Finance and CBS News Radio. Scammers like to use intimidation and fear to get payments. Negotiating debt on your own, or even just calling a collector, can be intimidating. Do you want to go to jail? I called the number on the bill, and they gave me about 20 different number and kept telling me other people were handling the debt. Read more. 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). One account that was opened apparently was with Providian National Bank, credit card account when they found me to collect on a debt I filled out the paperwork letting them know this was not my debt..Some time went by and I heard nothing, until I received this threatening letter from Ozark Capitol Corporation which is actually a collection agengy ran by the Law form of Hosto & Buchan PLLC, by now we put our attorney on this, who entered a answer that this was not my debt but that my identity had been stolen, somehow this Law Firm manages to go to court anyway and get a Judgment for over $2, 000 in 2004, now in 2012 my checking account is garnished with penalties and interest for over $5300.00 for this judgment of which I never even knew existedI plan on filing a complaint with the Attorney General Office, as well as The Law form, and the BBB, as well as filing a law suit against Providian National Bank, Ozark Capitol Corporation, & Host0 & Buchan, P.L.L C. I recently was contacted by a Debt Acquisition Company/Debt Collector named C & M Associates who claims I owe them money from a credit card issued by Providian Bank in 2003. This review was chosen algorithmically as the most valued customer feedback. Write them down. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. Who are these people and what are they up. *Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. The Web's Largest Resource for Definitions & Translations. Our opinions are our own. Re: HELP! Providian National Bank Collection Agency's: Providian Credit Card Nationwide. 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 national bank i think is r use to be a credit card company that changed there name to washington mutual i think if its the same people i hope this helps u i dont have no other info did u try looking it up on the internet, i use to have a credit card with that name on it but i think also that they went bankrupt lol shows them right though. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. It also can lead to the debt being marked paid in full on your credit reports, which can offset some of the damage done by delinquent debt. Jan. 17, 2002. C. Ray. Don't ever send a debt payment by wire transfer, especially overseas. If they call again tell them to send you a letter of the details regarding that debt if they say anything in the realm of pay us now over the phone it's a scam. If you miss a payment, the debt collector may abandon the agreement and try to sue you for payment, which can lead to wage garnishment. I has asked the collection agency if there was a way that I could get proof of purchases or something. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. My credit report is clean. I honestly dont know what to do or if this is legit. Travisbailey80@gmail.com. Negotiating a settlement takes persuasion and caution. , paying off the debt in full with a single payment can quickly resolve your debt collection woes. Thanks.. 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. If you have been sued on an allegedProvidian credit card debt anywhere in Central Florida, please call us right away for a free consultation about preserving your rights and a free evaluation of your case. It also can lead to the debt being marked paid in full on. Something went wrong. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. Lead Assigning Editor | Personal finance, credit scoring, debt and money management. 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 *****. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. No Annual Fee. . Providian bank credit card - Legal Junkies Forums 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? Here is a list of our partners and here's how we make money. I finally called Chase bank (who bought Providian) and nicely explained to them my situation. Pre-qualified offers are not binding. All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. We believe everyone should be able to make financial decisions with confidence. The only thing is that I cannot find any recent information on Sherman. Now, Chase is reporting the same account. I just received a letter from a law firm Cohen& Slamowitz, LLP stating that Providian National Bank was the original creditor and that then it was PORFOLIO RECOVERY ASSOCIATES LLC. 3 Ways to Pay Off a Debt in Collections - NerdWallet 14 complaints closed in the last 12 months. You will pay, do you hear me! 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! 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. Before you pay any debt to any collector, confirm that the debt is real and valid. We want our residents to feel at home and know they can count on us to answer questions and resolve issues promptly, honestly, and respectfully. This comment was posted by a verified customer. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. They say I owe the same thing. I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. 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! Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. The U.S. She began shouting, said, 'Oh, here we go, another f******* deadbeat. wel we just got one of these people calling an old address . That would include such things as payday loans, high-rate credit cards, rent-to-own contracts or extended car loans. 02:28 PM. . They pressure you A credit collection scam might use scare tactics and threats. The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. Note that complaint text that is displayed might not represent all complaints filed with BBB. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. Check your credit report at least once a year to reduce any surprise calls from collections, Eweka says. By the way one last thing. There are a few things you can do to stop this process before it even starts. The card was open Dec.4th 2000-closed Sept. 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 *******. have old credit card debt from 1996 It was for Providian credit #1 Providian bank credit card 09-16-2015, 12:37 PM Today I got a call that I owed $2000.00 from providian credit card. 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 . ASK a legal question; POST an issue. providian medical equipment LL C Mr. Dave Skoke ,Providian Medical Equipment LLC, having place of business 5335 Avion park Dr. Unit A highland heights, Ohio 44143 Providian is a group of bad people. "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. The opinions you read here come from our editorial team. Our partners compensate us. 3. not gonna wait for them to do what ever they want. Dont respond and file a complaint with us. This comment was posted by a verified customer. Waving the flag here! 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. And before you enroll in any type of financial assistance, considerwhat's best for your situation. Providian needs to accurately report to the credit bureaus that my MasterCard is "paid as agreed" and "paid in full". As with any negotiation, start lower than your target. 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. I got a letter from ARA Inc saying I owe Providian bank, who I have never heard of. I have paideverythingelse off my creditand will pay this if needed. obviusly it was a foreign btch who could speak 2 or 3 words of english. 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. However, they may be able to leverage the legal system in surprising ways, like suing you or freezing your assets. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Do you have your official credit reports from the CRAs? However, a new report from Pew Charitable Trustfound that increasingly, collections companies are taking debt settlements to civil court. whos on her death bed! They have wiped me out! Account closed, zero balance due. Category: Legal. However, real debt collectors still have to obey the law. I am not going to send mone to someone i do not even know. You may also be sued. ABBREVIATIONS; ANAGRAMS; BIOGRAPHIES; CALCULATORS; CONVERSIONS; . You are past-due, or delinquent, on your bills and your card issuer's collections representative calls you to pay your overdue balance. Never attempt to "scam the scammer." When he's not writing about personal finance, Sean can be found digging around his garden, going for runs and taking his dog for long walks. We'd love to hear from you, please enter your comments. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. When I asked why this was not on my credit report, I was told that it was, and I just missed it. Her information put me in the right direction for action that kept me legal . Is that legal?? They have a website that list a single email address, but no physical address or phone number. I had no clue why. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. I have a few things on my side: Statute of limitations (NYS 6yrs.) With the counselor's help, call the collections agency and arrange a payment plan so the delinquent marks roll off your credit report as quickly as possible. and fill out the "Identity Theft Victims Complaint and Affidavit". these providian [censored] are trying to go after my sick mother! Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. Providian Credit Card Debt Lawsuit - Helping Florida Consumers They are sending someone to serve me with papers to appear in court. BBB Business Profiles are subject to change at any time. Re: HOW MANY POINTS FOR COLLECTION 'DROP OFF'. They are both reporting the same account and account balance. I'm glad I was on the phone with my elderly mom as this is unacceptable. If you've recently lost your job or incurred an unexpected expense such as a medical bill, there are resources to help you juggle debt repayment. First of all, the law prohibits debt collectors from lying, threatening you with things they can't do or posing as government officials. If the debt is not on your credit report, that does not necessarily mean the debt is not valid. Some collectors refuse to work with the latter, but are obligated to work with an attorney. I asked her for her name and she hung up on us. I need access to If your debt has not gone to collections yet, one option to help you save tons on interest and pay it off more quickly is to use a balance transfer . Login . 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. 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 are available onAnnualCreditReport.comthrough April 2021. I can't find out how to contact these folks to see what this is about. BBB Business Profiles generally cover a three-year reporting period. Creating a payment plan lets you set a payment schedule and amount that works for your budget. You won't go to jail for your debt, so if the collector says that you will, they're lying. Hi everybody, I think that Providian Collection Agency is pulling a scam, do not pay them. "Sometimes people do not even realize they have some of their debts.". I, personally, choose to "clear" my debt by paying debt owed, not by wrangling about FCRA and FDCPA avoidance of non-payment implicatons. 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! Providian Credit Company review - Review Stream International Association of Better Business Bureaus. Many or all of the products featured here are from our partners who compensate us. Copyright 2013 Rudnitsky Law Firm . Select a topic to see what people are saying about different issues Professional development At the time it was sold, the Providian Bank had more than 10 million card holders. Same here after 11 years. In any case, the scammer will use all sorts of techniques to get you to pay intimidation, lies, harassment, etc. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. A female operator provided a case number and phone number of ************. Keep in mind that debt falls under a statute of limitations in each state. All financial products, shopping products and services are presented without warranty. They say I owe them $3037. Debt collector for a Providian credit card I had 30 years/cannot - Avvo They are taking legit actions to collect a legit debt. thank u. WHy can these guys get away with this. highland height. Even if your debt is already in collections, debt collectors are not allowed to lie to you, threaten you, use obscene language or harass you by phone. Youve stopped checking your credit score. On "Smart Money," Sean talks with Nerds across the NerdWallet Content team to answer listeners' personal finance questions. Stop and take a deep breath . The reason my husband got a providian credit card was. Providian National Bank Review: Unfair Collection on account that I I was going to reach out them once I got some imput on from everyone here. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. 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. They said they had left it at the front door. Had a Providian credit card about 10 years ago and I thought it - Avvo I tell ya, these guys will try anything! The original creditor may. NerdWallet strives to keep its information accurate and up to date. so you can handle it properly. MY FIRST THOUGHT WAS WHY DIDN'T THE PAYROLL DEPARTMENT NOTIFY THE EMPOYLEE OF THIS GARNISHMENT?I AM VERY PISSED OFF AND I'M GOING TO BE BY HER SIDE UNTIL THIS MATTER IS RESOLVE SECOND OFF WHY DIDN'T PROVIDIAN CONTACT HER OBVIOUSLY THEY HAD HER CONTACT INFO TO GARNISH HER WAGES WITHOUT HER KNOWLEDGE PROVIDIAN YOU SUCK WHO EVER YOU ARE AND WE WILL SEE YOU IN COURT THANKS FOR SCREWING UP HER CHRISTMAS! If you want to settle for 50% of what you owe, for example, try starting at 30%. 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. In April I have 4 negative accounts coming off so will see how much that changes the score as well. Can collector come after me for 20-year-old debt? - Yahoo Finance Now they have 3 different collection agencies attempting to collect over $3000 on the same account! 2. Please write me at v.romero@yahoo.com. I received a call from ************** saying I owe money to Providian National Bank. 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. UnpaId debt remains forever, regardless of any secton,or subsection, of the FCRA or FDCPA. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. They addressed me by my maiden . Tried to explain that this was not my account. Having an account sent to collections can be stressful. I called this creditor and wanted info on this account they have nothing but its from 12 years ago, they can't even give me a phone number to reach this bank to find anything out. 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. 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. Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. I've called recently and numerous times prior to take me to court for the past 10 years, so far they haven't.

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