providian credit card put my bill in collections

providian credit card put my bill in collections

Explain to the creditor why you cant make full payment. Think about the letter you received, Tayne says. Remember, you have debt collection rights. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. DON'T LET THESE THIEVES WIN! ASK a legal question; POST an issue. 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. This will surely increase the credibility of your complaint. Share your photos and videos with others to prove the truth of your words. The collections agency tries to get you to pay back as much of the original debt as possible so it can make a profit. One million served! Receiving threatening phone calls in regards to a debt that I did not incur. They are saying I owe $26, 365 but would accept $8, 081. to settle . 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?". "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. Now, Chase is reporting the same account. I have no contacted a lawyer to find out what's going on and what legal recourse I have. can get debt collectors off your back and put you on the path to restoring your credit and reclaiming your finances. Read more. Lead Assigning Editor | Personal finance, credit scoring, debt and money management. 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. So now I have to go to court and answer their complaint and show up at a hearing on 12, 13/17 taking 2 days off of work. Business & Economics23 In October, the acquisition of Providian Financial credit card company for $6.1 driven by our long track . If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. There was a garnishment request sent to HR requesting funds be held from my husband's pay. Collections agencies buy your unpaid credit card debt from your card issuer when your balance lingers too long but that doesn't mean it goes away. If someone contacts you about a debt you owe, you can quickly identify whether it's real or fake. not that I need itthe debt is NOT mine, Forxxx did not respond to my request of disclosure, this was not on my credit report (checked past 10 yrs. Meaning of providian. But debt collection scammers probably don't have all of your info already, so they'll ask for it. o6, thank you for the link, I found thatone too. Account closed, zero balance due. 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 credit cardthat offers 0% interestfor a certain length of time (anywhere from six to 21 months). 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. In some forum areas, you may have to register (sign up) before you can post. I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. I think it's a scam. i recieved the same thing. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. Notify the court clerk that you are unable to locate the judgment creditor. However, real debt collectors still have to obey the law. This option can help you pay off the debt in a manageable way. Here is a list of our partners. I had purchased the illness protection insurance through Providian. Beyond answering listeners' money questions on "Smart Money," Sean also interviews guests outside of NerdWallet and produces special segments to explore topics like the racial wealth gap, how to start investing and the history of student loans. How the debt collector will report the debt to credit bureaus. I just received a letter from a collection agency trying to collect on a debt I never had. I am actually going through this right now. It will fall off in 7 more months and then it cannot hurt him. More details on software and accessibility are available at WebAIM.org. 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. 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: 1. 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! Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. In the early 2000s I had no credit cards, I wasnt working and taking care of my sick grandmother. Hi. 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. 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. And, LVNV is reporting a hugely wrong balance on this old account(if they are even reporting my actual account..they won't validate). Today I went to the mail and I had a letter from a credit company saying I owed them 600.00 from this Providian bank. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". I received nothing in the mail or otherwise stating that this would happen. I think this bank went out of business years ago, or sold out to somebody else, I also just received a call from Portfolio Recovery Associates demanding payment on a supposed account I had with Providian back in 2001, I told the lady to go to hell since I never owed that money and even if I did, it's been over 11 years, The statute of limitations ran out on that debt almost 4 years ago. 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. When evaluating offers, please review the financial institutions Terms and Conditions. She called me a 'b***h' and I hung up. They are not scam artists, they just do not play nice when it comes to collecting money. It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. Cheryl lindsey. Typically, collections remain on a credit report for up to seven years. It's very simple: Someone contacts you often by phone, but also by text message, fax, mail or email and claims that you owe a debt. This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. Commissions do not affect our editors' opinions or evaluations. What are you willing to offer me to settle this debt? Tayne says. His writing has appeared in The New York Times, USA Today and elsewhere. Follow me on Twitter at @keywordkelly. Quick Question I just got summoned for a credit card that I dont even recall was mine apparently they put on a Judgement againt me on 10/1/2007 and now i just recieved a letter from the . We have had good success in defending Providian credit card litigation using our knowledge of Floridas laws, including statutes, court rules and rules of evidence. I have never heard from this bank nor do I know who they are. Hopefully something can be done, this is absolutely ridiculous. 9-26-2001 I submitted to Providian Credit Card Company a "Credit Protection Extension Request Form twice along with a medical letter. No matter which card you choose, you'll enjoy important features like: Convenient and Flexible Purchasing Power. the color of a red dog is (write the answer twice with an "@" between the words). Having an account sent to collections can be stressful. I'm having difficulty with contacts in order to get to the bottom off this. 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. Select spoke withShelly-Ann Eweka (CFP, ChFC), a wealth management director at TIAA, who shares everything you need to know about debt collections. 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. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. They have wiped me out! Keep in mind that debt falls under a statute of limitations in each state. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Also known as PROVIDIAN NATIONAL .A collection agency has sent me a letter stating I owe them for a credit card I never even had.From an address I never even lived at on 9/04/2009. This is the only bill that is holding me up from financial freedom. You cannot get away from us. This review was chosen algorithmically as the most valued customer feedback. Re: HOW MANY POINTS FOR COLLECTION 'DROP OFF'. Your first debt-payoff priority should be addressing the types of debts most likely to be toxic. I have gotten my credit clear of everything except one old credit card collection. So why would I have a credit card. At the time it was sold, the Providian Bank had more than 10 million card holders. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Sorry this is vane again my correct email address is v.romero2@yahoo.com. Dont lose the ability to defend your case properly! If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. 3. The Web's Largest Resource for Definitions & Translations. About the author: Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. 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. I think you can correct this whole thing including the judgement - go to debtorboards.com and post your question. "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. Even if I did, staute of limitations passed over 15 years ago. But if you've let it go unpaid for months, your issuer could pass it on to one of over 7,000third-party collections agencies in the U.S. I had no clue why. I've been featured as a personal finance expert in outlets like CNBC, Yahoo! And although laws vary state by state, collections agencies are generally not allowed to use unfair practices like adding fees and interest on top of what you owe (since they're already making a profit from it), nor can they threaten to take your property through illegal means. The sent to address I have not lived for over 12 years. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. The three major credit bureaus(Experian, Equifax and TransUnion) are offering free weekly credit reports for the next year. I just received a collection from Portfolio Recovery Associates, LLC. This is over 22 years ago. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. To pay off a collections account, you can make a payment plan, settle the debt or pay it off in full. My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. You can say something like, Is there an option to settle this debt? 2019 Legislative Session Update for Victims and Service Providers, 2021 Legislative Session Open Government Update. I have never use Providian bank or ever financed anything in my life through them. For example, the lawsuit needs to comply with Floridas court rules for the summons and complaint; often, they do not. 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. Don't ever send a debt payment by wire transfer, especially overseas. wouldn't give us any info, and wouldn't listen . 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. These ratings and reviews are provided by our users. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. so you can handle it properly. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. She has never had a credit card. WHy can these guys get away with this. 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. so after calling chase to see if there affiliated with them ( not that hes ever herd of) I read all these and went straight to calling the lawyer. Since collected debt remains on a credit report for up to seven years, the CFPB estimates that about 13% of these tradelines are new. Please write me at v.romero@yahoo.com. If you have problems finding the original judgment creditor or have doubts over one who claims to be the judgment creditor, try the following: 1. The only thing is that I cannot find any recent information on Sherman. ), I was never advised of this debt prior to summons & most important I DO NOT OWE! What recourse were you able to take? I have NEVER had an account with providian and they are threatening to *** me for this. This is supposedly from 2003 or 2004 making this an approx 13 year old issue again past Fl. They have a website that list a single email address, but no physical address or phone number. All Rights Reserved. Providian bank. The collector must return your request before it can start trying to collect the debt again. Settle the debt for less than you owe. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. Pay all of your bills on time. Even if you pay it, it will stay on showing paid but it will still be there. Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. Once youre notified, there are a few different paths you can take to resolve the debt. Our mission . For instance, a number of card issuers includingAmex,Bank of America,Chaseand more have stepped forward to offerfinancial assistance programs in light of the coronavirus pandemic. I am just beside myself with the crap crawls out from underneath a rock. I did not agree to any amount as this is not my debt. It also can lead to the debt being marked paid in full on. Can anyone out there help us? Paying off a debt in collections can get debt collectors off your back and put you on the path to restoring your credit and reclaiming your finances. Who would get the money. 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 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. Read more about Select on, Best Debt Consolidation Loans for Bad Credit, Personal Loans for 580 Credit Score Lower, Personal Loans for 670 Credit Score or Lower, National Foundation for Credit Counseling, One of the best travel credit cards has a new 80,000-point bonus offer. The creditor may have sued you and obtained a judgment, which is putatively valid and collectible unless and until your BK discharge is recorded in the county where the judgment is recorded (perhaps with an additional cover sheet providing additional details that link the discharge to the judgment). If you want to settle for 50% of what you owe, for example, try starting at 30%. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. What financial position am I in to pay this debt? thanks again. Never pay a judgment unless you immediately get in return a signed and duly notarized 1) General Release and 2) Satisfaction of Judgment. He told me I owed money to Providian bank. The most common types of debt that go to collections are credit card balances and medical bills, but there are many other reasons why people go into debt. You also cant be sued in any county other than where you lived when you signed the contract or at the time the lawsuit was filed. thank u. If the agency gets you to pay your debt back (plus interest and late fees), it gets a commission. 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. However, you have no obligation to use their services. However, this does not influence our evaluations. The greater the debt and the longer its been in collections the more likely the creditor is to accept a settlement. Many or all of the products featured here are from our partners who compensate us. I have free, top notch attorneys for as long as needed. Both of these banks were sued by many people for deceptive banking practices. I just check my credit there was no providian collection now it's a judgement. We called and another female operator confirmed my mom's name and birthday. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. The new balance most likely reflects the interest which is common. Credit Karma receives compensation from third-party . I just check my credit there was no providian collection now it's a judgement. The bottom feeders are out and looking for anything they can get their hands. I told him for what ? The U.S. The Forbes Advisor editorial team is independent and objective. C. Ray. Further information is available in our FICO Data Privacy Policy. Pre-qualified offers are not binding. The STANDS4 Network. I Just received a summons from Schreiber and Cohen LLC Trying to garnish my wages for a credit card I never had nor used. I got a letter from ARA Inc saying I owe Providian bank, who I have never heard of. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. Great discounts from Great retailers and Online Access to your Credit Score. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. 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. How the debt collector will report the debt to credit bureaus. He confirmed my name and social security number. It was a credit card bill that I had with Providian Financial back in 03. I live in a bulding & too leave it at the front door is just plain stupid. I had a credit card with this company in ****. 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. Keep in mind that not all debt collectors and creditors provide information to the credit reporting companies. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. 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. I can't find out how to contact these folks to see what this is about. 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. Providian/WaMu is reporting an old SOL credit card on my credit reports. Providian Financial locations 3.7 Pleasanton, CA 3.8 Arlington, TX 4.1 San Francisco, CA 4.0 Sacramento, CA 4.4 Fairfield, CA 4.4 El Paso, TX 4.2 Oakland, CA Show all locations What's being discussed at Providian Financial? First, make sure this fits your financial situation. http://settlementscams.com/debtcollector.pdf. I say bring it on because I will sue the crap out of them right back.So let them bring it on! When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. Show More. Do you honestly think we can't get you? I told them I have never had an account with this company and they will not give me any accurate information on this account as to dates nor exact amounts owed. Well they are saying that how I received a platnum visa in 2007and that I now owe them 3, 840.52 because the court has granted them that. ABBREVIATIONS; ANAGRAMS; BIOGRAPHIES; CALCULATORS; CONVERSIONS; . KNOW YOUR RIGHTS and stand up to these jerks. It will likely report it as partial payment rather than paid in full, but make sure you know before you agree. We know where you f*****g live!' They said that I opened up a cc April 2001 & that they have served me papers before - which they have not. TheCiti Simplicity Cardlets you pay off debt over a long period, with a 0% intro APR for 21 months on balance transfers from date of first transfer (after, 18.74% - 29.49% variable APR; balance transfers must be completed within four months of account opening). We believe that a truly successful business puts customers first. When I explained I paid that off over 20 years ago and that he was in violation of a few fair business codes, he got nasty and started cussing at me. That's ugly". Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. Make sure the terms of this agreement are correct before making a single payment. 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. Two weeks ago I received a summons to court! 0% APR on balance transfers for 12 months. The collection agency would give me no information other than the name of the company they were working for. You can do this yourself, even though . And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. The lady was so threatening, I am afraid. 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! They are taking legit actions to collect a legit debt. Note: When you get your credit report, review it carefully for false, outdated, or inaccurate entries. I looked up the bank and called the numbers and they were not work. However, they may be able to leverage the legal system in surprising ways, like suing you or freezing your assets. #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. Real debt collectors will often try to get payment quickly, but if your collector is being very pushy, you should be suspicious. Copyright 2013 Rudnitsky Law Firm . It was paid off in ****. the creditor is to accept a settlement. Disclaimer: NerdWallet strives to keep its information accurate and up to date. You seem to acknowldege the debt. . 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! So how do we make money? Editorial Note: We earn a commission from partner links on Forbes Advisor. I really dont see any ripoff. wel we just got one of these people calling an old address . Sherman AcquisitionsFinancial now has it and it is in judgment/collection on my credit reportsdue to be taken off my credit in December 2010. . I have never had a credit card from Providian nor have I ever received a Statement from them, never heard from a collection agency until now and there is no record of Providian Bank on my credit reports from Transunion and Experian or Credit Karma. Tuesday, August 5, 2003 I am sending Providian their final letter. Since credit scores are unique and based upon a number of variables, its hard to predict just how much a collections note will drop a score. Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. . To start digging out of debt that's already in collections, "get some help quickly," says Eweka. They are both reporting the same account and account balance. Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. There are exemptions to this, so you may want to consult a tax expert. My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. Now they have 3 different collection agencies attempting to collect over $3000 on the same account! One of the surest ways to avoid a debt collection scam is to know all of your real or valid debt. Realizing you have debt in collections can be scary. There is an introductory balance transfer fee of 3% or $5, whichever is greater for transfers completed within the first 4 months of account opening. Subsidized student loans vs. unsubsidized student loans which is right for you? We've never taken out this credit card nor do we know who this is. 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. ComplaintsBoard.com is a leading complaint resolution website on the Internet. Finance and CBS News Radio. Be sure you set an amount and schedule that won't strain your budget to the breaking point. After evaluating the debt and coming up with a plan, its time to contact the collections agency. This compensation comes from two main sources. Get it notarized and send it to Providian and any other creditor listed on the collection letter. Research/discuss 85,000 issues in the forum or privately ASK A LAWYER NOW, click ASK NOW. They addressed me by my maiden name which I havent been since 2012. 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.. Before Sean lead podcasting at NerdWallet, he covered topics related to consumer debt.

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