I was going to reach out them once I got some imput on from everyone here. Tell them you've been targeted by fake debt collectors. Now your phone rings multiple times a day from numbers you dont recognize. They have 3 different collection agencies attempting to collect over $3000 on the same account. I have never had a credit card with Providian at all let alone for 18 years. Debt is toxic when it. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. 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! What is up with this bank? 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. I called the law firm and asked them to pleas investigate this matter and get back to me. When a collections representative from your credit card issuer calls you, it's usually because you haven't made at least the minimum payment for at least 30 days. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. Negotiating a settlement takes persuasion and caution. If they call again tell them to send you a letter of the details regarding that debt if they say anything in the realm of pay us now over the phone it's a scam. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Break off contact with them and file a complaint. Ignoring a lawsuit over a delinquent debt puts your wages, bank account or property at risk. Changes to the law are coming. Before Sean lead podcasting at NerdWallet, he covered topics related to consumer debt. More details on software and accessibility are available at WebAIM.org. Business Credit Cards. It was for Providian credit card, out of business now, has been turned - Answered by a verified Consumer Protection Lawyer . ), I was never advised of this debt prior to summons & most important I DO NOT OWE! They guy was sooo rude & said that he advises me to get a lawyer. According to Experian, this typically occurs within a few months of the original delinquency date.Foreclosures, or unpaid mortgages, can take much longer and are dependent upon laws in the state they were issued. Re: HELP! There are exemptions to this, so you may want to consult a tax expert. Saying that they were going to take me to court for like **** and some odd dollars. 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! Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. The new balance most likely reflects the interest which is common. 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. will try to get you to pay them for this service. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Explain to the creditor why you can't make full payment. http://settlementscams.com/debtcollector.pdf. As with any negotiation, start lower than your target. Re: HOW MANY POINTS FOR COLLECTION 'DROP OFF'. I just got a call from a collection agency that stated I owed roughly $2400 for a CC I never had (eyes rolling)how are they able to do this without oversight and accountability? Today I got a call that I owed $2000.00 from providian credit card. Keep in mind that debt falls under a statute of limitations in each state. They searched my social, name, and address. Ask them to place a fraud alert on your credit report. Whenever someone tries to collect a debt, ask for all of their company's information, including: Request all of these details. Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. Our mission . U.S. and 30 countries. Try a balance transfer card to get out of debt. Thereafter my account went into collections . 2023 SELECT | All rights reserved. This compensation comes from two main sources. Note that if you have more than $600 forgiven, the IRS can consider that taxable income. All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. 2023 Forbes Media LLC. These agencies then take responsibility for collecting the debt on behalf of the original company; or, sometimes, the agency buys the debt and then collects it on behalf of itself. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. *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 find yourself in this situation, know you can seek free legal advice and/or pro bono counsel by looking up nonprofit legal aid organizations in your state. Get it notarized and send it to Providian and any other creditor listed on the collection letter. Threatening to put a lein on my property. I have no credit cards and never had any from Providian. I have never heard from this bank nor do I know who they are. Ask Your Own Legal Question. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. Providian National Bank 8 complaints 1 resolved 7 unresolved File a complaint to Providian National Bank Providian National Bank contacts (added by reviewer) Phone number +1 (603) 228-4482 Category Banks View all Providian National Bank contacts Most discussed complaints 1 (opinions to this review) 1 (opinions to this review) 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. Who are these people and what are they up. I told him for what ? You might be using an unsupported or outdated browser. 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. 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. Any suggestions? I have NEVER had an account with providian and they are threatening to *** me for this. Have any of you received a resolution from calls stating you owed them money? All financial products, shopping products and services are presented without warranty. Do your research and always know what the total cost will be to hire help. The card was open Dec.4th 2000-closed Sept. My credit report is clean. This should remove the collection from their files. [br] No matter which card you choose, you'll enjoy important features like: Convenient and Flexible Purchasing Power. I had a credit card with this company in ****. The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. Can anyone out there help us? It was a credit card bill that I had with Providian Financial back in 03. I had no clue why. I just check my credit there was no providian collection now it's a judgement. I also had filed bankruptcy in between this time. My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. After about six months (depending on the lender), they will give up. 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. Imagine you got sick a few months ago, and put your medical bills on a credit card. 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. This information may be different than what you see when you visit a financial institution, service provider or specific products site. We've never taken out this credit card nor do we know who this is. I cover what's going on in the news and how it affects your bottom line. This option can help you pay off the debt in a manageable way. They also claimed to have been sending me letters which I have never received. But debt collection scammers probably don't have all of your info already, so they'll ask for it. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. Previously, she spent 18 years at The Oregonian in Portland in roles including copy desk chief and team leader for design and editing. First of all, the law prohibits debt collectors from lying, threatening you with things they can't do or posing as government officials. in money or lost opportunity or carries too much risk. So why would I have a credit card. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. You can do this yourself, even though many debt settlement companies will try to get you to pay them for this service. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. 0% APR on balance transfers for 12 months. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. 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. Providian Credit Card. They told me they will continue to harass me until i pay the debt in full. . Email me if u know . . It also can lead to the debt being marked paid in full on. If you know the debt is yours, you do have the opportunity to negotiate a settlement. 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. I think you can correct this whole thing including the judgement - go to debtorboards.com and post your question. ComplaintsBoard.com is a leading complaint resolution website on the Internet. Kathy Hinson leads the Core Personal Finance team at NerdWallet. I just got off the phone with a collection company that is attempting to collect the balance of a settlement agreement I made with Providian National Bank over SEVEN YEARS ago! These were from 2001 (collections) and 2004 (judgment). I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. This comment was posted by a verified customer. 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. Scammers survive by getting people to pay fake debts before they have a chance to realize they're being scammed. 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.. Until today. OLD CC COLLECTION DEBT/RIP-OFF SCAM. Paying in full can get the debt off your back for good, but make sure you get the agreement in writing first. Great discounts from Great retailers and Online Access to your Credit Score. BBB Business Profiles generally cover a three-year reporting period. .$3000. If a debt in collections goes away from your credit report in seven years, does this mean you shouldnt repay it? 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. If they cause my mother any more stress lord have mercy! 02:28 PM. This complaint was posted by a verified customer. Ask yourself, Do I owe the money? A large majority of debt lawsuits (over 90%) are against individuals who don't have legal representation. 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. 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. 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. I am not giving them my bank info or anything else. I am not going to send mone to someone i do not even know. 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. 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. 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). How can they do this? They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". Check your credit report at least once a year to reduce any surprise calls from collections, Eweka says. the color of a red dog is (write the answer twice with an "@" between the words). Do you honestly think we can't get you? She is elderly and I made sure we called them together. These letters are very stressful and annoying. How the debt collector will report the debt to credit bureaus. You can say something like, Is there an option to settle this debt? Many or all of the products featured here are from our partners who compensate us. http://www.astafraud.com/. Worse, you can also lose the ability to dispute that you owe the debt. , paying off the debt in full with a single payment can quickly resolve your debt collection woes. Comb through your finances to see how much you can afford to pay each week or month, whether it's $20 or $100. If you want to settle for 50% of what you owe, for example, try starting at 30%. That is what they charge me; 18/99%. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. A partial payment on your credit report will crimp your credit score, but it's better than an unpaid debt. 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.
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