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! Something went wrong. Now, probably because they are going broke, they want the rest of the monies they agreed to difur 7 years ago. This comment was posted by a verified customer. This case was filed in San Mateo County Superior Courts, Southern Branch Hall Of Justice And Records located in San Mateo, California. We will see if this corporation as people ### stands up. He asked me to make payment arrangements . 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". Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. This review was chosen algorithmically as the most valued customer feedback. Fishers, in. Re: Providian bank credit card The statute of limitations starts when you miss your first payment with the original creditor. They are saying I owe $26, 365 but would accept $8, 081. to settle . *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. This is supposedly from 2003 or 2004 making this an approx 13 year old issue again past Fl. 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. Customer Reviews are not used in the calculation of BBB Rating. That was the principal balance at the time the account was turned over to Portfolio Recovery. Those lawsuits are not brought by Providian, which does not exist any longer; instead these credit card lawsuits are typically brought by debt collectors (for example, Arrow Financial) who have purchased the debt from Providian, or its successors: Washington Mutual (WaMu) Bank or J.P. Morgan Chase. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. I think it's a scam. I've been featured as a personal finance expert in outlets like CNBC, Yahoo! If you leave it unpaid it will fall off eventually but will hurt worse in the long run. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. I have gotten my credit clear of everything except one old credit card collection. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". Presumably. Changes to the law are coming. The collection agency would give me no information other than the name of the company they were working for. I recommend you get your situation checked out for free by a Consumer Protection Attorney soon! . Providian had significant operations in California, New Hampshire, and Texas. widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. Youve stopped checking your credit score. The Forbes Advisor editorial team is independent and objective. Leslie H. Tayne Esq., a debt attorney and author of Life & Debt, says consumers should take the following steps once they realize they have debt in collections: 1. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. All Rights Reserved. And that they would settle for 5, 050.67 by june 1st.the collection agency is First Resolution Investment Corp. 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. Nationwide *Author of original report: PS.because I forgot to mention it! I received a call from ************** saying I owe money to Providian National Bank. ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. Claim it and get a lot of features. 1 mo. Providian sold their accounts to Unifund CCR Partners, who sold the debts to Great Seneca. Sorry this is vane again my correct email address is v.romero2@yahoo.com. I asked her for her name and she hung up on us. 10 yrs online! You cannot get away from us. 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. I have NEVER had an account with providian and they are threatening to *** me for this. I have read many of the complaints and urge you to go to the FTC site or your states Fair Debt Collection section and know your rights. 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! 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. My bank account is now almost $1000 over drawn and there is nothing I can do about it. Well guide you through the process. I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. so make sure they arent scamming first and do research before paying. For example, the lawsuit needs to comply with Floridas court rules for the summons and complaint; often, they do not. The case status is Disposed - Judgment Entered. Our lawyers and others will respond within 24 hrs! According to FICO, the more recent a collection is, the more it will hurt your score. Realizing you have debt in collections can be scary. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. . Vane. This review was chosen algorithmically as the most valued customer feedback. One for $9, 388.79 and the other for $8, 979.67. On November 7, 2000, the Hon. I'm having difficulty with contacts in order to get to the bottom off this. number and talked with a woman that claims I owed a credit card debt from 2017 for our Non-profit organization. Common legal notices served by this bank include: Summons & Complaint Default Judgment Wage Garnishment Bank Restraining Notice BBB Business Profiles are provided solely to assist you in exercising your own best judgment. I Just received a summons from Schreiber and Cohen LLC Trying to garnish my wages for a credit card I never had nor used. They gave me a case number and other phone number to call. The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. 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. That's ugly". BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The trick is charging a lot, repeatedly, for small doses of instrumental [sic]credit." This is over 22 years ago. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. They often go through the process of filing collection lawsuits. In some forum areas, you may have to register (sign up) before you can post. Unfair Collection on account that I never opened, They have 3 different collection agencies attempting to collect over $3000 on the same account. Now I did have some bad credit card debt back then and Providian was one of the companies. I had purchased the illness protection insurance through Providian. Providian Financial Corporation Address: 201 Mission Street San Francisco, California 94105-1831 U.S.A. Telephone: (415) 543-0404 Fax: (415) 278-6028 http://www.providian.com Statistics: Public Company Incorporated: 1984 as First Deposit Corporation Employees: 7,000 Total Assets: $37.66 billion (2001) Stock Exchanges: New York Pacific There are no debts/collections showing on his credit reports and the news from HR was the first time we've heard of this. My husband stressed over this all weekend not knowing what was going on or what to expect. Read more on. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. 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. my funds 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. Can anyone out there help us? If u have any suggestions. Has anyone had dealings with this company? I just received a letter from a collection agency saying I owed 10, 101.34. 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. and told me that this was from the 1990 . 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. The building, located at 533 Bergen Avenue, Jersey City, will be known as the New City Kids Rubingh Center . 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. Finallt i spoke to someone who told me the debt was from 2000 and they would kindly settle for $2500 and i flipped out because this wasnt my debt! wouldn't give us any info, and wouldn't listen . The case status is Disposed - Other Disposed. I told them I never had a credit card from Providian and that I am still at the same address that they read to me. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$ 6.5 billion in October 2005. What are you willing to offer me to settle this debt? Tayne says. 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. 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! http://settlementscams.com/debtcollector.pdf. I have not knowledge of owing you guys anything When Do Accounts Get Sent to Collections? Two weeks ago I received a summons to court! Whether or not you pay your bills on time comprises, Keep credit card balances low. I just got a call from a collection agency that stated I owed roughly $2400 for a CC I never had (eyes rolling)how are they able to do this without oversight and accountability? Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. All times are GMT-5. BBB Business Profiles may not be reproduced for sales or promotional purposes. Providian was sold in 2005 and later sold again to Chase. Stop and take a deep breath . She claims I took out the credit card in Sept. of 2017 however my non-profit wasn't established until 4/20. We will get you. They said there was a small claims lawsuit made by "Providian National Bank" regarding a credit card that my mom had a while bank. Because if you don't pay this, that is where you are going! Threatening to put a lein on my property. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. 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. 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