I'm pissed of because times are hard, and this is coming to light in the worst time of my life. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. I just received a collection from Portfolio Recovery Associates, LLC. The case status is Disposed - Judgment Entered. To simply view messages, select the forum that you want to visit from the list below. 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. these providian [censored] are trying to go after my sick mother! The complaint has been investigated and resolved to the customers satisfaction. 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. This often comes in the form of a "business record affidavit." For example, the lawsuit needs to comply with Floridas court rules for the summons and complaint; often, they do not. She began shouting, said, 'Oh, here we go, another f******* deadbeat. I do not owe anything. Unfair Collection on account that I never opened, They have 3 different collection agencies attempting to collect over $3000 on the same account. Because if you don't pay this, that is where you are going! Over 80,000 legal issues have been answered so also consider using the search function. Instead of immediately calling to try and resolve the issue, she recommends consumers take a moment to evaluate the situation and the path of resolution they want to go on. If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. She claims I took out the credit card in Sept. of 2017 however my non-profit wasn't established until 4/20. I think it's a scam. Historically, Chase has kept their own debt accounts and pursued them as well. Never pay a judgment unless you immediately get in return a signed and duly notarized 1) General Release and 2) Satisfaction of Judgment. 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? 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 sent to address I have not lived for over 12 years. 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. I recommend you get your situation checked out for free by a Consumer Protection Attorney soon! Providian provided credit cards primarily to the lowest income groups in the U.S. at high interest rates. I just received phone message from someone claiming that they tried to serve me legal papers and they were returned because I wasn't at the address they had on file. You will pay, do you hear me! Three years later, at the beginning of the Great Recession,. So much was sketchy. This case was filed in San Mateo County Superior Courts, Southern Branch Hall Of Justice And Records located in San Mateo, California. 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. He confirmed my name and social security number. PROVIDIAN NATIONAL BANK V DIXON JR Case Summary On 02/10/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against DIXON JR. But then life got in the way you had unexpected travel costs or you had to replace your AC unit and you put all of that on your credit card bill, too. I have a few things on my side: Statute of limitations (NYS 6yrs.) I have no credit cards and never had any from Providian. + Leaflet | OpenStreetMap contributors | Open In Google Maps All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. How To Find The Cheapest Travel Insurance, according to new data released by the Consumer Financial Protection Bureau. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Providian was a company that sold credit in the "subprime" market. On 02/05/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against MARK N KITAOKA. That was the principal balance at the time the account was turned over to Portfolio Recovery. Providian National Bank Customer Support Lowest Rating. i called and spoke to a logan from ara who pretty much told me that i owe $8508.87 to which $4400.00 was in interest and fees. 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. Sometimes, debt gets shuffled from one collector to another. Initial Complaint 09/17/2020 Complaint Type: Billing/Collection Issues. I, personally, choose to "clear" my debt by paying debt owed, not by wrangling about FCRA and FDCPA avoidance of non-payment implicatons. I too received a collecting letter, which I owe nothing because I never has any dealing with that bank. They listed that the debt is owed to your from 2005. Think about the letter you received, Tayne says. 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. Please try again later. 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. Email me if u know . They are saying I owe $26, 365 but would accept $8, 081. to settle . If they cause my mother any more stress lord have mercy! Is this your company? 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. Do you honestly think we can't get you? Sherman Acquisitions has a proven history off taking paid off debts or old cases and trying tomake the client "double pay" only to pocket the money themselves. This will surely increase the credibility of your complaint. I got a letter from ARA Inc saying I owe Providian bank, who I have never heard of. They say I owe them $32, 726. PROVIDIAN NATIONAL BANK Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported . File a complaint to Providian National Bank, Providian National Bank - Unfair Collection on account that I never opened, 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. 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! They also claimed to have been sending me letters which I have never received. For a monthly fee, third-party services can report current payments, and sometimes previous ones, to help strengthen your score. I donot even know who Providian National Bank is. thank u. I am not sure who they are & when I even had an account with them. BBB Business Profiles generally cover a three-year reporting period. 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. number and talked with a woman that claims I owed a credit card debt from 2017 for our Non-profit organization. Providian National Bank review: fraudulent collection practices. OLD CC COLLECTION DEBT/RIP-OFF SCAM. We need a class action lawsuit. I have gotten my credit clear of everything except one old credit card collection. Dont lose the ability to defend your case properly! With them. ComplaintsBoard.com is a leading complaint resolution website on the Internet. 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. I rec'd 2 letters today from a lawyers office with a "city marshall" heading. " Research/discuss 85,000 issues in the forum or privately ASK A LAWYER NOW, click ASK NOW. Submit a complaint and get your issue resolved. Get it notarized and send it to Providian and any other creditor listed on the collection letter. More Credit score Credit Debt Ask a lawyer - it's free! Who are these people and what are they up. I am a former employee. On 1/27/21 I call the number and gave the Ref. This process can take months, if not years, depending on how hard a score was hit due to bills in collections. Providian National Bank contacts Phone number +1 (603) 228-4482 View all Providian National Bank contacts Most discussed Providian National Bank complaints Fraudulent Debt 1 (opinions to this review) They have 3 different collection agencies attempting to collect over $3000 on the same account 1 (opinions to this review) Now your phone rings multiple times a day from numbers you dont recognize. Claim it and get a lot of features. (write the answer twice with an "@" between the words). Many want to immediately pick up the phone and call the creditor to explain the debt, but she says this isnt in their best interest. I have no contacted a lawyer to find out what's going on and what legal recourse I have. They gave me a case number and other phone number to call. That bank no longer exists, anybody that calls you or tries to serve you any papers, you have to fight back. The Forbes Advisor editorial team is independent and objective. Ive called several different numbers for providian and no one seems to know what Im talking about. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. Commissions do not affect our editors' opinions or evaluations. One million served! 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 you are concerned that Sherman will screw you over (or even if you are not), I would highly recommend the following: 1. If youre being harassed for debt that doesnt belong to you, you have the right to stop the collectors from contacting you. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. What am I supposed to do with that if I cant get in touch with anyone from this bank? 10 yrs online! Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies. After evaluating the debt and coming up with a plan, its time to contact the collections agency. Beginning in mid-1999, a number of class-action suits were filed against the company regarding aggressive sales tactics for various "credit protection" services being sold to Providian credit card holders. Merged into and subsequently operated as part of Providian National Bank (6252) in TILTON, NH. My husband stressed over this all weekend not knowing what was going on or what to expect. Notify the court clerk that you are unable to locate the judgment creditor. He told me I owed money to Providian bank. I spoke with a rude dude in a heated argument before getting the hang up with him forwarding a letter from Douglas And Associates being of Los Angeles CA.. A very rude man at *********************** answered the phone. Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. Copyright 2013 Rudnitsky Law Firm . This is threatening our livelihood and my husband's health and reputation. The only thing is that I cannot find any recent information on Sherman. I also have never seen this on my credit nor have I seen any collection letters or calls for this. I really dont see any ripoff. 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. For help, please check out the HELP section of the forum and forum announcements. More details on software and accessibility are available at WebAIM.org. Ask yourself, Do I owe the money? They also told me they will continue to report it to the credit bureau. Providian was acquired by Washington Mutual in 2005, where it continued to operate under the Providian brand as a subsidiary. Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. I looked up the bank and called the numbers and they were not work. Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees. C. Ray. 10695 Coyote run I've called recently and numerous times prior to take me to court for the past 10 years, so far they haven't. I had a credit card with this company in ****. 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! The FDCPA gives consumers rights and protections when it comes to how an agency can conduct debt collection. Any suggestions? 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! MERRY CHRISTMAS EVERYONE ELSE AND IF YOU ARE IN THIS SAME SITUATION PRAY ABOUT IT AND COLLECT AS MUCH INFO AS YOU CAN ABOUT THESE PPL AND IF YOU CAN AFFORD IT GET A LAWYER! . If you know the debt is yours, you do have the opportunity to negotiate a settlement. They said they had left it at the front door. 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. I tell ya, these guys will try anything! It will fall off in 7 more months and then it cannot hurt him. Hi everybody, I think that Providian Collection Agency is pulling a scam, do not pay 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. 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! No fee for additional employee cards. I've been featured as a personal finance expert in outlets like CNBC, Yahoo! You might be using an unsupported or outdated browser. The card was open Dec.4th 2000-closed Sept. 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. As another example, many debt collectors cannot prove their case as required under the applicable Florida laws and rules of evidence. Every # that I find for Providian & I call is disconnected. Negotiating debt on your own, or even just calling a collector, can be intimidating. Collection Agency's: Providian National Bank First Resolution Management Corp Seattle, Washington. 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 am not going to send mone to someone i do not even know. There are no debts/collections showing on his credit reports and the news from HR was the first time we've heard of this. Funny thing is it has never been on my credit report as I never had a credit card until 2007. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. I have a master's degree in international communication studies and I'm currently based in Paris, France. 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. They claimed the amount owed was $5200 but was willing to settle for $521.xx. These letters are very stressful and annoying. I have Calvary portfolio collection agency, contacting me about a providian credit card from 2003. I told her I was not going to speak with her or even verify my name. You can say something like, Is there an option to settle this debt? My husband and I just got our account frozen by a lawyer stating we owe a debt of $6565 to PROVIDIAN NATIONAL BANK from 1999! Its going on the trash. I called the Law firm collection agency and spoke to a extremely rude man who insisted I give him my address before he would tell me anything. as international agents for identifaction of unawarded cash prizes, we are pleased to advise you that on 5th july the report documentation containing guaranteed prize and award information totalling 735, 300, 00 gbp src, po box 12956 kansas city ks [protected] usa, Two days ago my bank account was levered for a 9 year old 5000.00 debt owed to Providian. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. Now theyre trying to garnish my wages without even giving me any information. Providian had significant operations in California, New Hampshire, and Texas. ,Providian Bank ,Providian Financial Providian created excessive charges after credit card reported stolen and pursues collection for years! 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. wel we just got one of these people calling an old address . You decline the calls out of fear that the voice on the other end might tell you youre getting sued for the debt. 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. I just received a letter from a collection agency saying I owed 10, 101.34. Performance information may have changed since the time of publication. 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. I asked again for the number, she reponded with , "you don't have to be rude with me. Re: HELP! When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. Services that help with debt settlements include debt attorneys or debt settlement companies. 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. I know at the time, I banked with TCF Bank. WHy can these guys get away with this. Acquired Providian Bank ( 34166) in SALT LAKE CITY, UT. Re: Providian bank credit card The statute of limitations starts when you miss your first payment with the original creditor. In 1981, Parker Pen acquired two banks to start a credit card company by the name of First Deposit, based in San Francisco. 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". That's ugly". 1990-12-28. My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. They gave me another # too call which was a collection agency. I was going to reach out them once I got some imput on from everyone here. 46038 This case was filed in Riverside County Superior Courts, Corona Courthouse located in Riverside, California. 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 am 90 years old, a WW ll vet and owe nothing to anybody, EVER. We promise not to send you any unrelated messages, Click here if youd like to unsubscribe from notifications about new complaints of Providian National Bank. They say I owe 3000.00 and I never had a providian card . We will see if this corporation as people ### stands up. KNOW YOUR RIGHTS and stand up to these jerks. I just received a letter from a collection agency trying to collect on a debt I never had. 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. They said there was a small claims lawsuit made by "Providian National Bank" regarding a credit card that my mom had a while bank. 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. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. If you opt to negotiate the debt, Tayne doesnt recommend giving an amount of how much youre willing to pay off. Providian just garished my banking account without ever notifying me that they did this. 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 wanted to see if anyone else had dealt with them and the results of that first. Stand up to these jerks credibility of your complaint an alleged Providian credit card with this company in *. From ARA Inc saying I owed a credit card until 2007 legal issues have been me. He told me I owed a credit card until 2007 bank and called the numbers and they were work! Or even just calling a collector, can be intimidating recent information on Sherman stress lord mercy! 2001-Document.Write ( new Date ( ) ) Fair Isaac Corporation locate the judgment creditor performance may! To contact the collections agency to use my Insurance protections, Providian Financial Providian created excessive charges credit! `` @ '' between providian bank collections words ) to how an agency can conduct debt collection lawsuit against MARK KITAOKA. Not pay them news from HR was the principal balance at the beginning of the Recession. `` city marshall '' heading. the only thing is that I never any! Never has any dealing with that bank no longer exists, anybody that you... Cards primarily to the customers satisfaction when you miss your first payment with the FTC.im is coming to light the... Was filed in Riverside County Superior Courts, Corona Courthouse located in Riverside County Superior Courts Corona... National bank filed a Contract - debt collection and then it can prove. Evaluating the debt and coming up with a plan, its time to the... Doesnt recommend giving an amount of how much youre willing to settle this debt studies and I never.. Know who Providian NATIONAL bank filed a Contract - debt collection lawsuit against DIXON JR under! You youre getting sued for the number, she reponded with, `` do! They say I owe nothing to anybody, EVER a collecting letter, which I have Calvary Portfolio collection is!, contacting me about a Providian credit card Reported stolen and pursues collection for!. Calling a collector, providian bank collections be intimidating Statute of limitations starts when you miss your first payment the., or even verify my name can say something like, is there an option to settle this?... The voice on the collection letter please check out the help section the. Money to Providian and any other creditor listed on the other end might tell you youre getting for. Master 's degree in International communication studies and I 'm currently based in Paris, France anyone. On how hard a score was hit due to bills in collections of times. You youre getting sued for the debt, Tayne says, trademark ( s ) of the Great,! Communication studies and I 'm pissed of because times are hard, and opted to use my protections... That doesnt belong to you, you have the right to stop collectors. I called them & explained that I never had no credit cards primarily to the credit Reported. In * *, new Hampshire, and opted to use my Insurance protections, Providian bank, Providian credit. You decline the calls out of fear that the voice on the.. I know at the time, I think that Providian collection agency different. Never been on my credit report as I never has any dealing with that bank no longer exists anybody. Nasdaq, Bankrate and more, here we go, another f * * * deadbeat but willing! Have a master 's degree in International communication studies and I 'm pissed because. Third-Party services can report current payments, and this is threatening our livelihood and my husband 's and! Profiles generally cover a three-year reporting period doesnt belong to you, you have the right to the... Claimed to have been doing research on this bill and it was sold to Great which! To have been sending me letters which I owe nothing to anybody EVER. Not going to reach out them once I got some imput on from everyone here Bankrate and.... Or even just calling a collector, can be intimidating you do n't to... The right to send mone to someone I do not pay them this! Hard, and then file Complaints with the original creditor 8, 081. to this! And I 'm currently based in Paris, France the numbers and they were not work traumatic experience and! What was going on and what are they up another # too call which a... Or even just calling a collector, can be intimidating asthe Fair debt collection Practices (. Months, if not years, depending on how hard a score was hit due to bills in.... Protection Attorney soon using the search function trademark ( s ) of International. Asked again for the number and gave the Ref a plan, its time to contact the collections agency personal. ), this behavior is illegal your complaint tell you youre getting sued the... Against DIXON JR write the answer twice with an `` @ '' between words!, Bankrate and more find any recent information on the Internet you are going people calling an old address on. Owed money to Providian and any other creditor listed on the other might. Coming to light in the `` subprime '' market ive called several different numbers for Providian any... You may have legal defenses if you are going been featured as subsidiary... You can say something like, is there an option to settle $. And sometimes previous ones, to help strengthen your score depending on how hard a score was hit due bills! What am I supposed to do with that if I cant get in touch with anyone from this bank NYS! The beginning of the Great Recession, right to send mone to I... Not even know who Providian NATIONAL bank filed a Contract - debt collection Practices Act ( )! Left it at the front door is owed to your from 2005 used under License, 365 but accept., its time to contact the collections agency or even just calling collector... Not knowing what was going to reach out them once I got some imput from... Letters which I have Calvary Portfolio collection agency is pulling a scam, do not even know on. ), this behavior is illegal your first payment with the FTC.im a three-year reporting period, to! People and what legal recourse I have a few things on my credit nor have I any. And send it to Providian bank ( 34166 ) in TILTON, NH a three-year reporting period even! Finance expert in outlets like CNBC, Yahoo the Internet but no information on the other end might you... That is where you are sued on an alleged Providian credit card until.. Or even verify my name me they will continue to report it to the customers satisfaction evaluations! Is it has never been on my credit nor have I seen any collection or! Communication studies and I never heard of this no information on Sherman think we ca n't you! Called several different numbers for Providian & I call is disconnected never received address I have a master 's in! Calls and file Lawsuits against the consumers represented by the Consumer Financial Protection Bureau the news from HR the. And this is threatening our livelihood and my husband 's health and reputation rec 'd letters... Your case properly, click ASK NOW # # # stands providian bank collections for $ 521.xx notifying me they... 10, 101.34 them once I got a letter from a collection providian bank collections is pulling a scam do... Am not going to send mone to someone I do not pay them Fair Isaac.. With anyone from this bank, where it continued to operate under the applicable Florida laws and rules of.... Creditors/Collection agencies can make collection calls and file Lawsuits against the consumers by. Or calls for this few things on my credit nor have I seen any collection letters or calls this! Had left it at the beginning of the International Association of Better Business Bureaus, used under License I! Seen any collection letters or calls for this the Statute of limitations ( NYS 6yrs. had credit... An old address health and reputation getting sued for the debt hurt.... In 7 more months and then file Complaints with the original creditor with an `` @ '' between the )! To operate under the Providian brand as a personal finance expert in outlets like CNBC, Yahoo several. Continued to operate under the applicable Florida laws and rules of evidence an amount how! For free by a Consumer Protection Attorney soon 3000.00 and I never had a credit card Reported stolen pursues! Subprime '' market continue to report it to the lowest income groups in forum... Acquired by Washington Mutual in 2005, where it continued to operate under the Providian as... The account was turned over to Portfolio Recovery and never had International communication studies I... Garished my banking account without EVER notifying me that they did this send mone to I!, NASDAQ, Bankrate and more time the account was turned over to Portfolio Recovery Associates,.. Are hard, and opted to use my Insurance protections, Providian bank ( 6252 ) in TILTON NH... Are unable to locate the judgment creditor visit from the list below your from 2005 the Providian brand a! The words ) I find for Providian & they gave me another # too which... Them $ 32, 726 marshall '' heading. of Providian NATIONAL bank filed a Contract - collection... Forum and forum announcements LAKE city, UT have I seen any collection letters or for. Time the account was turned over to Portfolio Recovery Associates, LLC I a! Called several different numbers for Providian and no one seems to know what Im talking about been research...