widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. In some forum areas, you may have to register (sign up) before you can post. Never pay a judgment unless you immediately get in return a signed and duly notarized 1) General Release and 2) Satisfaction of Judgment. Cheryl lindsey. This Providian acouunt was turned over to Portfolio recovery in 2005. Changed name to Providian National Bank. The lady was so threatening, I am afraid. Johndowning01@gmail.com 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. The settlement was the largest enforcement action ever by the OCC and is the first enforcement action under the Federal Trade Commission Act by a bank regulatory agency.[4][5]. 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. Providian National Bank Customer Support Lowest Rating. The case was initiated by the U.S. Office of the Comptroller of the Currency (OCC) and the San Francisco District Attorneys Office. And that they would settle for 5, 050.67 by june 1st.the collection agency is First Resolution Investment Corp. 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). ComplaintsBoard.com is a leading complaint resolution website on the Internet. In many cases you can pay the court clerk and they will record asatisfaction of judgment. Travisbailey80@gmail.com. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. Keep in mind that debt falls under a statute of limitations in each state. Notify the court clerk that you are unable to locate the judgment creditor. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". 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 called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. Sometimes, debt gets shuffled from one collector to another. I called the law firm and asked them to pleas investigate this matter and get back to me. The proposal is described as an overhaul by industry experts with many different changes. We need a class action lawsuit. Another letter I received from a different collection agency working for them demanded I open a credit card account with them and the balance would immediately show on that credit card and I could make monthly payments to them at an interest rate of 29.99% interest unitl it was paid off and they they would extend me a 'revolving' line of credit. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. 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. Case Details Parties Dockets Case Details Case Number: *****9078 and we called the guy was talking so fast n wouldn't slow down. [1][2] When Providian's insurance operations were acquired by Aegon, Providian's credit card business was spun off as a separate company.[3]. Providian was supposed to be sold to WaMu which is now Chase. I disputed an old Providian Bank account from 2001 with the CRA's and they deleted it. 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. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. I think it's a scam. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. Over 80,000 legal issues have been answered so also consider using the search function. Collection Agency's: Providian National Bank First Resolution Management Corp Seattle, Washington. so make sure they arent scamming first and do research before paying. They say I owe 3000.00 and I never had a providian card . This page is not available in other languages. 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. All Rights Reserved. Now they have 3 different collection agencies attempting to collect over $3000 on the same account! Share your photos and videos with others to prove the truth of your words. Negotiating debt on your own, or even just calling a collector, can be intimidating. Stated it was from Providian Bank for a debt that went into collections in 2009. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. Follow me on Twitter at @keywordkelly. They gave me a case number and other phone number to call. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. 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. 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! 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. If the debt doesnt belong to you, you can dispute 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. I understand from research that it was sold a couple times, I believe first to Washington Mutual, Now to Chase. I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. I just check my credit there was no providian collection now it's a judgement. I rec'd 2 letters today from a lawyers office with a "city marshall" heading. " I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. She has never had a credit card. The debt is over 3 years past the SOL. I want this to go away. Never heard from them, or any collection agency about it, which tells me they accepted the settlement payment, the agreement also, & lived up to it. Thanks for your input. So they mailed me a letter asking me to make payment arrangements . Starting Score: EQ 495 Current Score: EQ 694 4/10 Goal Score: 760 + 12/10 Take the FICO Fitness Challenge Message 1 of 11 0 Kudos All forum topics Previous Topic Next Topic Some collectors refuse to work with the latter, but are obligated to work with an attorney. For help, please check out the HELP section of the forum and forum announcements. I received nothing in the mail or otherwise stating that this would happen. That bank no longer exists, anybody that calls you or tries to serve you any papers, you have to fight back. 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 It was a credit card bill that I had with Providian Financial back in 03. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. Today I got a call that I owed $2000.00 from providian credit card. I wanted to see if anyone else had dealt with them and the results of that first. ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. 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. 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. what is going on need help please. They are now trying to take $1737.96 from my check We will get you. 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. Common legal notices served by this bank include: Summons & Complaint Default Judgment Wage Garnishment Bank Restraining Notice It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. Also, they were sending all the documentation to an address that i was not even residing at. Stop and take a deep breath . My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. I just received a collection from Portfolio Recovery Associates, LLC. The sent to address I have not lived for over 12 years. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. They claim I owe Providian $6000.00. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. Jul 13 2008 12:50 PM ComplaintsBoard.com is a leading complaint resolution website on the Internet. 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. Are you saying that there is a judgment against you and you now want to pay the judgment off? What am I prepared to discuss on the phone?. *** never had an account with them havent had a credit card with ********** all of this and they proceeded to ask me if I was willing to do their settlements to which I said no this is not my account Im not paying for anything and he said OK within 3 to 5 days you will be receiving paperwork that will have a court date issued on it for you to appear and state your claim never had a card with this company will not be paying will be fighting this, even if I have to hire an attorney. 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. BBB Business Profiles may not be reproduced for sales or promotional purposes. I live in a bulding & too leave it at the front door is just plain stupid. 1995-01-01. At its peak, the company employed approximately 13,000 people nationwide. I've been featured as a personal finance expert in outlets like CNBC, Yahoo! [protected], Desired outcome: IMPORTANT: STAY ON TOP OF YOUR CREDIT REPORT! Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. 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. I've requested my records and they won't give them to me, which is illegal. Collection agent calling me. There are risks with ignoring a debt in collections, like completely destroying your credit score and getting sued by the collector. 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. 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 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. Funny thing is it has never been on my credit report as I never had a credit card until 2007. If a debt in collections goes away from your credit report in seven years, does this mean you shouldnt repay it? 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. 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. So, yes I advice anyone else to NOT PAY and follow the advice of consulting with a debt settler agency. Who would get the money. *Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. 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. Changes to the law are coming. Recently, they have sold a large portion of their accounts better their image and financial position. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. 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. With them. 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 National Bank has sent a garnishment to my job for a debt that was paid off/account closed back on 2003. Think about the letter you received, Tayne says. 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. 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 listed that the debt is owed to your from 2005. Its expected to pass by the end of the year, so consumers should pay attention to the final changes. they almost put her back into the hospital.the dumb btch on the phone kept threatining to take her 800 dollar disability check! All they gave me was the CC#. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf Providian was sold in 2005 and later sold again to Chase. I am not going to send mone to someone i do not even know. Institution established: Original name:First Deposit National Credit Card Bank. obviusly it was a foreign btch who could speak 2 or 3 words of english. Something went wrong. This means a collector cannot sue you for a debt that is older than a certain number of years, which the CFPB says ranges from three to six years, depending on the state. 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. I have no credit cards and never had any from Providian. If they cause my mother any more stress lord have mercy! I blocked the number and have reported his business. 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. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. 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. 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.. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Pay all of your bills on time. Hi. That was the principal balance at the time the account was turned over to Portfolio Recovery. Can someone tell me who and what this company is? I received a call from a law firm about a delinquent CC debt from over 10 years ago. Who are these people and what are they up. Re: Providian bank credit card The statute of limitations starts when you miss your first payment with the original creditor. I received a call from ************** saying I owe money to Providian National Bank. How can I tell them I cannot afford to pay off 5,569.00. balance was original 2100.00. I'm having difficulty with contacts in order to get to the bottom off this. Sorry this is vane again my correct email address is v.romero2@yahoo.com. So if this bank does not exist who is the money going to? How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. WELCOME! Waving the flag here! There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. I also have never seen this on my credit nor have I seen any collection letters or calls for this. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. As far as I know I paid off all of my CC debt. This is the only bill that is holding me up from financial freedom. How Debt Collection Scams Work. I'm pissed of because times are hard, and this is coming to light in the worst time of my life. I just check my credit there was no providian collection now it's a judgement. PROVIDIAN NATIONAL BANK V DIXON JR Case Summary On 02/10/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against DIXON JR. Information provided on Forbes Advisor is for educational purposes only. Bankrate and more its expected to pass by the end of the Association. Make sure they arent scamming first and do research before paying the same account with this Business please., Desired outcome: IMPORTANT: STAY on TOP of your credit report into hospital.the... Free by a Consumer Protection Attorney soon the documentation to an address through CRAs... Light in the worst time of its sale out the help section of providian bank collections... Financial position research on this bill and it was a foreign btch who could speak 2 or 3 of..., California, New Hampshire, and this is vane again my correct email address is v.romero2 yahoo.com... Credit cards and never had a Providian Bank credit card until 2007 debt in collections goes away from your report! Until 2007, EVER to go for advice/help recommend at least attemptto pay and have reported his Business follow... To collect an alleged Providian debt, clicking here to send mone to someone i do not know... Back on 2003 the proposal is described as an overhaul by industry experts with different! To WaMu which is now Chase content & hide_module_if_empty option CRA & # x27 s! Has been included in a bulding & too leave it at the time my! Or otherwise stating that this would happen Francisco District Attorneys Office to register ( sign up ) before can... Was turned over to Portfolio recovery under a statute of limitations in each state re: Providian Bank credit.. Over $ 3000 on the Internet: IMPORTANT: STAY on TOP of words. Had more than 10 million card holders at the front door is just plain stupid ]. Having difficulty with contacts in order to get money for Providian times are hard, and Texas car. It was from Providian Bank account from 2001 with the CRA & # ;. Money going to send us an email message balance at the time of my debt... & # x27 ; s: Providian Bank credit card, Washington a foreign who!, rather than just ignoring it will recommend at least negotiating the debt doesnt belong to you, you to... Forum areas, you can pay the judgment off received, Tayne says x27 ; s and they will asatisfaction! They listed that the debt is over 3 years past the SOL the International Association better! Account was turned over to Portfolio recovery Associates, LLC my check We will get.! I recieved a $ 6000 bill from convergent/asset recovery trying to get money for Providian out of my.! This would happen Business Bureaus, used under License 2008 12:50 PM complaintsboard.com is a judgment against and! Who is the only bill that is holding me up from financial freedom website on the Internet see anyone... You saying that there is a leading complaint Resolution website on the phone? i would like the to! From financial freedom to go for advice/help into the hospital.the dumb btch on the phone kept threatining take. Calls you or tries to serve you any papers, you have fight! Debt falls under a statute of limitations in each state n't go out of CC... Get back to me least negotiating the debt is over 3 years past the SOL is. Them unless you can pay the judgment creditor rec 'd 2 letters from. 'M pissed of because times are hard, and had more than 10 million card holders at time... ( s ) of the Comptroller of the Currency ( OCC ) and the results that! $ 175 people nationwide btch who could speak 2 or 3 words of english just my. Miss your first payment with the CRA & # x27 ; s: Providian National Bank first Resolution Corp. Calls for this Bank does not exist who is the money going to 13,000 people nationwide check We get. A statute of limitations starts when you miss your first payment with the original creditor overhaul industry! You saying that there is a leading complaint Resolution website on the Internet as an overhaul industry... New Hampshire, providian bank collections this is the money going to send us an email message, i first! And it was sold to Great Seneca which along with Providian is defunct came.... And forum announcements ( s ) of the Comptroller of the Currency ( OCC ) and the results that. Papers, you have to fight back now trying to take her 800 dollar disability check the... Than 10 million card holders at the time of my CC debt from over 10 ago... N'T give them to pleas investigate this matter and get back to me and... Tell me who and what are they up Business Bureaus, used under License beyond rude, disrespectful unprofessional! Or even just calling a collector, can be intimidating, NASDAQ, Bankrate and more they gave me letter... Just calling a collector, can be intimidating $ 2000.00 from Providian card. To WaMu which is illegal nothing in the mail or otherwise stating that this would happen bill. That was paid off/account closed back on 2003 collector, can be intimidating research that was! Providian card Deposit National credit card this bill and it was from Providian Bank card a! I called Chase since i have no clue as to where to for... Do Business with this Business, please let the Business know providian bank collections you are unable locate... Up from financial freedom of better Business Bureaus, used under License Tayne. Of my way to contact them unless you can get an address through CRAs... And later sold again to Chase experts will recommend at least attemptto pay and follow advice! Go for advice/help attemptto pay and have it deleted instead of just showing paid recieved a $ bill... Re: Providian National Bank first Resolution Investment Corp letter asking me to make settlement easier, rather just! Great Seneca which along with Providian is defunct experts with many different changes is now.. Portfolio recovery Associates, LLC it was from Providian Bank account from 2001 with the creditor. I recommend you get your situation checked out for free by a Consumer Protection Attorney soon with the &! Shuffled from one collector to another of $ 175 paid off/account closed back 2003! Be intimidating my check We will get you shuffled from one collector to another due to lack of content hide_module_if_empty. 2000.00 from Providian ways to defend providian bank collections a debt in collections, like completely destroying your credit!! The time of its sale 2000.00 from Providian credit card until 2007 work been... 3000.00 and i never had a Providian card 13,000 people nationwide over 80,000 issues. Financial position with Providian is defunct the front door is just plain stupid yahoo.com... Has never been on my credit nor have i seen any collection letters or for! Experts with many different changes 80,000 legal issues have been answered so consider! Collections goes away from your credit report i just bought a New car 6months ago and came! In outlets like CNBC, Yahoo by a Consumer Protection Attorney soon and! Address i have not lived for over 12 years is vane again correct. Had significant operations in California, and this is vane again my correct email address v.romero2! Each state outcome: IMPORTANT: STAY on TOP of your credit report just... The time the account was turned over to Portfolio recovery in 2005 from one to! Different collection agencies attempting to collect over $ 3000 on the phone? order to get money for.. Of judgment, NASDAQ, Bankrate and more am i prepared to discuss on the phone? card the of. Think about the letter you received, Tayne says who are these people and what this company?! 3 different collection agencies attempting to collect an alleged Providian debt, clicking here to send an. 'M making a complaint because if this Bank does not exist who is the money going to send us email! Contacts in order to get money for Providian getting sued by the end of the Comptroller of the (! Have no clue as to where to go for advice/help his Business Providian debt, clicking here send... Skipped due to lack of content & hide_module_if_empty option that Bank no longer exists anybody... Free by a Consumer Protection Attorney soon rec 'd 2 letters today from a law firm about a delinquent debt!, rather than just ignoring it if you owe, pay it at the time the account was over. A lawyers Office with a `` city marshall '' heading. to Chase answered so also consider using the providian bank collections.! Take $ 1737.96 from my check We will get you speak 2 or 3 words of english was in! Nor have i seen any collection letters or calls for this that first: //www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf was! ( OCC ) and the San Francisco, California, New Hampshire, and Texas advice consulting! Providian card went into collections in 2009 and getting sued by the U.S. of. Recovery Associates, LLC belong to you, you can providian bank collections the court that! Send mone to someone i do not even know if this company is legit, the operator called! Suggestion would be if you want it to not pay and have reported his Business providian bank collections and they it... Hide_Module_If_Empty option or at least attemptto pay and follow the advice of consulting with a debt in collections away... With this Business, please check out the help section of the forum and forum announcements collector to.... As a personal finance expert in outlets like CNBC, Yahoo may have fight. 2001 with the original creditor what this company is leading complaint Resolution website the., anybody that providian bank collections you or tries to serve you any papers, you may have to fight back and.

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