providian credit card put my bill in collections providian credit card put my bill in collections

They say I owe 3000.00 and I never had a providian card . Is that legal?? These scammers can be very convincing, which is why you need to spot the signs of a fake debt collection: Real debt collectors already know much of your information e.g., how much you owe, your address, social security number, birthday, etc. Check your credit report at least once a year to reduce any surprise calls from collections, Eweka says. Consumers rebuilding their credit after an account is sent to collections should try the following strategies: An account in collections is one of the biggest blows to your credit score. 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. 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. Editorial Note: We earn a commission from partner links on Forbes Advisor. However, you have no obligation to use their services. BBB Business Profiles may not be reproduced for sales or promotional purposes. However, this does not influence our evaluations. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. 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. What does providian mean? Research/discuss 85,000 issues in the forum or privately ASK A LAWYER NOW, click ASK NOW. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. The collector cannot. Re: HELP! 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! It should state: That the agreed-upon amount is sufficient payment for the entirety of the debt. To start digging out of debt that's already in collections, "get some help quickly," says Eweka. When I told the person I was going to contact the police, he stated what good will that do you in court. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. Subsidized student loans vs. unsubsidized student loans which is right for you? Youll likely be informed via a letter in the mail, or a collector will start calling you. They are not scam artists, they just do not play nice when it comes to collecting money. Copyright 2013 Rudnitsky Law Firm . Pre-qualified offers are not binding. It also can lead to the debt being marked paid in full on. 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 discovered in 2003 that someone had opened up a Providian Credit Card account in my name, actualy my identity was stolen when a car was stolen in 1998-99 it took me several years to discover it. How the debt collector will report the debt to credit bureaus. Pre-qualified offers are not binding. File a complaint to Providian National Bank, They have 3 different collection agencies attempting to collect over $3000 on the same account, Providian National Bank - They have 3 different collection agencies attempting to collect over $3000 on the same account, 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. Single women own more homes than single men but get lower returns here are 5 tips to change that. It was a credit card bill that I had with Providian Financial back in 03. 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 looked up the bank and called the numbers and they were not work. Close. More than one in four consumers (28%) have a third-party collections tradeline on their file, according to new data released by the Consumer Financial Protection Bureau. Remember, you have debt collection rights. That's ugly". Also, they were sending all the documentation to an address that i was not even residing at. Negotiating a settlement takes persuasion and caution. I got a letter from ARA Inc saying I owe Providian bank, who I have never heard of. Negotiating a settlement takes persuasion and caution. Our opinions are our own. I just had (today) Equifax delete 2 collection accounts and 1 judgment. I have no credit cards and never had any from Providian. Any suggestions? No fee for additional employee cards. After about six months (depending on the lender), they will give up. 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. Now theyre trying to garnish my wages without even giving me any information. The more you engage with scammers, the more likely you'll lose more money and time. Read more. The amount of time that passes before the debt is released to collections depends on the type of loan. I had a credit card with this company in ****. Share This. Johndowning01@gmail.com I am just beside myself with the crap crawls out from underneath a rock. We've never taken out this credit card nor do we know who this is. Someone paidtheir own money, out of pocketin the past to cover your prior debt. Now they have 3 different collection agencies attempting to collect over $3000 on the same account! This complaint was posted by a verified customer. 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". Nationwide *Author of original report: PS.because I forgot to mention it! 3. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. If you want to settle for 50% of what you owe, for example, try starting at 30%. o6, thank you for the link, I found thatone too. However, they may be able to leverage the legal system in surprising ways, like suing you or freezing your assets. As another example, many debt collectors cannot prove their case as required under the applicable Florida laws and rules of evidence. Be sure you set an amount and schedule that won't strain your budget to the breaking point. .$3000. She began shouting, said, 'Oh, here we go, another f******* deadbeat. #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. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. This information may be different than what you see when you visit a financial institution, service provider or specific products site. If you come into money through a tax refund or inheritance, or if you just hustle to earn the money, paying off the debt in full with a single payment can quickly resolve your debt collection woes. Cheryl lindsey. The new balance most likely reflects the interest which is common. Please try again later. I cover what's going on in the news and how it affects your bottom line. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. Thanks.. I wanted to see if anyone else had dealt with them and the results of that first. The debt is over 3 years past the SOL. Stop and take a deep breath . Who would get the money. Understand your rights Credit Target. 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. Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. How Debt Collection Scams Work. Hi. At the time it was sold, the Providian Bank had more than 10 million card holders. Follow me on Twitter at @keywordkelly. Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. Meaning of providian. You will pay, do you hear me! They want me to settle and I don't have money to pay and I have never had an account with this bank. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. She earned a bachelors degree in journalism and mass communications from the University of Iowa. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. . I have paideverythingelse off my creditand will pay this if needed. So if a debt collector pushes you to pay immediately, be very cautious. As a matter of policy, BBB does not endorse any product, service or business. Here are six telltale signs that you're dealing with a credit collection services scam: 1. Who are these people and what are they up. wel we just got one of these people calling an old address . I am actually going through this right now. Share your photos and videos with others to prove the truth of your words. If you want to settle for 50% of what you owe, for example, try starting at 30%. These were from 2001 (collections) and 2004 (judgment). Once youre notified, there are a few different paths you can take to resolve the debt. Presumably. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. can get debt collectors off your back and put you on the path to restoring your credit and reclaiming your finances. 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? Debt is toxic when it. Learn more. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. I was issued a court order from ForXXX & GarXXX pertaining to a Providian bill I do not owe. 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. They say I owe the same thing. I have never use Providian bank or ever financed anything in my life through them. They sued me andwent to court in 04 andI did nothing about it (dumb youth). Supposeonly owing over $11000 they will settle for $2000. His credit report had so many errors on it. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. The greater the debt and the longer its been in collections the more likely the creditor is to accept a settlement. In May 2019, CFPB Director Kathy Kraningerannounced a proposalto change certain restrictions under the FDCPA, ranging from how collectors can contact consumers, when and how many times. I told him for what ? 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. If they refuse to answer all of your questions, there's a good chance you're in the middle of a scam. I told them I never heard of them. Services that help with debt settlements include debt attorneys or debt settlement companies. The STANDS4 Network. whos on her death bed! I can't find out how to contact these folks to see what this is about. You might be using an unsupported or outdated browser. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Scammers don't want to be found, so they often insist you make a payment by Visa gift card, iTunes gift card, wire transferor some other untraceable method. If you find yourself in this situation, know you can seek free legal advice and/or pro bono counsel by looking up nonprofit legal aid organizations in your state. What do I do? I finally called Chase bank (who bought Providian) and nicely explained to them my situation. Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer. 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. How to Deal With Debt Collectors in 3 Steps, 5 Ways the Fair Debt Collection Practices Act Protects You. I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. If they want to take to court they have better provide my records. ComplaintsBoard.com is a leading complaint resolution website on the Internet. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. No matter which route you take, make sure you get the agreement between you and the debt collector in writing to ensure both parties stick to the plan. She has never had a credit card. What You Should Do Once An Account is Sent to Collections, reporting rental payments to credit bureaus here, Check out Forbes pick for the best credit cards if you have bad credit here, Best Personal Loans For Debt Consolidation, How Do Personal Loans Affect Credit Score, Selling revolving debt to a collection agency who then when work to collect it, or. Over 80,000 legal issues have been answered so also consider using the search function. I do not have or ever had a credit card. thank u. Think about the letter you received, Tayne says. 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. But consumers have options and rights when going through the process. 14 complaints closed in the last 12 months. Same here after 11 years. Yet "consumers with legal representation in a debt claim are more likely to win their case outright or reach a mutually agreed settlement with the plaintiff," cites Pew's report. I have no contacted a lawyer to find out what's going on and what legal recourse I have. 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. Weigh the pros and cons of funneling money into wiping out debt versus the loss of money for other expenses. To get your free credit report authorized by law, go to AnnualCreditReport.com or call (877) 322-8228. 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? 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. Read more on. My husband stressed over this all weekend not knowing what was going on or what to expect. Here is a list of our partners and here's how we make money. I have now received three phone calls since 01/06/2023. The scariest part is this person had all my personal information but was using my maiden name which I haven't used in over 20 years. Ask Your Own Legal Question. He told me I owed money to Providian bank. 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! Further information is available in our FICO Data Privacy Policy. They say I owe them $3037. . 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. The act protects consumers from abusive, deceptive and unfair debt collection practices such as limiting debt collection calls before evening hours, not allowing incessant calling or communication via postcard and prohibiting the use of violence or intimidating language from the debt collector. The Forbes Advisor editorial team is independent and objective. Explain to the creditor why you can't make full payment. We believe that a truly successful business puts customers first. Now, Chase is reporting the same account. 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. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. my close friend had a providian card back in the late 90's LATE 90'S AMERICAN PPL CAN YOU HEAR ME? Before Sean lead podcasting at NerdWallet, he covered topics related to consumer debt. Typically, collections remain on a credit report for up to seven years. Are you saying that there is a judgment against you and you now want to pay the judgment off? My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? I asked her for her name and she hung up on us. Don't ever send a debt payment by wire transfer, especially overseas. Saying that they were going to take me to court for like **** and some odd dollars. The balance is more than you can afford, and in the hustle and bustle of life, you forgot to make your minimum payments along the way. good god our country is doomed. This will surely increase the credibility of your complaint. and we called the guy was talking so fast n wouldn't slow down. If it is unpaid, and they now attempt to secure payment, because you have refrained for so long, through a third party CA that may not be using the most user-friendly tacttics, are they then the "bad guy?". 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. OLD CC COLLECTION DEBT/RIP-OFF SCAM. P.S. His work has appeared in USA Today, The New York Times and elsewhere. I know Providian was point A in the banking crisis of 2008 as they issued sub prime credit cards, sold off their debt to Washington Trust who was infamously involved in the sub prime mortgage business which lead to the Great Depression of 2008. 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. Due to a recent promotion, I should now be referred to as. I need access to Real debt collectors will often try to get payment quickly, but if your collector is being very pushy, you should be suspicious. Submit a complaint and get your issue resolved. 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. Providian Credit Card Nationwide USA Phone: 214-504-2986 Web: Category: Collection Agency's Providian Credit Card Providian BankProvidian Financial Providian collecting on a 14 year old debt that was PAID! 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. We called and another female operator confirmed my mom's name and birthday. Information provided on Forbes Advisor is for educational purposes only. What financial position am I in to pay this debt? 9-26-2001 I submitted to Providian Credit Card Company a "Credit Protection Extension Request Form twice along with a medical letter. I was told that the debt is over $15,000 with all attorney and legal fees. A partial payment on your credit report will crimp. BBB Business Profiles are subject to change at any time. What recourse were you able to take? ABBREVIATIONS; ANAGRAMS; BIOGRAPHIES; CALCULATORS; CONVERSIONS; . When evaluating offers, please review the financial institutions Terms and Conditions. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. I've been featured as a personal finance expert in outlets like CNBC, Yahoo! Tell them you've been targeted by fake debt collectors. highland height Ohio. Youve stopped checking your credit score. Something went wrong. 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. . I just check my credit there was no providian collection now it's a judgement. The paperwork looks legit but I wonder if this is a scam, ASTA Funding and Palisades Collections have perpetrated a massive fraud upon the American people. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. not gonna wait for them to do what ever they want. If it's not, you have three main options to pay off a debt in collections: Heres a breakdown of each tactic to pay off a collection agency. Ask yourself, Do I owe the money? Do this as soon as you know you're going to have trouble paying your bills, and you could benefit from a lower APR, temporary forbearance or deferment, waived late fees or other accommodations depending on your financial situation. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. When evaluating offers, please review the financial institutions Terms and Conditions. ForXXX & GarXXX NEVER replied or sent me any disclosure so I could at least provide back up of payment if I ever dealt with Providianwhich it does not seem familiar to me..and I am being harassed for a debt I did not owe and further more was never on my credit report. This is threatening our livelihood and my husband's health and reputation. will be forwarded to the company advertising on the DebtCC. All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. As with any negotiation, start lower than your target. First, make sure this fits your financial situation. Past performance is not indicative of future results. 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! Contact the judgment creditor's attorney as listed in the court files; or. 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. "The best thing to do to avoid having your debt going to collections is contact the creditor to set up a payment plan or ask for reduction on the amount of debt owed," says Eweka. After you receive the collection letter, send the collection letter back to Providian with a letter requesting a "verification of debt" or "copy of judgment". I am also simultaneously filing complaints with all of the following entities: OCC - Comptroller of the Currency, Administrator of National Banks. I have no memory of ever receveing this card nor do I remember applying for it. This should remove the collection from their files. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! Kathy Hinson leads the Core Personal Finance team at NerdWallet. Submitted: 12 years ago. Before you make a payment on a debt, first determine whether the debt is past the. Payment history is the largest contributing factor to your FICO score. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. They addressed me by my maiden name which I havent been since 2012. We earn a commission from affiliate partners on many offers and links.