Providian just garished my banking account without ever notifying me that they did this. Keep this proof in case the payment isnt recorded correctly or the debt somehow gets resold to another collector. You may have inadvertently reaffirmed the debt - which can now be put on your credit report. Providian was sold in 2005 and later sold again to Chase. Be aware that they are counting on all of us to be scared of our credit rating being ruined by NOT paying for services NOT rendered! 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. I am just beside myself with the crap crawls out from underneath a rock. Explain to the creditor why you cant make full payment. 2023 Forbes Media LLC. Plus, the Statute of Limitations has passed. All financial products, shopping products and services are presented without warranty. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. Get a return receipt for the letter to record that the collector received the letter. Check your credit report at least once a year to reduce any surprise calls from collections, Eweka says. At this point, your creditor is cutting its losses and is no longer involved. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. They are taking legit actions to collect a legit debt. TheCiti Simplicity Cardlets you pay off debt over a long period, with a 0% intro APR for 21 months on balance transfers from date of first transfer (after, 18.74% - 29.49% variable APR; balance transfers must be completed within four months of account opening). So if this bank does not exist who is the money going to? Keep in mind that not all debt collectors and creditors provide information to the credit reporting companies. thank u. As another example, many debt collectors cannot prove their case as required under the applicable Florida laws and rules of evidence. I just check my credit there was no providian collection now it's a judgement. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. However, real debt collectors still have to obey the law. 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 *****. It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. Subsidized student loans vs. unsubsidized student loans which is right for you? The card was open Dec.4th 2000-closed Sept. Started to receive calls from ******************************************* stating that I had a Providian credit card that I opened in **** and paid on it for 18 years and then went into default in 2018. If you are concerned that Sherman will screw you over (or even if you are not), I would highly recommend the following: 1. . I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. The only thing is that I cannot find any recent information on Sherman. what is going on need help please. She has never had a credit card. Providian bank. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! 14 complaints closed in the last 12 months. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. I've called recently and numerous times prior to take me to court for the past 10 years, so far they haven't. They said that I opened up a cc April 2001 & that they have served me papers before - which they have not. Providian needs to accurately report to the credit bureaus that my MasterCard is "paid as agreed" and "paid in full". I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. 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. However, you have no obligation to use their services. Ive called several different numbers for providian and no one seems to know what Im talking about. Get it notarized and send it to Providian and any other creditor listed on the collection letter. Paying in full can get the debt off your back for good, but make sure you get the agreement in writing first. Once youre notified, there are a few different paths you can take to resolve the debt. I have gotten my credit clear of everything except one old credit card collection. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. 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) They have 3 different collection agencies attempting to collect over $3000 on the same account. Login . You can say something like, Is there an option to settle this debt? Doctors: providian medical equipments LLC. What recourse were you able to take? The opinions you read here come from our editorial team. I was issued a court order from ForXXX & GarXXX pertaining to a Providian bill I do not owe. You may be upset, but trying to get revenge will not work. The original creditor may. Be sure you set an amount and schedule that won't strain your budget to the breaking point. KNOW YOUR RIGHTS and stand up to these jerks. In any case, the scammer will use all sorts of techniques to get you to . DO NOT give in. 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. the color of a red dog is (write the answer twice with an "@" between the words). Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. I had purchased the illness protection insurance through Providian. I received nothing in the mail or otherwise stating that this would happen. Worse, you can also lose the ability to dispute that you owe the debt. They are available onAnnualCreditReport.comthrough April 2021. BBB is here to help. Imagine you got sick a few months ago, and put your medical bills on a credit card. All they gave me was the CC#. Your first debt-payoff priority should be addressing the types of debts most likely to be toxic. Send the agency a letter by mail asking them to confirm their debt in writing. I called the Law firm collection agency and spoke to a extremely rude man who insisted I give him my address before he would tell me anything. They told me they will continue to harass me until i pay the debt in full. She called me a 'b***h' and I hung up. Note: When you get your credit report, review it carefully for false, outdated, or inaccurate entries. Be-careful you loos your money . Tried to explain that this was not my account. ComplaintsBoard.com is a leading complaint resolution website on the Internet. Next, your creditor passes it to a third-party agency that's separate from your card issuer, but contracted through them. Who would get the money. 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 not going to send mone to someone i do not even know. Typically, collections remain on a credit report for up to seven years. Youve stopped checking your credit score. There are risks with ignoring a debt in collections, like completely destroying your credit score and getting sued by the collector. They said they had left it at the front door. 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. If they want to take to court they have better provide my records. Search for the company name on the internet, review their website, call their number, etc. If you know the debt is yours, you do have the opportunity to negotiate a settlement. They are saying I owe $26, 365 but would accept $8, 081. to settle . Kathy Hinson leads the Core Personal Finance team at NerdWallet. Try a balance transfer card to get out of debt. As with any negotiation, start lower than your target. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. highland height Ohio. Note that complaint text that is displayed might not represent all complaints filed with BBB. I just check my credit there was no providian collection now it's a judgement. When evaluating offers, please review the financial institutions Terms and Conditions. NerdWallet strives to keep its information accurate and up to date. Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. She began shouting, said, 'Oh, here we go, another f******* deadbeat. BBB Business Profiles are subject to change at any time. Never pay a judgment unless you immediately get in return a signed and duly notarized 1) General Release and 2) Satisfaction of Judgment. If you have problems finding the original judgment creditor or have doubts over one who claims to be the judgment creditor, try the following: 1. Sherman AcquisitionsFinancial now has it and it is in judgment/collection on my credit reportsdue to be taken off my credit in December 2010. 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 sent them a reply requesting disclosure of this debt well over 6 months ago! We want our residents to feel at home and know they can count on us to answer questions and resolve issues promptly, honestly, and respectfully. 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. 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. Providian/WaMu is reporting an old SOL credit card on my credit reports. If there is no address listed, I'd write to the CRAs and request it. Read more:These newlyweds paid off $21,000 in credit card debt by following their own ruleshere's exactly how they did it. 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. obviusly it was a foreign btch who could speak 2 or 3 words of english. The amount of time that passes before the debt is released to collections depends on the type of loan. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. I will not allow them to disrupt my life. I got a letter from ARA Inc saying I owe Providian bank, who I have never heard of. Threatening to put a lein on my property. I finally called Chase bank (who bought Providian) and nicely explained to them my situation. I cover what's going on in the news and how it affects your bottom line. "The best thing to do to avoid having your debt going to collections is contact the creditor to set up a payment plan or ask for reduction on the amount of debt owed," says Eweka. Consult local counsel. I just received a collection from Portfolio Recovery Associates, LLC. A partial payment on your credit report will crimp your credit score, but it's better than an unpaid debt. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. I'm pissed of because times are hard, and this is coming to light in the worst time of my life. Having an account sent to collections can be stressful. My husband has no knowledge of this card and is adamant that he never had any credit cards during that time. Image Credit. They sued me and went to court in 04 and I did nothing about it (dumb youth). Quick Question I just got summoned for a credit card that I dont even recall was mine apparently they put on a Judgement againt me on 10/1/2007 and now i just recieved a letter from the . If you miss a payment, the debt collector may abandon the agreement and try to sue you for payment, which can lead to wage garnishment. This is false accusations, code violations and harassment. No matter which card you choose, you'll enjoy important features like: Convenient and Flexible Purchasing Power. File a complaint to Providian National Bank, Providian National Bank - Unfair Collection on account that I never opened, 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. I called the law firm and asked them to pleas investigate this matter and get back to me. Do you want to go to jail? Instead of immediately calling to try and resolve the issue, she recommends consumers take a moment to evaluate the situation and the path of resolution they want to go on. Since collected debt remains on a credit report for up to seven years, the CFPB estimates that about 13% of these tradelines are new. 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. "Remember that the amount of debt forgiven may be taxablewhen you file your tax return," advises Eweka. 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 did not agree to any amount as this is not my debt. I have Calvary portfolio collection agency, contacting me about a providian credit card from 2003. they almost put her back into the hospital.the dumb btch on the phone kept threatining to take her 800 dollar disability check! 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. Even if your debt is already in collections, debt collectors are not allowed to lie to you, threaten you, use obscene language or harass you by phone. You can do this yourself, even though many debt settlement companies will try to get you to pay them for this service. To pay off a collections account, you can make a payment plan, settle the debt or pay it off in full. 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. I told the guy I have no idea what credit card hes talking about . I understand from research that it was sold a couple times, I believe first to Washington Mutual, Now to Chase. + Leaflet | OpenStreetMap contributors | Open In Google Maps Our mission . I live in a bulding & too leave it at the front door is just plain stupid. I do not owe anything. They also told me they will continue to report it to the credit bureau. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! Do your research and always know what the total cost will be to hire help. Im not a fan of making the first offer.. Negotiating a settlement takes persuasion and caution. The CFPB recommends creating a realistic repayment proposal that is based on how much you can afford in payments each month, after accounting for bills, other debt payments and emergency costs. I asked again for the number, she reponded with , "you don't have to be rude with me. My husband stressed over this all weekend not knowing what was going on or what to expect. They are required to tell the other two agencies about your fraud alert. Explain to the creditor why you cant make full payment. #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. Performance information may have changed since the time of publication. 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. This review was chosen algorithmically as the most valued customer feedback. I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. Until today. I used to love this country how could anybody these days! 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. 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.. You may receive a 1099-C form that you must then report on your taxes. I told him for what ? If someone contacts you about a debt you owe, you can quickly identify whether it's real or fake. Cheryl lindsey. WHy can these guys get away with this. That is what they charge me; 18/99%. Her information put me in the right direction for action that kept me legal . It was for Providian credit card, out of business now, has been turned - Answered by a verified Consumer Protection Lawyer . Account closed, zero balance due. 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 credit cardthat offers 0% interestfor a certain length of time (anywhere from six to 21 months). We know where you f*****g live!' After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. This complaint was posted by a verified customer. Now they have 3 different collection agencies attempting to collect over $3000 on the same account! I have over 8 years experience in this field and a working relationship with a law firm who specializes in cases like yours that may have them PAY YOU! Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$ 6.5 billion in October 2005. They are both reporting the same account and account balance. Have any of you received a resolution from calls stating you owed them money? not gonna wait for them to do what ever they want. Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. This option can help you pay off the debt in a manageable way. In some forum areas, you may have to register (sign up) before you can post. Be sure you set an amount and schedule that won't strain your budget to the breaking point. I receive a notice from a collection agency that I owe Providian National bank $2222.11. Individuals with extremely low credit scores can benefit greatly from reporting positive rental payment history to credit bureaus. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. 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. Select a topic to see what people are saying about different issues Professional development He told me I owed money to Providian bank. 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! You might be using an unsupported or outdated browser. will try to get you to pay them for this service. Providian called me, offered the settlement, to which I agreed, sent them the money they required to fulfill the settlement at that time, & that was that- done, over. I too received a collecting letter, which I owe nothing because I never has any dealing with that bank. 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. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. The use of this website means that you accept the confidentiality regulations and the conditions of service. However, a new report from Pew Charitable Trustfound that increasingly, collections companies are taking debt settlements to civil court. All times are GMT-5. In the future, collectors may be able to communicate via email and text messages, and would be limited to seven attempts of calls per week (per debt). To simply view messages, select the forum that you want to visit from the list below. My bank account is now almost $1000 over drawn and there is nothing I can do about it. 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. All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. As with any negotiation, start lower than your target. 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. Beyond answering listeners' money questions on "Smart Money," Sean also interviews guests outside of NerdWallet and produces special segments to explore topics like the racial wealth gap, how to start investing and the history of student loans. 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. Further information is available in our FICO Data Privacy Policy. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. I was told that the debt is over $15,000 with all attorney and legal fees. They want me to settle and I don't have money to pay and I have never had an account with this bank. 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. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. We called and another female operator confirmed my mom's name and birthday. For help, please check out the HELP section of the forum and forum announcements. I dont have a credit card, and its been 14 years since you claim I had that one . No fee for additional employee cards. In April I have 4 negative accounts coming off so will see how much that changes the score as well. I was going to reach out them once I got some imput on from everyone here. Close. Helps credit card holders safeguard their ability to make payments. Real debt collectors will often try to get payment quickly, but if your collector is being very pushy, you should be suspicious. Ask Your Own Legal Question. And before you enroll in any type of financial assistance, considerwhat's best for your situation.
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