Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! Once youre notified, there are a few different paths you can take to resolve the debt. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. Providian was supposed to be sold to WaMu which is now 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. + Leaflet | OpenStreetMap contributors | Open In Google Maps I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. If they cause my mother any more stress lord have mercy! Explain to the creditor why you cant make full payment. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. 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. Re: HELP! Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. On "Smart Money," Sean talks with Nerds across the NerdWallet Content team to answer listeners' personal finance questions. U.S. and 30 countries. I also had filed bankruptcy in between this time. What am I supposed to do with that if I cant get in touch with anyone from this bank? BBB is here to help. You can do this yourself, even though many debt settlement companies will try to get you to pay them for this service. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. Now your phone rings multiple times a day from numbers you dont recognize. I cover what's going on in the news and how it affects your bottom line. Creating a payment plan lets you set a payment schedule and amount that works for your budget. Learn more. : If you owe money, the lender will sometimes hire a debt collection agency to try and get you to pay. According to FICO, the more recent a collection is, the more it will hurt your score. A large majority of debt lawsuits (over 90%) are against individuals who don't have legal representation. Ripoff Report | Providian Review - Nationwide - Providian visa credit Hi everybody, I think that Providian Collection Agency is pulling a scam, do not pay them. This is a reality for millions of Americans. I have never use Providian bank or ever financed anything in my life through them. 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. However, they may be able to leverage the legal system in surprising ways, like suing you or freezing your assets. Previously, she spent 18 years at The Oregonian in Portland in roles including copy desk chief and team leader for design and editing. The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. In any case, the scammer will use all sorts of techniques to get you to . Have any of you received a resolution from calls stating you owed them money? When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. She is elderly and I made sure we called them together. 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". I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. At this point, your creditor is cutting its losses and is no longer involved. Finance and CBS News Radio. 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. Be-careful you loos your money . They addressed me by my maiden name which I havent been since 2012. 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. See details. They are taking legit actions to collect a legit debt. No fee for additional employee cards. If you want to settle for 50% of what you owe, for example, try starting at 30%. Its expected to pass by the end of the year, so consumers should pay attention to the final changes. Note: When you get your credit report, review it carefully for false, outdated, or inaccurate entries. If it's not, you have three main options to pay off a debt in collections: This option can help you pay off the debt in a manageable way. Its going on the trash. The card was open Dec.4th 2000-closed Sept. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Weigh the pros and cons of funneling money into wiping out debt versus the loss of money for other expenses. This information may be different than what you see when you visit a financial institution, service provider or specific products site. http://settlementscams.com/debtcollector.pdf. Guess who wins. How to Deal With Debt Collectors in 3 Steps, 5 Ways the Fair Debt Collection Practices Act Protects You. 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! 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. ), I was never advised of this debt prior to summons & most important I DO NOT OWE! 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? My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. Copyright 2013 Rudnitsky Law Firm . 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! my close friend had a providian card back in the late 90's LATE 90'S AMERICAN PPL CAN YOU HEAR ME? You seem to acknowldege the debt. OLD CC COLLECTION DEBT/RIP-OFF SCAM. Note that if you have more than $600 forgiven, the IRS can consider that taxable income. There are a few things you can do to stop this process before it even starts. However, you have no obligation to use their services. highland height. will be forwarded to the company advertising on the DebtCC. Single women own more homes than single men but get lower returns here are 5 tips to change that. They said they had left it at the front door. Location of This Business One Mobility Plaza PO Box 156, Sewell, NJ 08080 Can collector come after me for 20-year-old debt? - Yahoo Finance I live in a bulding & too leave it at the front door is just plain stupid. Now they have 3 different collection agencies attempting to collect over $3000 on the same account! Image Credit. According to Debt.org, there are three phases to debt collection: Six months is the general guideline, but according to Eweka there is "no set rule" on how many times you'll get a phone call or letter before your debt is turned over to an agency. This review was chosen algorithmically as the most valued customer feedback. Imagine you got sick a few months ago, and put your medical bills on a credit card. We earn a commission from affiliate partners on many offers and links. will try to get you to pay them for this service. He confirmed my name and social security number. Our partners cannot pay us to guarantee favorable reviews of their products or services. Thanks.. What recourse were you able to take? thanks Pre-qualified offers are not binding. And through our passion for real estate, we take care of our owners' properties like our own. 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. I just received a collection from Portfolio Recovery Associates, LLC. Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. In many cases you can pay the court clerk and they will record asatisfaction of judgment. You can start the conversation on the phone, but dont make the payment until the debt collection company sends you a written agreement. Before Sean lead podcasting at NerdWallet, he covered topics related to consumer debt. At the time it was sold, the Providian Bank had more than 10 million card holders. Accepted at millions of. All they gave me was the CC#. WHy can these guys get away with this. Two weeks ago I received a summons to court! How to know if a debt collector is a scam - MSN Providian National Bank Check ordering through Deluxe (you can also order checks through online or mobile banking) (877) 838-5287: Bill Manager 24-Hour Phone Support. 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. I tell ya, these guys will try anything! Stop and take a deep breath . 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. so you can handle it properly. Search for the company name on the internet, review their website, call their number, etc. 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. Your financial situation is unique and the products and services we review may not be right for your circumstances. 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. It can take up to seven years for your past-due history to disappear completely off your report, but as you work toward settling outstanding debts your score will consistently increase with time. They are both reporting the same account and account balance. 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. I asked her for her name and she hung up on us. I will not allow them to disrupt my life. Does Paying a Collections Account Help Your Credit? They transferred me to credit card services to look up any old Providian accounts I might have had=none. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. 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 . It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. There are exemptions to this, so you may want to consult a tax expert. I am actually going through this right now. No matter which card you choose, you'll enjoy important features like: Convenient and Flexible Purchasing Power. Dont lose the ability to defend your case properly! 10 yrs online! I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Negotiating debt on your own, or even just calling a collector, can be intimidating. The bottom feeders are out and looking for anything they can get their hands. Even if you pay it, it will stay on showing paid but it will still be there. If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. Past performance is not indicative of future results. Today I got a call that I owed $2000.00 from providian credit card. this is very weird that they sent me the letter with an old address i use to live at with the wrong Social Security number. Explain to the creditor why you cant make full payment. If they want to take to court they have better provide my records. Tell them you've been targeted by fake debt collectors. 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. 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. I have now received three phone calls since 01/06/2023. Nationwide *Author of original report: PS.because I forgot to mention it! 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. 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. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. California Personal & Commercial Bank - Credit Cards | Provident Bank Login . This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. 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. How the debt collector will report the debt to credit bureaus. No Annual Fee. The only thing is that I cannot find any recent information on Sherman. You are past-due, or delinquent, on your bills and your card issuer's collections representative calls you to pay your overdue balance. A very rude man at *********************** answered the phone. Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. 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. I witnessed the fraud occurring first hand. What to Do if Your Debt Goes to Collections - CNBC This means a collector cannot sue you for a debt that is older than a certain number of years, which the CFPB says ranges from three to six years, depending on the state. Can someone tell me who and what this company is? They are not scam artists, they just do not play nice when it comes to collecting money.