providian bank collections

The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. So why would I have a credit card. I Just received a summons from Schreiber and Cohen LLC Trying to garnish my wages for a credit card I never had nor used. can i sue for scaring me to death. 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. Initial Complaint 09/17/2020 Complaint Type: Billing/Collection Issues. Attached is a complaint filed against Providian bank with the FTC. They couldn't / wouldn't provide me with any documentation or validation of debt. Stated it was from Providian Bank for a debt that went into collections in 2009. You cannot get away from us. Do you have your official credit reports from the CRAs? Finance and CBS News Radio. Are you sure you want to rest your choices? If a debt collector tried to sue you after this time period has expired, you can raise the SOL as a defense against the lawsuit. 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. In 1981, Parker Pen acquired two banks to start a credit card company by the name of First Deposit, based in San Francisco. 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. 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". 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. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service. . this is very weird that they sent me the letter with an old address i use to live at with the wrong Social Security number. I am not giving them my bank info or anything else. 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. Today I got a call that I owed $2000.00 from providian credit card. Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! Until today. I am going to print this page so the judge can see all the false complaints Providian is filing this "account is from 2001 way past the time for a court case. They have wiped me out! Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. 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. We will see if this corporation as people ### stands up. Was just contacted in regards to a credit card by Providian that I have never had. They told me they will continue to harass me until i pay the debt in full. All rights reserved. OLD CC COLLECTION DEBT/RIP-OFF SCAM. Waving the flag here! I was served a summons by the deputy sheriff. Get it notarized and send it to Providian and any other creditor listed on the collection letter. . They said there was a small claims lawsuit made by "Providian National Bank" regarding a credit card that my mom had a while bank. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". They want $1900.00 from me and filing fees. I told them I never heard of them. These agencies then take responsibility for collecting the debt on behalf of the original company; or, sometimes, the agency buys the debt and then collects it on behalf of itself. 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. Someone paidtheir own money, out of pocketin the past to cover your prior debt. I am just beside myself with the crap crawls out from underneath a rock. The creditor may have sued you and obtained a judgment, which is putatively valid and collectible unless and until your BK discharge is recorded in the county where the judgment is recorded (perhaps with an additional cover sheet providing additional details that link the discharge to the judgment). I am not going to send mone to someone i do not even know. Any suggestions? They say I owe 3000.00, like everybody else they are trying to scam. 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. PROVIDIAN NATIONAL BANK V DIXON JR Case Summary On 02/10/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against DIXON JR. I know at the time, I banked with TCF Bank. Presumably. If you opt to negotiate the debt, Tayne doesnt recommend giving an amount of how much youre willing to pay off. 10 yrs online! That bank no longer exists, anybody that calls you or tries to serve you any papers, you have to fight back. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. But with effort and patience, a score will eventually recover. Said went into collection in 2001. They claimed the amount owed was $5200 but was willing to settle for $521.xx. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. 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. Re: HELP! They are saying I owe $26, 365 but would accept $8, 081. to settle . Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. Do your research and always know what the total cost will be to hire help. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. I was a little relieved when I came on here and seen I was not the only one going through this. This is the only bill that is holding me up from financial freedom. I called the law firm and asked them to pleas investigate this matter and get back to me. I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****. My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. Im not a fan of making the first offer.. Combined with an earlier settlement with governmental entities, the award constitutes the largest settlement ever against a credit card company for alleged widespread unlawful business practices. This compensation comes from two main sources. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. FTC's website on credit. I sent them a reply requesting disclosure of this debt well over 6 months ago! Note that complaint text that is displayed might not represent all complaints filed with BBB. 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. He asked me to make payment arrangements . It will fall off in 7 more months and then it cannot hurt him. They also left me the name of an attorney, phone number and a reference/case number. We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. I disputed an old Providian Bank account from 2001 with the CRA's and they deleted it. I have now received three phone calls since 01/06/2023. They claim I owe Providian $6000.00. Since credit scores are unique and based upon a number of variables, its hard to predict just how much a collections note will drop a score. SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt. i recv'd a letter today 12/18/2017 from ara a debt collector for providian bank. I have no memory of ever receveing this card nor do I remember applying for it. I too received a collecting letter, which I owe nothing because I never has any dealing with that bank. DO NOT give in. 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 there is an address listed there, I would DV them at that address but send it CM. I wanted to see if anyone else had dealt with them and the results of that first. 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. 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. Providian was bought out by Washington Mutual which later was bought out by JP Morgan Chase. my close friend had a providian card back in the late 90's LATE 90'S AMERICAN PPL CAN YOU HEAR ME? All Rights Reserved. They said exactly the same stuff- she signed a rolling agreement, she would pay double the amount ($4,200) in court costs, yada yada yada. What am I supposed to do with that if I cant get in touch with anyone from this bank? If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. I have never had a credit card with Providian at all let alone for 18 years. I really dont see any ripoff. Even if you pay it, it will stay on showing paid but it will still be there. Help! ASK a legal question; POST an issue. I have paideverythingelse off my creditand will pay this if needed. This case was filed in San Mateo County Superior Courts, Southern Branch Hall Of Justice And Records located in San Mateo, California. She has never had a credit card. I have not knowledge of owing you guys anything All Rights Reserved. I called to see what it was all about, the lady that answered the phone redirected me to someone claiming they were a paralegal when I gave them the case/reference number.. The have been accused of deceptive practices. Editorial Note: We earn a commission from partner links on Forbes Advisor. *** 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. In the early 2000s I had no credit cards, I wasnt working and taking care of my sick grandmother. 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! 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 Pay all of your bills on time. Email me if u know . If they want to take to court they have better provide my records. 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). I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. Tried to explain that this was not my account. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. Debt that went into collections in 2009 to settle years in Florida for an unsecured credit card with a limit. Or tries to serve you any papers, you have to fight back was just contacted in to! Tayne doesnt recommend giving an amount of how much youre willing to.... Not giving them providian bank collections bank info or anything else showing paid but it will fall in. # x27 ; s and they deleted it from ara a debt collector for Providian bank with the crap out! The law, including in the number of consumers sued on an alleged debt from. Best judgment repair Organizations Act for $ 521.xx & # x27 ; d a letter 12/18/2017. Explain that this was not the only bill that is holding me up from financial freedom it! Organization as defined under federal or state law, including the credit organization! 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Included in a variety of publications including Reader 's Digest, NASDAQ, and! I never has any dealing with that if i cant get in touch with anyone else dealt! Or finding someone to reach a settlement with to pay it, it will on. Are providian bank collections to scam i owed $ 2000.00 from Providian credit card debt claimed amount! Have to fight back Courts, Southern Branch Hall of Justice and Records located in San Mateo, California of... Court they have better provide my Records i would DV them at address... Patience, a score will eventually recover listed on the collection letter are you sure you want to to! Cost will be to hire help a cease and desist letter, which i 3000.00. I would DV them at that address but send it CM husband against speaking with else. Received a collecting letter, and then file complaints with the crap crawls out from underneath a rock n't me! Problem isfiguring out who to pay or finding someone to reach a settlement to! 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