Today I got a call that I owed $2000.00 from providian credit card. The greater the debt and the longer its been in collections the. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Some collectors refuse to work with the latter, but are obligated to work with an attorney. 9-26-2001 I submitted to Providian Credit Card Company a "Credit Protection Extension Request Form twice along with a medical letter. Be sure to get everything in writing. Providian/WaMu is reporting an old SOL credit card on my credit reports. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. The greater the debt and the longer its been in collections the more likely the creditor is to accept a settlement. All Rights Reserved. So they mailed me a letter asking me to make payment arrangements . Not only is that illegal, the debt has expired, so it is no longer legally collectible to boot! BBB is here to help. wel we just got one of these people calling an old address . the creditor is to accept a settlement. I am getting calls from a bill collector telling me they are going to garnish my wages for a providian credit card i - Answered by a verified Lawyer . SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt. Thereafter my account went into collections . I'm currently on disability being sole source of income can't afford nor verify this debt. 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. They say I owe them $3037. 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. First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. The statute of limitations on a credit card in Illinois is 5 years from default or last payment, whichever is later. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. 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! my close friend had a providian card back in the late 90's LATE 90'S AMERICAN PPL CAN YOU HEAR ME? These letters are very stressful and annoying. I cover what's going on in the news and how it affects your bottom line. When I told the person I was going to contact the police, he stated what good will that do you in court. 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. I know Providian was point A in the banking crisis of 2008 as they issued sub prime credit cards, sold off their debt to Washington Trust who was infamously involved in the sub prime mortgage business which lead to the Great Depression of 2008. 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 have received nothing concerning this situation. Re: HOW MANY POINTS FOR COLLECTION 'DROP OFF'. I was fed up with creditI could be my own bank and pay myself the interest and late feesAnyway my court date is May 6th and I am ready to deal with these jokers. If u have any suggestions. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. 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 three major credit bureaus(Experian, Equifax and TransUnion) are offering free weekly credit reports for the next year. Vane. 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. Worse, you can also lose the ability to dispute that you owe the debt. On "Smart Money," Sean talks with Nerds across the NerdWallet Content team to answer listeners' personal finance questions. These were from 2001 (collections) and 2004 (judgment). That's ugly". WELCOME! One million served! All Rights Reserved. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. Im not a fan of making the first offer.. How to Deal With Debt Collectors in 3 Steps, 5 Ways the Fair Debt Collection Practices Act Protects You. Credit Card Payment Protection. I do not have knowledge of this account. I'm having difficulty with contacts in order to get to the bottom off this. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. 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. This is a reality for millions of Americans. Lead Assigning Editor | Personal finance, credit scoring, debt and money management. Avvo Logo This is over 22 years ago. But if you've let it go unpaid for months, your issuer could pass it on to one of over 7,000third-party collections agencies in the U.S. Due to a recent promotion, I should now be referred to as. So, some debt collectors are real, and they're acting on behalf of the company to whom you owe 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. Please write me at v.romero@yahoo.com. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. After about six months (depending on the lender), they will give up. I wanted to see if anyone else had dealt with them and the results of that first. I was issued a court order from ForXXX & GarXXX pertaining to a Providian bill I do not owe. HELP! 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. 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. o6, thank you for the link, I found thatone too. Providian Financial Careers and Employment | Indeed.com Providian Visa Platinum with real Benefits. This is the only bill that is holding me up from financial freedom. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. Real debt collectors will often try to get payment quickly, but if your collector is being very pushy, you should be suspicious. Another company just called me about the same account and the woman on the phone stated she worked for an attorney, though she refused to say what attorney. : If you owe money, the lender will sometimes hire a debt collection agency to try and get you to pay. Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. 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. It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. Choosing the right credit card is easier than ever. What financial position am I in to pay this debt? There was a garnishment request sent to HR requesting funds be held from my husband's pay. Who would get the money. They say I owe them $32, 726. NerdWallet strives to keep its information accurate and up to date. Texas consumers have reported many tactics used by debt collection scammers. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. I witnessed the fraud occurring first hand. obviusly it was a foreign btch who could speak 2 or 3 words of english. 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. Now, Chase is reporting the same account. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. 10 yrs online! I am far from unreasonable, and I pay what I owe, if I owe. Are you saying that there is a judgment against you and you now want to pay the judgment off? Read more on. 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. This review was chosen algorithmically as the most valued customer feedback. A female operator provided a case number and phone number of ************. Funny thing is it has never been on my credit report as I never had a credit card until 2007. Do not sell or share my personal information. We earn a commission from affiliate partners on many offers and links. 3. You may have inadvertently reaffirmed the debt - which can now be put on your credit report. P.S. OLD CC COLLECTION DEBT/RIPOFF SCAM! so make sure they arent scamming first and do research before paying. 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. Unfair Collection on account that I never opened. Providian/WaMu/Chase/LVNV - Collections - Credit InfoCenter Forums 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. I have no contacted a lawyer to find out what's going on and what legal recourse I have. However, real debt collectors still have to obey the law. I have a master's degree in international communication studies and I'm currently based in Paris, France. Providian Credit Card Debt Lawsuit - Helping Florida Consumers 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. Previously entered content was automatically saved. Now, how can three companies try to collect the same time barred debt? I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. The U.S. I have no credit cards and never had any from Providian. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Youve stopped checking your credit score. Real debt collectors will accept normal, trackable payments (e.g., check, traditional credit card, etc.). This comment was posted by a verified customer. The collections agency tries to get you to pay back as much of the original debt as possible so it can make a profit. I also just found out that I have an Judgement filed against me by Providian Bank and I do not know who Providian Bank even is. It was for Providian credit card, out of business now, has been turned - Answered by a verified Consumer Protection Lawyer . 02:28 PM. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Well guide you through the process. How can they do this? my funds >>More: 7 Debt Tips from People Who've Been There. Re: HELP! ComplaintsBoard.com is a leading complaint resolution website on the Internet. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. 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. They say I owe 3000.00 and I never had a providian card . Providian National Bank Review: Unfair Collection on account that I The scammer might. Once youre notified, there are a few different paths you can take to resolve the debt. Finally, contact a major credit reporting agency. Next, your creditor passes it to a third-party agency that's separate from your card issuer, but contracted through them. It was paid off in ****. Contact Us | (800) 632-4600 | Provident Credit Union Further information is available in our FICO Data Privacy Policy. I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. I looked up the bank and called the numbers and they were not work. Great discounts from Great retailers and Online Access to your Credit Score. First of all, the law prohibits debt collectors from lying, threatening you with things they can't do or posing as government officials. If there is no address listed, I'd write to the CRAs and request it. They are required to tell the other two agencies about your fraud alert. 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. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. 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. The only thing is that I cannot find any recent information on Sherman. Submitted: 12 years ago. WHy can these guys get away with this. Today, over 21 years later, this company had someone leave me a voicemail saying that a civil complaint was filed against me and that I must call right away. California Personal & Commercial Bank - Credit Cards | Provident Bank They are saying I owe $26, 365 but would accept $8, 081. to settle . I say bring it on because I will sue the crap out of them right back.So let them bring it on! Do you have your official credit reports from the CRAs? Debt is toxic when it costs you too much in money or lost opportunity or carries too much risk. Can collector come after me for 20-year-old debt? - Yahoo Finance Whenever someone tries to collect a debt, ask for all of their company's information, including: Request all of these details. The more we know about current scams, the more likely it is we'll be able to identify or prevent similar scams in the future. If you want to settle for 50% of what you owe, for example, try starting at 30%. They searched my social, name, and address. Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. I never had credit with them. Many or all of the products featured here are from our partners who compensate us. 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. In many cases you can pay the court clerk and they will record asatisfaction of judgment. Someone paidtheir own money, out of pocketin the past to cover your prior debt. Think about the letter you received, Tayne says. Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer. International Association of Better Business Bureaus. I understand from research that it was sold a couple times, I believe first to Washington Mutual, Now 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. They gave me another # too call which was a collection agency. 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. 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). I think you can correct this whole thing including the judgement - go to debtorboards.com and post your question. 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. It's 2016 and there still doing this. Here is a list of our partners and here's how we make money. Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. In April I have 4 negative accounts coming off so will see how much that changes the score as well. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! It will fall off in 7 more months and then it cannot hurt him. 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. Stop and take a deep breath . They are available onAnnualCreditReport.comthrough April 2021. Negotiating a settlement takes persuasion and caution. Had a Providian credit card about 10 years ago and I thought it - Avvo 0% APR on balance transfers for 12 months. [br] Submit a complaint and get your issue resolved. Negotiating a settlement takes persuasion and caution. There are no debts/collections showing on his credit reports and the news from HR was the first time we've heard of this. Break off contact with them and file a complaint. 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! What recourse were you able to take? I need access to i recieved the same thing. All financial products, shopping products and services are presented without warranty. Individuals with extremely low credit scores can benefit greatly from reporting positive rental payment history to credit bureaus. If you find yourself in this situation, know you can seek free legal advice and/or pro bono counsel by looking up nonprofit legal aid organizations in your state. 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. This comment was posted by a verified customer. According to FICO, the more recent a collection is, the more it will hurt your score. No fee for additional employee cards. Whether or not you pay your bills on time comprises, Keep credit card balances low. You might be using an unsupported or outdated browser. The collection agency would give me no information other than the name of the company they were working for. Over 80,000 legal issues have been answered so also consider using the search function. We believe that a truly successful business puts customers first. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. Pre-qualified offers are not binding. Notify the court clerk that you are unable to locate the judgment creditor. 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. wouldn't give us any info, and wouldn't listen . I have gotten my credit clear of everything except one old credit card collection. I rec'd 2 letters today from a lawyers office with a "city marshall" heading. " VERY IMPORTANT: send all this to Providian by CERTIFIED MAIL! Travisbailey80@gmail.com. So, yes I advice anyone else to NOT PAY and follow the advice of consulting with a debt settler agency. 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. A large majority of debt lawsuits (over 90%) are against individuals who don't have legal representation. 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 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. "Sometimes, companies use collection agencies to service their debt collection process from the beginning, and other times it can take a longer amount of time," says Eweka. 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! KNOW YOUR RIGHTS and stand up to these jerks. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! Note that complaint text that is displayed might not represent all complaints filed with BBB. Close. 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. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. The collector must return your request before it can start trying to collect the debt again. Keep this proof in case the payment isnt recorded correctly or the debt somehow gets resold to another collector. There is plenty of information on them as a rip-off artists on ripoff.comandsuch on the internet but no information on the actual company.
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