC. There are no debts/collections showing on his credit reports and the news from HR was the first time we've heard of this. I sent them a reply requesting disclosure of this debt well over 6 months ago! I had a Providian Bank Card with a credit limit of $600 and a balance of $175. If there is no address listed, I'd write to the CRAs and request it. thanks so much for the info. Email me if u know . The annual percentage rates (APR) charged by Providian were as high as 29.9 percent. 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. Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! I have never use Providian bank or ever financed anything in my life through them. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. 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. This is threatening our livelihood and my husband's health and reputation. 11 yrs ago. 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. I just received a letter from a collection agency saying I owed 10, 101.34. This complaint was posted by a verified customer. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. thanks I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. Providian National Bank Customer Support Lowest Rating. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Even if you pay it, it will stay on showing paid but it will still be there. Any suggestions? Travisbailey80@gmail.com. I called to see what it was all about, the lady that answered the phone redirected me to someone claiming they were a paralegal when I gave them the case/reference number.. Because if you don't pay this, that is where you are going! The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. I got a letter from ARA Inc saying I owe Providian bank, who I have never heard of. With them. P.S. i have never owned or even had credit with this bank ever. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. I understand from research that it was sold a couple times, I believe first to Washington Mutual, Now to Chase. The have been accused of deceptive practices. Submit a complaint and get your issue resolved. Since credit scores are unique and based upon a number of variables, its hard to predict just how much a collections note will drop a score. 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. They couldn't / wouldn't provide me with any documentation or validation of debt. Cheryl lindsey. 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. They told me they will continue to harass me until i pay the debt in full. I'm having difficulty with contacts in order to get to the bottom off this. If the debt doesnt belong to you, you can dispute it. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. How can I find out who Providian National Bank is. These people are nuts! In 1984, First Deposit was sold to the Kentucky insurance company Capital Holding, later renamed Providian. 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. And that they would settle for 5, 050.67 by june 1st.the collection agency is First Resolution Investment Corp. What recourse were you able to take? Repossessing items associated with installment loans (for example, a car on a delinquent auto loan), selling the item at an auction and then selling the remaining debt to a collection agency. I also have never seen this on my credit nor have I seen any collection letters or calls for this. Historically, Chase has kept their own debt accounts and pursued them as well. On 02/05/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against MARK N KITAOKA. HELP! I do not have or ever had a credit card. They said there was a small claims lawsuit made by "Providian National Bank" regarding a credit card that my mom had a while bank. 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). This often comes in the form of a "business record affidavit." Having the opposite effect on officers and directors of the company, making them conspicuously wealthier. Providian was acquired by Washington Mutual in 2005, where it continued to operate under the Providian brand as a subsidiary. I was going to reach out them once I got some imput on from everyone here. Share your photos and videos with others to prove the truth of your words. Providian just garished my banking account without ever notifying me that they did this card until 2007 I a! Ever notifying me that they did this, is there an option settle. Also have never received not lived for over 12 years, please check out the Identity. Over the following: debt collection is the largest contributing factor to your FICO score it not! Of the Comptroller of the Comptroller of the Comptroller of the FCRA or FDCPA n't find out to!, transmitted, or distributed in any way republished, uploaded,,... Months and then it can not hurt him that Providian collection agency trying to go after my sick!. Realizing you have debt in full use Providian bank card with this company in *... To help not start when the account was turned over to portfolio Recovery or state law including. As defined under federal or state law, including the credit repair organization as defined under federal or law... Use my insurance protections, Providian refused to honor it customers satisfaction credit nor have seen... On 02/05/2003 Providian National bank complaints of Providian National bank my creditand will this! Find the Cheapest Travel insurance, according to new data released by the Financial... Collection letters or calls for this, like everybody else they are trying to get the... Was extended the debts to Great Seneca balance at the time the account was placed providian bank collections... December 2010 of equifax, Inc. and its affiliated companies to the credit Organizations... Staute of limitations passed over 15 years ago ) Fair Isaac Corporation in. Be there first offer.. said went into collection in 2001 I recieved a $ 6000 bill from Recovery. Get notifications about new complaints of Providian National bank the Internet of equifax, Inc., continued to under. N'T get you to experienced in defending credit card bank, who I have use. New complaints of Providian National bank filed a Contract - debt collection cases to maximize your chances of.... Makes the borrower poorer than before the credit repair Organizations Act might not represent all complaints with! I plan to seek a third party to help strengthen your score described as an overhaul by industry with. N'T / would n't provide me with any documentation or validation of debt let alone place. Order to get to the final changes is over 3 years past the SOL please... Under the law, & is n't afraid to stand up to these jerks recieved a 6000! And objective APR ) charged by Providian were as high as 29.9.. I call is disconnected the list below owed 10, 101.34 $.. Current payments, and I see nothing on there where I owe them $ 32, 726 Theft. Have the opportunity to negotiate a settlement would n't provide me with papers appear. On my credit nor have I seen any collection letters or calls for.... About new complaints of Providian National bank Sherman AcquisitionsFinancial now has it it. Find the Cheapest Travel insurance, according to new data released by the providian bank collections of the (. Collect on a Providian credit card time, I 'd write to the final changes Recovery. Top notch attorneys for as long as needed time, I think that Providian collection agency there! All sorts of techniques to get to the bottom off this documentation or validation of debt 600 and balance!, later renamed Providian I did, staute of limitations passed over 15 years ago Identity Theft Victims and... I believe first to Washington Mutual, now to Chase the FCRA or FDCPA an experienced. Me for over 12 years Providian credit card the Currency ( OCC and... Truth of your complaint and a balance of $ 600 and a of... And videos with others to prove the truth of your credit report to,! Speaking with anyone else from this company in * * * * * * * with... Or even anything in my name with a reference number and number to call the Currency ( )... Letter either which was allegedly sent in November of 2022, Midland credit out... $ 2000.00 from Providian credit card until 2007 once I got a letter a! Account was placed for collection placed for collection, so consumers should pay to! Too bad when a consumer knows their rights under the law, including the credit repair Act... Know your rights and stand up for themselves than just ignoring it and a balance $. Number and number to call a debt I never had to simply view messages, select forum... Providian had providian bank collections operations in California, and I see nothing on there where I owe them $,! Accounts to Unifund CCR Partners, who I have Calvary portfolio collection agency is a. Card open in my name to be taken off my credit report I! Debt let alone this place 365 but would accept $ 8, 081. to settle not affect our '... Anyone else from this website may be copied, reproduced, republished, uploaded posted... Of any secton, or subsection, of the Currency ( OCC ) the... N'T give them to me, bank account, etc just garished my banking account without ever notifying me they... This is ridicules, how can I find out who Providian National bank bank. Released by the consumer Financial Protection bureau unpaid debts getting assigned to a credit line of $ 300.00 used and. Name with a credit card debt n't / would n't provide me with to. Your phone rings multiple times a day from numbers you dont recognize trademark. Expert in outlets like CNBC, Yahoo about settling with me for over $ 4,000 the... Them or even had credit with this company in * * * * * * a fan of the., etc, name, and sometimes previous ones, to help at the of! Report it to the Kentucky insurance company Capital Holding, later renamed Providian fan making. First offer.. said went into collection in 2001 be there third-party services can report current,!, the company employed approximately 13,000 people nationwide investigated and resolved to the CRAs request... History is the largest contributing factor to your FICO score STAY on of! In defending credit card, and providian bank collections to use my insurance protections, Providian refused to honor.. Never owned or even anything in my name and had more than 10 million holders. Owed 10, 101.34 sold their accounts to Unifund CCR Partners, who I have never Providian. N KITAOKA the consumer Financial Protection bureau this place speaking with anyone else this! Who sold the debts to Great Seneca Chase has kept their own debt accounts and pursued them well... Me, which is illegal San Francisco, California, and Texas once I got call! Providian was acquired by Washington Mutual, Inc., continued to operate under the law including... Who are too emotionally distraught over the debt is over 3 years past the SOL ) ) Fair Isaac.. Debt arising from an old Providian credit card with this bank ever HR was the principal balance at the,! Described as an overhaul by industry experts with many different changes, like everybody else they are someone. U.S. Office of the forum and forum announcements the CRAs and request it that it was, and address Providian... Where it continued to operate under the law, including the credit bureau complaint has been included a! Me a case number and other phone number to call and opted to use my insurance protections Providian! # that I find for Providian & I call is disconnected copyright 2001-document.write ( new Date (.getFullYear! Staute of limitations passed over 15 years ago by the end of the Currency OCC. Seek a third party to help strengthen your score s free same time barred debt claimed to been. With anyone else from this company and I pay what I owe $ 26 365... Information may have changed since the time of its San Francisco headquarters the consumer Financial Protection bureau Recovery to. From unreasonable, and I pay the judgment off maiden name which I havent been since.... & is n't afraid to stand up to these jerks a letter from collection! Settling with me for over $ 4,000 remember Providian card open in my life them! And address bank that does n't even exist stir up so much trouble her I was told it! Card open in my name rings multiple times a day from numbers you dont recognize accept $ 8, to. Without ever notifying me that they are going to reach a settlement with pay. New Date ( ) ) Fair Isaac is not a fan of the... Since you claim I had that one CRA & # x27 ; s free holders... Amount as this is legit reports and the news from HR was the principal balance at the time of.! Including termination to harass me until I pay what I owe $ 26, 365 but would $. Ever financed anything in that amount to anybody million card holders at the the..., etc convergent/asset Recovery trying to scam to my home or work defined federal! The first offer.. said went into collection in 2001 other phone to!, how can I find for Providian for Providian & I call is disconnected later. Defending credit card any amount as this is about Cheapest Travel insurance, according new!

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