I've called recently and numerous times prior to take me to court for the past 10 years, so far they haven't. . I do not owe anything. If u have any suggestions. But consumers have options and rights when going through the process. I am William Bumphus I got a letter from ARA Inc saying I owe Providian bank, who I have never heard of. We promise not to send you any unrelated messages, Click here if youd like to unsubscribe from notifications about new complaints of Providian National Bank. Is this your company? Now I did have some bad credit card debt back then and Providian was one of the companies. Performance information may have changed since the time of publication. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Submit a complaint and get your issue resolved. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. Services that help with debt settlements include debt attorneys or debt settlement companies. thank u. I finally called Chase bank (who bought Providian) and nicely explained to them my situation. Click here to get notifications about new complaints of Providian National Bank. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. 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 had purchased the illness protection insurance through Providian. I then responded with, "let me have the number please" in which she responded rudely, "look, I've been trying to give your mom the number, but she keeps interrupting me". I also had filed bankruptcy in between this time. I did not agree to any amount as this is not my debt. A female operator provided a case number and phone number of ************. i recieved the same thing. She called me a 'b***h' and I hung up. 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. I was going to reach out them once I got some imput on from everyone here. I know at the time, I banked with TCF Bank. Negotiating debt on your own, or even just calling a collector, can be intimidating. They guy was sooo rude & said that he advises me to get a lawyer. This compensation comes from two main sources. They sued me andwent to court in 04 andI did nothing about it (dumb youth). It does not start when the account was placed for collection. The settlement required Providian to pay over $100 million in cash, credits, and other benefits to the class, and to stop certain practices that were at issue in the class actions. It's 2016 and there still doing this. He confirmed my name and social security number. 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 will surely increase the credibility of your complaint. If they cause my mother any more stress lord have mercy! Recently, they have sold a large portion of their accounts better their image and financial position. The only thing is that I cannot find any recent information on Sherman. + Leaflet | OpenStreetMap contributors | Open In Google Maps 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?". ago. 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. This should remove the collection from their files. 60 reviews Licensed for 31 years Avvo Rating: 9.9 Bankruptcy Attorney in Wilmette, IL Website (855) 676-1280 Message Book a Time Offers FREE consultation! 1 mo. They say I owe 3000.00, like everybody else they are trying to scam. If there is no address listed, I'd write to the CRAs and request it. I asked her for her name and she hung up on us. 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. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. 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. Do you want to go to jail? Cheryl lindsey. 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. The have been accused of deceptive practices. Now, probably because they are going broke, they want the rest of the monies they agreed to difur 7 years ago. Said went into collection in 2001. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. To stop the contact, you would go through the same steps as if the debt was yours:Ask the collector to verify the debt, and then dispute it in writing. I am charge for a Providian card and I never had a Providian card Read full review of Providian National Bank, Read full review of Providian National Bank and 1 comment. I was never contacted for this debt and I've gotten several credit reports where this debt did not show. I called the law firm and asked them to pleas investigate this matter and get back to me. This often comes in the form of a "business record affidavit." The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. Today I got a call that I owed $2000.00 from providian credit card. 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. Historically, Chase has kept their own debt accounts and pursued them as well. 2023 Forbes Media LLC. First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. Re: HELP! The court clerk will then attempt to reach the judgment creditor and, if their efforts fail, the money reverts to the state presumably to help widows, infants and orphans. C. Ray. This is important, because debt collectors often try to collect on debts even when they do not have a legal right to do so, such as when the statute of limitations has expired. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. 1990-12-28. I just received phone message from someone claiming that they tried to serve me legal papers and they were returned because I wasn't at the address they had on file. On this page, you'll find a comprehensive collection of reviews and complaints from real customers who have used Providian Bank's products or services. In many cases you can pay the court clerk and they will record asatisfaction of judgment. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. 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. 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. 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. The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. I rec'd 2 letters today from a lawyers office with a "city marshall" heading. " I've requested my records and they won't give them to me, which is illegal. SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt. Hartman and Rice both had credit-card account s with Providian National Bank on which they allegedly owe money. I recommend you get your situation checked out for free by a Consumer Protection Attorney soon! It was a credit card bill that I had with Providian Financial back in 03. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. Hi everybody, I think that Providian Collection Agency is pulling a scam, do not pay them. The case status is Disposed - Judgment Entered. Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies. Payment history is the largest contributing factor to your FICO score. Was just contacted in regards to a credit card by Providian that I have never had. 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. Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! not gonna wait for them to do what ever they want. 2003-12-31. 11 yrs ago. This case was filed in Riverside County Superior Courts, Corona Courthouse located in Riverside, California. 15, Report #349004 . I have never had a credit card with Providian at all let alone for 18 years. It will fall off in 7 more months and then it cannot hurt him. Further information is available in our FICO Data Privacy Policy. 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'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. They claim I owe Providian $6000.00. Sherman acquisition although they are ruthless, they are a legit company. The amount of time that passes before the debt is released to collections depends on the type of loan. Just a recorded message when I answered with a reference number and number to call. I thought I was part of the lawsuit against Providian which is why they went into bankruptcy and were bought out for giving"subprime " rates. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$ 6.5 billion in October 2005. Never pay a judgment unless you immediately get in return a signed and duly notarized 1) General Release and 2) Satisfaction of Judgment. He told me I owed money to Providian bank. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. You can reach us on our office telephone (386-444-3032),by fax (888-990-1460)or by clicking here to send us an email message. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. Please try again later. good god our country is doomed. They gave me another # too call which was a collection agency. [protected], Desired outcome: The card was open Dec.4th 2000-closed Sept. 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. Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. what is going on need help please. 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. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Attached is a complaint filed against Providian bank with the FTC. Do you honestly think we can't get you? 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. You cannot get away from us. We know where you f*****g live!' That was the principal balance at the time the account was turned over to Portfolio Recovery. Contact the judgment creditor's attorney as listed in the court files; or. One million served! 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 *******. To late sue anyone. Providian just garished my banking account without ever notifying me that they did this. 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. Had purchased the illness protection insurance through Providian include additional FICO Score versions debt released... 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