providian credit card put my bill in collections

If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Another company just called me about the same account and the woman on the phone stated she worked for an attorney, though she refused to say what attorney. 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. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. 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. They also told me they will continue to report it to the credit bureau. I had purchased the illness protection insurance through Providian. whos on her death bed! 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. The options below all require at least a good credit score, so they are usually only effective to use before your debt falls into delinquency. Please try again later. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. 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. I just had (today) Equifax delete 2 collection accounts and 1 judgment. i recieved the same thing. The complaint has been investigated and resolved to the customers satisfaction. The sent to address I have not lived for over 12 years. 2. On "Smart Money," Sean talks with Nerds across the NerdWallet Content team to answer listeners' personal finance questions. Re: HOW MANY POINTS FOR COLLECTION 'DROP OFF'. 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. Weigh the pros and cons of funneling money into wiping out debt versus the loss of money for other expenses. 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. By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) 2023 SELECT | All rights reserved. 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 ! P.S. Our opinions are our own. I did not agree to any amount as this is not my debt. I got a letter from ARA Inc saying I owe Providian bank, who I have never heard of. With a focus on thoughtful and actionable money advice, Sean provides real-world guidance that can help consumers better their financial lives. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. 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. They addressed me by my maiden name which I havent been since 2012. Any suggestions? OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. Disclaimer: NerdWallet strives to keep its information accurate and up to date. 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. Note that if you have more than $600 forgiven, the IRS can consider that taxable income. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. The bottom feeders are out and looking for anything they can get their hands. If you receive "verification of debt" or "copy of judgment" go to *Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. If you leave it unpaid it will fall off eventually but will hurt worse in the long run. If you know the debt is yours, you do have the opportunity to negotiate a settlement. So why would I have a credit card. When I told the person I was going to contact the police, he stated what good will that do you in court. It's probably a scam, collection agencies usually send letters to your home to settle the debt before using other types of harassment. She called me a 'b***h' and I hung up. Its going on the trash. I will not allow them to disrupt my life. I donot even know who Providian National Bank is. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! Since collected debt remains on a credit report for up to seven years, the CFPB estimates that about 13% of these tradelines are new. They are not scam artists, they just do not play nice when it comes to collecting money. , paying off the debt in full with a single payment can quickly resolve your debt collection woes. VERY IMPORTANT: send all this to Providian by CERTIFIED MAIL! I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. In some forum areas, you may have to register (sign up) before you can post. Then contact the debt collector by phone or mail to propose the plan. What am I prepared to discuss on the phone?. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. All they gave me was the CC#. Dont respond and file a complaint with us. The reason my husband got a providian credit card was. 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. 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. Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! Providian Credit Card | Better Business Bureau Profile Waving the flag here! I asked her for her name and she hung up on us. . However, you have no obligation to use their services. This is absolutely absurd and I'm livid. They guy was sooo rude & said that he advises me to get a lawyer. Help! What am I supposed to do with that if I cant get in touch with anyone from this bank? 9-26-2001 I submitted to Providian Credit Card Company a "Credit Protection Extension Request Form twice along with a medical letter. DO NOT give in. The original creditor may. One account that was opened apparently was with Providian National Bank, credit card account when they found me to collect on a debt I filled out the paperwork letting them know this was not my debt..Some time went by and I heard nothing, until I received this threatening letter from Ozark Capitol Corporation which is actually a collection agengy ran by the Law form of Hosto & Buchan PLLC, by now we put our attorney on this, who entered a answer that this was not my debt but that my identity had been stolen, somehow this Law Firm manages to go to court anyway and get a Judgment for over $2, 000 in 2004, now in 2012 my checking account is garnished with penalties and interest for over $5300.00 for this judgment of which I never even knew existedI plan on filing a complaint with the Attorney General Office, as well as The Law form, and the BBB, as well as filing a law suit against Providian National Bank, Ozark Capitol Corporation, & Host0 & Buchan, P.L.L C. I recently was contacted by a Debt Acquisition Company/Debt Collector named C & M Associates who claims I owe them money from a credit card issued by Providian Bank in 2003. as international agents for identifaction of unawarded cash prizes, we are pleased to advise you that on 5th july the report documentation containing guaranteed prize and award information totalling 735, 300, 00 gbp src, po box 12956 kansas city ks [protected] usa, Two days ago my bank account was levered for a 9 year old 5000.00 debt owed to Providian. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. And before you enroll in any type of financial assistance, considerwhat's best for your situation. All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. His writing has appeared in The New York Times, USA Today and elsewhere. Our partners compensate us. Be sure to get everything in writing. 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. Even if you pay it, it will stay on showing paid but it will still be there. + Leaflet | OpenStreetMap contributors | Open In Google Maps This will surely increase the credibility of your complaint. I'm now being threatened with court, liens, bank account, etc . 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. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. As a matter of policy, BBB does not endorse any product, service or business. Keep in mind that debt falls under a statute of limitations in each state. The U.S. If the agency is unsuccessful, your creditor sells your debt to a collections agency (sometimes known as a debt buyer) for pennies on the dollar. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. It was paid off in ****. I honestly dont know what to do or if this is legit. 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. For example, the lawsuit needs to comply with Floridas court rules for the summons and complaint; often, they do not. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This will surely increase the credibility of your complaint. You may have inadvertently reaffirmed the debt - which can now be put on your credit report. I think you can correct this whole thing including the judgement - go to debtorboards.com and post your question. Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. They transferred me to credit card services to look up any old Providian accounts I might have had=none. This is threatening our livelihood and my husband's health and reputation. 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. At this point, your creditor is cutting its losses and is no longer involved. 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.. You may also be sued. If u have any suggestions. U.S. and 30 countries. Providian/WaMu is reporting an old SOL credit card on my credit reports. Be sure you set an amount and schedule that won't strain your budget to the breaking point. It will likely report it as partial payment rather than paid in full, but make sure you know before you agree. I just received a collection from Portfolio Recovery Associates, LLC. HOW MANY POINTS FOR COLLECTION 'DROP OFF' - The FICO Forums You can say something like, Is there an option to settle this debt? However, a new report from Pew Charitable Trustfound that increasingly, collections companies are taking debt settlements to civil court. No matter which card you choose, you'll enjoy important features like: Convenient and Flexible Purchasing Power. It's 2016 and there still doing this. I have free, top notch attorneys for as long as needed. 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. My lawyer will be on them like flies on crap! I have never use Providian bank or ever financed anything in my life through them. obviusly it was a foreign btch who could speak 2 or 3 words of english. What financial position am I in to pay this debt? Don't miss:Here's the 'most basic rule of thumb' when it comes to paying off your debt, according to an expert. The STANDS4 Network. and we called the guy was talking so fast n wouldn't slow down. Kathy Hinson leads the Core Personal Finance team at NerdWallet. My husband stressed over this all weekend not knowing what was going on or what to expect. wel we just got one of these people calling an old address . Performance information may have changed since the time of publication. It also can lead to the debt being marked paid in full on. I can't find out how to contact these folks to see what this is about. 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 was going to reach out them once I got some imput on from everyone here. If you want to settle for 50% of what you owe, for example, try starting at 30%. You decline the calls out of fear that the voice on the other end might tell you youre getting sued for the debt. Re: HELP! . Some collectors refuse to work with the latter, but are obligated to work with an attorney. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. Do you want to go to jail? About the author: Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. And, LVNV is reporting a hugely wrong balance on this old account(if they are even reporting my actual account..they won't validate). 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. Until today. I have Calvary portfolio collection agency, contacting me about a providian credit card from 2003. How the debt collector will report the debt to credit bureaus. Plus, the Statute of Limitations has passed. 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! This information may be different than what you see when you visit a financial institution, service provider or specific products site. My credit report is clean. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. All rights reserved. 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. No Annual Fee. Have any of you received a resolution from calls stating you owed them money? They said that they are going to get back to me. Keep in mind that not all debt collectors and creditors provide information to the credit reporting companies. This complaint was posted by a verified customer. 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. What does providian mean? - Definitions.net Today, over 21 years later, this company had someone leave me a voicemail saying that a civil complaint was filed against me and that I must call right away. His writing has appeared in The New York Times, USA Today and elsewhere. The collections agency tries to get you to pay back as much of the original debt as possible so it can make a profit. If a judgement was entered and sherman is good at getting judgements, then it is going to stay on your report for 10 years from the date of judgement. I do not owe anything. First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. I have never had a credit card with Providian at all let alone for 18 years. He told me I owed money to Providian bank. Providian was supposed to be sold to WaMu which is now Chase. DON'T LET THESE THIEVES WIN! Providian - Wikipedia Negotiating a settlement takes persuasion and caution. I have gotten my credit clear of everything except one old credit card collection. Can anyone out there help us? Today I got a call that I owed $2000.00 from providian credit card. Not only is that illegal, the debt has expired, so it is no longer legally collectible to boot! 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). Travisbailey80@gmail.com. The statute of limitations on a credit card in Illinois is 5 years from default or last payment, whichever is later. Realizing you have debt in collections can be scary. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. 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. 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. 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. Real debt collectors will often try to get payment quickly, but if your collector is being very pushy, you should be suspicious. Break off contact with them and file a complaint. They say I owe them $3037. Previously entered content was automatically saved. Another letter I received from a different collection agency working for them demanded I open a credit card account with them and the balance would immediately show on that credit card and I could make monthly payments to them at an interest rate of 29.99% interest unitl it was paid off and they they would extend me a 'revolving' line of credit. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Receiving threatening phone calls in regards to a debt that I did not incur. One million served! can get debt collectors off your back and put you on the path to restoring your credit and reclaiming your finances. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. Negotiating a settlement takes persuasion and caution. You can do this yourself, even though many debt settlement companies will try to get you to pay them for this service. Understand your rights 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. "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. Keep this proof in case the payment isnt recorded correctly or the debt somehow gets resold to another collector. We know where you f*****g live!' The amount of time that passes before the debt is released to collections depends on the type of loan. Well guide you through the process. 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). So if this bank does not exist who is the money going to? My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. NerdWallet strives to keep its information accurate and up to date. I was issued a court order from ForXXX & GarXXX pertaining to a Providian bill I do not owe. have old credit card debt from 1996 It was for Providian credit They want $1900.00 from me and filing fees. Are you sure you want to rest your choices? It will fall off in 7 more months and then it cannot hurt him. This review was chosen algorithmically as the most valued customer feedback. 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. One of the surest ways to avoid a debt collection scam is to know all of your real or valid debt. and fill out the "Identity Theft Victims Complaint and Affidavit". So thats not really serving me. Services that help with debt settlements include debt attorneys or debt settlement companies. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. so you can handle it properly. Whenever someone tries to collect a debt, ask for all of their company's information, including: Request all of these details. 14 complaints closed in the last 12 months. 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. The debt is over 3 years past the SOL. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. 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. After evaluating the debt and coming up with a plan, its time to contact the collections agency. widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. 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. thanks so much for the info. 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. Be-careful you loos your money . The only thing is that I cannot find any recent information on Sherman. California Personal & Commercial Bank - Credit Cards | Provident Bank How To Find The Cheapest Travel Insurance, according to new data released by the Consumer Financial Protection Bureau. It was a credit card bill that I had with Providian Financial back in 03. They say I owe them $32, 726. 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 . My job has a strict policy about garnishments including termination. 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. 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. . How to tell the difference between a legitimate debt collector and A large majority of debt lawsuits (over 90%) are against individuals who don't have legal representation. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. No fee for additional employee cards. Worse, you can also lose the ability to dispute that you owe the debt. Never attempt to "scam the scammer." PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. I have now received three phone calls since 01/06/2023. They addressed me by my maiden . Send the agency a letter by mail asking them to confirm their debt in writing. 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. Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer. The use of this website means that you accept the confidentiality regulations and the conditions of service. The card was open Dec.4th 2000-closed Sept. The scammer might. Pre-qualified offers are not binding. Now, probably because they are going broke, they want the rest of the monies they agreed to difur 7 years ago. I am a former employee. 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. These ratings and reviews are provided by our users. 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. Author: California. In many cases you can pay the court clerk and they will record asatisfaction of judgment. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Share your photos and videos with others to prove the truth of your words. 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. How to Deal With Debt Collection - NerdWallet Whether or not you pay your bills on time comprises, Keep credit card balances low. First of all, the law prohibits debt collectors from lying, threatening you with things they can't do or posing as government officials. Providian needs to accurately report to the credit bureaus that my MasterCard is "paid as agreed" and "paid in full". I have read many of the complaints and urge you to go to the FTC site or your states Fair Debt Collection section and know your rights. We've never taken out this credit card nor do we know who this is. 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. Thanks.. Youve stopped checking your credit score. In any case, the scammer will use all sorts of techniques to get you to pay intimidation, lies, harassment, etc. Texas consumers have reported many tactics used by debt collection scammers. You are past-due, or delinquent, on your bills and your card issuer's collections representative calls you to pay your overdue balance.

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