Imagine you got sick a few months ago, and put your medical bills on a credit card. 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". Understand your rights Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. what is going on need help please. My credit report is clean. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! They are both reporting the same account and account balance. 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). 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. thanks It will likely report it as partial payment rather than paid in full, but make sure you know before you agree. They want $1900.00 from me and filing fees. 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. Consult local counsel. Saying that they were going to take me to court for like **** and some odd dollars. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Meaning of providian. 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! They searched my social, name, and address. So thats not really serving me. I am far from unreasonable, and I pay what I owe, if I owe. Debt is toxic when it costs you too much in money or lost opportunity or carries too much risk. Complaints for Providian National Bank - Better Business Bureau It will fall off in 7 more months and then it cannot hurt him. When evaluating offers, please review the financial institutions Terms and Conditions. On "Smart Money," Sean talks with Nerds across the NerdWallet Content team to answer listeners' personal finance questions. Debt is toxic when it. They said that I opened up a cc April 2001 & that they have served me papers before - which they have not. They are taking legit actions to collect a legit debt. These were from 2001 (collections) and 2004 (judgment). I've requested my records and they won't give them to me, which is illegal. The greater the debt and the longer its been in collections the. obviusly it was a foreign btch who could speak 2 or 3 words of english. 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. 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. I live in a bulding & too leave it at the front door is just plain stupid. This review was chosen algorithmically as the most valued customer feedback. 3 Ways to Pay Off a Debt in Collections - NerdWallet 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! I can't find out how to contact these folks to see what this is about. I have no memory of ever receveing this card nor do I remember applying for it. 2019 Legislative Session Update for Victims and Service Providers, 2021 Legislative Session Open Government Update. I also had filed bankruptcy in between this time. The debt is over 3 years past the SOL. The reason my husband got a providian credit card was. P.S. 0% APR on balance transfers for 12 months. How can I find out who Providian National Bank is. I finally called Chase bank (who bought Providian) and nicely explained to them my situation. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. 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. The collector cannot. I recently got a letter demanding my bank account information and they state once I provide the information they will take 1 of 3 actions: 1: A one time payment of 870.70 2: My account will be debited 3 consecutive monthly payments equivalant to $1741.73 3: Take monthly payments from my account that 'I' find affordable until the account is paid in full. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. 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. 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 is very weird that they sent me the letter with an old address i use to live at with the wrong Social Security number. 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. HOW MANY POINTS FOR COLLECTION 'DROP OFF' - The FICO Forums They say I owe them $32, 726. 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. I just had (today) Equifax delete 2 collection accounts and 1 judgment. The opinions you read here come from our editorial team. If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. 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. We believe that a truly successful business puts customers first. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. After that, your fee will be 5% of each transfer (minimum $5). 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. The more you engage with scammers, the more likely you'll lose more money and time. Note that if you have more than $600 forgiven, the IRS can consider that taxable income. Having an account sent to collections can be stressful. That's ugly". Keep this proof in case the payment isnt recorded correctly or the debt somehow gets resold to another collector. The bottom feeders are out and looking for anything they can get their hands. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. 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. 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. When Do Accounts Get Sent to Collections? Commissions do not affect our editors' opinions or evaluations. 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. So why would I have a credit card. Worse, you can also lose the ability to dispute that you owe the debt. Well guide you through the process. But consumers have options and rights when going through the process. They pressure you A credit collection scam might use scare tactics and threats. Share your photos and videos with others to prove the truth of your words. 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 have no contacted a lawyer to find out what's going on and what legal recourse I have. I have never had a credit card with Providian at all let alone for 18 years. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. Explain to the creditor why you cant make full payment. Waving the flag here! When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. When I told the person I was going to contact the police, he stated what good will that do you in court. ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. What am I supposed to do with that if I cant get in touch with anyone from this bank? I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. Perhaps I should start sending out invoices for the time it takes me to deal these types of issues, my time is valuable as well.. If you receive "verification of debt" or "copy of judgment" go to So they mailed me a letter asking me to make payment arrangements . I'm pissed of because times are hard, and this is coming to light in the worst time of my life. Paying in full can get the debt off your back for good, but make sure you get the agreement in writing first. It was a credit card bill that I had with Providian Financial back in 03. 3. Business Credit Cards. Every # that I find for Providian & I call is disconnected. What are you willing to offer me to settle this debt? Tayne says. Sometimes, debt gets shuffled from one collector to another. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". I just received a collection from Portfolio Recovery Associates, LLC. And be on the lookout for the signs of a debt collection scam. 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. You will pay, do you hear me! How To Respond When Your Debt Is Sent To Collections Providian Credit Card | Better Business Bureau Profile "Sometimes people do not even realize they have some of their debts.". However, you have no obligation to use their services. The Web's Largest Resource for Definitions & Translations. They guy was sooo rude & said that he advises me to get a lawyer. Providian bank. I do not have knowledge of this account. 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. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. 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. 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. And you have rights as a consumer. Re: HOW MANY POINTS FOR COLLECTION 'DROP OFF'. Net change, score up from 584 to 598. 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? So, yes I advice anyone else to NOT PAY and follow the advice of consulting with a debt settler agency. It will likely report it as partial payment rather than paid in full, but make sure you know before you agree. They have a website that list a single email address, but no physical address or phone number. There are no debts/collections showing on his credit reports and the news from HR was the first time we've heard of this. I receive a notice from a collection agency that I owe Providian National bank $2222.11. 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. Don't miss:Here's the 'most basic rule of thumb' when it comes to paying off your debt, according to an expert. Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. I called the Law firm collection agency and spoke to a extremely rude man who insisted I give him my address before he would tell me anything. 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). Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt. I received a phone call at my work 1st, Saying I was trying to be served some papers to go to court and that no one was home, If I do not take action they will come to my place of work to serve me some papers. AND TODAY SHE RELIAZED HER CHECK WAS SHORT 300 DOLLARS AND FOUND OUT THAT PROVIDIAN TOLD THE PAYROLL DEPARTMENT AT HER JOB THAT THEY HAD A COURT ORDER TO GARNISH HER CHECKS WOW ! I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. 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. 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 color of a red dog is (write the answer twice with an "@" between the words). When you look up a debtor on the internetand the first five or so sites have rip-off in the address, I felt like I should ask questions before being duped. Keep in mind that not all debt collectors and creditors provide information to the credit reporting companies. They say I owe the same thing. It should state: That the agreed-upon amount is sufficient payment for the entirety of the debt. All financial products, shopping products and services are presented without warranty. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. Keep in mind that debt falls under a statute of limitations in each state. Before Sean lead podcasting at NerdWallet, he covered topics related to consumer debt. Even if you pay it, it will stay on showing paid but it will still be there. Thanks.. Now, probably because they are going broke, they want the rest of the monies they agreed to difur 7 years ago. 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. Send the agency a letter by mail asking them to confirm their debt in writing. I say bring it on because I will sue the crap out of them right back.So let them bring it on! Why, after 14 years, do I get a phone call saying I owe them money? First, if criminal activity was involved, contact your local law enforcement. Lead Assigning Editor | Personal finance, credit scoring, debt and money management. wouldn't give us any info, and wouldn't listen . Texas consumers have reported many tactics used by debt collection scammers. A very rude man at *********************** answered the phone. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. They have wiped me out! Our partners compensate us. Subsidized student loans vs. unsubsidized student loans which is right for you? 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. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. 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. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. How can they do this? 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. Providian was sold in 2005 and later sold again to Chase. The greater the debt and the longer its been in collections the more likely the creditor is to accept a settlement. Home | Providian Real Estate Management Serving Birmingham, AL I am in the same situation as most of you, I received a collections phone call regarding a providian credit card in which I know nothing about. You may also be sued. Search for the company name on the internet, review their website, call their number, etc. I also have never seen this on my credit nor have I seen any collection letters or calls for this. There are a few things you can do to stop this process before it even starts. In April I have 4 negative accounts coming off so will see how much that changes the score as well. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. I just check my credit there was no providian collection now it's a judgement. : If you owe money, the lender will sometimes hire a debt collection agency to try and get you to pay. Choosing the right credit card is easier than ever. This complaint was posted by a verified customer. If the debt is not on your credit report, that does not necessarily mean the debt is not valid. I was going to reach out them once I got some imput on from everyone here. The proposal is described as an overhaul by industry experts with many different changes. I received a Marshall letter for garnishment Monday requesting the amount of $2, 308.55 of an unpaid balance owed to Providian Bank in which i never had. Providian/Chase Collection Notice : r/personalfinance - Reddit They are not scam artists, they just do not play nice when it comes to collecting money. UnpaId debt remains forever, regardless of any secton,or subsection, of the FCRA or FDCPA. 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. U.S. and 30 countries. good god our country is doomed. Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. Debt Collection Scams | Office of the Attorney General By the way one last thing. I donot even know who Providian National Bank is. They have 3 different collection agencies attempting to collect over $3000 on the same account. Guess who wins. Now, how can three companies try to collect the same time barred debt? Please write me at v.romero@yahoo.com. Our lawyers and others will respond within 24 hrs! I have a master's degree in international communication studies and I'm currently based in Paris, France. 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. 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. 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. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. Worse, you can also lose the ability to dispute that you owe the debt. 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. Note: When you get your credit report, review it carefully for false, outdated, or inaccurate entries. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. And, LVNV is reporting a hugely wrong balance on this old account(if they are even reporting my actual account..they won't validate). At some point, usually after 120 to 180 days of nonpayment, the creditor such as a credit card company, bank or medical provider gives up on trying to collect. Funny thing is it has never been on my credit report as I never had a credit card until 2007. If the debt doesnt belong to you, you can dispute it. How to tell the difference between a legitimate debt collector and First of all, the law prohibits debt collectors from lying, threatening you with things they can't do or posing as government officials. I never had credit with them. 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. Started to receive calls from ******************************************* stating that I had a Providian credit card that I opened in **** and paid on it for 18 years and then went into default in 2018. Who are these people and what are they up. How to Deal With Debt Collection - NerdWallet widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. Check ordering through Deluxe (you can also order checks through online or mobile banking) (877) 838-5287: Bill Manager 24-Hour Phone Support. You won't go to jail for your debt, so if the collector says that you will, they're lying. Weigh the pros and cons of funneling money into wiping out debt versus the loss of money for other expenses. Providian/WaMu/Chase/LVNV - Collections - Credit InfoCenter Forums C. Ray. 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. This will surely increase the credibility of your complaint. . Sherman Acquisitions has a proven history off taking paid off debts or old cases and trying tomake the client "double pay" only to pocket the money themselves. If you opt to negotiate the debt, Tayne doesnt recommend giving an amount of how much youre willing to pay off. Learn more. Make sure the terms of this agreement are correct before making a single payment. Today I got a call that I owed $2000.00 from providian credit card. Until today. To start digging out of debt that's already in collections, "get some help quickly," says Eweka. All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. This is false accusations, code violations and harassment. However, you need to assert those affirmative defenses promptly, or you may lose the ability to use those defenses later in the case, including at the trial of the credit card lawsuit. Providian National Bank Review: Unfair Collection on account that I Try a balance transfer card to get out of debt. We've never taken out this credit card nor do we know who this is. Be sure to tell your creditor about any financial hardships you're experiencing, such as a recent layoff, furlough or reduction in working hours. We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. Can anyone out there help us? The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. Customer Reviews are not used in the calculation of BBB Rating. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$ 6.5 billion in October 2005. Real debt collectors will often try to get payment quickly, but if your collector is being very pushy, you should be suspicious. A female operator provided a case number and phone number of ************. This should remove the collection from their files. 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.
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