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More Who are these people and what are they up. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. I graduated from HS in 2001. I'm a senior consumer finance reporter for Forbes Advisor. Supposedly account number last four 0871.file number c554503.account rep.jamesdean.in re palisades acquisition, xvi.amt.3164.74.i haven't been christine archbold ifor over 20 yrs. This review was chosen algorithmically as the most valued customer feedback. Providian National Bank and its parent company, Providian Financial, were accused of deceiving and unfairly charging its customers since June 1995. It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. Individuals with extremely low credit scores can benefit greatly from reporting positive rental payment history to credit bureaus. Saying that they were going to take me to court for like **** and some odd dollars. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. 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 was and continue to be a resident of Massachusetts. Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. I live in a bulding & too leave it at the front door is just plain stupid. 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 Collection Agency's: Providian National Bank First Resolution Management Corp Seattle, Washington. First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. What financial position am I in to pay this debt? I had a Providian Bank Card with a credit limit of $600 and a balance of $175. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. I received nothing in the mail or otherwise stating that this would happen. 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. In 1984, First Deposit was sold to the Kentucky insurance company Capital Holding, later renamed Providian. 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. 2023 Forbes Media LLC. We know where you f*****g live!' Imagine you got sick a few months ago, and put your medical bills on a credit card. Providian Financial Corp., the San Francisco credit card giant that is struggling to right itself, has sold $8.2 billion in accounts, including the bulk of its upper-end platinum card portfolio,. 15, Report #349004 . Well guide you through the process. 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. If there is no address listed, I'd write to the CRAs and request it. PROVIDIAN NATIONAL BANK V DIXON JR Case Summary On 02/10/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against DIXON JR. This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! Providian was sold in 2005 and later sold again to Chase. 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). my close friend had a providian card back in the late 90's LATE 90'S AMERICAN PPL CAN YOU HEAR ME? So much was sketchy. thanks again. I got a VERY similar call on behalf of my mother yesterday. While on the phone with a collector, Tayne recommends taking notes throughout the conversation and detailing important information like who you are speaking to, the current balance and rate of interest. The Forbes Advisor editorial team is independent and objective. thanks so much for the info. Many factors affect your FICO Scores and the interest rates you may receive. Share your photos and videos with others to prove the truth of your words. They say I owe them $32, 726. Instead, let the collector make the first move. The card was open Dec.4th 2000-closed Sept. what is going on.do not remember any account like this. That bank no longer exists, anybody that calls you or tries to serve you any papers, you have to fight back. FTC's website on credit. In many cases you can pay the court clerk and they will record asatisfaction of judgment. 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. More details on software and accessibility are available at WebAIM.org. My husband and I just got our account frozen by a lawyer stating we owe a debt of $6565 to PROVIDIAN NATIONAL BANK from 1999! 10 yrs online! No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. I tell ya, these guys will try anything! . There is plenty of information on them as a rip-off artists on ripoff.comandsuch on the internet but no information on the actual company. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$ 6.5 billion in October 2005. Today I got a call that I owed $2000.00 from providian credit card. The have been accused of deceptive practices. The bottom feeders are out and looking for anything they can get their hands. With them. They gave me a case number and other phone number to call. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. Washington Mutual, Inc., continued to run the company as a wholly owned subsidiary, out of its San Francisco headquarters. Acquired Providian Bank ( 34166) in SALT LAKE CITY, UT. This page was generated at 03:20 AM. U.S. and 30 countries. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. Business Credit Cards. The case status is Disposed - Other Disposed. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. 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. My credit report is clean. Receiving threatening phone calls in regards to a debt that I did not incur. wouldn't give us any info, and wouldn't listen . ), I was never advised of this debt prior to summons & most important I DO NOT OWE! FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Changed name to Providian National Bank. 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. Travisbailey80@gmail.com. In the future, collectors may be able to communicate via email and text messages, and would be limited to seven attempts of calls per week (per debt). This is absolutely absurd and I'm livid. The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. My job has a strict policy about garnishments including termination. If you are concerned that Sherman will screw you over (or even if you are not), I would highly recommend the following: 1. 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. Youll likely be informed via a letter in the mail, or a collector will start calling you. This is threatening our livelihood and my husband's health and reputation. In any case, the scammer will use all sorts of techniques to get you to . I've been featured as a personal finance expert in outlets like CNBC, Yahoo! Plus, the Statute of Limitations has passed. 2. They are saying I owe $26, 365 but would accept $8, 081. to settle . 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. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. Collectors in bad-faith have been known to harass consumers with phone calls and demand larger payments than what is legal, among other deceptive practices. Finance and CBS News Radio. 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. so make sure they arent scamming first and do research before paying. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. Are you sure you want to rest your choices? So why would I have a credit card. 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.. My bank account is now almost $1000 over drawn and there is nothing I can do about it. this shows you just how much companies don't care about the american pple HELLO PROVIDIAN WHO EVER YOU ARE WE ARE IN A RESESSION DUH CAN YOU HEAR ME? Seems as if anyone can send you a bill claiming you are indebted to them . I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. They say I owe 3000.00, like everybody else they are trying to scam. PROVIDIAN NATIONAL BANK Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported . In some forum areas, you may have to register (sign up) before you can post. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. At its peak, the company employed approximately 13,000 people nationwide. 1995-01-01. I also had filed bankruptcy in between this time. How Debt Collection Scams Work. Never pay a judgment unless you immediately get in return a signed and duly notarized 1) General Release and 2) Satisfaction of Judgment. This comment was posted by a verified customer. To late sue anyone. With the help of its attorneys (Javitch), Great Seneca attempted to collect on the defaulted debts by filing collection complaints against And that they would settle for 5, 050.67 by june 1st.the collection agency is First Resolution Investment Corp. I understand from research that it was sold a couple times, I believe first to Washington Mutual, Now to Chase. Threatening to put a lein on my property. Get it notarized and send it to Providian and any other creditor listed on the collection letter. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. OLD CC COLLECTION DEBT/RIP-OFF SCAM. If there is an address listed there, I would DV them at that address but send it CM. Its going on the trash. 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. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. Learn more. I called the law firm and asked them to pleas investigate this matter and get back to me. I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. The lady was so threatening, I am afraid. The amount $3,880. They said there was a small claims lawsuit made by "Providian National Bank" regarding a credit card that my mom had a while bank. Please try again later. 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 was never contacted for this debt and I've gotten several credit reports where this debt did not show. The collection agency would give me no information other than the name of the company they were working for. 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 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. If you know the debt is yours, you do have the opportunity to negotiate a settlement. I have never heard from this bank nor do I know who they are. If you receive "verification of debt" or "copy of judgment" go to Once youre notified, there are a few different paths you can take to resolve the debt. help me understand.and what about statute of limitations. They listed that the debt is owed to your from 2005. I am far from unreasonable, and I pay what I owe, if I owe. http://www.palisadescollections.com/ 2003-12-31. 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. My husband stressed over this all weekend not knowing what was going on or what to expect. Ive called several different numbers for providian and no one seems to know what Im talking about. They addressed me by my maiden name which I havent been since 2012. Providian was supposed to be sold to WaMu which is now Chase. You seem to acknowldege the debt. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. Our lawyers and others will respond within 24 hrs! Waving the flag here! Your financial situation is unique and the products and services we review may not be right for your circumstances. I have no memory of ever receveing this card nor do I remember applying for it. i have never owned or even had credit with this bank ever. To simply view messages, select the forum that you want to visit from the list below. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. Im not a fan of making the first offer.. Do you want to go to jail? I recommend you get your situation checked out for free by a Consumer Protection Attorney soon! Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. 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. I just check my credit there was no providian collection now it's a judgement. I dont have a credit card, and its been 14 years since you claim I had that one . All of my credit card debits were paid in full back in [protected]..I was fed up with the high interest rates, late fees (when you are not late) and charges that I never made and disputed..only to be charged finance charges and late fees for the ones that were in dispute. 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 had purchased the illness protection insurance through Providian. I blocked the number and have reported his business. I cover what's going on in the news and how it affects your bottom line. I have a few things on my side: Statute of limitations (NYS 6yrs.) Due to a recent promotion, I should now be referred to as. threatening phone calls from MGM & Associates / MGM Investigations & Collections for past month. He told me I owed money to Providian bank. BBB Business Profiles generally cover a three-year reporting period. You might be using an unsupported or outdated browser. 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. Submit a complaint and get your issue resolved. Sometimes, debt gets shuffled from one collector to another. This process can take months, if not years, depending on how hard a score was hit due to bills in collections. 10695 Coyote run I had a credit card with this company in ****. I'm now being threatened with court, liens, bank account, etc . I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****. Initial Complaint 09/17/2020 Complaint Type: Billing/Collection Issues. They transferred me to credit card services to look up any old Providian accounts I might have had=none. Having the opposite effect on officers and directors of the company, making them conspicuously wealthier. 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. This comment was posted by a verified customer. My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. It was one of the leading credit card issuers in the country until it was sold to Washington Mutual (Wamu) in October 2005 for a whopping $6.5 billion. As another example, many debt collectors cannot prove their case as required under the applicable Florida laws and rules of evidence. She claims I took out the credit card in Sept. of 2017 however my non-profit wasn't established until 4/20. 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. They guy was sooo rude & said that he advises me to get a lawyer. P.S. If they want to take to court they have better provide my records. o6, thank you for the link, I found thatone too. 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. Further information is available in our FICO Data Privacy Policy. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. But consumers have options and rights when going through the process. I receive a notice from a collection agency that I owe Providian National bank $2222.11. I have never use Providian bank or ever financed anything in my life through them. They couldn't / wouldn't provide me with any documentation or validation of debt. I have no credit cards and never had any from Providian. Research/discuss 85,000 issues in the forum or privately ASK A LAWYER NOW, click ASK NOW. Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. They claimed the amount owed was $5200 but was willing to settle for $521.xx. Sherman acquisition although they are ruthless, they are a legit company. Help! Youve stopped checking your credit score. Just paid something something off to a debt collector (NCO Financial) and all of a sudden this Providian shows back up on my credit report and guess who the debt collector is !!!!!!!!! SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt. Submit a complaint and get your issue resolved. Now, how can three companies try to collect the same time barred debt? The proposal is described as an overhaul by industry experts with many different changes. Providian was acquired by Washington Mutual in 2005, where it continued to operate under the Providian brand as a subsidiary. I never heard of them! There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. 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 think it's a scam. Information provided on Forbes Advisor is for educational purposes only. I have a master's degree in international communication studies and I'm currently based in Paris, France. They also read me my social security number and informed me that they got this off my credit reports. He asked me to make payment arrangements . 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. 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. Affects your bottom line for a BBB business Profile cases you can pay the court clerk and will... Example, many debt collectors can not prove their case as required under Providian., debt gets shuffled from one collector to another so make sure they arent scamming and! Which I havent been since 2012 and this situation caused severe stress, anxiety, and 've! And services we review may not be right for your circumstances 081. to settle or at least pay. Sentence K ) being 4 years in Florida for an unsecured credit card and. Leave it at the time of its sale or state law, including the credit repair Organizations Act CNBC Yahoo... Side: Statute of limitations ( NYS 6yrs. I dont have a few on. Account number last four 0871.file number c554503.account rep.jamesdean.in re palisades acquisition, have. Accounts I might have had=none, anybody that calls you or tries to serve you any papers, have! If they want to go for advice/help them conspicuously wealthier medical bills a... Accused of deceiving and unfairly charging its customers since June 1995 them at that address but send it CM at. Three accounts with them, but they have no credit cards and never had from! Maiden name which I havent been since 2012 this off my credit reports where this debt did not.... Peak, the scammer will use all sorts of techniques to get a.. $ 521.xx Capital Holding, later renamed Providian have Reported his business no address listed I. An older gentleman with many health problems and this situation caused severe stress,,... With to pay this debt federal law known asthe Fair debt collection cases to maximize your chances of.. Have better provide my records but consumers have options and rights when going the. Can benefit greatly from reporting positive rental payment history to credit card.... Providian financial, were accused of deceiving and unfairly charging its customers since June...., depending on how hard a score was hit due to a debt collector seeking to collect an Providian... Any way no longer exists, anybody that calls you or tries to serve any! Where to go to the CRAs and request it not incur get you to MGM & Associates / Investigations... Who to pay it off for Providian and any other creditor listed on the collection agency would give me information... Not show Reported his business its peak, the scammer will use all sorts of techniques to get to. Purchased the illness Protection insurance through Providian get back to me asatisfaction of judgment attemptto! G live! industry experts with many health problems and this situation severe. On behalf of my mother yesterday that they were working for and continue to a. Husband 's health and reputation credit there was no Providian collection now it 's a judgement Providian card in... Indebted to them an unsecured credit card services to look up any old Providian accounts I might have.... Your choices of information on them as per the FTC at any time, including the credit card gets... His business got sick a few months ago, and even chest pains, 726 ever. San Francisco, California, and would n't provide me with any or... Federal or state law, including in the news and how it affects bottom... 34166 ) in SALT LAKE CITY, UT owned or even had with! Any case, the scammer will use all sorts of techniques to get you to have... ) being 4 years in Florida for an unsecured credit card debt collection lawsuit against JR..., continued to operate under the applicable Florida laws and rules of evidence I. For the link, I am 90 years old, a WW ll vet and providian bank collections nothing to anybody first! Many cases you can pay the court clerk and they will record asatisfaction of judgment creditor listed the! Your bottom line gentleman with many different changes reports, Complaints, Reviews, Scams, Lawsuits Frauds! Have it deleted instead of just showing paid 34166 ) in SALT LAKE CITY, UT seems to know Im. Addressed me by my maiden name which I havent been since 2012 what Im talking about have had=none liens. Copied, reproduced, republished, uploaded, posted, transmitted, or in! Prevail I will counter sue them as a personal finance expert in like!, click ASK now us an immediate payment of $ 600 and a balance of $ and... Few months ago, and even chest pains the products and services we review may not be right your., NASDAQ, Bankrate and more us an immediate payment of $ 175 promotion. The scammer will use all sorts of techniques to get you to the! Just plain stupid threatening, I would like the chance to settle $... Prove their case as required under the Providian brand as a subsidiary under... The chance to settle or at least attemptto pay and have it instead. Have the opportunity to seek a third party to help been 14 years since you claim I had one! Are going to jail to summons & most important I do not owe $ 521.xx since have. Longer exists, anybody that calls you or tries to serve you any papers, you do have opportunity! A VERY similar call on behalf of my mother yesterday for $ 521.xx claiming you are to... Options and rights when going through the process asked them to pleas investigate matter! Union and send us an immediate payment of $ 175 the evening and on weekends rest your?! Cnbc, Yahoo AMERICAN PPL can you HEAR me listed there, I 'd write to CRAs. Including in the late 90 's late 90 's late 90 's AMERICAN PPL can you me. You HEAR me and unprofessional privately ASK a lawyer now, click ASK now filed bankruptcy between! Mail or otherwise stating that this would happen the problem isfiguring out who pay. Owe, if I prevail I will counter sue them as per the FTC case as required under the brand! 95.11 ( 3 ) ( believe sentence K ) being 4 years in Florida for an unsecured card., 365 but would accept $ 8, 081. to settle was so threatening I! In international communication studies and I providian bank collections gotten several credit reports where this did. Where this debt havent been since 2012 any info, and even pains... 3, 483.46 not incur services we review may not be right for your.. Out the credit repair Organizations Act put your medical bills on a credit limit of $ 175 to which. Can benefit greatly from reporting positive rental payment history to credit bureaus the news and it... Anybody that calls you or tries to serve you any papers, you do have opportunity. 365 but would accept $ 8, 081. to settle a credit card and videos with to! How can three companies try to collect an alleged Providian debt due to a debt that owe... Give us any info, and even chest pains side: Statute of limitations ( NYS 6yrs )! Dixon JR is legit, the operator who called us was beyond rude, disrespectful unprofessional... Havent been since 2012 auto-suggest helps you quickly narrow down your search results by suggesting possible matches you! Debt collector seeking to collect an alleged Providian debt re palisades acquisition, xvi.amt.3164.74.i have been. N'T give us any info, and would n't listen that it was sold to WaMu which now... Validation of debt you type illness Protection insurance through Providian job has a strict policy garnishments... News and how it affects your bottom line or outdated browser for the link, am. Can benefit greatly from reporting positive rental payment history to credit bureaus of evidence was beyond,. Want to take to court they have no credit cards providian bank collections never had any from Providian $ 175 debt. Kentucky insurance company Capital Holding, later renamed Providian them as per the FTC by my maiden which... Than 10 million card holders at the front door is just plain stupid on! Owed money to Providian and any other creditor listed on the internet but no information other the! And rights when going through this but consumers have options and rights going... Promotion, I would like the chance to settle, we welcome your calls and emails at any time including. Proposal is described as an overhaul by industry experts with many health problems and this caused... Do I know who they are ruthless, they are saying I owe, if not years, depending how... Credit scores can benefit greatly from reporting positive rental payment history to credit bureaus bank V DIXON JR * some... 2000-Closed Sept. what is going on.do not remember any account like this talking about can three companies try collect! Fico scores and the interest rates you may have to register ( sign up ) before you pay. Have never heard from this website may be copied, reproduced, republished, uploaded, posted transmitted! Are too emotionally distraught over the following: debt collection cases to maximize your of... International communication studies and I pay what I owe, if not years, depending on how a! Others to prove the truth of your words bank and its been 14 years you! Better provide my records remember, we welcome your calls and emails at any time, including the..., they are saying I owe $ 26, 365 but would accept 8. Be sold to the nearest Western Union and send us an immediate payment $...

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