This page was generated at 05:43 AM. They said that they are going to get back to me. So if this bank does not exist who is the money going to? 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 . I will not allow them to disrupt my life. We called and another female operator confirmed my mom's name and birthday. The lady was so threatening, I am afraid. 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. This is the only bill that is holding me up from financial freedom. Consult local counsel. Information provided on Forbes Advisor is for educational purposes only. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. 14 complaints closed in the last 12 months. Today I got a call that I owed $2000.00 from providian credit card. Submitted: 12 years ago. Select independently determines what we cover and recommend. In the early 2000s I had no credit cards, I wasnt working and taking care of my sick grandmother. I finally called Chase bank (who bought Providian) and nicely explained to them my situation. 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. NerdWallet strives to keep its information accurate and up to date. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. Break off contact with them and file a complaint. I rec'd 2 letters today from a lawyers office with a "city marshall" heading. " If you want to settle for 50% of what you owe, for example, try starting at 30%. 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. Providian needs to accurately report to the credit bureaus that my MasterCard is "paid as agreed" and "paid in full". these providian [censored] are trying to go after my sick mother! All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. 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. That's ugly". Submit a complaint and get your issue resolved. First of all, the law prohibits debt collectors from lying, threatening you with things they can't do or posing as government officials. All Rights Reserved. Lead Assigning Editor | Personal finance, credit scoring, debt and money management. How the debt collector will report the debt to credit bureaus. When Do Accounts Get Sent to Collections? If they cause my mother any more stress lord have mercy! 10 yrs online! what is going on need help please. HELP! Worse, you can also lose the ability to dispute that you owe the debt. I received a call from ************** saying I owe money to Providian National Bank. 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. 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! IMPORTANT: STAY ON TOP OF YOUR CREDIT REPORT! My husband has no knowledge of this card and is adamant that he never had any credit cards during that time. After the company makes its own efforts to resolve the debt, it will eventually turn it over to a debt collections agency and be reported to the credit bureaus as a charge off, meaning the original creditor has ceased efforts to recover the debt. 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. http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf There are no debts/collections showing on his credit reports and the news from HR was the first time we've heard of this. So why would I have a credit card. Performance information may have changed since the time of publication. All times are GMT-5. In any case, the scammer will use all sorts of techniques to get you to . I looked up the bank and called the numbers and they were not work. Negotiating a settlement takes persuasion and caution. This influences which products we write about and where and how the product appears on a page. Hi. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. For example, the lawsuit needs to comply with Floridas court rules for the summons and complaint; often, they do not. However, you have no obligation to use their services. This process can take months, if not years, depending on how hard a score was hit due to bills in collections. 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. Plus, the Statute of Limitations has passed. What am I prepared to discuss on the phone?. For any questions or problems with your online bill payments (800 . The most common types of debt that go to collections are credit card balances and medical bills, but there are many other reasons why people go into debt. I have no credit cards and never had any from Providian. They talked about settling with me for over $4,000. http://settlementscams.com/debtcollector.pdf. This complaint was posted by a verified customer. I have Calvary portfolio collection agency, contacting me about a providian credit card from 2003. I was a little relieved when I came on here and seen I was not the only one going through this. Subsidized student loans vs. unsubsidized student loans which is right for you? ), I was never advised of this debt prior to summons & most important I DO NOT OWE! I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. Well guide you through the process. 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. The greater the debt and the longer its been in collections the. What are you willing to offer me to settle this debt? Tayne says. This is threatening our livelihood and my husband's health and reputation. Explain to the creditor why you can't make full payment. Check your credit report at least once a year to reduce any surprise calls from collections, Eweka says. they almost put her back into the hospital.the dumb btch on the phone kept threatining to take her 800 dollar disability check! 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 sued me andwent to court in 04 andI did nothing about it (dumb youth). This is supposedly from 2003 or 2004 making this an approx 13 year old issue again past Fl. Negotiating a settlement takes persuasion and caution. Credit Card Payment Protection. so make sure they arent scamming first and do research before paying. I think you can correct this whole thing including the judgement - go to debtorboards.com and post your question. We will get you. Never attempt to "scam the scammer." Get it notarized and send it to Providian and any other creditor listed on the collection letter. Keep this proof in case the payment isnt recorded correctly or the debt somehow gets resold to another collector. Write them down. "A collection agency is a company that is hired by lenders, creditors, medical providers and federal and local governments to get you to pay or make arrangements to pay what you owe them," Eweka tells Select. They have a website that list a single email address, but no physical address or phone number. Now, probably because they are going broke, they want the rest of the monies they agreed to difur 7 years ago. In any case, the scammer will use all sorts of techniques to get you to pay intimidation, lies, harassment, etc. Many or all of the products featured here are from our partners who compensate us. If someone contacts you about a debt you owe, you can quickly identify whether it's real or fake. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. I told them I never heard of them. 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 *******. If the debt is not on your credit report, that does not necessarily mean the debt is not valid. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. If a debt in collections goes away from your credit report in seven years, does this mean you shouldnt repay it? This is ridicules, how can a bank that doesn't even exist stir up so much trouble. They addressed me by my maiden name which I havent been since 2012. Ask them to place a fraud alert on your credit report. The collections agency tries to get you to pay back as much of the original debt as possible so it can make a profit. Don't miss:Here's the 'most basic rule of thumb' when it comes to paying off your debt, according to an expert. Tried to explain that this was not my account. Remember, you have debt collection rights. I do not have knowledge of this account. thanks so much for the info. Sean Pyles leads podcasting at NerdWallet as the producer and host of NerdWallet's "Smart Money" podcast. Johndowning01@gmail.com Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. Cheryl lindsey. You will pay, do you hear me! widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. 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. 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. 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. 2019 Legislative Session Update for Victims and Service Providers, 2021 Legislative Session Open Government Update. You are past-due, or delinquent, on your bills and your card issuer's collections representative calls you to pay your overdue balance. He called and spoke with a representative that states the card was opened in ****, the original debt was $5000, and has since accrued over $11000 in interest charges. Receiving threatening phone calls in regards to a debt that I did not incur. o6, thank you for the link, I found thatone too. Don't ever send a debt payment by wire transfer, especially overseas. For help, please check out the HELP section of the forum and forum announcements. Our partners compensate us. I just check my credit there was no providian collection now it's a judgement. They said they had left it at the front door. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. International Association of Better Business Bureaus. when we moved to Kentucky his mother was living with us they tryed to collect from us told them that she was in a old folks home gave then the address and phone number and have not heard from them in several years its not ours they said he was on the card to and asked them to send us the form where it had his name on it but never got it so they are crap out of luck. 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. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. She earned a bachelors degree in journalism and mass communications from the University of Iowa. I never heard of them! When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. I have never use Providian bank or ever financed anything in my life through them. Be sure to get everything in writing. Ever. Typically, collections remain on a credit report for up to seven years. 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: Tayne says a lot of her clients panic after receiving a debt collection letter. DO NOT give in. Saying that they were going to take me to court for like **** and some odd dollars. Share your photos and videos with others to prove the truth of your words. , which can offset some of the damage done by delinquent debt. Her information put me in the right direction for action that kept me legal . This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. my funds not gonna wait for them to do what ever they want. Whenever someone tries to collect a debt, ask for all of their company's information, including: Request all of these details. 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. Note that if you have more than $600 forgiven, the IRS can consider that taxable income. As with any negotiation, start lower than your target. In many cases you can pay the court clerk and they will record asatisfaction of judgment. will try to get you to pay them for this service. You may also be sued. This is a reality for millions of Americans. I do not owe anything. And be on the lookout for the signs of a debt collection scam. It should state: That the agreed-upon amount is sufficient payment for the entirety of the debt. Today I got a call that I owed $2000.00 from providian credit card. Commissions do not affect our editors' opinions or evaluations. Tell them you've been targeted by fake debt collectors. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. Debt is toxic when it. This should remove the collection from their files. Learn more: Your Child Support And The Federal Stimulus Payment, How to Request an Attorney General Opinion, Learn more about your debts by getting your. I have never heard from this bank nor do I know who they are. You won't go to jail for your debt, so if the collector says that you will, they're lying. Great discounts from Great retailers and Online Access to your Credit Score. Then contact the debt collector by phone or mail to propose the plan. Its going on the trash. After about six months (depending on the lender), they will give up. My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. Sherman AcquisitionsFinancial now has it and it is in judgment/collection on my credit reportsdue to be taken off my credit in December 2010. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. Also, they were sending all the documentation to an address that i was not even residing at. We know where you f*****g live!' Many factors affect your FICO Scores and the interest rates you may receive. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. Paying in full can get the debt off your back for good, but make sure you get the agreement in writing first. 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. "Sometimes people do not even realize they have some of their debts.". We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. There are exemptions to this, so you may want to consult a tax expert. They told me they will continue to harass me until i pay the debt in full. These ratings and reviews are provided by our users. Kathy Hinson leads the Core Personal Finance team at NerdWallet. Was just contacted in regards to a credit card by Providian that I have never had. 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. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number".
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